Home > Bank of Monticello > Income and Expense
Bank of Monticello, Income and Expense
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $3,112,000 | 5,411 |
| Total interest expense | $448,000 | 5,322 |
| Net interest income | $2,664,000 | 5,339 |
| Provision for loan and lease losses | $135,000 | 4,382 |
| Total noninterest income | $702,000 | 3,882 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $155,000 | 4,724 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $547,000 | 3,226 |
| Total noninterest expense | $2,738,000 | 4,944 |
| Salaries and employee benefits | $1,333,000 | 5,159 |
| Premises and equipment expense | $266,000 | 5,210 |
| Additional noninterest expense | $1,139,000 | 4,478 |
| Pre-tax net operating income | $493,000 | 4,934 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $159,000 | 3,176 |
| Income before extraordinary items | $334,000 | 5,381 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $334,000 | 5,378 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $334,000 | 5,379 |
| Net charge-offs | $230,000 | 3,620 |
| Cash dividends | $2,196,000 | 1,141 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $334,000 | 5,183 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $2,312,000 | 5,524 |
| Total interest expense | $351,000 | 5,370 |
| Net interest income | $1,961,000 | 5,468 |
| Provision for loan and lease losses | $131,000 | 4,078 |
| Total noninterest income | $461,000 | 4,161 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $119,000 | 4,744 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $342,000 | 3,495 |
| Total noninterest expense | $1,877,000 | 5,211 |
| Salaries and employee benefits | $915,000 | 5,388 |
| Premises and equipment expense | $214,000 | 5,136 |
| Additional noninterest expense | $748,000 | 4,838 |
| Pre-tax net operating income | $414,000 | 4,944 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $111,000 | 3,299 |
| Income before extraordinary items | $303,000 | 5,309 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $303,000 | 5,308 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $303,000 | 5,308 |
| Net charge-offs | $158,000 | 3,539 |
| Cash dividends | $83,000 | 3,401 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $303,000 | 5,115 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,572,000 | 5,528 |
| Total interest expense | $243,000 | 5,399 |
| Net interest income | $1,329,000 | 5,460 |
| Provision for loan and lease losses | $96,000 | 3,919 |
| Total noninterest income | $315,000 | 4,116 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $74,000 | 4,879 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $241,000 | 3,394 |
| Total noninterest expense | $1,260,000 | 5,232 |
| Salaries and employee benefits | $629,000 | 5,352 |
| Premises and equipment expense | $143,000 | 5,150 |
| Additional noninterest expense | $488,000 | 4,924 |
| Pre-tax net operating income | $288,000 | 4,886 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $79,000 | 3,246 |
| Income before extraordinary items | $209,000 | 5,285 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $209,000 | 5,284 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $209,000 | 5,284 |
| Net charge-offs | $166,000 | 2,938 |
| Cash dividends | $32,000 | 3,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $209,000 | 5,080 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $797,000 | 5,550 |
| Total interest expense | $128,000 | 5,398 |
| Net interest income | $669,000 | 5,484 |
| Provision for loan and lease losses | $49,000 | 3,734 |
| Total noninterest income | $154,000 | 4,173 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $38,000 | 4,813 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $116,000 | 3,479 |
| Total noninterest expense | $617,000 | 5,300 |
| Salaries and employee benefits | $316,000 | 5,374 |
| Premises and equipment expense | $73,000 | 5,148 |
| Additional noninterest expense | $228,000 | 5,079 |
| Pre-tax net operating income | $157,000 | 4,866 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $28,000 | 3,471 |
| Income before extraordinary items | $129,000 | 5,053 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $129,000 | 5,057 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $129,000 | 5,058 |
| Net charge-offs | $109,000 | 2,375 |
| Cash dividends | $32,000 | 2,545 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $129,000 | 4,904 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,270,000 | 5,592 |
| Total interest expense | $741,000 | 5,086 |
| Net interest income | $2,529,000 | 5,628 |
| Provision for loan and lease losses | $194,000 | 4,663 |
| Total noninterest income | $825,000 | 3,459 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $188,000 | 4,497 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $637,000 | 2,767 |
| Total noninterest expense | $2,513,000 | 5,323 |
| Salaries and employee benefits | $1,278,000 | 5,377 |
| Premises and equipment expense | $278,000 | 5,397 |
| Additional noninterest expense | $957,000 | 5,001 |
| Pre-tax net operating income | $647,000 | 4,400 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $248,000 | 2,699 |
| Income before extraordinary items | $399,000 | 4,945 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $399,000 | 4,947 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $399,000 | 4,946 |
| Net charge-offs | $156,000 | 4,555 |
| Cash dividends | $58,000 | 3,949 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $399,000 | 4,815 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,427,000 | 5,667 |
| Total interest expense | $589,000 | 5,080 |
| Net interest income | $1,838,000 | 5,739 |
| Provision for loan and lease losses | $160,000 | 4,413 |
| Total noninterest income | $617,000 | 3,462 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $142,000 | 4,492 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $475,000 | 2,776 |
| Total noninterest expense | $1,866,000 | 5,370 |
| Salaries and employee benefits | $931,000 | 5,456 |
| Premises and equipment expense | $215,000 | 5,376 |
| Additional noninterest expense | $720,000 | 5,021 |
| Pre-tax net operating income | $429,000 | 4,684 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $175,000 | 2,772 |
| Income before extraordinary items | $254,000 | 5,256 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $254,000 | 5,256 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $254,000 | 5,256 |
| Net charge-offs | $68,000 | 4,756 |
| Cash dividends | $58,000 | 3,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $254,000 | 5,133 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,600,000 | 5,741 |
| Total interest expense | $406,000 | 5,111 |
| Net interest income | $1,194,000 | 5,831 |
| Provision for loan and lease losses | $157,000 | 3,839 |
| Total noninterest income | $463,000 | 3,265 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $91,000 | 4,565 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $372,000 | 2,543 |
| Total noninterest expense | $1,204,000 | 5,510 |
| Salaries and employee benefits | $627,000 | 5,473 |
| Premises and equipment expense | $143,000 | 5,415 |
| Additional noninterest expense | $434,000 | 5,333 |
| Pre-tax net operating income | $296,000 | 4,639 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $148,000 | 2,518 |
| Income before extraordinary items | $148,000 | 5,366 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $148,000 | 5,365 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $148,000 | 5,366 |
| Net charge-offs | $5,000 | 5,553 |
| Cash dividends | $29,000 | 3,237 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $148,000 | 5,281 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $797,000 | 5,791 |
| Total interest expense | $210,000 | 5,134 |
| Net interest income | $587,000 | 5,872 |
| Provision for loan and lease losses | $151,000 | 2,740 |
| Total noninterest income | $355,000 | 2,547 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $49,000 | 4,390 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $306,000 | 1,890 |
| Total noninterest expense | $598,000 | 5,558 |
| Salaries and employee benefits | $314,000 | 5,515 |
| Premises and equipment expense | $71,000 | 5,484 |
| Additional noninterest expense | $213,000 | 5,376 |
| Pre-tax net operating income | $193,000 | 4,295 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $88,000 | 2,322 |
| Income before extraordinary items | $105,000 | 4,931 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $105,000 | 4,929 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $105,000 | 4,931 |
| Net charge-offs | $-12,000 | 7,063 |
| Cash dividends | $29,000 | 2,407 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $105,000 | 4,879 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,392,000 | 5,786 |
| Total interest expense | $1,031,000 | 5,149 |
| Net interest income | $2,361,000 | 5,891 |
| Provision for loan and lease losses | $209,000 | 5,290 |
| Total noninterest income | $910,000 | 3,387 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $285,000 | 3,736 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $625,000 | 2,854 |
| Total noninterest expense | $2,691,000 | 5,317 |
| Salaries and employee benefits | $1,348,000 | 5,345 |
| Premises and equipment expense | $296,000 | 5,442 |
| Additional noninterest expense | $1,047,000 | 4,965 |
| Pre-tax net operating income | $371,000 | 4,704 |
| Securities gains (losses) | $19,000 | 3,127 |
| Applicable income taxes | $65,000 | 3,499 |
| Income before extraordinary items | $325,000 | 4,865 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $325,000 | 4,868 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $325,000 | 4,868 |
| Net charge-offs | $238,000 | 4,574 |
| Cash dividends | $51,000 | 3,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $309,230 | 4,764 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,535,000 | 5,903 |
| Total interest expense | $797,000 | 5,237 |
| Net interest income | $1,738,000 | 6,029 |
| Provision for loan and lease losses | $136,000 | 5,361 |
| Total noninterest income | $671,000 | 3,472 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $231,000 | 3,659 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $440,000 | 2,966 |
| Total noninterest expense | $2,007,000 | 5,354 |
| Salaries and employee benefits | $1,018,000 | 5,379 |
| Premises and equipment expense | $230,000 | 5,431 |
| Additional noninterest expense | $759,000 | 5,059 |
| Pre-tax net operating income | $266,000 | 4,986 |
| Securities gains (losses) | $19,000 | 2,905 |
| Applicable income taxes | $57,000 | 3,496 |
| Income before extraordinary items | $228,000 | 5,177 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $228,000 | 5,179 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $228,000 | 5,180 |
| Net charge-offs | $191,000 | 4,280 |
| Cash dividends | $51,000 | 3,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $212,800 | 5,080 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,674,000 | 5,964 |
| Total interest expense | $543,000 | 5,286 |
| Net interest income | $1,131,000 | 6,111 |
| Provision for loan and lease losses | $92,000 | 5,238 |
| Total noninterest income | $413,000 | 3,581 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $157,000 | 3,606 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $256,000 | 3,092 |
| Total noninterest expense | $1,323,000 | 5,406 |
| Salaries and employee benefits | $684,000 | 5,390 |
| Premises and equipment expense | $154,000 | 5,461 |
| Additional noninterest expense | $485,000 | 5,168 |
| Pre-tax net operating income | $129,000 | 5,334 |
| Securities gains (losses) | $14,000 | 2,493 |
| Applicable income taxes | $22,000 | 3,744 |
| Income before extraordinary items | $121,000 | 5,413 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $121,000 | 5,415 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $121,000 | 5,415 |
| Net charge-offs | $161,000 | 3,757 |
| Cash dividends | $26,000 | 3,326 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $109,100 | 5,362 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $822,000 | 6,082 |
| Total interest expense | $278,000 | 5,371 |
| Net interest income | $544,000 | 6,239 |
| Provision for loan and lease losses | $82,000 | 4,224 |
| Total noninterest income | $212,000 | 3,526 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $71,000 | 3,802 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $141,000 | 2,954 |
| Total noninterest expense | $670,000 | 5,437 |
| Salaries and employee benefits | $340,000 | 5,448 |
| Premises and equipment expense | $84,000 | 5,347 |
| Additional noninterest expense | $246,000 | 5,161 |
| Pre-tax net operating income | $4,000 | 6,201 |
| Securities gains (losses) | $14,000 | 1,636 |
| Applicable income taxes | $1,000 | 4,457 |
| Income before extraordinary items | $17,000 | 6,158 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $17,000 | 6,159 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $17,000 | 6,159 |
| Net charge-offs | $2,000 | 5,375 |
| Cash dividends | $26,000 | 2,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $3,840 | 6,239 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,701,000 | 5,892 |
| Total interest expense | $1,312,000 | 5,467 |
| Net interest income | $2,389,000 | 5,942 |
| Provision for loan and lease losses | $1,025,000 | 3,460 |
| Total noninterest income | $860,000 | 3,620 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $326,000 | 3,725 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $534,000 | 3,101 |
| Total noninterest expense | $2,605,000 | 5,572 |
| Salaries and employee benefits | $1,377,000 | 5,435 |
| Premises and equipment expense | $292,000 | 5,712 |
| Additional noninterest expense | $936,000 | 5,421 |
| Pre-tax net operating income | $-381,000 | 5,892 |
| Securities gains (losses) | $48,000 | 2,645 |
| Applicable income taxes | $-241,000 | 6,811 |
| Income before extraordinary items | $-92,000 | 5,691 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-92,000 | 5,690 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-92,000 | 5,690 |
| Net charge-offs | $630,000 | 3,499 |
| Cash dividends | $179,000 | 3,746 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-122,720 | 5,712 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,800,000 | 5,937 |
| Total interest expense | $1,004,000 | 5,547 |
| Net interest income | $1,796,000 | 5,963 |
| Provision for loan and lease losses | $269,000 | 4,771 |
| Total noninterest income | $665,000 | 3,634 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $251,000 | 3,692 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $414,000 | 3,121 |
| Total noninterest expense | $1,926,000 | 5,625 |
| Salaries and employee benefits | $1,027,000 | 5,502 |
| Premises and equipment expense | $231,000 | 5,640 |
| Additional noninterest expense | $668,000 | 5,547 |
| Pre-tax net operating income | $266,000 | 4,659 |
| Securities gains (losses) | $17,000 | 2,808 |
| Applicable income taxes | $53,000 | 3,294 |
| Income before extraordinary items | $230,000 | 4,717 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $230,000 | 4,714 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $230,000 | 4,717 |
| Net charge-offs | $253,000 | 3,947 |
| Cash dividends | $179,000 | 3,187 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $216,230 | 4,710 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,884,000 | 5,986 |
| Total interest expense | $674,000 | 5,657 |
| Net interest income | $1,210,000 | 5,945 |
| Provision for loan and lease losses | $161,000 | 4,640 |
| Total noninterest income | $492,000 | 3,453 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $170,000 | 3,632 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $322,000 | 2,878 |
| Total noninterest expense | $1,308,000 | 5,622 |
| Salaries and employee benefits | $682,000 | 5,572 |
| Premises and equipment expense | $152,000 | 5,719 |
| Additional noninterest expense | $474,000 | 5,386 |
| Pre-tax net operating income | $233,000 | 4,454 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $52,000 | 3,134 |
| Income before extraordinary items | $181,000 | 4,655 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $181,000 | 4,652 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $181,000 | 4,652 |
| Net charge-offs | $77,000 | 4,509 |
| Cash dividends | $90,000 | 3,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $181,000 | 4,569 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $946,000 | 6,013 |
| Total interest expense | $341,000 | 5,733 |
| Net interest income | $605,000 | 5,963 |
| Provision for loan and lease losses | $88,000 | 4,135 |
| Total noninterest income | $243,000 | 3,439 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $80,000 | 3,714 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $163,000 | 2,831 |
| Total noninterest expense | $635,000 | 5,650 |
| Salaries and employee benefits | $334,000 | 5,694 |
| Premises and equipment expense | $78,000 | 5,712 |
| Additional noninterest expense | $223,000 | 5,294 |
| Pre-tax net operating income | $125,000 | 4,754 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $29,000 | 3,309 |
| Income before extraordinary items | $96,000 | 5,011 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $96,000 | 5,016 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $96,000 | 5,015 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $90,000 | 2,341 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $96,000 | 4,852 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,171,000 | 5,917 |
| Total interest expense | $1,716,000 | 5,677 |
| Net interest income | $2,455,000 | 5,949 |
| Provision for loan and lease losses | $613,000 | 3,462 |
| Total noninterest income | $1,052,000 | 3,299 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $372,000 | 3,600 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $680,000 | 2,701 |
| Total noninterest expense | $2,638,000 | 5,496 |
| Salaries and employee benefits | $1,451,000 | 5,433 |
| Premises and equipment expense | $310,000 | 5,709 |
| Additional noninterest expense | $877,000 | 5,214 |
| Pre-tax net operating income | $256,000 | 5,576 |
| Securities gains (losses) | $-4,000 | 6,940 |
| Applicable income taxes | $57,000 | 3,783 |
| Income before extraordinary items | $195,000 | 5,502 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $195,000 | 5,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $614,000 | 2,519 |
| Cash dividends | $89,000 | 5,053 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $198,080 | 5,643 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,180,000 | 5,948 |
| Total interest expense | $1,339,000 | 5,701 |
| Net interest income | $1,841,000 | 5,993 |
| Provision for loan and lease losses | $274,000 | 3,711 |
| Total noninterest income | $720,000 | 3,586 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $269,000 | 3,702 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $451,000 | 2,977 |
| Total noninterest expense | $2,003,000 | 5,449 |
| Salaries and employee benefits | $1,110,000 | 5,382 |
| Premises and equipment expense | $244,000 | 5,627 |
| Additional noninterest expense | $649,000 | 5,192 |
| Pre-tax net operating income | $284,000 | 5,701 |
| Securities gains (losses) | $-4,000 | 7,251 |
| Applicable income taxes | $89,000 | 3,690 |
| Income before extraordinary items | $191,000 | 5,743 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $191,000 | 5,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 3,258 |
| Cash dividends | $89,000 | 4,495 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $193,720 | 5,903 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,147,000 | 5,985 |
| Total interest expense | $949,000 | 5,714 |
| Net interest income | $1,198,000 | 6,070 |
| Provision for loan and lease losses | $98,000 | 4,307 |
| Total noninterest income | $474,000 | 3,633 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $171,000 | 3,801 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $303,000 | 2,999 |
| Total noninterest expense | $1,301,000 | 5,567 |
| Salaries and employee benefits | $724,000 | 5,503 |
| Premises and equipment expense | $160,000 | 5,703 |
| Additional noninterest expense | $417,000 | 5,298 |
| Pre-tax net operating income | $273,000 | 5,402 |
| Securities gains (losses) | $-4,000 | 8,032 |
| Applicable income taxes | $96,000 | 3,493 |
| Income before extraordinary items | $173,000 | 5,813 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $173,000 | 5,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,590 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $175,560 | 5,727 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,113,000 | 5,984 |
| Total interest expense | $506,000 | 5,727 |
| Net interest income | $607,000 | 6,076 |
| Provision for loan and lease losses | $54,000 | 3,716 |
| Total noninterest income | $246,000 | 3,549 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $84,000 | 3,792 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $162,000 | 2,917 |
| Total noninterest expense | $655,000 | 5,564 |
| Salaries and employee benefits | $364,000 | 5,527 |
| Premises and equipment expense | $83,000 | 5,643 |
| Additional noninterest expense | $208,000 | 5,252 |
| Pre-tax net operating income | $144,000 | 5,513 |
| Securities gains (losses) | $-4,000 | 8,261 |
| Applicable income taxes | $33,000 | 3,966 |
| Income before extraordinary items | $107,000 | 5,748 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $107,000 | 5,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,249 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $110,040 | 5,612 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,385,000 | 6,041 |
| Total interest expense | $2,044,000 | 5,793 |
| Net interest income | $2,341,000 | 6,137 |
| Provision for loan and lease losses | $318,000 | 3,087 |
| Total noninterest income | $1,074,000 | 3,390 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $375,000 | 3,648 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $699,000 | 2,758 |
| Total noninterest expense | $2,512,000 | 5,599 |
| Salaries and employee benefits | $1,382,000 | 5,550 |
| Premises and equipment expense | $300,000 | 5,773 |
| Additional noninterest expense | $830,000 | 5,233 |
| Pre-tax net operating income | $585,000 | 5,735 |
| Securities gains (losses) | $4,000 | 1,644 |
| Applicable income taxes | $97,000 | 4,509 |
| Income before extraordinary items | $492,000 | 5,705 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $492,000 | 5,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $251,000 | 2,535 |
| Cash dividends | $237,000 | 4,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $488,640 | 5,704 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,203,000 | 6,124 |
| Total interest expense | $1,526,000 | 5,825 |
| Net interest income | $1,677,000 | 6,281 |
| Provision for loan and lease losses | $49,000 | 5,078 |
| Total noninterest income | $623,000 | 3,947 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $266,000 | 3,757 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $357,000 | 3,417 |
| Total noninterest expense | $1,846,000 | 5,620 |
| Salaries and employee benefits | $1,019,000 | 5,580 |
| Premises and equipment expense | $237,000 | 5,646 |
| Additional noninterest expense | $590,000 | 5,359 |
| Pre-tax net operating income | $405,000 | 6,154 |
| Securities gains (losses) | $4,000 | 1,247 |
| Applicable income taxes | $92,000 | 4,518 |
| Income before extraordinary items | $317,000 | 6,225 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $317,000 | 6,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,701 |
| Cash dividends | $109,000 | 4,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $313,880 | 6,244 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,117,000 | 6,174 |
| Total interest expense | $1,008,000 | 5,853 |
| Net interest income | $1,109,000 | 6,355 |
| Provision for loan and lease losses | $34,000 | 4,801 |
| Total noninterest income | $404,000 | 4,018 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $170,000 | 3,835 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $234,000 | 3,481 |
| Total noninterest expense | $1,212,000 | 5,695 |
| Salaries and employee benefits | $666,000 | 5,713 |
| Premises and equipment expense | $156,000 | 5,705 |
| Additional noninterest expense | $390,000 | 5,378 |
| Pre-tax net operating income | $267,000 | 6,246 |
| Securities gains (losses) | $4,000 | 1,079 |
| Applicable income taxes | $73,000 | 4,444 |
| Income before extraordinary items | $198,000 | 6,378 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $198,000 | 6,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,810 |
| Cash dividends | $109,000 | 4,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $195,080 | 6,404 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,041,000 | 6,226 |
| Total interest expense | $501,000 | 5,854 |
| Net interest income | $540,000 | 6,443 |
| Provision for loan and lease losses | $17,000 | 4,548 |
| Total noninterest income | $198,000 | 4,045 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $84,000 | 3,804 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $114,000 | 3,521 |
| Total noninterest expense | $591,000 | 5,799 |
| Salaries and employee benefits | $329,000 | 5,792 |
| Premises and equipment expense | $79,000 | 5,713 |
| Additional noninterest expense | $183,000 | 5,540 |
| Pre-tax net operating income | $130,000 | 6,296 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $19,000 | 4,959 |
| Income before extraordinary items | $111,000 | 6,222 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $111,000 | 6,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,023 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $111,000 | 6,205 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,092,000 | 6,061 |
| Total interest expense | $1,862,000 | 5,602 |
| Net interest income | $2,230,000 | 6,298 |
| Provision for loan and lease losses | $46,000 | 5,701 |
| Total noninterest income | $807,000 | 4,026 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $329,000 | 3,936 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $478,000 | 3,420 |
| Total noninterest expense | $2,499,000 | 5,481 |
| Salaries and employee benefits | $1,355,000 | 5,511 |
| Premises and equipment expense | $300,000 | 5,746 |
| Additional noninterest expense | $844,000 | 5,061 |
| Pre-tax net operating income | $492,000 | 6,517 |
| Securities gains (losses) | $-13,000 | 7,384 |
| Applicable income taxes | $87,000 | 5,082 |
| Income before extraordinary items | $392,000 | 6,551 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $392,000 | 6,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,801 |
| Cash dividends | $230,000 | 4,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $402,660 | 6,514 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,976,000 | 6,154 |
| Total interest expense | $1,344,000 | 5,626 |
| Net interest income | $1,632,000 | 6,427 |
| Provision for loan and lease losses | $29,000 | 5,705 |
| Total noninterest income | $608,000 | 4,030 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $250,000 | 3,950 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $358,000 | 3,391 |
| Total noninterest expense | $1,888,000 | 5,446 |
| Salaries and employee benefits | $1,041,000 | 5,420 |
| Premises and equipment expense | $222,000 | 5,803 |
| Additional noninterest expense | $625,000 | 5,085 |
| Pre-tax net operating income | $323,000 | 6,913 |
| Securities gains (losses) | $-13,000 | 7,688 |
| Applicable income taxes | $50,000 | 5,440 |
| Income before extraordinary items | $260,000 | 6,919 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $260,000 | 6,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,294 |
| Cash dividends | $102,000 | 4,718 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $270,920 | 6,877 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,916,000 | 6,227 |
| Total interest expense | $845,000 | 5,665 |
| Net interest income | $1,071,000 | 6,492 |
| Provision for loan and lease losses | $12,000 | 5,878 |
| Total noninterest income | $394,000 | 4,077 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $163,000 | 3,974 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $231,000 | 3,466 |
| Total noninterest expense | $1,251,000 | 5,478 |
| Salaries and employee benefits | $689,000 | 5,477 |
| Premises and equipment expense | $150,000 | 5,772 |
| Additional noninterest expense | $412,000 | 5,105 |
| Pre-tax net operating income | $202,000 | 7,073 |
| Securities gains (losses) | $-13,000 | 7,948 |
| Applicable income taxes | $32,000 | 5,529 |
| Income before extraordinary items | $157,000 | 7,101 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $157,000 | 7,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,673 |
| Cash dividends | $102,000 | 4,326 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $167,790 | 7,034 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $910,000 | 6,322 |
| Total interest expense | $402,000 | 5,678 |
| Net interest income | $508,000 | 6,644 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $181,000 | 4,193 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $79,000 | 3,966 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $102,000 | 3,669 |
| Total noninterest expense | $617,000 | 5,529 |
| Salaries and employee benefits | $354,000 | 5,407 |
| Premises and equipment expense | $75,000 | 5,803 |
| Additional noninterest expense | $188,000 | 5,373 |
| Pre-tax net operating income | $72,000 | 7,415 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $10,000 | 5,755 |
| Income before extraordinary items | $62,000 | 7,326 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $62,000 | 7,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $62,000 | 7,336 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,713,000 | 6,028 |
| Total interest expense | $1,301,000 | 5,615 |
| Net interest income | $2,412,000 | 6,142 |
| Provision for loan and lease losses | $148,000 | 4,176 |
| Total noninterest income | $840,000 | 3,945 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $270,000 | 4,407 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $570,000 | 3,152 |
| Total noninterest expense | $2,314,000 | 5,620 |
| Salaries and employee benefits | $1,379,000 | 5,346 |
| Premises and equipment expense | $194,000 | 6,778 |
| Additional noninterest expense | $741,000 | 5,428 |
| Pre-tax net operating income | $790,000 | 5,899 |
| Securities gains (losses) | $-8,000 | 7,452 |
| Applicable income taxes | $216,000 | 4,571 |
| Income before extraordinary items | $566,000 | 6,124 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $566,000 | 6,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $370,000 | 1,492 |
| Cash dividends | $262,000 | 4,595 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $571,760 | 6,079 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,742,000 | 6,060 |
| Total interest expense | $923,000 | 5,661 |
| Net interest income | $1,819,000 | 6,157 |
| Provision for loan and lease losses | $142,000 | 3,571 |
| Total noninterest income | $538,000 | 4,342 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $183,000 | 4,649 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $355,000 | 3,503 |
| Total noninterest expense | $1,681,000 | 5,697 |
| Salaries and employee benefits | $995,000 | 5,437 |
| Premises and equipment expense | $135,000 | 6,936 |
| Additional noninterest expense | $551,000 | 5,404 |
| Pre-tax net operating income | $534,000 | 6,269 |
| Securities gains (losses) | $-8,000 | 7,835 |
| Applicable income taxes | $164,000 | 4,713 |
| Income before extraordinary items | $362,000 | 6,582 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $362,000 | 6,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $349,000 | 1,125 |
| Cash dividends | $122,000 | 4,545 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $367,520 | 6,512 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,771,000 | 6,094 |
| Total interest expense | $580,000 | 5,657 |
| Net interest income | $1,191,000 | 6,210 |
| Provision for loan and lease losses | $80,000 | 3,732 |
| Total noninterest income | $333,000 | 4,507 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $100,000 | 5,027 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $233,000 | 3,489 |
| Total noninterest expense | $1,104,000 | 5,731 |
| Salaries and employee benefits | $657,000 | 5,447 |
| Premises and equipment expense | $100,000 | 6,702 |
| Additional noninterest expense | $347,000 | 5,554 |
| Pre-tax net operating income | $340,000 | 6,333 |
| Securities gains (losses) | $-8,000 | 8,078 |
| Applicable income taxes | $96,000 | 4,867 |
| Income before extraordinary items | $236,000 | 6,631 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $236,000 | 6,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $285,000 | 933 |
| Cash dividends | $122,000 | 4,082 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $241,680 | 6,535 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $879,000 | 6,108 |
| Total interest expense | $283,000 | 5,638 |
| Net interest income | $596,000 | 6,246 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $147,000 | 4,760 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $37,000 | 5,594 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $110,000 | 3,560 |
| Total noninterest expense | $553,000 | 5,761 |
| Salaries and employee benefits | $330,000 | 5,478 |
| Premises and equipment expense | $57,000 | 6,461 |
| Additional noninterest expense | $166,000 | 5,678 |
| Pre-tax net operating income | $190,000 | 6,068 |
| Securities gains (losses) | $1,000 | 1,514 |
| Applicable income taxes | $61,000 | 4,498 |
| Income before extraordinary items | $130,000 | 6,396 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $130,000 | 6,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,322 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $129,320 | 6,371 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,530,000 | 5,945 |
| Total interest expense | $1,125,000 | 5,318 |
| Net interest income | $2,405,000 | 6,122 |
| Provision for loan and lease losses | $102,000 | 4,943 |
| Total noninterest income | $708,000 | 4,360 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $179,000 | 5,442 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $529,000 | 3,218 |
| Total noninterest expense | $2,223,000 | 5,663 |
| Salaries and employee benefits | $1,317,000 | 5,392 |
| Premises and equipment expense | $188,000 | 6,890 |
| Additional noninterest expense | $718,000 | 5,435 |
| Pre-tax net operating income | $788,000 | 5,828 |
| Securities gains (losses) | $8,000 | 2,935 |
| Applicable income taxes | $211,000 | 4,688 |
| Income before extraordinary items | $585,000 | 6,007 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $585,000 | 6,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,475 |
| Cash dividends | $262,000 | 4,539 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $579,160 | 5,963 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,639,000 | 5,955 |
| Total interest expense | $852,000 | 5,253 |
| Net interest income | $1,787,000 | 6,159 |
| Provision for loan and lease losses | $101,000 | 4,252 |
| Total noninterest income | $510,000 | 4,486 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $140,000 | 5,417 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $370,000 | 3,337 |
| Total noninterest expense | $1,681,000 | 5,614 |
| Salaries and employee benefits | $959,000 | 5,457 |
| Premises and equipment expense | $126,000 | 7,104 |
| Additional noninterest expense | $596,000 | 5,073 |
| Pre-tax net operating income | $515,000 | 6,260 |
| Securities gains (losses) | $3,000 | 3,253 |
| Applicable income taxes | $154,000 | 4,817 |
| Income before extraordinary items | $364,000 | 6,529 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $364,000 | 6,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,186 |
| Cash dividends | $121,000 | 4,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $361,900 | 6,472 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,766,000 | 5,941 |
| Total interest expense | $574,000 | 5,242 |
| Net interest income | $1,192,000 | 6,166 |
| Provision for loan and lease losses | $94,000 | 3,595 |
| Total noninterest income | $325,000 | 4,610 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $96,000 | 5,356 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $229,000 | 3,476 |
| Total noninterest expense | $1,102,000 | 5,706 |
| Salaries and employee benefits | $612,000 | 5,629 |
| Premises and equipment expense | $82,000 | 7,177 |
| Additional noninterest expense | $408,000 | 4,997 |
| Pre-tax net operating income | $321,000 | 6,371 |
| Securities gains (losses) | $1,000 | 3,212 |
| Applicable income taxes | $88,000 | 5,004 |
| Income before extraordinary items | $234,000 | 6,595 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $234,000 | 6,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 3,529 |
| Cash dividends | $121,000 | 4,016 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $233,270 | 6,509 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $865,000 | 6,042 |
| Total interest expense | $299,000 | 5,173 |
| Net interest income | $566,000 | 6,334 |
| Provision for loan and lease losses | $62,000 | 2,894 |
| Total noninterest income | $165,000 | 4,531 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $52,000 | 5,121 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $113,000 | 3,446 |
| Total noninterest expense | $535,000 | 5,825 |
| Salaries and employee benefits | $310,000 | 5,642 |
| Premises and equipment expense | $40,000 | 7,262 |
| Additional noninterest expense | $185,000 | 5,342 |
| Pre-tax net operating income | $134,000 | 6,665 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $36,000 | 5,209 |
| Income before extraordinary items | $98,000 | 6,919 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $98,000 | 6,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,405 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $98,000 | 6,819 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,871,000 | 5,759 |
| Total interest expense | $1,400,000 | 5,090 |
| Net interest income | $2,471,000 | 5,936 |
| Provision for loan and lease losses | $292,000 | 3,255 |
| Total noninterest income | $740,000 | 4,404 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $189,000 | 5,395 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $551,000 | 3,414 |
| Total noninterest expense | $2,080,000 | 5,862 |
| Salaries and employee benefits | $1,240,000 | 5,518 |
| Premises and equipment expense | $196,000 | 6,824 |
| Additional noninterest expense | $644,000 | 5,755 |
| Pre-tax net operating income | $839,000 | 5,577 |
| Securities gains (losses) | $-24,000 | 8,888 |
| Applicable income taxes | $218,000 | 4,799 |
| Income before extraordinary items | $597,000 | 5,963 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $597,000 | 5,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,531 |
| Cash dividends | $256,000 | 4,605 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $614,520 | 5,728 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,936,000 | 5,784 |
| Total interest expense | $1,091,000 | 5,105 |
| Net interest income | $1,845,000 | 5,982 |
| Provision for loan and lease losses | $235,000 | 2,982 |
| Total noninterest income | $562,000 | 4,417 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $136,000 | 5,503 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $426,000 | 3,419 |
| Total noninterest expense | $1,522,000 | 5,931 |
| Salaries and employee benefits | $917,000 | 5,531 |
| Premises and equipment expense | $157,000 | 6,673 |
| Additional noninterest expense | $448,000 | 6,000 |
| Pre-tax net operating income | $650,000 | 5,694 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $199,000 | 4,653 |
| Income before extraordinary items | $451,000 | 6,091 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $451,000 | 6,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 3,571 |
| Cash dividends | $122,000 | 4,549 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $451,000 | 5,922 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,973,000 | 5,795 |
| Total interest expense | $734,000 | 5,191 |
| Net interest income | $1,239,000 | 5,973 |
| Provision for loan and lease losses | $165,000 | 2,855 |
| Total noninterest income | $360,000 | 4,509 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $87,000 | 5,574 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $273,000 | 3,470 |
| Total noninterest expense | $1,019,000 | 5,929 |
| Salaries and employee benefits | $597,000 | 5,633 |
| Premises and equipment expense | $104,000 | 6,670 |
| Additional noninterest expense | $318,000 | 5,776 |
| Pre-tax net operating income | $415,000 | 5,774 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $130,000 | 4,727 |
| Income before extraordinary items | $285,000 | 6,209 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $285,000 | 6,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,977 |
| Cash dividends | $122,000 | 4,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $285,000 | 6,007 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $988,000 | 5,819 |
| Total interest expense | $374,000 | 5,236 |
| Net interest income | $614,000 | 5,996 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $173,000 | 4,523 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $40,000 | 5,673 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $133,000 | 3,422 |
| Total noninterest expense | $503,000 | 5,978 |
| Salaries and employee benefits | $299,000 | 5,637 |
| Premises and equipment expense | $52,000 | 6,665 |
| Additional noninterest expense | $152,000 | 5,884 |
| Pre-tax net operating income | $194,000 | 5,912 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $62,000 | 4,775 |
| Income before extraordinary items | $132,000 | 6,333 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $132,000 | 6,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,051 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $132,000 | 6,154 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,213,000 | 5,749 |
| Total interest expense | $1,808,000 | 5,141 |
| Net interest income | $2,405,000 | 6,038 |
| Provision for loan and lease losses | $278,000 | 3,624 |
| Total noninterest income | $591,000 | 4,774 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $179,000 | 5,479 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $412,000 | 3,649 |
| Total noninterest expense | $2,043,000 | 5,801 |
| Salaries and employee benefits | $1,191,000 | 5,510 |
| Premises and equipment expense | $189,000 | 6,908 |
| Additional noninterest expense | $663,000 | 5,589 |
| Pre-tax net operating income | $675,000 | 6,172 |
| Securities gains (losses) | $14,000 | 3,404 |
| Applicable income taxes | $154,000 | 5,493 |
| Income before extraordinary items | $535,000 | 6,237 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $535,000 | 6,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $269,000 | 2,536 |
| Cash dividends | $253,000 | 4,574 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $524,080 | 6,138 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,091,000 | 6,279 |
| Total interest expense | $2,073,000 | 5,981 |
| Net interest income | $2,018,000 | 6,409 |
| Provision for loan and lease losses | $180,000 | 4,345 |
| Total noninterest income | $451,000 | 5,354 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $141,000 | 5,922 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $310,000 | 4,045 |
| Total noninterest expense | $1,535,000 | 6,722 |
| Salaries and employee benefits | $945,000 | 6,187 |
| Premises and equipment expense | $163,000 | 7,315 |
| Additional noninterest expense | $427,000 | 6,946 |
| Pre-tax net operating income | $754,000 | 5,639 |
| Securities gains (losses) | $7,000 | 3,779 |
| Applicable income taxes | $224,000 | 4,813 |
| Income before extraordinary items | $537,000 | 5,898 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $537,000 | 5,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,593 |
| Cash dividends | $256,000 | 4,631 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $532,030 | 5,808 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,712,000 | 6,719 |
| Total interest expense | $2,025,000 | 6,233 |
| Net interest income | $1,687,000 | 7,132 |
| Provision for loan and lease losses | $172,000 | 4,119 |
| Total noninterest income | $338,000 | 5,991 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $89,000 | 6,788 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $249,000 | 4,305 |
| Total noninterest expense | $1,318,000 | 7,198 |
| Salaries and employee benefits | $800,000 | 6,727 |
| Premises and equipment expense | $167,000 | 7,292 |
| Additional noninterest expense | $351,000 | 7,549 |
| Pre-tax net operating income | $535,000 | 6,840 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $134,000 | 6,108 |
| Income before extraordinary items | $401,000 | 6,850 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $401,000 | 6,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,625 |
| Cash dividends | $252,000 | 4,746 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $401,000 | 6,859 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,293,000 | 7,053 |
| Total interest expense | $1,641,000 | 6,655 |
| Net interest income | $1,652,000 | 7,282 |
| Provision for loan and lease losses | $112,000 | 4,998 |
| Total noninterest income | $378,000 | 5,783 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $95,000 | 6,811 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $283,000 | 4,150 |
| Total noninterest expense | $1,268,000 | 7,379 |
| Salaries and employee benefits | $763,000 | 6,929 |
| Premises and equipment expense | $175,000 | 7,220 |
| Additional noninterest expense | $330,000 | 7,876 |
| Pre-tax net operating income | $650,000 | 6,521 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $175,000 | 5,972 |
| Income before extraordinary items | $475,000 | 6,574 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $475,000 | 6,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 2,395 |
| Cash dividends | $259,000 | 4,805 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $475,000 | 6,548 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,153,000 | 7,350 |
| Total interest expense | $1,564,000 | 7,060 |
| Net interest income | $1,589,000 | 7,490 |
| Provision for loan and lease losses | $48,000 | 6,686 |
| Total noninterest income | $353,000 | 5,985 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $93,000 | 7,002 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $260,000 | 4,332 |
| Total noninterest expense | $1,230,000 | 7,458 |
| Salaries and employee benefits | $700,000 | 7,186 |
| Premises and equipment expense | $181,000 | 7,033 |
| Additional noninterest expense | $349,000 | 7,673 |
| Pre-tax net operating income | $664,000 | 6,624 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $171,000 | 6,570 |
| Income before extraordinary items | $493,000 | 6,650 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $493,000 | 6,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 9,354 |
| Cash dividends | $249,000 | 4,995 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $493,000 | 6,535 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,011,000 | 7,741 |
| Total interest expense | $1,501,000 | 7,345 |
| Net interest income | $1,510,000 | 7,952 |
| Provision for loan and lease losses | $294,000 | 2,677 |
| Total noninterest income | $282,000 | 6,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $122,000 | 6,714 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $160,000 | 5,533 |
| Total noninterest expense | $1,121,000 | 7,940 |
| Salaries and employee benefits | $667,000 | 7,510 |
| Premises and equipment expense | $164,000 | 7,495 |
| Additional noninterest expense | $290,000 | 8,429 |
| Pre-tax net operating income | $377,000 | 8,573 |
| Securities gains (losses) | $20,000 | 1,883 |
| Applicable income taxes | $94,000 | 8,505 |
| Income before extraordinary items | $303,000 | 8,350 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $303,000 | 8,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $273,000 | 2,091 |
| Cash dividends | $237,000 | 5,059 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $287,800 | 8,432 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,925,000 | 8,089 |
| Total interest expense | $1,455,000 | 7,679 |
| Net interest income | $1,470,000 | 8,341 |
| Provision for loan and lease losses | $44,000 | 6,866 |
| Total noninterest income | $208,000 | 8,116 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 7,151 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 7,384 |
| Total noninterest expense | $1,029,000 | 8,568 |
| Salaries and employee benefits | $603,000 | 8,099 |
| Premises and equipment expense | $153,000 | 7,986 |
| Additional noninterest expense | $273,000 | 9,162 |
| Pre-tax net operating income | $605,000 | 7,395 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $186,000 | 7,351 |
| Income before extraordinary items | $419,000 | 7,462 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $419,000 | 7,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 10,437 |
| Cash dividends | $358,000 | 4,148 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $419,000 | 7,412 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,728,000 | 8,597 |
| Total interest expense | $1,314,000 | 8,237 |
| Net interest income | $1,414,000 | 8,760 |
| Provision for loan and lease losses | $30,000 | 7,070 |
| Total noninterest income | $182,000 | 8,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $97,000 | 7,858 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 7,757 |
| Total noninterest expense | $936,000 | 9,235 |
| Salaries and employee benefits | $540,000 | 8,780 |
| Premises and equipment expense | $123,000 | 8,962 |
| Additional noninterest expense | $273,000 | 9,562 |
| Pre-tax net operating income | $630,000 | 7,707 |
| Securities gains (losses) | $-13,000 | 10,273 |
| Applicable income taxes | $217,000 | 7,139 |
| Income before extraordinary items | $400,000 | 8,083 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $400,000 | 8,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,571 |
| Cash dividends | $218,000 | 5,275 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $408,450 | 7,948 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,461,000 | 8,973 |
| Total interest expense | $1,038,000 | 8,525 |
| Net interest income | $1,423,000 | 9,090 |
| Provision for loan and lease losses | $27,000 | 7,330 |
| Total noninterest income | $143,000 | 9,846 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $93,000 | 8,278 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 9,618 |
| Total noninterest expense | $930,000 | 9,635 |
| Salaries and employee benefits | $512,000 | 9,282 |
| Premises and equipment expense | $144,000 | 8,713 |
| Additional noninterest expense | $274,000 | 10,252 |
| Pre-tax net operating income | $609,000 | 7,952 |
| Securities gains (losses) | $-40,000 | 10,871 |
| Applicable income taxes | $157,000 | 8,162 |
| Income before extraordinary items | $412,000 | 8,093 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $412,000 | 8,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,370 |
| Cash dividends | $208,000 | 5,355 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $440,800 | 7,855 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,481,000 | 9,219 |
| Total interest expense | $1,074,000 | 8,780 |
| Net interest income | $1,407,000 | 9,393 |
| Provision for loan and lease losses | $22,000 | 8,943 |
| Total noninterest income | $170,000 | 9,812 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $94,000 | 8,554 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 8,800 |
| Total noninterest expense | $923,000 | 10,096 |
| Salaries and employee benefits | $462,000 | 10,018 |
| Premises and equipment expense | $153,000 | 8,816 |
| Additional noninterest expense | $308,000 | 10,343 |
| Pre-tax net operating income | $626,000 | 7,773 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $168,000 | 8,248 |
| Income before extraordinary items | $461,000 | 7,872 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $461,000 | 8,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 12,436 |
| Cash dividends | $199,000 | 5,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $458,810 | 7,642 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,712,000 | 9,515 |
| Total interest expense | $1,279,000 | 9,322 |
| Net interest income | $1,433,000 | 9,501 |
| Provision for loan and lease losses | $40,000 | 9,471 |
| Total noninterest income | $186,000 | 9,691 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $89,000 | 8,867 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 8,166 |
| Total noninterest expense | $930,000 | 10,304 |
| Salaries and employee benefits | $451,000 | 10,298 |
| Premises and equipment expense | $148,000 | 9,172 |
| Additional noninterest expense | $331,000 | 10,429 |
| Pre-tax net operating income | $649,000 | 7,393 |
| Securities gains (losses) | $13,000 | 6,142 |
| Applicable income taxes | $214,000 | 7,296 |
| Income before extraordinary items | $448,000 | 7,758 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $448,000 | 7,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 7,125 |
| Cash dividends | $179,000 | 5,378 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $439,160 | 7,490 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.