Home > Bank of Naples > Income and Expense
Bank of Naples, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $2,355,000 | 4,569 |
| Total interest expense | $623,000 | 3,322 |
| Net interest income | $1,732,000 | 4,873 |
| Provision for loan and lease losses | $-922,000 | 7,207 |
| Total noninterest income | $70,000 | 6,143 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $32,000 | 6,095 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $38,000 | 5,692 |
| Total noninterest expense | $3,500,000 | 2,672 |
| Salaries and employee benefits | $800,000 | 4,740 |
| Premises and equipment expense | $276,000 | 3,630 |
| Additional noninterest expense | $2,424,000 | 1,405 |
| Pre-tax net operating income | $-776,000 | 6,915 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-776,000 | 6,953 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-776,000 | 6,952 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-776,000 | 6,953 |
| Net charge-offs | $377,000 | 2,063 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-776,000 | 6,931 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,268,000 | 4,419 |
| Total interest expense | $356,000 | 3,104 |
| Net interest income | $912,000 | 4,772 |
| Provision for loan and lease losses | $-510,000 | 7,270 |
| Total noninterest income | $-40,000 | 7,160 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $17,000 | 6,021 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-57,000 | 7,109 |
| Total noninterest expense | $1,670,000 | 2,793 |
| Salaries and employee benefits | $424,000 | 4,631 |
| Premises and equipment expense | $143,000 | 3,583 |
| Additional noninterest expense | $1,103,000 | 1,525 |
| Pre-tax net operating income | $-288,000 | 6,935 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-288,000 | 6,976 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-288,000 | 6,976 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-288,000 | 6,976 |
| Net charge-offs | $115,000 | 2,330 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-288,000 | 6,947 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $6,009,000 | 4,054 |
| Total interest expense | $1,642,000 | 3,204 |
| Net interest income | $4,367,000 | 4,290 |
| Provision for loan and lease losses | $1,440,000 | 1,947 |
| Total noninterest income | $-432,000 | 7,182 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $115,000 | 5,321 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-547,000 | 7,106 |
| Total noninterest expense | $8,263,000 | 2,295 |
| Salaries and employee benefits | $1,918,000 | 4,272 |
| Premises and equipment expense | $631,000 | 3,453 |
| Additional noninterest expense | $5,714,000 | 1,222 |
| Pre-tax net operating income | $-5,768,000 | 7,100 |
| Securities gains (losses) | $183,000 | 1,530 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-5,585,000 | 7,094 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-5,585,000 | 7,092 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-5,585,000 | 7,093 |
| Net charge-offs | $6,267,000 | 665 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 1,025 |
| Net operating income | $-5,768,000 | 7,093 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,649,000 | 4,003 |
| Total interest expense | $1,242,000 | 3,311 |
| Net interest income | $3,407,000 | 4,203 |
| Provision for loan and lease losses | $2,290,000 | 1,132 |
| Total noninterest income | $174,000 | 5,651 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $92,000 | 5,253 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $82,000 | 5,309 |
| Total noninterest expense | $6,790,000 | 2,113 |
| Salaries and employee benefits | $1,481,000 | 4,205 |
| Premises and equipment expense | $468,000 | 3,513 |
| Additional noninterest expense | $4,841,000 | 1,087 |
| Pre-tax net operating income | $-5,499,000 | 7,249 |
| Securities gains (losses) | $183,000 | 1,278 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-5,316,000 | 7,258 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,316,000 | 7,256 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-5,316,000 | 7,257 |
| Net charge-offs | $6,149,000 | 530 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 948 |
| Net operating income | $-5,499,000 | 7,261 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,204,000 | 3,958 |
| Total interest expense | $843,000 | 3,373 |
| Net interest income | $2,361,000 | 4,090 |
| Provision for loan and lease losses | $1,350,000 | 1,227 |
| Total noninterest income | $128,000 | 5,549 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $66,000 | 5,116 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $62,000 | 5,221 |
| Total noninterest expense | $4,142,000 | 2,328 |
| Salaries and employee benefits | $1,007,000 | 4,187 |
| Premises and equipment expense | $316,000 | 3,519 |
| Additional noninterest expense | $2,819,000 | 1,252 |
| Pre-tax net operating income | $-3,003,000 | 7,264 |
| Securities gains (losses) | $183,000 | 783 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-2,820,000 | 7,277 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,820,000 | 7,277 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-2,820,000 | 7,278 |
| Net charge-offs | $3,288,000 | 637 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 867 |
| Net operating income | $-3,003,000 | 7,283 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,659,000 | 3,912 |
| Total interest expense | $444,000 | 3,346 |
| Net interest income | $1,215,000 | 4,015 |
| Provision for loan and lease losses | $700,000 | 1,128 |
| Total noninterest income | $69,000 | 5,509 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $32,000 | 5,113 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $37,000 | 5,099 |
| Total noninterest expense | $1,951,000 | 2,467 |
| Salaries and employee benefits | $523,000 | 4,104 |
| Premises and equipment expense | $157,000 | 3,576 |
| Additional noninterest expense | $1,271,000 | 1,378 |
| Pre-tax net operating income | $-1,367,000 | 7,335 |
| Securities gains (losses) | $183,000 | 367 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-1,184,000 | 7,326 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-1,184,000 | 7,326 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,184,000 | 7,327 |
| Net charge-offs | $710,000 | 1,077 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 762 |
| Net operating income | $-1,367,000 | 7,345 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,679,000 | 3,652 |
| Total interest expense | $2,679,000 | 2,831 |
| Net interest income | $5,000,000 | 3,964 |
| Provision for loan and lease losses | $20,569,000 | 361 |
| Total noninterest income | $-287,000 | 7,448 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $292,000 | 3,697 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-579,000 | 7,422 |
| Total noninterest expense | $7,020,000 | 2,720 |
| Salaries and employee benefits | $2,015,000 | 4,212 |
| Premises and equipment expense | $643,000 | 3,536 |
| Additional noninterest expense | $4,362,000 | 1,649 |
| Pre-tax net operating income | $-22,876,000 | 7,536 |
| Securities gains (losses) | $219,000 | 1,516 |
| Applicable income taxes | $3,003,000 | 541 |
| Income before extraordinary items | $-25,660,000 | 7,542 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-25,660,000 | 7,542 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-25,660,000 | 7,542 |
| Net charge-offs | $10,904,000 | 566 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 1,066 |
| Net operating income | $-25,879,000 | 7,543 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,832,000 | 3,696 |
| Total interest expense | $2,171,000 | 2,782 |
| Net interest income | $3,661,000 | 4,078 |
| Provision for loan and lease losses | $19,518,000 | 285 |
| Total noninterest income | $-1,509,000 | 7,713 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $207,000 | 3,873 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-1,716,000 | 7,699 |
| Total noninterest expense | $3,762,000 | 3,609 |
| Salaries and employee benefits | $1,585,000 | 4,109 |
| Premises and equipment expense | $480,000 | 3,591 |
| Additional noninterest expense | $1,697,000 | 2,857 |
| Pre-tax net operating income | $-21,128,000 | 7,668 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $3,003,000 | 428 |
| Income before extraordinary items | $-24,131,000 | 7,681 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-24,131,000 | 7,681 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-24,131,000 | 7,681 |
| Net charge-offs | $11,096,000 | 424 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 998 |
| Net operating income | $-24,131,000 | 7,675 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,903,000 | 3,715 |
| Total interest expense | $1,464,000 | 2,849 |
| Net interest income | $2,439,000 | 4,081 |
| Provision for loan and lease losses | $6,700,000 | 496 |
| Total noninterest income | $-204,000 | 7,679 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $125,000 | 4,068 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-329,000 | 7,658 |
| Total noninterest expense | $2,770,000 | 3,319 |
| Salaries and employee benefits | $1,044,000 | 4,177 |
| Premises and equipment expense | $318,000 | 3,649 |
| Additional noninterest expense | $1,408,000 | 2,377 |
| Pre-tax net operating income | $-7,235,000 | 7,631 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-135,000 | 7,250 |
| Income before extraordinary items | $-7,100,000 | 7,648 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-7,100,000 | 7,648 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-7,100,000 | 7,648 |
| Net charge-offs | $5,067,000 | 571 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 925 |
| Net operating income | $-7,100,000 | 7,645 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,906,000 | 3,851 |
| Total interest expense | $674,000 | 3,149 |
| Net interest income | $1,232,000 | 4,078 |
| Provision for loan and lease losses | $750,000 | 1,389 |
| Total noninterest income | $4,000 | 7,579 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $69,000 | 3,861 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-65,000 | 7,696 |
| Total noninterest expense | $1,135,000 | 3,910 |
| Salaries and employee benefits | $533,000 | 4,166 |
| Premises and equipment expense | $156,000 | 3,785 |
| Additional noninterest expense | $446,000 | 3,484 |
| Pre-tax net operating income | $-649,000 | 7,266 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-135,000 | 7,498 |
| Income before extraordinary items | $-514,000 | 7,272 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-514,000 | 7,272 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-514,000 | 7,273 |
| Net charge-offs | $621,000 | 1,425 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 864 |
| Net operating income | $-514,000 | 7,254 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,912,000 | 3,845 |
| Total interest expense | $3,210,000 | 3,258 |
| Net interest income | $4,702,000 | 4,099 |
| Provision for loan and lease losses | $6,050,000 | 1,238 |
| Total noninterest income | $-4,000 | 7,715 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $233,000 | 4,366 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-237,000 | 7,707 |
| Total noninterest expense | $4,618,000 | 3,918 |
| Salaries and employee benefits | $1,847,000 | 4,607 |
| Premises and equipment expense | $635,000 | 3,735 |
| Additional noninterest expense | $2,136,000 | 3,152 |
| Pre-tax net operating income | $-5,970,000 | 7,269 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-3,003,000 | 7,628 |
| Income before extraordinary items | $-2,967,000 | 6,986 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,967,000 | 6,985 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,967,000 | 6,985 |
| Net charge-offs | $4,844,000 | 1,176 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 1,170 |
| Net operating income | $-2,967,000 | 6,989 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,936,000 | 3,895 |
| Total interest expense | $2,488,000 | 3,302 |
| Net interest income | $3,448,000 | 4,170 |
| Provision for loan and lease losses | $4,185,000 | 1,189 |
| Total noninterest income | $-45,000 | 7,885 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $144,000 | 4,751 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-189,000 | 7,868 |
| Total noninterest expense | $3,459,000 | 3,931 |
| Salaries and employee benefits | $1,416,000 | 4,571 |
| Premises and equipment expense | $476,000 | 3,763 |
| Additional noninterest expense | $1,567,000 | 3,176 |
| Pre-tax net operating income | $-4,241,000 | 7,435 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-2,335,000 | 7,759 |
| Income before extraordinary items | $-1,906,000 | 7,142 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,906,000 | 7,142 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,906,000 | 7,141 |
| Net charge-offs | $3,419,000 | 1,091 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 1,098 |
| Net operating income | $-1,906,000 | 7,137 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,980,000 | 3,916 |
| Total interest expense | $1,740,000 | 3,312 |
| Net interest income | $2,240,000 | 4,238 |
| Provision for loan and lease losses | $2,285,000 | 1,299 |
| Total noninterest income | $-213,000 | 8,073 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $70,000 | 5,297 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-283,000 | 8,045 |
| Total noninterest expense | $2,177,000 | 4,132 |
| Salaries and employee benefits | $941,000 | 4,616 |
| Premises and equipment expense | $314,000 | 3,809 |
| Additional noninterest expense | $922,000 | 3,489 |
| Pre-tax net operating income | $-2,435,000 | 7,486 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-1,636,000 | 7,855 |
| Income before extraordinary items | $-799,000 | 7,023 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-799,000 | 7,024 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-799,000 | 7,023 |
| Net charge-offs | $1,744,000 | 1,229 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 1,077 |
| Net operating income | $-799,000 | 7,011 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,995,000 | 3,950 |
| Total interest expense | $939,000 | 3,223 |
| Net interest income | $1,056,000 | 4,415 |
| Provision for loan and lease losses | $1,885,000 | 788 |
| Total noninterest income | $-30,000 | 8,121 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $33,000 | 5,355 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-63,000 | 8,096 |
| Total noninterest expense | $981,000 | 4,353 |
| Salaries and employee benefits | $467,000 | 4,694 |
| Premises and equipment expense | $155,000 | 3,877 |
| Additional noninterest expense | $359,000 | 3,882 |
| Pre-tax net operating income | $-1,840,000 | 7,800 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-1,382,000 | 8,046 |
| Income before extraordinary items | $-458,000 | 7,400 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-458,000 | 7,401 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-458,000 | 7,401 |
| Net charge-offs | $1,437,000 | 760 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 980 |
| Net operating income | $-458,000 | 7,370 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $9,641,000 | 3,634 |
| Total interest expense | $3,687,000 | 3,714 |
| Net interest income | $5,954,000 | 3,503 |
| Provision for loan and lease losses | $5,595,000 | 940 |
| Total noninterest income | $202,000 | 6,473 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $149,000 | 5,337 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $53,000 | 6,703 |
| Total noninterest expense | $3,884,000 | 4,333 |
| Salaries and employee benefits | $1,815,000 | 4,757 |
| Premises and equipment expense | $632,000 | 3,771 |
| Additional noninterest expense | $1,437,000 | 3,738 |
| Pre-tax net operating income | $-3,323,000 | 7,641 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-3,323,000 | 7,663 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-3,323,000 | 7,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,853,000 | 706 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 1,245 |
| Net operating income | $-3,323,000 | 7,726 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,351,000 | 3,645 |
| Total interest expense | $2,864,000 | 3,740 |
| Net interest income | $4,487,000 | 3,509 |
| Provision for loan and lease losses | $2,340,000 | 1,063 |
| Total noninterest income | $-144,000 | 8,305 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $110,000 | 5,401 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-254,000 | 8,314 |
| Total noninterest expense | $2,764,000 | 4,473 |
| Salaries and employee benefits | $1,383,000 | 4,733 |
| Premises and equipment expense | $475,000 | 3,775 |
| Additional noninterest expense | $906,000 | 4,184 |
| Pre-tax net operating income | $-761,000 | 7,411 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-761,000 | 7,383 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-761,000 | 7,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,579,000 | 975 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 1,133 |
| Net operating income | $-761,000 | 7,501 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,957,000 | 3,668 |
| Total interest expense | $1,955,000 | 3,800 |
| Net interest income | $3,002,000 | 3,490 |
| Provision for loan and lease losses | $650,000 | 1,606 |
| Total noninterest income | $52,000 | 7,448 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $64,000 | 5,604 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-12,000 | 8,327 |
| Total noninterest expense | $1,953,000 | 4,315 |
| Salaries and employee benefits | $1,023,000 | 4,449 |
| Premises and equipment expense | $316,000 | 3,808 |
| Additional noninterest expense | $614,000 | 4,114 |
| Pre-tax net operating income | $451,000 | 4,554 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $451,000 | 4,233 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $451,000 | 4,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $551,000 | 1,237 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 1,028 |
| Net operating income | $451,000 | 4,170 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,540,000 | 3,684 |
| Total interest expense | $1,084,000 | 3,704 |
| Net interest income | $1,456,000 | 3,563 |
| Provision for loan and lease losses | $150,000 | 2,123 |
| Total noninterest income | $55,000 | 6,514 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $27,000 | 5,833 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $28,000 | 5,994 |
| Total noninterest expense | $949,000 | 4,397 |
| Salaries and employee benefits | $494,000 | 4,592 |
| Premises and equipment expense | $159,000 | 3,812 |
| Additional noninterest expense | $296,000 | 4,161 |
| Pre-tax net operating income | $412,000 | 3,480 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $412,000 | 3,128 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $412,000 | 3,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 1,782 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 964 |
| Net operating income | $412,000 | 3,048 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $12,187,000 | 3,245 |
| Total interest expense | $6,002,000 | 3,003 |
| Net interest income | $6,185,000 | 3,429 |
| Provision for loan and lease losses | $905,000 | 1,532 |
| Total noninterest income | $134,000 | 7,256 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $92,000 | 6,127 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $42,000 | 7,258 |
| Total noninterest expense | $3,391,000 | 4,630 |
| Salaries and employee benefits | $1,797,000 | 4,755 |
| Premises and equipment expense | $562,000 | 4,029 |
| Additional noninterest expense | $1,032,000 | 4,558 |
| Pre-tax net operating income | $2,023,000 | 3,292 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $2,023,000 | 2,791 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,023,000 | 2,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,239,000 | 863 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 1,197 |
| Net operating income | $2,023,000 | 2,776 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,333,000 | 3,182 |
| Total interest expense | $4,649,000 | 2,929 |
| Net interest income | $4,684,000 | 3,406 |
| Provision for loan and lease losses | $155,000 | 3,427 |
| Total noninterest income | $155,000 | 6,731 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $64,000 | 6,263 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $91,000 | 5,961 |
| Total noninterest expense | $2,365,000 | 4,829 |
| Salaries and employee benefits | $1,306,000 | 4,831 |
| Premises and equipment expense | $410,000 | 4,096 |
| Additional noninterest expense | $649,000 | 5,036 |
| Pre-tax net operating income | $2,319,000 | 2,558 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $2,319,000 | 2,111 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,319,000 | 2,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $280,000 | 1,598 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,319,000 | 2,094 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,317,000 | 3,148 |
| Total interest expense | $3,124,000 | 2,905 |
| Net interest income | $3,193,000 | 3,369 |
| Provision for loan and lease losses | $55,000 | 4,254 |
| Total noninterest income | $110,000 | 6,684 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $38,000 | 6,420 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $72,000 | 5,691 |
| Total noninterest expense | $1,625,000 | 4,765 |
| Salaries and employee benefits | $941,000 | 4,610 |
| Premises and equipment expense | $270,000 | 4,152 |
| Additional noninterest expense | $414,000 | 5,188 |
| Pre-tax net operating income | $1,623,000 | 2,541 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $1,623,000 | 2,090 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,623,000 | 2,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 1,237 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,623,000 | 2,073 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,198,000 | 3,100 |
| Total interest expense | $1,576,000 | 2,863 |
| Net interest income | $1,622,000 | 3,328 |
| Provision for loan and lease losses | $55,000 | 2,982 |
| Total noninterest income | $56,000 | 6,648 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $17,000 | 6,538 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $39,000 | 5,553 |
| Total noninterest expense | $828,000 | 4,701 |
| Salaries and employee benefits | $482,000 | 4,562 |
| Premises and equipment expense | $133,000 | 4,204 |
| Additional noninterest expense | $213,000 | 5,055 |
| Pre-tax net operating income | $795,000 | 2,569 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $795,000 | 2,076 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $795,000 | 2,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $795,000 | 2,065 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,964,000 | 3,578 |
| Total interest expense | $4,227,000 | 3,460 |
| Net interest income | $5,737,000 | 3,638 |
| Provision for loan and lease losses | $740,000 | 1,348 |
| Total noninterest income | $187,000 | 7,028 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $64,000 | 6,666 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $123,000 | 5,969 |
| Total noninterest expense | $3,003,000 | 4,878 |
| Salaries and employee benefits | $1,612,000 | 4,965 |
| Premises and equipment expense | $478,000 | 4,393 |
| Additional noninterest expense | $913,000 | 4,809 |
| Pre-tax net operating income | $2,181,000 | 3,448 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $2,181,000 | 2,913 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,181,000 | 2,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,181,000 | 2,901 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,993,000 | 3,746 |
| Total interest expense | $2,759,000 | 3,713 |
| Net interest income | $4,234,000 | 3,702 |
| Provision for loan and lease losses | $633,000 | 1,151 |
| Total noninterest income | $137,000 | 7,102 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $46,000 | 6,799 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $91,000 | 6,017 |
| Total noninterest expense | $2,162,000 | 5,005 |
| Salaries and employee benefits | $1,165,000 | 5,069 |
| Premises and equipment expense | $355,000 | 4,435 |
| Additional noninterest expense | $642,000 | 5,004 |
| Pre-tax net operating income | $1,576,000 | 3,678 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $1,576,000 | 3,093 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,576,000 | 3,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,576,000 | 3,084 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,270,000 | 3,939 |
| Total interest expense | $1,563,000 | 3,999 |
| Net interest income | $2,707,000 | 3,828 |
| Provision for loan and lease losses | $447,000 | 1,089 |
| Total noninterest income | $84,000 | 7,265 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $33,000 | 6,762 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $51,000 | 6,354 |
| Total noninterest expense | $1,390,000 | 5,138 |
| Salaries and employee benefits | $724,000 | 5,306 |
| Premises and equipment expense | $245,000 | 4,324 |
| Additional noninterest expense | $421,000 | 5,034 |
| Pre-tax net operating income | $954,000 | 3,905 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $954,000 | 3,318 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $954,000 | 3,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $954,000 | 3,311 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,940,000 | 4,170 |
| Total interest expense | $701,000 | 4,170 |
| Net interest income | $1,239,000 | 4,072 |
| Provision for loan and lease losses | $186,000 | 1,209 |
| Total noninterest income | $45,000 | 7,115 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $19,000 | 6,578 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $26,000 | 6,300 |
| Total noninterest expense | $657,000 | 5,325 |
| Salaries and employee benefits | $327,000 | 5,669 |
| Premises and equipment expense | $120,000 | 4,409 |
| Additional noninterest expense | $210,000 | 5,028 |
| Pre-tax net operating income | $441,000 | 4,044 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $441,000 | 3,453 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $441,000 | 3,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $441,000 | 3,428 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,130,000 | 5,077 |
| Total interest expense | $1,586,000 | 5,095 |
| Net interest income | $3,544,000 | 4,981 |
| Provision for loan and lease losses | $336,000 | 2,599 |
| Total noninterest income | $161,000 | 7,397 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $71,000 | 6,730 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $90,000 | 6,565 |
| Total noninterest expense | $2,488,000 | 5,393 |
| Salaries and employee benefits | $1,287,000 | 5,560 |
| Premises and equipment expense | $466,000 | 4,386 |
| Additional noninterest expense | $735,000 | 5,458 |
| Pre-tax net operating income | $881,000 | 5,677 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $881,000 | 5,130 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $881,000 | 5,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 3,648 |
| Cash dividends | $200,000 | 4,874 |
| Sale, conversion, retirement of capital stock, net | $950,000 | 493 |
| Net operating income | $881,000 | 5,098 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,539,000 | 5,313 |
| Total interest expense | $1,000,000 | 5,429 |
| Net interest income | $2,539,000 | 5,131 |
| Provision for loan and lease losses | $261,000 | 2,459 |
| Total noninterest income | $122,000 | 7,395 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $53,000 | 6,786 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $69,000 | 6,541 |
| Total noninterest expense | $1,586,000 | 5,878 |
| Salaries and employee benefits | $769,000 | 6,270 |
| Premises and equipment expense | $349,000 | 4,373 |
| Additional noninterest expense | $468,000 | 5,910 |
| Pre-tax net operating income | $814,000 | 5,292 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $814,000 | 4,709 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $814,000 | 4,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 2,817 |
| Cash dividends | $200,000 | 4,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $814,000 | 4,676 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,201,000 | 5,452 |
| Total interest expense | $603,000 | 5,547 |
| Net interest income | $1,598,000 | 5,293 |
| Provision for loan and lease losses | $186,000 | 2,267 |
| Total noninterest income | $78,000 | 7,448 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $33,000 | 6,850 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $45,000 | 6,573 |
| Total noninterest expense | $1,035,000 | 5,945 |
| Salaries and employee benefits | $482,000 | 6,454 |
| Premises and equipment expense | $240,000 | 4,265 |
| Additional noninterest expense | $313,000 | 5,880 |
| Pre-tax net operating income | $455,000 | 5,672 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $455,000 | 5,124 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $455,000 | 5,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 2,103 |
| Cash dividends | $200,000 | 3,480 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $455,000 | 5,075 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,083,000 | 5,494 |
| Total interest expense | $309,000 | 5,393 |
| Net interest income | $774,000 | 5,438 |
| Provision for loan and lease losses | $111,000 | 1,887 |
| Total noninterest income | $35,000 | 7,613 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $15,000 | 6,958 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,849 |
| Total noninterest expense | $535,000 | 5,871 |
| Salaries and employee benefits | $256,000 | 6,297 |
| Premises and equipment expense | $125,000 | 4,196 |
| Additional noninterest expense | $154,000 | 5,920 |
| Pre-tax net operating income | $163,000 | 6,393 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $163,000 | 5,916 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $163,000 | 5,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 1,262 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $163,000 | 5,876 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,122,000 | 5,460 |
| Total interest expense | $1,122,000 | 5,323 |
| Net interest income | $3,000,000 | 5,414 |
| Provision for loan and lease losses | $468,000 | 2,075 |
| Total noninterest income | $186,000 | 7,275 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $76,000 | 6,838 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $110,000 | 6,256 |
| Total noninterest expense | $2,046,000 | 5,926 |
| Salaries and employee benefits | $996,000 | 6,285 |
| Premises and equipment expense | $478,000 | 4,237 |
| Additional noninterest expense | $572,000 | 6,141 |
| Pre-tax net operating income | $672,000 | 6,185 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $672,000 | 5,690 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $672,000 | 5,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $368,000 | 1,701 |
| Cash dividends | $10,000 | 6,100 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $672,000 | 5,630 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,063,000 | 5,488 |
| Total interest expense | $857,000 | 5,230 |
| Net interest income | $2,206,000 | 5,458 |
| Provision for loan and lease losses | $214,000 | 2,885 |
| Total noninterest income | $144,000 | 7,260 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $58,000 | 6,852 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $86,000 | 6,193 |
| Total noninterest expense | $1,473,000 | 6,015 |
| Salaries and employee benefits | $691,000 | 6,503 |
| Premises and equipment expense | $359,000 | 4,216 |
| Additional noninterest expense | $423,000 | 6,144 |
| Pre-tax net operating income | $663,000 | 5,640 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $663,000 | 5,095 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $663,000 | 5,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 2,684 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $663,000 | 5,006 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,989,000 | 5,570 |
| Total interest expense | $557,000 | 5,343 |
| Net interest income | $1,432,000 | 5,544 |
| Provision for loan and lease losses | $154,000 | 2,662 |
| Total noninterest income | $102,000 | 7,203 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $36,000 | 6,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $66,000 | 5,947 |
| Total noninterest expense | $982,000 | 6,049 |
| Salaries and employee benefits | $459,000 | 6,558 |
| Premises and equipment expense | $237,000 | 4,245 |
| Additional noninterest expense | $286,000 | 6,123 |
| Pre-tax net operating income | $398,000 | 5,868 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $398,000 | 5,333 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $398,000 | 5,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 2,290 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $398,000 | 5,243 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $961,000 | 5,703 |
| Total interest expense | $253,000 | 5,678 |
| Net interest income | $708,000 | 5,592 |
| Provision for loan and lease losses | $94,000 | 2,217 |
| Total noninterest income | $58,000 | 6,943 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $18,000 | 6,945 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $40,000 | 5,560 |
| Total noninterest expense | $485,000 | 6,140 |
| Salaries and employee benefits | $229,000 | 6,615 |
| Premises and equipment expense | $117,000 | 4,321 |
| Additional noninterest expense | $139,000 | 6,236 |
| Pre-tax net operating income | $187,000 | 5,983 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $187,000 | 5,502 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $187,000 | 5,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $187,000 | 5,384 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,242,000 | 6,271 |
| Total interest expense | $997,000 | 6,135 |
| Net interest income | $2,245,000 | 6,263 |
| Provision for loan and lease losses | $400,000 | 2,580 |
| Total noninterest income | $145,000 | 7,861 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $47,000 | 7,480 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $98,000 | 6,567 |
| Total noninterest expense | $1,677,000 | 6,568 |
| Salaries and employee benefits | $772,000 | 7,022 |
| Premises and equipment expense | $466,000 | 4,282 |
| Additional noninterest expense | $439,000 | 6,911 |
| Pre-tax net operating income | $313,000 | 7,387 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $313,000 | 7,224 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $313,000 | 7,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 3,458 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $-75,000 | 9,105 |
| Net operating income | $313,000 | 7,079 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,370,000 | 6,422 |
| Total interest expense | $759,000 | 6,227 |
| Net interest income | $1,611,000 | 6,411 |
| Provision for loan and lease losses | $225,000 | 3,052 |
| Total noninterest income | $101,000 | 8,008 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $30,000 | 7,641 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $71,000 | 6,675 |
| Total noninterest expense | $1,218,000 | 6,656 |
| Salaries and employee benefits | $560,000 | 7,090 |
| Premises and equipment expense | $350,000 | 4,266 |
| Additional noninterest expense | $308,000 | 7,067 |
| Pre-tax net operating income | $269,000 | 7,336 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $269,000 | 7,120 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $269,000 | 7,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,699 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $269,000 | 6,960 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,548,000 | 6,547 |
| Total interest expense | $518,000 | 6,289 |
| Net interest income | $1,030,000 | 6,557 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $62,000 | 8,111 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $19,000 | 7,696 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $43,000 | 6,830 |
| Total noninterest expense | $770,000 | 6,833 |
| Salaries and employee benefits | $331,000 | 7,432 |
| Premises and equipment expense | $239,000 | 4,194 |
| Additional noninterest expense | $200,000 | 7,140 |
| Pre-tax net operating income | $172,000 | 7,445 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $172,000 | 7,233 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $172,000 | 7,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,160 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $172,000 | 7,056 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $740,000 | 6,738 |
| Total interest expense | $256,000 | 6,420 |
| Net interest income | $484,000 | 6,744 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $26,000 | 8,331 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $9,000 | 7,710 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $17,000 | 7,158 |
| Total noninterest expense | $378,000 | 6,886 |
| Salaries and employee benefits | $158,000 | 7,587 |
| Premises and equipment expense | $137,000 | 3,763 |
| Additional noninterest expense | $83,000 | 7,586 |
| Pre-tax net operating income | $57,000 | 7,887 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $57,000 | 7,745 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $57,000 | 7,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $57,000 | 7,600 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,413,000 | 7,434 |
| Total interest expense | $994,000 | 6,950 |
| Net interest income | $1,419,000 | 7,560 |
| Provision for loan and lease losses | $245,000 | 3,904 |
| Total noninterest income | $164,000 | 7,678 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $46,000 | 7,595 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $118,000 | 6,097 |
| Total noninterest expense | $1,521,000 | 6,795 |
| Salaries and employee benefits | $655,000 | 7,480 |
| Premises and equipment expense | $469,000 | 4,134 |
| Additional noninterest expense | $397,000 | 7,176 |
| Pre-tax net operating income | $-183,000 | 8,826 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-183,000 | 8,895 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-183,000 | 8,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-183,000 | 8,842 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,649,000 | 8,581 |
| Total interest expense | $707,000 | 8,611 |
| Net interest income | $942,000 | 8,403 |
| Provision for loan and lease losses | $130,000 | 5,052 |
| Total noninterest income | $94,000 | 8,603 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $16,000 | 8,188 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $78,000 | 6,933 |
| Total noninterest expense | $1,175,000 | 7,515 |
| Salaries and employee benefits | $503,000 | 8,169 |
| Premises and equipment expense | $343,000 | 5,100 |
| Additional noninterest expense | $328,000 | 7,653 |
| Pre-tax net operating income | $-269,000 | 9,002 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-269,000 | 9,100 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-269,000 | 9,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-269,000 | 9,044 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $502,000 | 9,698 |
| Total interest expense | $109,000 | 9,741 |
| Net interest income | $393,000 | 9,587 |
| Provision for loan and lease losses | $65,000 | 6,097 |
| Total noninterest income | $35,000 | 9,533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 8,554 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 8,420 |
| Total noninterest expense | $992,000 | 8,048 |
| Salaries and employee benefits | $467,000 | 8,416 |
| Premises and equipment expense | $290,000 | 5,532 |
| Additional noninterest expense | $235,000 | 8,458 |
| Pre-tax net operating income | $-629,000 | 9,601 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-629,000 | 9,627 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-629,000 | 9,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $6,499,000 | 147 |
| Net operating income | $-629,000 | 9,626 |
* 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.