Home > Bank of Shorewood > Income and Expense
Bank of Shorewood, Income and Expense
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,452,000 | 4,705 |
| Total interest expense | $658,000 | 3,963 |
| Net interest income | $1,794,000 | 4,879 |
| Provision for loan and lease losses | $1,574,000 | 1,081 |
| Total noninterest income | $295,000 | 4,136 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $215,000 | 2,864 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $80,000 | 4,902 |
| Total noninterest expense | $2,504,000 | 3,573 |
| Salaries and employee benefits | $896,000 | 4,500 |
| Premises and equipment expense | $329,000 | 3,416 |
| Additional noninterest expense | $1,279,000 | 2,589 |
| Pre-tax net operating income | $-1,989,000 | 7,168 |
| Securities gains (losses) | $206,000 | 719 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-1,783,000 | 7,188 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,783,000 | 7,189 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-1,783,000 | 7,189 |
| Net charge-offs | $1,102,000 | 1,390 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-1,989,000 | 7,198 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,257,000 | 4,662 |
| Total interest expense | $351,000 | 3,906 |
| Net interest income | $906,000 | 4,843 |
| Provision for loan and lease losses | $341,000 | 1,806 |
| Total noninterest income | $153,000 | 4,123 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $105,000 | 2,881 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $48,000 | 4,728 |
| Total noninterest expense | $1,186,000 | 3,726 |
| Salaries and employee benefits | $458,000 | 4,464 |
| Premises and equipment expense | $167,000 | 3,438 |
| Additional noninterest expense | $561,000 | 2,887 |
| Pre-tax net operating income | $-468,000 | 7,065 |
| Securities gains (losses) | $130,000 | 457 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-338,000 | 7,026 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-338,000 | 7,026 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-338,000 | 7,026 |
| Net charge-offs | $1,188,000 | 763 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-468,000 | 7,106 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $6,005,000 | 4,322 |
| Total interest expense | $1,987,000 | 3,590 |
| Net interest income | $4,018,000 | 4,576 |
| Provision for loan and lease losses | $4,438,000 | 1,251 |
| Total noninterest income | $-466,000 | 7,483 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $411,000 | 3,026 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-877,000 | 7,474 |
| Total noninterest expense | $4,857,000 | 3,697 |
| Salaries and employee benefits | $1,894,000 | 4,390 |
| Premises and equipment expense | $647,000 | 3,518 |
| Additional noninterest expense | $2,316,000 | 2,854 |
| Pre-tax net operating income | $-5,743,000 | 7,162 |
| Securities gains (losses) | $203,000 | 1,575 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-5,540,000 | 7,208 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-5,540,000 | 7,209 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-5,540,000 | 7,209 |
| Net charge-offs | $2,284,000 | 1,725 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-5,743,000 | 7,200 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,677,000 | 4,288 |
| Total interest expense | $1,587,000 | 3,550 |
| Net interest income | $3,090,000 | 4,552 |
| Provision for loan and lease losses | $3,408,000 | 1,166 |
| Total noninterest income | $-231,000 | 7,576 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $315,000 | 3,056 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-546,000 | 7,585 |
| Total noninterest expense | $3,660,000 | 3,694 |
| Salaries and employee benefits | $1,442,000 | 4,390 |
| Premises and equipment expense | $506,000 | 3,457 |
| Additional noninterest expense | $1,712,000 | 2,831 |
| Pre-tax net operating income | $-4,209,000 | 7,314 |
| Securities gains (losses) | $203,000 | 1,368 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-4,006,000 | 7,362 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-4,006,000 | 7,362 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-4,006,000 | 7,363 |
| Net charge-offs | $2,285,000 | 1,383 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-4,209,000 | 7,352 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,224,000 | 4,225 |
| Total interest expense | $1,123,000 | 3,478 |
| Net interest income | $2,101,000 | 4,492 |
| Provision for loan and lease losses | $3,548,000 | 835 |
| Total noninterest income | $441,000 | 3,462 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $214,000 | 3,023 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $227,000 | 3,292 |
| Total noninterest expense | $3,007,000 | 3,109 |
| Salaries and employee benefits | $958,000 | 4,420 |
| Premises and equipment expense | $390,000 | 3,120 |
| Additional noninterest expense | $1,659,000 | 2,067 |
| Pre-tax net operating income | $-4,013,000 | 7,492 |
| Securities gains (losses) | $95,000 | 1,453 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-3,918,000 | 7,517 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,918,000 | 7,517 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-3,918,000 | 7,518 |
| Net charge-offs | $1,749,000 | 1,243 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-4,013,000 | 7,520 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,662,000 | 4,218 |
| Total interest expense | $620,000 | 3,348 |
| Net interest income | $1,042,000 | 4,553 |
| Provision for loan and lease losses | $3,102,000 | 533 |
| Total noninterest income | $196,000 | 3,687 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $95,000 | 3,254 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $101,000 | 3,506 |
| Total noninterest expense | $1,878,000 | 2,602 |
| Salaries and employee benefits | $482,000 | 4,455 |
| Premises and equipment expense | $157,000 | 3,768 |
| Additional noninterest expense | $1,239,000 | 1,432 |
| Pre-tax net operating income | $-3,742,000 | 7,725 |
| Securities gains (losses) | $72,000 | 947 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-3,670,000 | 7,743 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-3,670,000 | 7,744 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-3,670,000 | 7,744 |
| Net charge-offs | $605,000 | 1,450 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-3,742,000 | 7,740 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,023,000 | 4,170 |
| Total interest expense | $2,990,000 | 3,416 |
| Net interest income | $4,033,000 | 4,547 |
| Provision for loan and lease losses | $3,219,000 | 1,885 |
| Total noninterest income | $907,000 | 3,523 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $367,000 | 3,486 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $540,000 | 3,077 |
| Total noninterest expense | $4,935,000 | 3,729 |
| Salaries and employee benefits | $1,938,000 | 4,456 |
| Premises and equipment expense | $745,000 | 3,303 |
| Additional noninterest expense | $2,252,000 | 3,013 |
| Pre-tax net operating income | $-3,214,000 | 6,934 |
| Securities gains (losses) | $436,000 | 968 |
| Applicable income taxes | $-45,000 | 6,429 |
| Income before extraordinary items | $-2,733,000 | 6,934 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,733,000 | 6,933 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,733,000 | 6,933 |
| Net charge-offs | $2,187,000 | 1,929 |
| Cash dividends | $50,000 | 4,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-3,160,280 | 7,026 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,325,000 | 4,188 |
| Total interest expense | $2,361,000 | 3,428 |
| Net interest income | $2,964,000 | 4,623 |
| Provision for loan and lease losses | $2,219,000 | 1,786 |
| Total noninterest income | $697,000 | 3,538 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $269,000 | 3,544 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $428,000 | 3,061 |
| Total noninterest expense | $3,248,000 | 4,124 |
| Salaries and employee benefits | $1,477,000 | 4,434 |
| Premises and equipment expense | $566,000 | 3,326 |
| Additional noninterest expense | $1,205,000 | 3,864 |
| Pre-tax net operating income | $-1,806,000 | 6,979 |
| Securities gains (losses) | $439,000 | 768 |
| Applicable income taxes | $-621,000 | 7,404 |
| Income before extraordinary items | $-746,000 | 6,592 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-746,000 | 6,593 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-746,000 | 6,593 |
| Net charge-offs | $1,927,000 | 1,532 |
| Cash dividends | $50,000 | 3,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,026,960 | 6,757 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,559,000 | 4,218 |
| Total interest expense | $1,622,000 | 3,474 |
| Net interest income | $1,937,000 | 4,679 |
| Provision for loan and lease losses | $1,510,000 | 1,639 |
| Total noninterest income | $472,000 | 3,536 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $182,000 | 3,495 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $290,000 | 3,065 |
| Total noninterest expense | $2,163,000 | 4,154 |
| Salaries and employee benefits | $1,013,000 | 4,399 |
| Premises and equipment expense | $381,000 | 3,314 |
| Additional noninterest expense | $769,000 | 3,988 |
| Pre-tax net operating income | $-1,264,000 | 7,148 |
| Securities gains (losses) | $25,000 | 2,233 |
| Applicable income taxes | $-543,000 | 7,606 |
| Income before extraordinary items | $-696,000 | 6,946 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-696,000 | 6,946 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-696,000 | 6,946 |
| Net charge-offs | $1,609,000 | 1,285 |
| Cash dividends | $50,000 | 3,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-712,000 | 6,935 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,790,000 | 4,255 |
| Total interest expense | $833,000 | 3,519 |
| Net interest income | $957,000 | 4,698 |
| Provision for loan and lease losses | $375,000 | 2,048 |
| Total noninterest income | $195,000 | 3,860 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $89,000 | 3,480 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $106,000 | 3,571 |
| Total noninterest expense | $1,029,000 | 4,228 |
| Salaries and employee benefits | $526,000 | 4,311 |
| Premises and equipment expense | $206,000 | 3,143 |
| Additional noninterest expense | $297,000 | 4,442 |
| Pre-tax net operating income | $-252,000 | 6,976 |
| Securities gains (losses) | $25,000 | 1,589 |
| Applicable income taxes | $-119,000 | 7,590 |
| Income before extraordinary items | $-108,000 | 6,828 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-108,000 | 6,829 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-108,000 | 6,829 |
| Net charge-offs | $1,043,000 | 936 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-124,000 | 6,782 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,993,000 | 4,134 |
| Total interest expense | $3,644,000 | 3,749 |
| Net interest income | $4,349,000 | 4,315 |
| Provision for loan and lease losses | $1,033,000 | 2,663 |
| Total noninterest income | $840,000 | 3,768 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $401,000 | 3,454 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $439,000 | 3,424 |
| Total noninterest expense | $4,129,000 | 4,141 |
| Salaries and employee benefits | $2,192,000 | 4,151 |
| Premises and equipment expense | $790,000 | 3,210 |
| Additional noninterest expense | $1,147,000 | 4,429 |
| Pre-tax net operating income | $27,000 | 6,221 |
| Securities gains (losses) | $134,000 | 934 |
| Applicable income taxes | $-78,000 | 7,036 |
| Income before extraordinary items | $239,000 | 5,332 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $239,000 | 5,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $291,000 | 3,564 |
| Cash dividends | $210,000 | 4,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $105,000 | 5,991 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,084,000 | 4,161 |
| Total interest expense | $2,778,000 | 3,805 |
| Net interest income | $3,306,000 | 4,304 |
| Provision for loan and lease losses | $724,000 | 2,214 |
| Total noninterest income | $636,000 | 3,843 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $306,000 | 3,452 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $330,000 | 3,524 |
| Total noninterest expense | $3,023,000 | 4,192 |
| Salaries and employee benefits | $1,637,000 | 4,201 |
| Premises and equipment expense | $605,000 | 3,176 |
| Additional noninterest expense | $781,000 | 4,617 |
| Pre-tax net operating income | $195,000 | 6,055 |
| Securities gains (losses) | $83,000 | 1,084 |
| Applicable income taxes | $10,000 | 4,863 |
| Income before extraordinary items | $268,000 | 5,357 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $268,000 | 5,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 2,568 |
| Cash dividends | $180,000 | 3,978 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $188,320 | 5,935 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,051,000 | 4,218 |
| Total interest expense | $1,889,000 | 3,881 |
| Net interest income | $2,162,000 | 4,363 |
| Provision for loan and lease losses | $640,000 | 1,631 |
| Total noninterest income | $427,000 | 3,880 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $193,000 | 3,553 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $234,000 | 3,471 |
| Total noninterest expense | $2,062,000 | 4,145 |
| Salaries and employee benefits | $1,111,000 | 4,183 |
| Premises and equipment expense | $415,000 | 3,115 |
| Additional noninterest expense | $536,000 | 4,531 |
| Pre-tax net operating income | $-113,000 | 7,214 |
| Securities gains (losses) | $83,000 | 1,105 |
| Applicable income taxes | $-79,000 | 7,818 |
| Income before extraordinary items | $49,000 | 6,704 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $49,000 | 6,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,422 |
| Cash dividends | $80,000 | 4,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-4,120 | 6,990 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,061,000 | 4,234 |
| Total interest expense | $1,033,000 | 3,822 |
| Net interest income | $1,028,000 | 4,532 |
| Provision for loan and lease losses | $84,000 | 3,006 |
| Total noninterest income | $217,000 | 3,828 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $100,000 | 3,452 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $117,000 | 3,478 |
| Total noninterest expense | $1,068,000 | 4,046 |
| Salaries and employee benefits | $586,000 | 4,043 |
| Premises and equipment expense | $217,000 | 3,003 |
| Additional noninterest expense | $265,000 | 4,506 |
| Pre-tax net operating income | $93,000 | 6,075 |
| Securities gains (losses) | $76,000 | 860 |
| Applicable income taxes | $31,000 | 4,027 |
| Income before extraordinary items | $138,000 | 5,351 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $138,000 | 5,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,065 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $75,680 | 6,100 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,873,000 | 4,409 |
| Total interest expense | $4,162,000 | 3,918 |
| Net interest income | $3,711,000 | 4,844 |
| Provision for loan and lease losses | $566,000 | 2,143 |
| Total noninterest income | $833,000 | 3,945 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $398,000 | 3,529 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $435,000 | 3,567 |
| Total noninterest expense | $3,950,000 | 4,161 |
| Salaries and employee benefits | $2,073,000 | 4,283 |
| Premises and equipment expense | $769,000 | 3,188 |
| Additional noninterest expense | $1,108,000 | 4,316 |
| Pre-tax net operating income | $28,000 | 7,360 |
| Securities gains (losses) | $5,000 | 1,575 |
| Applicable income taxes | $-122,000 | 8,047 |
| Income before extraordinary items | $155,000 | 6,940 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $155,000 | 6,939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $628,000 | 1,438 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $150,000 | 6,934 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,759,000 | 4,504 |
| Total interest expense | $3,014,000 | 4,006 |
| Net interest income | $2,745,000 | 4,906 |
| Provision for loan and lease losses | $373,000 | 1,974 |
| Total noninterest income | $986,000 | 2,946 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $280,000 | 3,654 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $706,000 | 2,305 |
| Total noninterest expense | $3,194,000 | 3,910 |
| Salaries and employee benefits | $1,467,000 | 4,442 |
| Premises and equipment expense | $617,000 | 3,007 |
| Additional noninterest expense | $1,110,000 | 3,398 |
| Pre-tax net operating income | $164,000 | 7,092 |
| Securities gains (losses) | $-5,000 | 7,616 |
| Applicable income taxes | $-40,000 | 8,132 |
| Income before extraordinary items | $199,000 | 6,808 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $199,000 | 6,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $599,000 | 938 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $204,000 | 6,778 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,758,000 | 4,576 |
| Total interest expense | $1,905,000 | 4,149 |
| Net interest income | $1,853,000 | 4,900 |
| Provision for loan and lease losses | $72,000 | 3,798 |
| Total noninterest income | $406,000 | 4,005 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $177,000 | 3,762 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $229,000 | 3,527 |
| Total noninterest expense | $1,778,000 | 4,474 |
| Salaries and employee benefits | $944,000 | 4,603 |
| Premises and equipment expense | $316,000 | 3,712 |
| Additional noninterest expense | $518,000 | 4,466 |
| Pre-tax net operating income | $409,000 | 5,467 |
| Securities gains (losses) | $5,000 | 1,010 |
| Applicable income taxes | $90,000 | 4,229 |
| Income before extraordinary items | $324,000 | 5,493 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $324,000 | 5,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,333 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $320,100 | 5,503 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,794,000 | 4,700 |
| Total interest expense | $944,000 | 4,151 |
| Net interest income | $850,000 | 5,179 |
| Provision for loan and lease losses | $36,000 | 3,550 |
| Total noninterest income | $204,000 | 3,968 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $82,000 | 3,854 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $122,000 | 3,401 |
| Total noninterest expense | $859,000 | 4,582 |
| Salaries and employee benefits | $460,000 | 4,710 |
| Premises and equipment expense | $132,000 | 4,228 |
| Additional noninterest expense | $267,000 | 4,323 |
| Pre-tax net operating income | $159,000 | 5,964 |
| Securities gains (losses) | $5,000 | 805 |
| Applicable income taxes | $28,000 | 4,668 |
| Income before extraordinary items | $136,000 | 5,846 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $136,000 | 5,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $131,850 | 5,898 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,006,000 | 4,563 |
| Total interest expense | $3,339,000 | 4,046 |
| Net interest income | $3,667,000 | 4,907 |
| Provision for loan and lease losses | $198,000 | 3,566 |
| Total noninterest income | $788,000 | 4,094 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $383,000 | 3,616 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $405,000 | 3,709 |
| Total noninterest expense | $3,383,000 | 4,500 |
| Salaries and employee benefits | $1,763,000 | 4,687 |
| Premises and equipment expense | $567,000 | 3,928 |
| Additional noninterest expense | $1,053,000 | 4,347 |
| Pre-tax net operating income | $874,000 | 5,475 |
| Securities gains (losses) | $-15,000 | 7,443 |
| Applicable income taxes | $156,000 | 4,556 |
| Income before extraordinary items | $703,000 | 5,502 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $703,000 | 5,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,021 |
| Cash dividends | $75,000 | 5,570 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $715,300 | 5,451 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,184,000 | 4,594 |
| Total interest expense | $2,419,000 | 4,048 |
| Net interest income | $2,765,000 | 4,932 |
| Provision for loan and lease losses | $135,000 | 3,558 |
| Total noninterest income | $631,000 | 3,942 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $298,000 | 3,587 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $333,000 | 3,536 |
| Total noninterest expense | $2,551,000 | 4,471 |
| Salaries and employee benefits | $1,315,000 | 4,671 |
| Premises and equipment expense | $308,000 | 4,848 |
| Additional noninterest expense | $928,000 | 3,833 |
| Pre-tax net operating income | $710,000 | 5,489 |
| Securities gains (losses) | $-15,000 | 7,737 |
| Applicable income taxes | $134,000 | 4,607 |
| Income before extraordinary items | $561,000 | 5,526 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $561,000 | 5,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,294 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $573,150 | 5,470 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,370,000 | 4,623 |
| Total interest expense | $1,551,000 | 4,022 |
| Net interest income | $1,819,000 | 4,996 |
| Provision for loan and lease losses | $81,000 | 3,704 |
| Total noninterest income | $420,000 | 3,940 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $200,000 | 3,543 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $220,000 | 3,558 |
| Total noninterest expense | $1,710,000 | 4,477 |
| Salaries and employee benefits | $893,000 | 4,641 |
| Premises and equipment expense | $280,000 | 3,986 |
| Additional noninterest expense | $537,000 | 4,253 |
| Pre-tax net operating income | $448,000 | 5,653 |
| Securities gains (losses) | $-15,000 | 7,996 |
| Applicable income taxes | $75,000 | 4,845 |
| Income before extraordinary items | $358,000 | 5,634 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $358,000 | 5,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,558 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $370,450 | 5,561 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,629,000 | 4,662 |
| Total interest expense | $742,000 | 4,026 |
| Net interest income | $887,000 | 5,080 |
| Provision for loan and lease losses | $36,000 | 3,658 |
| Total noninterest income | $200,000 | 3,984 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $15,000 | 6,832 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $185,000 | 2,627 |
| Total noninterest expense | $849,000 | 4,504 |
| Salaries and employee benefits | $450,000 | 4,635 |
| Premises and equipment expense | $143,000 | 3,936 |
| Additional noninterest expense | $256,000 | 4,398 |
| Pre-tax net operating income | $202,000 | 5,824 |
| Securities gains (losses) | $-15,000 | 8,324 |
| Applicable income taxes | $42,000 | 4,694 |
| Income before extraordinary items | $145,000 | 6,035 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $145,000 | 6,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,102 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $156,700 | 5,871 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,401,000 | 4,913 |
| Total interest expense | $1,855,000 | 4,658 |
| Net interest income | $3,546,000 | 4,975 |
| Provision for loan and lease losses | $219,000 | 3,446 |
| Total noninterest income | $1,026,000 | 3,498 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $441,000 | 3,328 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $585,000 | 3,105 |
| Total noninterest expense | $3,795,000 | 4,027 |
| Salaries and employee benefits | $1,807,000 | 4,469 |
| Premises and equipment expense | $354,000 | 5,243 |
| Additional noninterest expense | $1,634,000 | 3,027 |
| Pre-tax net operating income | $558,000 | 6,551 |
| Securities gains (losses) | $-11,000 | 7,567 |
| Applicable income taxes | $83,000 | 5,516 |
| Income before extraordinary items | $464,000 | 6,524 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $464,000 | 6,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,956 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $473,350 | 6,450 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,665,000 | 5,187 |
| Total interest expense | $1,246,000 | 4,843 |
| Net interest income | $2,419,000 | 5,278 |
| Provision for loan and lease losses | $108,000 | 4,052 |
| Total noninterest income | $819,000 | 3,349 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $354,000 | 3,180 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $465,000 | 3,018 |
| Total noninterest expense | $2,714,000 | 4,139 |
| Salaries and employee benefits | $1,317,000 | 4,528 |
| Premises and equipment expense | $251,000 | 5,425 |
| Additional noninterest expense | $1,146,000 | 3,146 |
| Pre-tax net operating income | $416,000 | 6,720 |
| Securities gains (losses) | $-11,000 | 7,939 |
| Applicable income taxes | $64,000 | 5,619 |
| Income before extraordinary items | $341,000 | 6,705 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $341,000 | 6,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,634 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $350,240 | 6,608 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,293,000 | 5,333 |
| Total interest expense | $751,000 | 4,951 |
| Net interest income | $1,542,000 | 5,410 |
| Provision for loan and lease losses | $72,000 | 3,910 |
| Total noninterest income | $571,000 | 3,216 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $238,000 | 3,114 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $333,000 | 2,878 |
| Total noninterest expense | $1,884,000 | 4,001 |
| Salaries and employee benefits | $853,000 | 4,601 |
| Premises and equipment expense | $186,000 | 5,060 |
| Additional noninterest expense | $845,000 | 2,868 |
| Pre-tax net operating income | $157,000 | 7,503 |
| Securities gains (losses) | $-11,000 | 8,167 |
| Applicable income taxes | $3,000 | 6,722 |
| Income before extraordinary items | $143,000 | 7,409 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $143,000 | 7,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,238 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $153,780 | 7,276 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,053,000 | 5,575 |
| Total interest expense | $334,000 | 5,183 |
| Net interest income | $719,000 | 5,654 |
| Provision for loan and lease losses | $36,000 | 3,732 |
| Total noninterest income | $303,000 | 3,034 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $116,000 | 3,116 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $187,000 | 2,588 |
| Total noninterest expense | $862,000 | 4,304 |
| Salaries and employee benefits | $435,000 | 4,548 |
| Premises and equipment expense | $116,000 | 4,396 |
| Additional noninterest expense | $311,000 | 3,705 |
| Pre-tax net operating income | $124,000 | 6,905 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $19,000 | 5,699 |
| Income before extraordinary items | $105,000 | 6,803 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $105,000 | 6,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $105,000 | 6,769 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,774,000 | 5,743 |
| Total interest expense | $978,000 | 5,724 |
| Net interest income | $2,796,000 | 5,642 |
| Provision for loan and lease losses | $169,000 | 4,047 |
| Total noninterest income | $937,000 | 3,702 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $456,000 | 3,349 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $481,000 | 3,380 |
| Total noninterest expense | $2,916,000 | 4,758 |
| Salaries and employee benefits | $1,510,000 | 4,922 |
| Premises and equipment expense | $382,000 | 4,919 |
| Additional noninterest expense | $1,024,000 | 4,255 |
| Pre-tax net operating income | $648,000 | 6,259 |
| Securities gains (losses) | $-1,000 | 7,794 |
| Applicable income taxes | $134,000 | 5,229 |
| Income before extraordinary items | $513,000 | 6,308 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $513,000 | 6,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,233 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $513,790 | 6,235 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,729,000 | 5,846 |
| Total interest expense | $677,000 | 5,917 |
| Net interest income | $2,052,000 | 5,707 |
| Provision for loan and lease losses | $133,000 | 3,824 |
| Total noninterest income | $677,000 | 3,820 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $320,000 | 3,504 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $357,000 | 3,406 |
| Total noninterest expense | $2,095,000 | 4,857 |
| Salaries and employee benefits | $1,096,000 | 4,985 |
| Premises and equipment expense | $258,000 | 5,245 |
| Additional noninterest expense | $741,000 | 4,333 |
| Pre-tax net operating income | $501,000 | 6,319 |
| Securities gains (losses) | $-1,000 | 8,079 |
| Applicable income taxes | $108,000 | 5,258 |
| Income before extraordinary items | $392,000 | 6,378 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $392,000 | 6,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,694 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $392,780 | 6,299 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,770,000 | 5,932 |
| Total interest expense | $446,000 | 5,984 |
| Net interest income | $1,324,000 | 5,809 |
| Provision for loan and lease losses | $97,000 | 3,560 |
| Total noninterest income | $450,000 | 3,818 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $189,000 | 3,783 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $261,000 | 3,242 |
| Total noninterest expense | $1,355,000 | 4,998 |
| Salaries and employee benefits | $706,000 | 5,140 |
| Premises and equipment expense | $169,000 | 5,333 |
| Additional noninterest expense | $480,000 | 4,448 |
| Pre-tax net operating income | $322,000 | 6,362 |
| Securities gains (losses) | $-1,000 | 8,365 |
| Applicable income taxes | $66,000 | 5,342 |
| Income before extraordinary items | $255,000 | 6,397 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $255,000 | 6,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,991 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $255,790 | 6,305 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $862,000 | 6,051 |
| Total interest expense | $221,000 | 6,064 |
| Net interest income | $641,000 | 5,924 |
| Provision for loan and lease losses | $36,000 | 3,870 |
| Total noninterest income | $183,000 | 4,279 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $83,000 | 4,031 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $100,000 | 3,719 |
| Total noninterest expense | $644,000 | 5,200 |
| Salaries and employee benefits | $339,000 | 5,305 |
| Premises and equipment expense | $83,000 | 5,402 |
| Additional noninterest expense | $222,000 | 4,690 |
| Pre-tax net operating income | $144,000 | 6,523 |
| Securities gains (losses) | $-1,000 | 8,686 |
| Applicable income taxes | $20,000 | 5,783 |
| Income before extraordinary items | $123,000 | 6,459 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $123,000 | 6,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,952 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $123,860 | 6,337 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,980,000 | 6,534 |
| Total interest expense | $827,000 | 6,631 |
| Net interest income | $2,153,000 | 6,363 |
| Provision for loan and lease losses | $120,000 | 4,933 |
| Total noninterest income | $734,000 | 4,435 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $286,000 | 4,418 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $448,000 | 3,766 |
| Total noninterest expense | $2,374,000 | 5,403 |
| Salaries and employee benefits | $1,217,000 | 5,597 |
| Premises and equipment expense | $306,000 | 5,616 |
| Additional noninterest expense | $851,000 | 4,837 |
| Pre-tax net operating income | $393,000 | 7,078 |
| Securities gains (losses) | $8,000 | 3,717 |
| Applicable income taxes | $78,000 | 5,957 |
| Income before extraordinary items | $323,000 | 7,171 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $323,000 | 7,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,943 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $316,520 | 7,051 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,155,000 | 6,751 |
| Total interest expense | $613,000 | 6,796 |
| Net interest income | $1,542,000 | 6,553 |
| Provision for loan and lease losses | $81,000 | 5,104 |
| Total noninterest income | $596,000 | 4,289 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $202,000 | 4,592 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $394,000 | 3,554 |
| Total noninterest expense | $1,674,000 | 5,593 |
| Salaries and employee benefits | $886,000 | 5,659 |
| Premises and equipment expense | $225,000 | 5,647 |
| Additional noninterest expense | $563,000 | 5,236 |
| Pre-tax net operating income | $383,000 | 6,778 |
| Securities gains (losses) | $8,000 | 3,425 |
| Applicable income taxes | $96,000 | 5,612 |
| Income before extraordinary items | $295,000 | 6,973 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $295,000 | 6,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,831 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $289,000 | 6,840 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,379,000 | 6,915 |
| Total interest expense | $411,000 | 6,904 |
| Net interest income | $968,000 | 6,740 |
| Provision for loan and lease losses | $49,000 | 5,190 |
| Total noninterest income | $372,000 | 4,421 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $119,000 | 4,882 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $253,000 | 3,606 |
| Total noninterest expense | $1,075,000 | 5,739 |
| Salaries and employee benefits | $572,000 | 5,771 |
| Premises and equipment expense | $156,000 | 5,529 |
| Additional noninterest expense | $347,000 | 5,499 |
| Pre-tax net operating income | $216,000 | 7,078 |
| Securities gains (losses) | $8,000 | 3,037 |
| Applicable income taxes | $51,000 | 5,889 |
| Income before extraordinary items | $173,000 | 7,223 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $173,000 | 7,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,977 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $166,840 | 7,107 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $670,000 | 7,026 |
| Total interest expense | $209,000 | 6,956 |
| Net interest income | $461,000 | 6,888 |
| Provision for loan and lease losses | $24,000 | 4,998 |
| Total noninterest income | $173,000 | 4,523 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $55,000 | 4,963 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $118,000 | 3,632 |
| Total noninterest expense | $542,000 | 5,692 |
| Salaries and employee benefits | $292,000 | 5,706 |
| Premises and equipment expense | $79,000 | 5,487 |
| Additional noninterest expense | $171,000 | 5,533 |
| Pre-tax net operating income | $68,000 | 7,700 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $22,000 | 5,997 |
| Income before extraordinary items | $46,000 | 7,974 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $46,000 | 7,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,762 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $46,000 | 7,823 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,694,000 | 7,163 |
| Total interest expense | $859,000 | 7,328 |
| Net interest income | $1,835,000 | 6,891 |
| Provision for loan and lease losses | $79,000 | 6,110 |
| Total noninterest income | $692,000 | 4,367 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $279,000 | 4,401 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $413,000 | 3,645 |
| Total noninterest expense | $1,928,000 | 6,001 |
| Salaries and employee benefits | $1,125,000 | 5,732 |
| Premises and equipment expense | $338,000 | 5,198 |
| Additional noninterest expense | $465,000 | 6,712 |
| Pre-tax net operating income | $520,000 | 6,696 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $140,000 | 5,605 |
| Income before extraordinary items | $380,000 | 6,935 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $380,000 | 6,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 3,085 |
| Cash dividends | $25,000 | 6,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $380,000 | 6,810 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,155,000 | 7,091 |
| Total interest expense | $1,487,000 | 7,003 |
| Net interest income | $1,668,000 | 7,031 |
| Provision for loan and lease losses | $8,000 | 8,004 |
| Total noninterest income | $358,000 | 5,960 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $228,000 | 4,852 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $130,000 | 5,824 |
| Total noninterest expense | $1,747,000 | 6,243 |
| Salaries and employee benefits | $986,000 | 6,035 |
| Premises and equipment expense | $253,000 | 6,053 |
| Additional noninterest expense | $508,000 | 6,381 |
| Pre-tax net operating income | $271,000 | 7,542 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $71,000 | 6,391 |
| Income before extraordinary items | $200,000 | 7,735 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $200,000 | 7,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $25,000 | 6,381 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $200,000 | 7,615 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,948,000 | 7,467 |
| Total interest expense | $1,553,000 | 7,054 |
| Net interest income | $1,395,000 | 7,652 |
| Provision for loan and lease losses | $54,000 | 6,441 |
| Total noninterest income | $320,000 | 6,128 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,090 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $120,000 | 5,988 |
| Total noninterest expense | $1,542,000 | 6,635 |
| Salaries and employee benefits | $848,000 | 6,507 |
| Premises and equipment expense | $265,000 | 5,842 |
| Additional noninterest expense | $429,000 | 6,937 |
| Pre-tax net operating income | $119,000 | 8,733 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $6,000 | 8,174 |
| Income before extraordinary items | $113,000 | 8,625 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $113,000 | 8,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-43,000 | 9,584 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $113,000 | 8,618 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,969,000 | 7,416 |
| Total interest expense | $1,445,000 | 7,108 |
| Net interest income | $1,524,000 | 7,542 |
| Provision for loan and lease losses | $171,000 | 3,952 |
| Total noninterest income | $274,000 | 6,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $190,000 | 5,255 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 7,038 |
| Total noninterest expense | $1,436,000 | 6,942 |
| Salaries and employee benefits | $822,000 | 6,650 |
| Premises and equipment expense | $203,000 | 6,771 |
| Additional noninterest expense | $411,000 | 7,170 |
| Pre-tax net operating income | $191,000 | 8,624 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-9,000 | 9,665 |
| Income before extraordinary items | $200,000 | 8,311 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $200,000 | 8,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 2,858 |
| Cash dividends | $25,000 | 6,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $200,000 | 8,274 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,018,000 | 7,512 |
| Total interest expense | $1,474,000 | 7,246 |
| Net interest income | $1,544,000 | 7,587 |
| Provision for loan and lease losses | $40,000 | 6,927 |
| Total noninterest income | $246,000 | 7,057 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 5,372 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 7,734 |
| Total noninterest expense | $1,163,000 | 7,645 |
| Salaries and employee benefits | $685,000 | 7,271 |
| Premises and equipment expense | $138,000 | 7,911 |
| Additional noninterest expense | $340,000 | 7,749 |
| Pre-tax net operating income | $587,000 | 6,986 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $162,000 | 6,678 |
| Income before extraordinary items | $425,000 | 7,064 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $425,000 | 7,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,888 |
| Cash dividends | $25,000 | 7,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $425,000 | 6,969 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,530,000 | 8,337 |
| Total interest expense | $1,178,000 | 8,179 |
| Net interest income | $1,352,000 | 8,349 |
| Provision for loan and lease losses | $36,000 | 7,137 |
| Total noninterest income | $167,000 | 8,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $140,000 | 6,355 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 9,482 |
| Total noninterest expense | $1,022,000 | 8,265 |
| Salaries and employee benefits | $587,000 | 8,003 |
| Premises and equipment expense | $125,000 | 8,362 |
| Additional noninterest expense | $310,000 | 8,224 |
| Pre-tax net operating income | $461,000 | 8,136 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $128,000 | 7,946 |
| Income before extraordinary items | $333,000 | 8,127 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $333,000 | 8,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,448 |
| Cash dividends | $25,000 | 7,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $333,000 | 8,085 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,374,000 | 8,867 |
| Total interest expense | $1,112,000 | 8,658 |
| Net interest income | $1,262,000 | 8,857 |
| Provision for loan and lease losses | $36,000 | 7,135 |
| Total noninterest income | $158,000 | 8,897 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $130,000 | 6,857 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,949 |
| Total noninterest expense | $962,000 | 8,815 |
| Salaries and employee benefits | $542,000 | 8,556 |
| Premises and equipment expense | $125,000 | 8,668 |
| Additional noninterest expense | $295,000 | 8,937 |
| Pre-tax net operating income | $422,000 | 8,385 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $127,000 | 8,266 |
| Income before extraordinary items | $295,000 | 8,467 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $295,000 | 8,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 10,470 |
| Cash dividends | $25,000 | 7,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $295,000 | 8,408 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,965,000 | 9,771 |
| Total interest expense | $898,000 | 9,621 |
| Net interest income | $1,067,000 | 9,726 |
| Provision for loan and lease losses | $18,000 | 7,795 |
| Total noninterest income | $163,000 | 9,088 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 7,113 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 10,029 |
| Total noninterest expense | $910,000 | 9,322 |
| Salaries and employee benefits | $506,000 | 9,065 |
| Premises and equipment expense | $117,000 | 9,135 |
| Additional noninterest expense | $287,000 | 9,381 |
| Pre-tax net operating income | $302,000 | 9,725 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $78,000 | 9,622 |
| Income before extraordinary items | $224,000 | 9,675 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $224,000 | 9,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,571 |
| Cash dividends | $20,000 | 8,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $224,000 | 9,643 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,488,000 | 10,754 |
| Total interest expense | $554,000 | 10,834 |
| Net interest income | $934,000 | 10,619 |
| Provision for loan and lease losses | $24,000 | 7,499 |
| Total noninterest income | $136,000 | 10,003 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $115,000 | 7,712 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 11,366 |
| Total noninterest expense | $821,000 | 10,135 |
| Salaries and employee benefits | $428,000 | 10,020 |
| Premises and equipment expense | $115,000 | 9,543 |
| Additional noninterest expense | $278,000 | 10,206 |
| Pre-tax net operating income | $225,000 | 10,702 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $46,000 | 10,566 |
| Income before extraordinary items | $179,000 | 10,509 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $179,000 | 10,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $20,000 | 8,568 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $179,000 | 10,556 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,448,000 | 11,345 |
| Total interest expense | $528,000 | 11,546 |
| Net interest income | $920,000 | 11,080 |
| Provision for loan and lease losses | $24,000 | 8,778 |
| Total noninterest income | $202,000 | 9,188 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $137,000 | 7,418 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 9,306 |
| Total noninterest expense | $810,000 | 10,619 |
| Salaries and employee benefits | $418,000 | 10,462 |
| Premises and equipment expense | $119,000 | 9,813 |
| Additional noninterest expense | $273,000 | 10,786 |
| Pre-tax net operating income | $288,000 | 10,330 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $61,000 | 10,680 |
| Income before extraordinary items | $227,000 | 10,311 |
| Extraordinary gains, net | $14,000 | 2,843 |
| Net income | $241,000 | 10,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $15,000 | 8,780 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $227,000 | 10,068 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,640,000 | 11,629 |
| Total interest expense | $746,000 | 11,598 |
| Net interest income | $894,000 | 11,542 |
| Provision for loan and lease losses | $24,000 | 10,335 |
| Total noninterest income | $143,000 | 10,636 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 7,999 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 12,163 |
| Total noninterest expense | $768,000 | 11,162 |
| Salaries and employee benefits | $403,000 | 10,825 |
| Premises and equipment expense | $113,000 | 10,290 |
| Additional noninterest expense | $252,000 | 11,503 |
| Pre-tax net operating income | $245,000 | 10,650 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $40,000 | 11,529 |
| Income before extraordinary items | $205,000 | 10,524 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $205,000 | 10,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 9,043 |
| Cash dividends | $15,000 | 8,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $205,000 | 10,186 |
* 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.