Home > Bank of St. Croix, Inc. > Income and Expense
Bank of St. Croix, Inc., Income and Expense
| 2016-12-31 (YTD Data) | Rank | |
| Total interest income | $3,758,000 | 4,317 |
| Total interest expense | $251,000 | 4,706 |
| Net interest income | $3,507,000 | 4,245 |
| Provision for loan and lease losses | $0 | 4,332 |
| Total noninterest income | $716,000 | 3,556 |
| Gross Fiduciary activities income | $0 | 1,172 |
| Service charges on deposit accounts | $163,000 | 3,852 |
| Trading account gains and fees | $0 | 170 |
| Additional Noninterest Income | $553,000 | 3,112 |
| Total noninterest expense | $3,487,000 | 3,930 |
| Salaries and employee benefits | $1,635,000 | 4,229 |
| Premises and equipment expense | $449,000 | 3,573 |
| Additional noninterest expense | $1,403,000 | 3,479 |
| Pre-tax net operating income | $736,000 | 4,444 |
| Securities gains (losses) | $159,000 | 1,018 |
| Applicable income taxes | $0 | 4,278 |
| Income before extraordinary items | $895,000 | 4,040 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $895,000 | 4,038 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $895,000 | 4,039 |
| Net charge-offs | $-3,000 | 4,789 |
| Cash dividends | $0 | 4,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 759 |
| Net operating income | $736,000 | 4,245 |
| 2016-09-30 (YTD Data) | Rank | |
| Total interest income | $2,871,000 | 4,315 |
| Total interest expense | $190,000 | 4,725 |
| Net interest income | $2,681,000 | 4,228 |
| Provision for loan and lease losses | $0 | 4,186 |
| Total noninterest income | $520,000 | 3,616 |
| Gross Fiduciary activities income | $0 | 1,132 |
| Service charges on deposit accounts | $123,000 | 3,869 |
| Trading account gains and fees | $0 | 169 |
| Additional Noninterest Income | $397,000 | 3,192 |
| Total noninterest expense | $2,728,000 | 3,853 |
| Salaries and employee benefits | $1,223,000 | 4,238 |
| Premises and equipment expense | $337,000 | 3,584 |
| Additional noninterest expense | $1,168,000 | 3,281 |
| Pre-tax net operating income | $473,000 | 4,699 |
| Securities gains (losses) | $159,000 | 941 |
| Applicable income taxes | $0 | 4,325 |
| Income before extraordinary items | $632,000 | 4,177 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $632,000 | 4,176 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $632,000 | 4,177 |
| Net charge-offs | $-2,000 | 4,547 |
| Cash dividends | $0 | 3,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 719 |
| Net operating income | $473,000 | 4,502 |
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $1,978,000 | 4,290 |
| Total interest expense | $129,000 | 4,738 |
| Net interest income | $1,849,000 | 4,192 |
| Provision for loan and lease losses | $0 | 4,017 |
| Total noninterest income | $366,000 | 3,533 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $82,000 | 3,882 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $284,000 | 3,093 |
| Total noninterest expense | $1,834,000 | 3,852 |
| Salaries and employee benefits | $843,000 | 4,202 |
| Premises and equipment expense | $222,000 | 3,640 |
| Additional noninterest expense | $769,000 | 3,334 |
| Pre-tax net operating income | $381,000 | 4,497 |
| Securities gains (losses) | $158,000 | 703 |
| Applicable income taxes | $0 | 4,338 |
| Income before extraordinary items | $539,000 | 3,851 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $539,000 | 3,849 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $539,000 | 3,850 |
| Net charge-offs | $-2,000 | 4,474 |
| Cash dividends | $0 | 3,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 705 |
| Net operating income | $381,000 | 4,263 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $1,024,000 | 4,247 |
| Total interest expense | $60,000 | 4,887 |
| Net interest income | $964,000 | 4,140 |
| Provision for loan and lease losses | $0 | 3,656 |
| Total noninterest income | $159,000 | 3,724 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $42,000 | 3,837 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $117,000 | 3,311 |
| Total noninterest expense | $927,000 | 3,866 |
| Salaries and employee benefits | $452,000 | 4,095 |
| Premises and equipment expense | $113,000 | 3,632 |
| Additional noninterest expense | $362,000 | 3,464 |
| Pre-tax net operating income | $196,000 | 4,457 |
| Securities gains (losses) | $69,000 | 681 |
| Applicable income taxes | $0 | 4,259 |
| Income before extraordinary items | $265,000 | 3,828 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $265,000 | 3,825 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $265,000 | 3,826 |
| Net charge-offs | $-1,000 | 4,102 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $196,000 | 4,217 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $4,154,000 | 4,236 |
| Total interest expense | $230,000 | 4,994 |
| Net interest income | $3,924,000 | 4,107 |
| Provision for loan and lease losses | $123,000 | 2,811 |
| Total noninterest income | $515,000 | 4,131 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $163,000 | 4,035 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $352,000 | 3,765 |
| Total noninterest expense | $4,026,000 | 3,702 |
| Salaries and employee benefits | $1,856,000 | 4,067 |
| Premises and equipment expense | $465,000 | 3,616 |
| Additional noninterest expense | $1,705,000 | 3,122 |
| Pre-tax net operating income | $290,000 | 5,305 |
| Securities gains (losses) | $86,000 | 1,253 |
| Applicable income taxes | $0 | 4,402 |
| Income before extraordinary items | $376,000 | 5,072 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $376,000 | 5,076 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $376,000 | 5,076 |
| Net charge-offs | $186,000 | 2,052 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $290,000 | 5,217 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $3,113,000 | 4,281 |
| Total interest expense | $170,000 | 5,084 |
| Net interest income | $2,943,000 | 4,146 |
| Provision for loan and lease losses | $93,000 | 2,730 |
| Total noninterest income | $373,000 | 4,217 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $120,000 | 4,093 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $253,000 | 3,848 |
| Total noninterest expense | $3,081,000 | 3,679 |
| Salaries and employee benefits | $1,398,000 | 4,075 |
| Premises and equipment expense | $349,000 | 3,676 |
| Additional noninterest expense | $1,334,000 | 3,049 |
| Pre-tax net operating income | $142,000 | 5,620 |
| Securities gains (losses) | $28,000 | 1,833 |
| Applicable income taxes | $0 | 4,489 |
| Income before extraordinary items | $170,000 | 5,512 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $170,000 | 5,514 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $170,000 | 5,515 |
| Net charge-offs | $150,000 | 1,800 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $142,000 | 5,560 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $2,092,000 | 4,288 |
| Total interest expense | $112,000 | 5,156 |
| Net interest income | $1,980,000 | 4,155 |
| Provision for loan and lease losses | $93,000 | 2,308 |
| Total noninterest income | $286,000 | 4,010 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $79,000 | 4,095 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $207,000 | 3,585 |
| Total noninterest expense | $2,041,000 | 3,720 |
| Salaries and employee benefits | $919,000 | 4,133 |
| Premises and equipment expense | $237,000 | 3,661 |
| Additional noninterest expense | $885,000 | 3,086 |
| Pre-tax net operating income | $132,000 | 5,492 |
| Securities gains (losses) | $3,000 | 2,361 |
| Applicable income taxes | $0 | 4,497 |
| Income before extraordinary items | $135,000 | 5,445 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $135,000 | 5,445 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $135,000 | 5,448 |
| Net charge-offs | $100,000 | 1,732 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $132,000 | 5,409 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $1,057,000 | 4,282 |
| Total interest expense | $56,000 | 5,203 |
| Net interest income | $1,001,000 | 4,152 |
| Provision for loan and lease losses | $15,000 | 2,956 |
| Total noninterest income | $138,000 | 4,061 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $40,000 | 4,052 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $98,000 | 3,626 |
| Total noninterest expense | $984,000 | 3,830 |
| Salaries and employee benefits | $468,000 | 4,122 |
| Premises and equipment expense | $116,000 | 3,731 |
| Additional noninterest expense | $400,000 | 3,302 |
| Pre-tax net operating income | $140,000 | 4,911 |
| Securities gains (losses) | $1,000 | 1,909 |
| Applicable income taxes | $0 | 4,400 |
| Income before extraordinary items | $141,000 | 4,742 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $141,000 | 4,744 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $141,000 | 4,746 |
| Net charge-offs | $0 | 3,288 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $140,000 | 4,686 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $3,979,000 | 4,487 |
| Total interest expense | $227,000 | 5,352 |
| Net interest income | $3,752,000 | 4,329 |
| Provision for loan and lease losses | $10,000 | 4,406 |
| Total noninterest income | $253,000 | 5,179 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $160,000 | 4,280 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $93,000 | 5,299 |
| Total noninterest expense | $3,980,000 | 3,850 |
| Salaries and employee benefits | $1,865,000 | 4,136 |
| Premises and equipment expense | $493,000 | 3,674 |
| Additional noninterest expense | $1,622,000 | 3,372 |
| Pre-tax net operating income | $15,000 | 6,042 |
| Securities gains (losses) | $345,000 | 553 |
| Applicable income taxes | $0 | 4,531 |
| Income before extraordinary items | $360,000 | 5,256 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $360,000 | 5,255 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $360,000 | 5,256 |
| Net charge-offs | $10,000 | 4,571 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 847 |
| Net operating income | $15,000 | 6,061 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $2,943,000 | 4,555 |
| Total interest expense | $171,000 | 5,415 |
| Net interest income | $2,772,000 | 4,389 |
| Provision for loan and lease losses | $10,000 | 4,128 |
| Total noninterest income | $108,000 | 5,781 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $116,000 | 4,387 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $-8,000 | 6,408 |
| Total noninterest expense | $3,019,000 | 3,840 |
| Salaries and employee benefits | $1,378,000 | 4,190 |
| Premises and equipment expense | $368,000 | 3,732 |
| Additional noninterest expense | $1,273,000 | 3,258 |
| Pre-tax net operating income | $-149,000 | 6,285 |
| Securities gains (losses) | $349,000 | 430 |
| Applicable income taxes | $0 | 4,583 |
| Income before extraordinary items | $200,000 | 5,563 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $200,000 | 5,562 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $200,000 | 5,563 |
| Net charge-offs | $10,000 | 4,150 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 798 |
| Net operating income | $-149,000 | 6,296 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $1,952,000 | 4,577 |
| Total interest expense | $113,000 | 5,478 |
| Net interest income | $1,839,000 | 4,415 |
| Provision for loan and lease losses | $10,000 | 3,896 |
| Total noninterest income | $-41,000 | 6,598 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $76,000 | 4,424 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $-117,000 | 6,593 |
| Total noninterest expense | $1,998,000 | 3,877 |
| Salaries and employee benefits | $915,000 | 4,230 |
| Premises and equipment expense | $245,000 | 3,752 |
| Additional noninterest expense | $838,000 | 3,305 |
| Pre-tax net operating income | $-210,000 | 6,404 |
| Securities gains (losses) | $391,000 | 289 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $181,000 | 5,308 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $181,000 | 5,310 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $181,000 | 5,311 |
| Net charge-offs | $10,000 | 3,731 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 760 |
| Net operating income | $-210,000 | 6,411 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $975,000 | 4,626 |
| Total interest expense | $55,000 | 5,588 |
| Net interest income | $920,000 | 4,447 |
| Provision for loan and lease losses | $5,000 | 3,593 |
| Total noninterest income | $166,000 | 3,816 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $38,000 | 4,409 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $128,000 | 3,205 |
| Total noninterest expense | $995,000 | 3,915 |
| Salaries and employee benefits | $435,000 | 4,386 |
| Premises and equipment expense | $125,000 | 3,763 |
| Additional noninterest expense | $435,000 | 3,215 |
| Pre-tax net operating income | $86,000 | 5,400 |
| Securities gains (losses) | $132,000 | 358 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $218,000 | 4,103 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $218,000 | 4,103 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $218,000 | 4,105 |
| Net charge-offs | $0 | 3,660 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 699 |
| Net operating income | $86,000 | 5,266 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $3,900,000 | 4,679 |
| Total interest expense | $241,000 | 5,696 |
| Net interest income | $3,659,000 | 4,477 |
| Provision for loan and lease losses | $0 | 5,091 |
| Total noninterest income | $459,000 | 4,529 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $172,000 | 4,358 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $287,000 | 4,152 |
| Total noninterest expense | $3,797,000 | 4,040 |
| Salaries and employee benefits | $1,838,000 | 4,263 |
| Premises and equipment expense | $509,000 | 3,694 |
| Additional noninterest expense | $1,450,000 | 3,736 |
| Pre-tax net operating income | $321,000 | 5,439 |
| Securities gains (losses) | $51,000 | 1,783 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $372,000 | 5,219 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $372,000 | 5,222 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $372,000 | 5,222 |
| Net charge-offs | $84,000 | 3,918 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $321,000 | 5,314 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $2,923,000 | 4,734 |
| Total interest expense | $183,000 | 5,783 |
| Net interest income | $2,740,000 | 4,526 |
| Provision for loan and lease losses | $0 | 4,941 |
| Total noninterest income | $326,000 | 4,687 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $128,000 | 4,402 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $198,000 | 4,320 |
| Total noninterest expense | $2,765,000 | 4,132 |
| Salaries and employee benefits | $1,286,000 | 4,440 |
| Premises and equipment expense | $382,000 | 3,725 |
| Additional noninterest expense | $1,097,000 | 3,718 |
| Pre-tax net operating income | $301,000 | 5,334 |
| Securities gains (losses) | $51,000 | 1,644 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $352,000 | 5,089 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $352,000 | 5,090 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $352,000 | 5,091 |
| Net charge-offs | $84,000 | 3,418 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $301,000 | 5,165 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $1,954,000 | 4,752 |
| Total interest expense | $126,000 | 5,802 |
| Net interest income | $1,828,000 | 4,528 |
| Provision for loan and lease losses | $0 | 4,788 |
| Total noninterest income | $200,000 | 4,835 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $81,000 | 4,483 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $119,000 | 4,527 |
| Total noninterest expense | $1,854,000 | 4,140 |
| Salaries and employee benefits | $860,000 | 4,471 |
| Premises and equipment expense | $255,000 | 3,743 |
| Additional noninterest expense | $739,000 | 3,689 |
| Pre-tax net operating income | $174,000 | 5,456 |
| Securities gains (losses) | $24,000 | 1,918 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $198,000 | 5,282 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $198,000 | 5,285 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $198,000 | 5,285 |
| Net charge-offs | $0 | 4,909 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $174,000 | 5,283 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $986,000 | 4,763 |
| Total interest expense | $64,000 | 5,857 |
| Net interest income | $922,000 | 4,531 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $131,000 | 4,416 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $38,000 | 4,575 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $93,000 | 3,865 |
| Total noninterest expense | $932,000 | 4,170 |
| Salaries and employee benefits | $418,000 | 4,574 |
| Premises and equipment expense | $128,000 | 3,753 |
| Additional noninterest expense | $386,000 | 3,599 |
| Pre-tax net operating income | $121,000 | 5,109 |
| Securities gains (losses) | $23,000 | 1,213 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $144,000 | 4,797 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $144,000 | 4,798 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $144,000 | 4,799 |
| Net charge-offs | $0 | 4,145 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $121,000 | 4,906 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $4,157,000 | 4,772 |
| Total interest expense | $348,000 | 5,768 |
| Net interest income | $3,809,000 | 4,532 |
| Provision for loan and lease losses | $315,000 | 3,302 |
| Total noninterest income | $451,000 | 4,658 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $167,000 | 4,595 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $284,000 | 4,106 |
| Total noninterest expense | $3,785,000 | 4,193 |
| Salaries and employee benefits | $1,836,000 | 4,348 |
| Premises and equipment expense | $516,000 | 3,745 |
| Additional noninterest expense | $1,433,000 | 3,904 |
| Pre-tax net operating income | $160,000 | 5,774 |
| Securities gains (losses) | $13,000 | 3,311 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $173,000 | 5,856 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $173,000 | 5,855 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $173,000 | 5,856 |
| Net charge-offs | $161,000 | 3,990 |
| Cash dividends | $115,000 | 3,919 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 991 |
| Net operating income | $160,000 | 5,732 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $3,151,000 | 4,831 |
| Total interest expense | $276,000 | 5,820 |
| Net interest income | $2,875,000 | 4,593 |
| Provision for loan and lease losses | $310,000 | 2,930 |
| Total noninterest income | $148,000 | 5,786 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $168,000 | 4,101 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-20,000 | 6,766 |
| Total noninterest expense | $2,599,000 | 4,417 |
| Salaries and employee benefits | $1,249,000 | 4,603 |
| Premises and equipment expense | $411,000 | 3,657 |
| Additional noninterest expense | $939,000 | 4,272 |
| Pre-tax net operating income | $114,000 | 5,962 |
| Securities gains (losses) | $11,000 | 3,090 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $125,000 | 6,027 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $125,000 | 6,026 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $125,000 | 6,026 |
| Net charge-offs | $161,000 | 3,520 |
| Cash dividends | $115,000 | 3,239 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 943 |
| Net operating income | $114,000 | 5,921 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $2,145,000 | 4,814 |
| Total interest expense | $190,000 | 5,863 |
| Net interest income | $1,955,000 | 4,562 |
| Provision for loan and lease losses | $125,000 | 3,566 |
| Total noninterest income | $103,000 | 5,759 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $85,000 | 4,622 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $18,000 | 6,217 |
| Total noninterest expense | $1,720,000 | 4,475 |
| Salaries and employee benefits | $856,000 | 4,571 |
| Premises and equipment expense | $321,000 | 3,272 |
| Additional noninterest expense | $543,000 | 4,631 |
| Pre-tax net operating income | $213,000 | 5,230 |
| Securities gains (losses) | $11,000 | 2,698 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $224,000 | 5,195 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $224,000 | 5,195 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $224,000 | 5,195 |
| Net charge-offs | $1,000 | 5,406 |
| Cash dividends | $82,000 | 3,126 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 910 |
| Net operating income | $213,000 | 5,062 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,096,000 | 4,810 |
| Total interest expense | $95,000 | 5,962 |
| Net interest income | $1,001,000 | 4,525 |
| Provision for loan and lease losses | $60,000 | 3,447 |
| Total noninterest income | $73,000 | 5,382 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $42,000 | 4,617 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $31,000 | 5,311 |
| Total noninterest expense | $875,000 | 4,467 |
| Salaries and employee benefits | $438,000 | 4,535 |
| Premises and equipment expense | $165,000 | 3,222 |
| Additional noninterest expense | $272,000 | 4,635 |
| Pre-tax net operating income | $139,000 | 5,038 |
| Securities gains (losses) | $2,000 | 2,023 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $141,000 | 4,942 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $141,000 | 4,945 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $141,000 | 4,946 |
| Net charge-offs | $0 | 4,730 |
| Cash dividends | $26,000 | 2,587 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 833 |
| Net operating income | $139,000 | 4,812 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,547,000 | 4,801 |
| Total interest expense | $456,000 | 6,012 |
| Net interest income | $4,091,000 | 4,487 |
| Provision for loan and lease losses | $87,000 | 5,480 |
| Total noninterest income | $231,000 | 5,564 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $173,000 | 4,640 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $58,000 | 5,821 |
| Total noninterest expense | $3,583,000 | 4,431 |
| Salaries and employee benefits | $1,840,000 | 4,379 |
| Premises and equipment expense | $673,000 | 3,290 |
| Additional noninterest expense | $1,070,000 | 4,745 |
| Pre-tax net operating income | $652,000 | 4,388 |
| Securities gains (losses) | $9,000 | 3,367 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $661,000 | 4,239 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $661,000 | 4,241 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $661,000 | 4,241 |
| Net charge-offs | $41,000 | 5,579 |
| Cash dividends | $264,000 | 3,120 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,049 |
| Net operating income | $652,000 | 4,142 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,450,000 | 4,829 |
| Total interest expense | $360,000 | 6,045 |
| Net interest income | $3,090,000 | 4,490 |
| Provision for loan and lease losses | $35,000 | 5,765 |
| Total noninterest income | $139,000 | 5,926 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $129,000 | 4,664 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $10,000 | 6,640 |
| Total noninterest expense | $2,593,000 | 4,520 |
| Salaries and employee benefits | $1,247,000 | 4,677 |
| Premises and equipment expense | $507,000 | 3,315 |
| Additional noninterest expense | $839,000 | 4,649 |
| Pre-tax net operating income | $601,000 | 4,217 |
| Securities gains (losses) | $-4,000 | 6,937 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $597,000 | 4,038 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $597,000 | 4,040 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $597,000 | 4,040 |
| Net charge-offs | $41,000 | 5,112 |
| Cash dividends | $199,000 | 2,732 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,016 |
| Net operating income | $601,000 | 3,908 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,298,000 | 4,886 |
| Total interest expense | $246,000 | 6,101 |
| Net interest income | $2,052,000 | 4,511 |
| Provision for loan and lease losses | $20,000 | 5,705 |
| Total noninterest income | $166,000 | 5,139 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $82,000 | 4,746 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $84,000 | 4,816 |
| Total noninterest expense | $1,754,000 | 4,531 |
| Salaries and employee benefits | $844,000 | 4,673 |
| Premises and equipment expense | $336,000 | 3,363 |
| Additional noninterest expense | $574,000 | 4,642 |
| Pre-tax net operating income | $444,000 | 4,027 |
| Securities gains (losses) | $-11,000 | 7,087 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $433,000 | 3,842 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $433,000 | 3,843 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $433,000 | 3,844 |
| Net charge-offs | $11,000 | 5,313 |
| Cash dividends | $120,000 | 2,675 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 964 |
| Net operating income | $444,000 | 3,692 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,156,000 | 4,888 |
| Total interest expense | $122,000 | 6,204 |
| Net interest income | $1,034,000 | 4,477 |
| Provision for loan and lease losses | $10,000 | 5,371 |
| Total noninterest income | $74,000 | 5,393 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $39,000 | 4,792 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $35,000 | 5,181 |
| Total noninterest expense | $862,000 | 4,592 |
| Salaries and employee benefits | $424,000 | 4,693 |
| Premises and equipment expense | $168,000 | 3,421 |
| Additional noninterest expense | $270,000 | 4,792 |
| Pre-tax net operating income | $236,000 | 3,941 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $236,000 | 3,680 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $236,000 | 3,680 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $236,000 | 3,679 |
| Net charge-offs | $8,000 | 4,474 |
| Cash dividends | $64,000 | 2,149 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 891 |
| Net operating income | $236,000 | 3,620 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,882,000 | 4,879 |
| Total interest expense | $575,000 | 6,314 |
| Net interest income | $4,307,000 | 4,355 |
| Provision for loan and lease losses | $100,000 | 6,012 |
| Total noninterest income | $259,000 | 5,614 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $166,000 | 4,748 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $93,000 | 5,520 |
| Total noninterest expense | $3,563,000 | 4,544 |
| Salaries and employee benefits | $1,793,000 | 4,536 |
| Premises and equipment expense | $655,000 | 3,482 |
| Additional noninterest expense | $1,115,000 | 4,799 |
| Pre-tax net operating income | $903,000 | 3,565 |
| Securities gains (losses) | $148,000 | 1,838 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $1,051,000 | 3,124 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,051,000 | 3,121 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,051,000 | 3,124 |
| Net charge-offs | $110,000 | 5,341 |
| Cash dividends | $468,000 | 2,441 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,211 |
| Net operating income | $903,000 | 3,289 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,703,000 | 4,943 |
| Total interest expense | $447,000 | 6,401 |
| Net interest income | $3,256,000 | 4,393 |
| Provision for loan and lease losses | $40,000 | 6,403 |
| Total noninterest income | $356,000 | 4,746 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $124,000 | 4,824 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $232,000 | 3,948 |
| Total noninterest expense | $2,586,000 | 4,648 |
| Salaries and employee benefits | $1,229,000 | 4,835 |
| Premises and equipment expense | $490,000 | 3,537 |
| Additional noninterest expense | $867,000 | 4,696 |
| Pre-tax net operating income | $986,000 | 3,122 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $986,000 | 2,917 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $986,000 | 2,911 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $986,000 | 2,916 |
| Net charge-offs | $99,000 | 4,912 |
| Cash dividends | $339,000 | 2,217 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $986,000 | 2,779 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,503,000 | 4,948 |
| Total interest expense | $298,000 | 6,500 |
| Net interest income | $2,205,000 | 4,356 |
| Provision for loan and lease losses | $25,000 | 6,299 |
| Total noninterest income | $215,000 | 4,896 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $80,000 | 4,881 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $135,000 | 4,158 |
| Total noninterest expense | $1,732,000 | 4,653 |
| Salaries and employee benefits | $813,000 | 4,884 |
| Premises and equipment expense | $322,000 | 3,614 |
| Additional noninterest expense | $597,000 | 4,598 |
| Pre-tax net operating income | $663,000 | 3,134 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $663,000 | 2,869 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $663,000 | 2,865 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $663,000 | 2,867 |
| Net charge-offs | $16,000 | 5,608 |
| Cash dividends | $210,000 | 2,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $663,000 | 2,760 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,268,000 | 4,980 |
| Total interest expense | $152,000 | 6,587 |
| Net interest income | $1,116,000 | 4,345 |
| Provision for loan and lease losses | $15,000 | 5,865 |
| Total noninterest income | $106,000 | 4,943 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $37,000 | 5,011 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $69,000 | 4,144 |
| Total noninterest expense | $865,000 | 4,699 |
| Salaries and employee benefits | $410,000 | 4,926 |
| Premises and equipment expense | $158,000 | 3,747 |
| Additional noninterest expense | $297,000 | 4,608 |
| Pre-tax net operating income | $342,000 | 3,122 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $342,000 | 2,873 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $342,000 | 2,870 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $342,000 | 2,873 |
| Net charge-offs | $16,000 | 4,565 |
| Cash dividends | $74,000 | 2,100 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $342,000 | 2,762 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,369,000 | 4,929 |
| Total interest expense | $626,000 | 6,863 |
| Net interest income | $4,743,000 | 4,078 |
| Provision for loan and lease losses | $170,000 | 5,951 |
| Total noninterest income | $383,000 | 5,195 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $170,000 | 4,930 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $213,000 | 4,535 |
| Total noninterest expense | $3,627,000 | 4,609 |
| Salaries and employee benefits | $1,806,000 | 4,664 |
| Premises and equipment expense | $747,000 | 3,296 |
| Additional noninterest expense | $1,074,000 | 5,041 |
| Pre-tax net operating income | $1,329,000 | 2,540 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $1,329,000 | 2,312 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,329,000 | 2,308 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,329,000 | 2,310 |
| Net charge-offs | $118,000 | 5,546 |
| Cash dividends | $1,213,000 | 1,408 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 1,199 |
| Net operating income | $1,329,000 | 2,273 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,063,000 | 4,970 |
| Total interest expense | $466,000 | 6,988 |
| Net interest income | $3,597,000 | 4,054 |
| Provision for loan and lease losses | $170,000 | 5,371 |
| Total noninterest income | $275,000 | 5,357 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $124,000 | 5,016 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $151,000 | 4,750 |
| Total noninterest expense | $2,557,000 | 4,812 |
| Salaries and employee benefits | $1,261,000 | 4,884 |
| Premises and equipment expense | $533,000 | 3,457 |
| Additional noninterest expense | $763,000 | 5,188 |
| Pre-tax net operating income | $1,145,000 | 2,499 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $1,145,000 | 2,252 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,145,000 | 2,249 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,145,000 | 2,252 |
| Net charge-offs | $118,000 | 4,907 |
| Cash dividends | $1,092,000 | 1,169 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 1,185 |
| Net operating income | $1,145,000 | 2,212 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,754,000 | 4,962 |
| Total interest expense | $311,000 | 7,089 |
| Net interest income | $2,443,000 | 3,995 |
| Provision for loan and lease losses | $50,000 | 6,064 |
| Total noninterest income | $147,000 | 5,749 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $80,000 | 5,062 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $67,000 | 5,424 |
| Total noninterest expense | $1,713,000 | 4,837 |
| Salaries and employee benefits | $850,000 | 4,911 |
| Premises and equipment expense | $353,000 | 3,512 |
| Additional noninterest expense | $510,000 | 5,193 |
| Pre-tax net operating income | $827,000 | 2,459 |
| Securities gains (losses) | $19,000 | 2,345 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $846,000 | 2,149 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $846,000 | 2,147 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $846,000 | 2,148 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $945,000 | 981 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 1,112 |
| Net operating income | $827,000 | 2,123 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,384,000 | 4,985 |
| Total interest expense | $160,000 | 7,143 |
| Net interest income | $1,224,000 | 4,005 |
| Provision for loan and lease losses | $30,000 | 5,394 |
| Total noninterest income | $90,000 | 5,386 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $40,000 | 5,014 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $50,000 | 4,842 |
| Total noninterest expense | $806,000 | 4,932 |
| Salaries and employee benefits | $427,000 | 4,941 |
| Premises and equipment expense | $118,000 | 4,670 |
| Additional noninterest expense | $261,000 | 4,823 |
| Pre-tax net operating income | $478,000 | 2,464 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $478,000 | 2,221 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $478,000 | 2,222 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $478,000 | 2,223 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 915 |
| Net operating income | $478,000 | 2,086 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,719,000 | 5,070 |
| Total interest expense | $896,000 | 6,962 |
| Net interest income | $4,823,000 | 4,048 |
| Provision for loan and lease losses | $30,000 | 6,834 |
| Total noninterest income | $382,000 | 5,363 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $196,000 | 4,828 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $186,000 | 4,959 |
| Total noninterest expense | $3,340,000 | 4,783 |
| Salaries and employee benefits | $1,731,000 | 4,909 |
| Premises and equipment expense | $538,000 | 4,268 |
| Additional noninterest expense | $1,071,000 | 4,621 |
| Pre-tax net operating income | $1,835,000 | 2,630 |
| Securities gains (losses) | $243,000 | 635 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $2,078,000 | 1,918 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,078,000 | 1,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,039 |
| Cash dividends | $958,000 | 2,389 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 1,231 |
| Net operating income | $1,835,000 | 2,279 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,314,000 | 5,137 |
| Total interest expense | $696,000 | 7,019 |
| Net interest income | $3,618,000 | 4,065 |
| Provision for loan and lease losses | $20,000 | 6,492 |
| Total noninterest income | $297,000 | 5,389 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $146,000 | 4,884 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $151,000 | 4,942 |
| Total noninterest expense | $2,268,000 | 5,079 |
| Salaries and employee benefits | $1,103,000 | 5,405 |
| Premises and equipment expense | $302,000 | 5,094 |
| Additional noninterest expense | $863,000 | 4,333 |
| Pre-tax net operating income | $1,627,000 | 2,676 |
| Securities gains (losses) | $243,000 | 543 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $1,870,000 | 1,891 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,870,000 | 1,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $958,000 | 1,883 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 1,123 |
| Net operating income | $1,627,000 | 2,275 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,863,000 | 5,220 |
| Total interest expense | $477,000 | 7,090 |
| Net interest income | $2,386,000 | 4,094 |
| Provision for loan and lease losses | $15,000 | 6,116 |
| Total noninterest income | $167,000 | 5,792 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $95,000 | 4,924 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $72,000 | 5,593 |
| Total noninterest expense | $1,471,000 | 5,193 |
| Salaries and employee benefits | $715,000 | 5,539 |
| Premises and equipment expense | $351,000 | 3,541 |
| Additional noninterest expense | $405,000 | 5,383 |
| Pre-tax net operating income | $1,067,000 | 2,810 |
| Securities gains (losses) | $197,000 | 620 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $1,264,000 | 2,090 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,264,000 | 2,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $958,000 | 1,481 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 991 |
| Net operating income | $1,067,000 | 2,388 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,430,000 | 5,332 |
| Total interest expense | $240,000 | 7,204 |
| Net interest income | $1,190,000 | 4,127 |
| Provision for loan and lease losses | $5,000 | 5,755 |
| Total noninterest income | $80,000 | 5,866 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $47,000 | 4,917 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $33,000 | 5,761 |
| Total noninterest expense | $711,000 | 5,315 |
| Salaries and employee benefits | $344,000 | 5,683 |
| Premises and equipment expense | $178,000 | 3,523 |
| Additional noninterest expense | $189,000 | 5,526 |
| Pre-tax net operating income | $554,000 | 2,868 |
| Securities gains (losses) | $152,000 | 537 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $706,000 | 2,019 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $706,000 | 2,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 771 |
| Net operating income | $554,000 | 2,401 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,985,000 | 5,235 |
| Total interest expense | $1,064,000 | 7,064 |
| Net interest income | $4,921,000 | 4,054 |
| Provision for loan and lease losses | $55,000 | 5,599 |
| Total noninterest income | $301,000 | 6,020 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $173,000 | 5,173 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $128,000 | 5,841 |
| Total noninterest expense | $2,768,000 | 5,268 |
| Salaries and employee benefits | $1,603,000 | 5,096 |
| Premises and equipment expense | $437,000 | 4,768 |
| Additional noninterest expense | $728,000 | 5,634 |
| Pre-tax net operating income | $2,399,000 | 2,922 |
| Securities gains (losses) | $-12,000 | 7,599 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $2,387,000 | 2,471 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,387,000 | 2,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,483 |
| Cash dividends | $1,928,000 | 1,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,399,000 | 2,457 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,502,000 | 5,243 |
| Total interest expense | $807,000 | 7,072 |
| Net interest income | $3,695,000 | 4,054 |
| Provision for loan and lease losses | $45,000 | 5,124 |
| Total noninterest income | $211,000 | 6,194 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $124,000 | 5,280 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $87,000 | 6,033 |
| Total noninterest expense | $1,719,000 | 5,818 |
| Salaries and employee benefits | $966,000 | 5,745 |
| Premises and equipment expense | $265,000 | 5,366 |
| Additional noninterest expense | $488,000 | 5,876 |
| Pre-tax net operating income | $2,142,000 | 2,712 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $2,142,000 | 2,251 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,142,000 | 2,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $1,928,000 | 1,265 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,142,000 | 2,236 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,921,000 | 5,352 |
| Total interest expense | $533,000 | 7,125 |
| Net interest income | $2,388,000 | 4,180 |
| Provision for loan and lease losses | $30,000 | 4,873 |
| Total noninterest income | $144,000 | 6,203 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $82,000 | 5,310 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $62,000 | 5,942 |
| Total noninterest expense | $1,123,000 | 5,916 |
| Salaries and employee benefits | $643,000 | 5,800 |
| Premises and equipment expense | $166,000 | 5,569 |
| Additional noninterest expense | $314,000 | 5,994 |
| Pre-tax net operating income | $1,379,000 | 2,827 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $1,379,000 | 2,358 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,379,000 | 2,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $1,928,000 | 932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,379,000 | 2,341 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,464,000 | 5,339 |
| Total interest expense | $269,000 | 7,122 |
| Net interest income | $1,195,000 | 4,174 |
| Provision for loan and lease losses | $15,000 | 4,592 |
| Total noninterest income | $74,000 | 6,121 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $40,000 | 5,312 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $34,000 | 5,782 |
| Total noninterest expense | $538,000 | 6,087 |
| Salaries and employee benefits | $302,000 | 6,028 |
| Premises and equipment expense | $84,000 | 5,553 |
| Additional noninterest expense | $152,000 | 6,088 |
| Pre-tax net operating income | $716,000 | 2,754 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $716,000 | 2,271 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $716,000 | 2,271 |
| 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 | $716,000 | 2,250 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,747,000 | 5,153 |
| Total interest expense | $1,027,000 | 6,893 |
| Net interest income | $4,720,000 | 4,190 |
| Provision for loan and lease losses | $37,000 | 5,861 |
| Total noninterest income | $253,000 | 6,507 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $146,000 | 5,576 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $107,000 | 6,215 |
| Total noninterest expense | $2,509,000 | 5,472 |
| Salaries and employee benefits | $1,550,000 | 5,082 |
| Premises and equipment expense | $344,000 | 5,379 |
| Additional noninterest expense | $615,000 | 5,996 |
| Pre-tax net operating income | $2,427,000 | 3,191 |
| Securities gains (losses) | $-15,000 | 7,443 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $2,412,000 | 2,690 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,412,000 | 2,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $1,853,000 | 1,648 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,153 |
| Net operating income | $2,427,000 | 2,661 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,283,000 | 5,158 |
| Total interest expense | $739,000 | 6,948 |
| Net interest income | $3,544,000 | 4,203 |
| Provision for loan and lease losses | $20,000 | 5,975 |
| Total noninterest income | $192,000 | 6,532 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $109,000 | 5,651 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $83,000 | 6,169 |
| Total noninterest expense | $1,662,000 | 5,836 |
| Salaries and employee benefits | $954,000 | 5,690 |
| Premises and equipment expense | $253,000 | 5,442 |
| Additional noninterest expense | $455,000 | 6,037 |
| Pre-tax net operating income | $2,054,000 | 3,043 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $2,054,000 | 2,507 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,054,000 | 2,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $1,852,000 | 1,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,054,000 | 2,495 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,770,000 | 5,221 |
| Total interest expense | $465,000 | 6,995 |
| Net interest income | $2,305,000 | 4,287 |
| Provision for loan and lease losses | $10,000 | 5,986 |
| Total noninterest income | $129,000 | 6,527 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $71,000 | 5,690 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $58,000 | 6,139 |
| Total noninterest expense | $1,133,000 | 5,789 |
| Salaries and employee benefits | $668,000 | 5,574 |
| Premises and equipment expense | $163,000 | 5,551 |
| Additional noninterest expense | $302,000 | 6,066 |
| Pre-tax net operating income | $1,291,000 | 3,195 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $1,291,000 | 2,631 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,291,000 | 2,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $1,853,000 | 885 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,291,000 | 2,618 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,333,000 | 5,287 |
| Total interest expense | $211,000 | 7,132 |
| Net interest income | $1,122,000 | 4,368 |
| Provision for loan and lease losses | $10,000 | 5,231 |
| Total noninterest income | $55,000 | 6,782 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $27,000 | 6,103 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $28,000 | 6,187 |
| Total noninterest expense | $584,000 | 5,708 |
| Salaries and employee benefits | $363,000 | 5,328 |
| Premises and equipment expense | $78,000 | 5,692 |
| Additional noninterest expense | $143,000 | 6,200 |
| Pre-tax net operating income | $583,000 | 3,377 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $583,000 | 2,803 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $583,000 | 2,802 |
| 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 | $583,000 | 2,790 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,752,000 | 5,325 |
| Total interest expense | $633,000 | 7,235 |
| Net interest income | $4,119,000 | 4,532 |
| Provision for loan and lease losses | $57,000 | 5,617 |
| Total noninterest income | $210,000 | 6,991 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $111,000 | 6,128 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $99,000 | 6,420 |
| Total noninterest expense | $2,240,000 | 5,721 |
| Salaries and employee benefits | $1,309,000 | 5,509 |
| Premises and equipment expense | $340,000 | 5,373 |
| Additional noninterest expense | $591,000 | 6,114 |
| Pre-tax net operating income | $2,032,000 | 3,648 |
| Securities gains (losses) | $-45,000 | 8,141 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,987,000 | 3,111 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,987,000 | 3,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $628,000 | 3,262 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 853 |
| Net operating income | $2,032,000 | 3,027 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,438,000 | 5,397 |
| Total interest expense | $444,000 | 7,304 |
| Net interest income | $2,994,000 | 4,649 |
| Provision for loan and lease losses | $32,000 | 5,761 |
| Total noninterest income | $159,000 | 6,996 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $78,000 | 6,278 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $81,000 | 6,299 |
| Total noninterest expense | $1,512,000 | 6,047 |
| Salaries and employee benefits | $802,000 | 6,124 |
| Premises and equipment expense | $252,000 | 5,413 |
| Additional noninterest expense | $458,000 | 5,962 |
| Pre-tax net operating income | $1,609,000 | 3,566 |
| Securities gains (losses) | $-45,000 | 8,443 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $1,564,000 | 3,027 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,564,000 | 3,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $628,000 | 2,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,609,000 | 2,926 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,245,000 | 5,397 |
| Total interest expense | $277,000 | 7,335 |
| Net interest income | $1,968,000 | 4,678 |
| Provision for loan and lease losses | $15,000 | 5,851 |
| Total noninterest income | $108,000 | 6,946 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $50,000 | 6,311 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $58,000 | 6,178 |
| Total noninterest expense | $1,001,000 | 6,064 |
| Salaries and employee benefits | $529,000 | 6,173 |
| Premises and equipment expense | $165,000 | 5,436 |
| Additional noninterest expense | $307,000 | 5,936 |
| Pre-tax net operating income | $1,060,000 | 3,569 |
| Securities gains (losses) | $-45,000 | 8,567 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $1,015,000 | 3,054 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,015,000 | 3,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,060,000 | 2,919 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,091,000 | 5,469 |
| Total interest expense | $125,000 | 7,496 |
| Net interest income | $966,000 | 4,723 |
| Provision for loan and lease losses | $10,000 | 5,373 |
| Total noninterest income | $57,000 | 6,849 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $26,000 | 6,203 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $31,000 | 6,124 |
| Total noninterest expense | $497,000 | 6,122 |
| Salaries and employee benefits | $256,000 | 6,297 |
| Premises and equipment expense | $84,000 | 5,420 |
| Additional noninterest expense | $157,000 | 5,849 |
| Pre-tax net operating income | $516,000 | 3,590 |
| Securities gains (losses) | $-45,000 | 8,774 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $471,000 | 3,186 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $471,000 | 3,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $516,000 | 2,937 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,908,000 | 5,622 |
| Total interest expense | $495,000 | 7,321 |
| Net interest income | $3,413,000 | 4,989 |
| Provision for loan and lease losses | $87,000 | 5,241 |
| Total noninterest income | $170,000 | 7,430 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $110,000 | 6,327 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $60,000 | 7,192 |
| Total noninterest expense | $1,956,000 | 6,071 |
| Salaries and employee benefits | $1,084,000 | 6,026 |
| Premises and equipment expense | $309,000 | 5,595 |
| Additional noninterest expense | $563,000 | 6,191 |
| Pre-tax net operating income | $1,540,000 | 4,179 |
| Securities gains (losses) | $-35,000 | 8,520 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $1,505,000 | 3,631 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,505,000 | 3,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $265,000 | 4,532 |
| Sale, conversion, retirement of capital stock, net | $152,000 | 605 |
| Net operating income | $1,540,000 | 3,508 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,852,000 | 5,699 |
| Total interest expense | $371,000 | 7,341 |
| Net interest income | $2,481,000 | 5,085 |
| Provision for loan and lease losses | $72,000 | 4,871 |
| Total noninterest income | $131,000 | 7,425 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $79,000 | 6,439 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $52,000 | 7,008 |
| Total noninterest expense | $1,254,000 | 6,551 |
| Salaries and employee benefits | $674,000 | 6,570 |
| Premises and equipment expense | $215,000 | 5,770 |
| Additional noninterest expense | $365,000 | 6,598 |
| Pre-tax net operating income | $1,286,000 | 3,985 |
| Securities gains (losses) | $-38,000 | 8,765 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $1,248,000 | 3,447 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,248,000 | 3,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $265,000 | 3,620 |
| Sale, conversion, retirement of capital stock, net | $76,000 | 544 |
| Net operating income | $1,286,000 | 3,287 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,818,000 | 5,856 |
| Total interest expense | $245,000 | 7,422 |
| Net interest income | $1,573,000 | 5,262 |
| Provision for loan and lease losses | $52,000 | 4,649 |
| Total noninterest income | $86,000 | 7,484 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $50,000 | 6,543 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $36,000 | 6,981 |
| Total noninterest expense | $803,000 | 6,701 |
| Salaries and employee benefits | $446,000 | 6,636 |
| Premises and equipment expense | $134,000 | 6,006 |
| Additional noninterest expense | $223,000 | 6,873 |
| Pre-tax net operating income | $804,000 | 4,094 |
| Securities gains (losses) | $-31,000 | 8,860 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $773,000 | 3,612 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $773,000 | 3,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $76,000 | 433 |
| Net operating income | $804,000 | 3,430 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $841,000 | 6,116 |
| Total interest expense | $124,000 | 7,456 |
| Net interest income | $717,000 | 5,544 |
| Provision for loan and lease losses | $27,000 | 4,453 |
| Total noninterest income | $48,000 | 7,273 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $24,000 | 6,539 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $24,000 | 6,514 |
| Total noninterest expense | $385,000 | 6,865 |
| Salaries and employee benefits | $216,000 | 6,777 |
| Premises and equipment expense | $63,000 | 6,196 |
| Additional noninterest expense | $106,000 | 6,996 |
| Pre-tax net operating income | $353,000 | 4,415 |
| Securities gains (losses) | $-23,000 | 8,989 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $330,000 | 4,015 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $330,000 | 4,014 |
| 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 | $76,000 | 275 |
| Net operating income | $353,000 | 3,708 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,746,000 | 6,797 |
| Total interest expense | $461,000 | 7,893 |
| Net interest income | $2,285,000 | 6,208 |
| Provision for loan and lease losses | $66,000 | 5,889 |
| Total noninterest income | $163,000 | 7,680 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $89,000 | 6,730 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $74,000 | 6,997 |
| Total noninterest expense | $1,406,000 | 7,060 |
| Salaries and employee benefits | $796,000 | 6,927 |
| Premises and equipment expense | $219,000 | 6,546 |
| Additional noninterest expense | $391,000 | 7,218 |
| Pre-tax net operating income | $976,000 | 5,242 |
| Securities gains (losses) | $81,000 | 2,082 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $1,057,000 | 4,482 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,057,000 | 4,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $282,000 | 4,475 |
| Sale, conversion, retirement of capital stock, net | $570,000 | 475 |
| Net operating income | $976,000 | 4,540 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,976,000 | 6,986 |
| Total interest expense | $355,000 | 7,989 |
| Net interest income | $1,621,000 | 6,404 |
| Provision for loan and lease losses | $41,000 | 6,075 |
| Total noninterest income | $119,000 | 7,779 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $63,000 | 6,886 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $56,000 | 7,052 |
| Total noninterest expense | $939,000 | 7,345 |
| Salaries and employee benefits | $492,000 | 7,429 |
| Premises and equipment expense | $155,000 | 6,699 |
| Additional noninterest expense | $292,000 | 7,214 |
| Pre-tax net operating income | $760,000 | 5,291 |
| Securities gains (losses) | $81,000 | 1,929 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $841,000 | 4,463 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $841,000 | 4,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 695 |
| Net operating income | $760,000 | 4,561 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,280,000 | 7,104 |
| Total interest expense | $251,000 | 8,006 |
| Net interest income | $1,029,000 | 6,559 |
| Provision for loan and lease losses | $26,000 | 6,061 |
| Total noninterest income | $78,000 | 7,809 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $41,000 | 6,904 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $37,000 | 7,072 |
| Total noninterest expense | $607,000 | 7,457 |
| Salaries and employee benefits | $321,000 | 7,504 |
| Premises and equipment expense | $95,000 | 6,893 |
| Additional noninterest expense | $191,000 | 7,263 |
| Pre-tax net operating income | $474,000 | 5,451 |
| Securities gains (losses) | $83,000 | 1,647 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $557,000 | 4,505 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $557,000 | 4,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 563 |
| Net operating income | $474,000 | 4,728 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $607,000 | 7,281 |
| Total interest expense | $122,000 | 8,147 |
| Net interest income | $485,000 | 6,737 |
| Provision for loan and lease losses | $13,000 | 5,878 |
| Total noninterest income | $36,000 | 7,906 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $19,000 | 6,970 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $17,000 | 7,158 |
| Total noninterest expense | $307,000 | 7,455 |
| Salaries and employee benefits | $166,000 | 7,463 |
| Premises and equipment expense | $44,000 | 7,119 |
| Additional noninterest expense | $97,000 | 7,224 |
| Pre-tax net operating income | $201,000 | 5,830 |
| Securities gains (losses) | $65,000 | 1,236 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $266,000 | 4,566 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $266,000 | 4,566 |
| 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 | $4,000 | 385 |
| Net operating income | $201,000 | 5,130 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,130,000 | 7,714 |
| Total interest expense | $457,000 | 8,506 |
| Net interest income | $1,673,000 | 7,155 |
| Provision for loan and lease losses | $37,000 | 7,001 |
| Total noninterest income | $144,000 | 7,905 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $80,000 | 6,939 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $64,000 | 7,231 |
| Total noninterest expense | $1,187,000 | 7,494 |
| Salaries and employee benefits | $624,000 | 7,611 |
| Premises and equipment expense | $188,000 | 6,919 |
| Additional noninterest expense | $375,000 | 7,315 |
| Pre-tax net operating income | $593,000 | 6,444 |
| Securities gains (losses) | $21,000 | 3,108 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $614,000 | 5,905 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $614,000 | 5,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,876 |
| Cash dividends | $250,000 | 4,584 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 688 |
| Net operating income | $593,000 | 5,852 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,011,000 | 8,202 |
| Total interest expense | $566,000 | 8,892 |
| Net interest income | $1,445,000 | 7,426 |
| Provision for loan and lease losses | $25,000 | 7,375 |
| Total noninterest income | $123,000 | 8,196 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $72,000 | 7,129 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $51,000 | 7,655 |
| Total noninterest expense | $1,071,000 | 7,779 |
| Salaries and employee benefits | $598,000 | 7,684 |
| Premises and equipment expense | $184,000 | 7,014 |
| Additional noninterest expense | $289,000 | 7,943 |
| Pre-tax net operating income | $472,000 | 6,668 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $472,000 | 6,207 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $472,000 | 6,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $207,000 | 4,954 |
| Sale, conversion, retirement of capital stock, net | $59,000 | 717 |
| Net operating income | $472,000 | 6,083 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,080,000 | 8,321 |
| Total interest expense | $570,000 | 9,108 |
| Net interest income | $1,510,000 | 7,455 |
| Provision for loan and lease losses | $37,000 | 6,967 |
| Total noninterest income | $96,000 | 8,646 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 7,255 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 8,576 |
| Total noninterest expense | $1,050,000 | 7,873 |
| Salaries and employee benefits | $611,000 | 7,637 |
| Premises and equipment expense | $183,000 | 7,030 |
| Additional noninterest expense | $256,000 | 8,296 |
| Pre-tax net operating income | $519,000 | 6,912 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $519,000 | 6,222 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $519,000 | 6,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $112,000 | 5,841 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 762 |
| Net operating income | $519,000 | 6,233 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,731,000 | 8,793 |
| Total interest expense | $498,000 | 9,446 |
| Net interest income | $1,233,000 | 8,126 |
| Provision for loan and lease losses | $39,000 | 6,933 |
| Total noninterest income | $102,000 | 8,791 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 7,449 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 8,584 |
| Total noninterest expense | $987,000 | 8,166 |
| Salaries and employee benefits | $537,000 | 8,119 |
| Premises and equipment expense | $183,000 | 7,076 |
| Additional noninterest expense | $267,000 | 8,402 |
| Pre-tax net operating income | $309,000 | 8,044 |
| Securities gains (losses) | $34,000 | 1,140 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $343,000 | 7,334 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $343,000 | 7,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,085 |
| Cash dividends | $162,000 | 5,521 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 836 |
| Net operating income | $309,000 | 7,515 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,734,000 | 9,018 |
| Total interest expense | $528,000 | 9,629 |
| Net interest income | $1,206,000 | 8,318 |
| Provision for loan and lease losses | $54,000 | 6,469 |
| Total noninterest income | $100,000 | 9,029 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 7,611 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 8,867 |
| Total noninterest expense | $903,000 | 8,421 |
| Salaries and employee benefits | $522,000 | 8,222 |
| Premises and equipment expense | $163,000 | 7,375 |
| Additional noninterest expense | $218,000 | 8,920 |
| Pre-tax net operating income | $349,000 | 8,143 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $349,000 | 7,538 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $349,000 | 7,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $95,000 | 6,355 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 846 |
| Net operating income | $349,000 | 7,456 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,413,000 | 9,791 |
| Total interest expense | $435,000 | 10,253 |
| Net interest income | $978,000 | 9,243 |
| Provision for loan and lease losses | $62,000 | 6,121 |
| Total noninterest income | $88,000 | 9,629 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $55,000 | 8,290 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 9,193 |
| Total noninterest expense | $845,000 | 8,872 |
| Salaries and employee benefits | $475,000 | 8,786 |
| Premises and equipment expense | $168,000 | 7,420 |
| Additional noninterest expense | $202,000 | 9,391 |
| Pre-tax net operating income | $159,000 | 9,796 |
| Securities gains (losses) | $8,000 | 2,485 |
| Applicable income taxes | $21,000 | 9,704 |
| Income before extraordinary items | $146,000 | 9,620 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $146,000 | 9,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,835 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 888 |
| Net operating income | $139,040 | 9,640 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,184,000 | 10,541 |
| Total interest expense | $361,000 | 10,961 |
| Net interest income | $823,000 | 10,051 |
| Provision for loan and lease losses | $42,000 | 6,906 |
| Total noninterest income | $58,000 | 10,719 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 9,247 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 10,237 |
| Total noninterest expense | $727,000 | 9,715 |
| Salaries and employee benefits | $426,000 | 9,420 |
| Premises and equipment expense | $142,000 | 8,248 |
| Additional noninterest expense | $159,000 | 10,453 |
| Pre-tax net operating income | $112,000 | 10,308 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $5,000 | 10,459 |
| Income before extraordinary items | $107,000 | 10,161 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $107,000 | 10,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 935 |
| Net operating income | $107,000 | 10,108 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $608,000 | 11,711 |
| Total interest expense | $143,000 | 11,820 |
| Net interest income | $465,000 | 11,485 |
| Provision for loan and lease losses | $9,000 | 8,431 |
| Total noninterest income | $23,000 | 11,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 10,169 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 11,383 |
| Total noninterest expense | $539,000 | 10,846 |
| Salaries and employee benefits | $293,000 | 10,811 |
| Premises and equipment expense | $112,000 | 9,254 |
| Additional noninterest expense | $134,000 | 11,263 |
| Pre-tax net operating income | $-60,000 | 11,572 |
| Securities gains (losses) | $5,000 | 2,809 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-55,000 | 11,568 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-55,000 | 11,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $2,290,000 | 194 |
| Net operating income | $-60,000 | 11,553 |
* 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.