Home > Bank of the Commonwealth > Income and Expense
Bank of the Commonwealth, Income and Expense
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $23,663,000 | 602 |
| Total interest expense | $11,062,000 | 279 |
| Net interest income | $12,601,000 | 880 |
| Provision for loan and lease losses | $27,505,000 | 110 |
| Total noninterest income | $-956,000 | 7,451 |
| Gross Fiduciary activities income | $161,000 | 647 |
| Service charges on deposit accounts | $431,000 | 1,666 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-1,548,000 | 7,466 |
| Total noninterest expense | $17,145,000 | 591 |
| Salaries and employee benefits | $5,041,000 | 979 |
| Premises and equipment expense | $2,818,000 | 467 |
| Additional noninterest expense | $9,286,000 | 424 |
| Pre-tax net operating income | $-33,005,000 | 7,501 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-261,000 | 7,249 |
| Income before extraordinary items | $-32,744,000 | 7,493 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-32,752,000 | 7,491 |
| Minority interest net income | $8,000 | 79 |
| Net income of bank and minority interests. | $-32,744,000 | 7,492 |
| Net charge-offs | $46,910,000 | 88 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-32,744,000 | 7,493 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $12,130,000 | 591 |
| Total interest expense | $5,773,000 | 280 |
| Net interest income | $6,357,000 | 866 |
| Provision for loan and lease losses | $4,999,000 | 242 |
| Total noninterest income | $-75,000 | 7,417 |
| Gross Fiduciary activities income | $76,000 | 662 |
| Service charges on deposit accounts | $218,000 | 1,621 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-369,000 | 7,487 |
| Total noninterest expense | $7,920,000 | 648 |
| Salaries and employee benefits | $2,541,000 | 981 |
| Premises and equipment expense | $1,419,000 | 472 |
| Additional noninterest expense | $3,960,000 | 473 |
| Pre-tax net operating income | $-6,637,000 | 7,522 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $3,000 | 4,206 |
| Income before extraordinary items | $-6,640,000 | 7,515 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-6,645,000 | 7,515 |
| Minority interest net income | $5,000 | 78 |
| Net income of bank and minority interests. | $-6,640,000 | 7,515 |
| Net charge-offs | $22,315,000 | 91 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-6,640,000 | 7,516 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $62,491,000 | 474 |
| Total interest expense | $27,447,000 | 286 |
| Net interest income | $35,044,000 | 618 |
| Provision for loan and lease losses | $52,513,000 | 174 |
| Total noninterest income | $2,109,000 | 2,008 |
| Gross Fiduciary activities income | $292,000 | 676 |
| Service charges on deposit accounts | $1,099,000 | 1,387 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $718,000 | 2,654 |
| Total noninterest expense | $26,585,000 | 746 |
| Salaries and employee benefits | $7,816,000 | 1,259 |
| Premises and equipment expense | $5,823,000 | 448 |
| Additional noninterest expense | $12,946,000 | 585 |
| Pre-tax net operating income | $-41,945,000 | 7,591 |
| Securities gains (losses) | $2,000 | 3,620 |
| Applicable income taxes | $8,456,000 | 249 |
| Income before extraordinary items | $-50,399,000 | 7,604 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-50,410,000 | 7,604 |
| Minority interest net income | $11,000 | 99 |
| Net income of bank and minority interests. | $-50,399,000 | 7,604 |
| Net charge-offs | $19,245,000 | 347 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-50,401,000 | 7,601 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $48,714,000 | 458 |
| Total interest expense | $21,127,000 | 285 |
| Net interest income | $27,587,000 | 586 |
| Provision for loan and lease losses | $30,010,000 | 205 |
| Total noninterest income | $2,523,000 | 1,420 |
| Gross Fiduciary activities income | $215,000 | 670 |
| Service charges on deposit accounts | $831,000 | 1,411 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,477,000 | 1,356 |
| Total noninterest expense | $18,631,000 | 790 |
| Salaries and employee benefits | $5,349,000 | 1,382 |
| Premises and equipment expense | $4,386,000 | 447 |
| Additional noninterest expense | $8,896,000 | 614 |
| Pre-tax net operating income | $-18,531,000 | 7,649 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-6,457,000 | 7,712 |
| Income before extraordinary items | $-12,074,000 | 7,607 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-12,115,000 | 7,609 |
| Minority interest net income | $41,000 | 77 |
| Net income of bank and minority interests. | $-12,074,000 | 7,607 |
| Net charge-offs | $14,501,000 | 332 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-12,074,000 | 7,607 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $29,908,000 | 501 |
| Total interest expense | $14,357,000 | 290 |
| Net interest income | $15,551,000 | 696 |
| Provision for loan and lease losses | $10,007,000 | 360 |
| Total noninterest income | $811,000 | 2,356 |
| Gross Fiduciary activities income | $147,000 | 665 |
| Service charges on deposit accounts | $550,000 | 1,429 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $114,000 | 4,418 |
| Total noninterest expense | $10,939,000 | 910 |
| Salaries and employee benefits | $2,931,000 | 1,689 |
| Premises and equipment expense | $2,921,000 | 442 |
| Additional noninterest expense | $5,087,000 | 718 |
| Pre-tax net operating income | $-4,584,000 | 7,531 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-1,605,000 | 7,676 |
| Income before extraordinary items | $-2,979,000 | 7,442 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,013,000 | 7,448 |
| Minority interest net income | $34,000 | 68 |
| Net income of bank and minority interests. | $-2,979,000 | 7,442 |
| Net charge-offs | $4,015,000 | 665 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-2,979,000 | 7,436 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $14,935,000 | 516 |
| Total interest expense | $7,327,000 | 308 |
| Net interest income | $7,608,000 | 723 |
| Provision for loan and lease losses | $4,998,000 | 381 |
| Total noninterest income | $612,000 | 1,757 |
| Gross Fiduciary activities income | $71,000 | 686 |
| Service charges on deposit accounts | $281,000 | 1,395 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $260,000 | 2,014 |
| Total noninterest expense | $4,278,000 | 1,176 |
| Salaries and employee benefits | $483,000 | 4,448 |
| Premises and equipment expense | $1,481,000 | 453 |
| Additional noninterest expense | $2,314,000 | 780 |
| Pre-tax net operating income | $-1,056,000 | 7,428 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-370,000 | 7,667 |
| Income before extraordinary items | $-686,000 | 7,363 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-691,000 | 7,365 |
| Minority interest net income | $5,000 | 77 |
| Net income of bank and minority interests. | $-686,000 | 7,364 |
| Net charge-offs | $1,626,000 | 748 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-686,000 | 7,339 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $65,886,000 | 493 |
| Total interest expense | $28,489,000 | 395 |
| Net interest income | $37,397,000 | 576 |
| Provision for loan and lease losses | $53,925,000 | 221 |
| Total noninterest income | $3,525,000 | 1,434 |
| Gross Fiduciary activities income | $317,000 | 656 |
| Service charges on deposit accounts | $1,303,000 | 1,326 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,905,000 | 1,422 |
| Total noninterest expense | $24,814,000 | 847 |
| Salaries and employee benefits | $9,831,000 | 998 |
| Premises and equipment expense | $5,905,000 | 454 |
| Additional noninterest expense | $9,078,000 | 875 |
| Pre-tax net operating income | $-37,817,000 | 7,833 |
| Securities gains (losses) | $5,000 | 3,451 |
| Applicable income taxes | $-13,055,000 | 7,892 |
| Income before extraordinary items | $-24,757,000 | 7,781 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-24,794,000 | 7,778 |
| Minority interest net income | $37,000 | 76 |
| Net income of bank and minority interests. | $-24,757,000 | 7,780 |
| Net charge-offs | $39,275,000 | 233 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-24,760,250 | 7,785 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $49,524,000 | 513 |
| Total interest expense | $21,148,000 | 426 |
| Net interest income | $28,376,000 | 577 |
| Provision for loan and lease losses | $52,410,000 | 202 |
| Total noninterest income | $3,198,000 | 1,254 |
| Gross Fiduciary activities income | $247,000 | 643 |
| Service charges on deposit accounts | $967,000 | 1,333 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,984,000 | 1,155 |
| Total noninterest expense | $18,138,000 | 852 |
| Salaries and employee benefits | $7,320,000 | 1,019 |
| Premises and equipment expense | $4,389,000 | 468 |
| Additional noninterest expense | $6,429,000 | 878 |
| Pre-tax net operating income | $-38,974,000 | 7,955 |
| Securities gains (losses) | $2,000 | 3,313 |
| Applicable income taxes | $-13,483,000 | 7,999 |
| Income before extraordinary items | $-25,489,000 | 7,922 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-25,523,000 | 7,922 |
| Minority interest net income | $34,000 | 81 |
| Net income of bank and minority interests. | $-25,489,000 | 7,922 |
| Net charge-offs | $19,489,000 | 307 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-25,490,300 | 7,922 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $33,371,000 | 519 |
| Total interest expense | $14,003,000 | 458 |
| Net interest income | $19,368,000 | 571 |
| Provision for loan and lease losses | $7,500,000 | 560 |
| Total noninterest income | $2,379,000 | 1,162 |
| Gross Fiduciary activities income | $173,000 | 627 |
| Service charges on deposit accounts | $627,000 | 1,352 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,579,000 | 1,047 |
| Total noninterest expense | $11,735,000 | 899 |
| Salaries and employee benefits | $4,809,000 | 1,053 |
| Premises and equipment expense | $3,154,000 | 451 |
| Additional noninterest expense | $3,772,000 | 1,017 |
| Pre-tax net operating income | $2,512,000 | 910 |
| Securities gains (losses) | $2,000 | 2,937 |
| Applicable income taxes | $884,000 | 691 |
| Income before extraordinary items | $1,630,000 | 1,163 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,657,000 | 1,139 |
| Minority interest net income | $-27,000 | 8,179 |
| Net income of bank and minority interests. | $1,630,000 | 1,163 |
| Net charge-offs | $16,360,000 | 271 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $1,628,700 | 1,129 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $16,514,000 | 536 |
| Total interest expense | $7,022,000 | 469 |
| Net interest income | $9,492,000 | 575 |
| Provision for loan and lease losses | $4,004,000 | 474 |
| Total noninterest income | $1,315,000 | 1,031 |
| Gross Fiduciary activities income | $89,000 | 627 |
| Service charges on deposit accounts | $313,000 | 1,315 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $913,000 | 909 |
| Total noninterest expense | $5,539,000 | 924 |
| Salaries and employee benefits | $2,434,000 | 1,043 |
| Premises and equipment expense | $1,555,000 | 457 |
| Additional noninterest expense | $1,550,000 | 1,083 |
| Pre-tax net operating income | $1,264,000 | 1,002 |
| Securities gains (losses) | $2,000 | 2,230 |
| Applicable income taxes | $429,000 | 777 |
| Income before extraordinary items | $837,000 | 1,313 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $820,000 | 1,344 |
| Minority interest net income | $17,000 | 73 |
| Net income of bank and minority interests. | $837,000 | 1,315 |
| Net charge-offs | $1,585,000 | 711 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $835,680 | 1,245 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $63,350,000 | 586 |
| Total interest expense | $28,323,000 | 559 |
| Net interest income | $35,027,000 | 615 |
| Provision for loan and lease losses | $23,972,000 | 325 |
| Total noninterest income | $4,665,000 | 1,128 |
| Gross Fiduciary activities income | $305,000 | 685 |
| Service charges on deposit accounts | $1,436,000 | 1,253 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,924,000 | 991 |
| Total noninterest expense | $19,942,000 | 1,000 |
| Salaries and employee benefits | $9,391,000 | 1,054 |
| Premises and equipment expense | $5,317,000 | 512 |
| Additional noninterest expense | $5,234,000 | 1,219 |
| Pre-tax net operating income | $-4,222,000 | 7,735 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-1,419,000 | 7,823 |
| Income before extraordinary items | $-2,803,000 | 7,568 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,803,000 | 7,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,276,000 | 1,190 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,803,000 | 7,640 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $47,730,000 | 611 |
| Total interest expense | $20,943,000 | 596 |
| Net interest income | $26,787,000 | 616 |
| Provision for loan and lease losses | $21,255,000 | 234 |
| Total noninterest income | $3,402,000 | 1,186 |
| Gross Fiduciary activities income | $224,000 | 688 |
| Service charges on deposit accounts | $1,055,000 | 1,287 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,123,000 | 1,058 |
| Total noninterest expense | $14,449,000 | 1,022 |
| Salaries and employee benefits | $6,815,000 | 1,106 |
| Premises and equipment expense | $3,837,000 | 540 |
| Additional noninterest expense | $3,797,000 | 1,209 |
| Pre-tax net operating income | $-5,515,000 | 8,148 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-1,886,000 | 8,174 |
| Income before extraordinary items | $-3,629,000 | 8,058 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-3,629,000 | 8,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $627,000 | 1,712 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-3,629,000 | 8,109 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $30,943,000 | 633 |
| Total interest expense | $13,801,000 | 625 |
| Net interest income | $17,142,000 | 636 |
| Provision for loan and lease losses | $1,255,000 | 1,060 |
| Total noninterest income | $2,235,000 | 1,210 |
| Gross Fiduciary activities income | $140,000 | 715 |
| Service charges on deposit accounts | $656,000 | 1,367 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,439,000 | 1,087 |
| Total noninterest expense | $10,132,000 | 977 |
| Salaries and employee benefits | $5,221,000 | 997 |
| Premises and equipment expense | $2,442,000 | 565 |
| Additional noninterest expense | $2,469,000 | 1,208 |
| Pre-tax net operating income | $7,990,000 | 457 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $2,767,000 | 401 |
| Income before extraordinary items | $5,223,000 | 533 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,223,000 | 532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $494,000 | 1,326 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $5,223,000 | 523 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $15,380,000 | 653 |
| Total interest expense | $6,976,000 | 659 |
| Net interest income | $8,404,000 | 654 |
| Provision for loan and lease losses | $455,000 | 1,050 |
| Total noninterest income | $1,133,000 | 1,210 |
| Gross Fiduciary activities income | $69,000 | 737 |
| Service charges on deposit accounts | $292,000 | 1,496 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $772,000 | 1,023 |
| Total noninterest expense | $5,123,000 | 949 |
| Salaries and employee benefits | $2,707,000 | 968 |
| Premises and equipment expense | $1,195,000 | 576 |
| Additional noninterest expense | $1,221,000 | 1,173 |
| Pre-tax net operating income | $3,959,000 | 496 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $1,371,000 | 462 |
| Income before extraordinary items | $2,588,000 | 581 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,588,000 | 582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $315,000 | 944 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $2,588,000 | 555 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $62,004,000 | 672 |
| Total interest expense | $26,877,000 | 728 |
| Net interest income | $35,127,000 | 633 |
| Provision for loan and lease losses | $1,645,000 | 976 |
| Total noninterest income | $5,063,000 | 1,089 |
| Gross Fiduciary activities income | $239,000 | 759 |
| Service charges on deposit accounts | $1,038,000 | 1,711 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,786,000 | 854 |
| Total noninterest expense | $19,992,000 | 942 |
| Salaries and employee benefits | $10,605,000 | 939 |
| Premises and equipment expense | $3,865,000 | 687 |
| Additional noninterest expense | $5,522,000 | 1,029 |
| Pre-tax net operating income | $18,553,000 | 490 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $6,444,000 | 447 |
| Income before extraordinary items | $12,109,000 | 543 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $12,109,000 | 540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $365,000 | 2,041 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $12,109,000 | 534 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $45,876,000 | 684 |
| Total interest expense | $19,694,000 | 740 |
| Net interest income | $26,182,000 | 636 |
| Provision for loan and lease losses | $1,085,000 | 840 |
| Total noninterest income | $3,534,000 | 1,141 |
| Gross Fiduciary activities income | $174,000 | 760 |
| Service charges on deposit accounts | $756,000 | 1,732 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,604,000 | 917 |
| Total noninterest expense | $14,509,000 | 956 |
| Salaries and employee benefits | $7,638,000 | 978 |
| Premises and equipment expense | $2,742,000 | 723 |
| Additional noninterest expense | $4,129,000 | 1,006 |
| Pre-tax net operating income | $14,122,000 | 525 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $4,946,000 | 476 |
| Income before extraordinary items | $9,176,000 | 577 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $9,176,000 | 575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $369,000 | 1,323 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $9,176,000 | 569 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $30,124,000 | 708 |
| Total interest expense | $12,826,000 | 766 |
| Net interest income | $17,298,000 | 661 |
| Provision for loan and lease losses | $715,000 | 766 |
| Total noninterest income | $2,336,000 | 1,181 |
| Gross Fiduciary activities income | $112,000 | 782 |
| Service charges on deposit accounts | $466,000 | 1,871 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,758,000 | 940 |
| Total noninterest expense | $9,424,000 | 1,002 |
| Salaries and employee benefits | $5,067,000 | 1,002 |
| Premises and equipment expense | $1,707,000 | 794 |
| Additional noninterest expense | $2,650,000 | 1,050 |
| Pre-tax net operating income | $9,495,000 | 549 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $3,321,000 | 505 |
| Income before extraordinary items | $6,174,000 | 602 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $6,174,000 | 601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 2,365 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $6,174,000 | 591 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $14,557,000 | 720 |
| Total interest expense | $6,230,000 | 783 |
| Net interest income | $8,327,000 | 678 |
| Provision for loan and lease losses | $430,000 | 594 |
| Total noninterest income | $1,115,000 | 1,202 |
| Gross Fiduciary activities income | $55,000 | 795 |
| Service charges on deposit accounts | $219,000 | 1,914 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $841,000 | 960 |
| Total noninterest expense | $4,441,000 | 1,059 |
| Salaries and employee benefits | $2,417,000 | 1,064 |
| Premises and equipment expense | $789,000 | 853 |
| Additional noninterest expense | $1,235,000 | 1,099 |
| Pre-tax net operating income | $4,571,000 | 558 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,575,000 | 524 |
| Income before extraordinary items | $2,996,000 | 608 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,996,000 | 607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 1,828 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,996,000 | 598 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $52,845,000 | 727 |
| Total interest expense | $21,246,000 | 791 |
| Net interest income | $31,599,000 | 695 |
| Provision for loan and lease losses | $2,690,000 | 422 |
| Total noninterest income | $4,918,000 | 1,107 |
| Gross Fiduciary activities income | $181,000 | 828 |
| Service charges on deposit accounts | $1,058,000 | 1,673 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,679,000 | 860 |
| Total noninterest expense | $16,551,000 | 1,084 |
| Salaries and employee benefits | $8,948,000 | 1,081 |
| Premises and equipment expense | $2,797,000 | 905 |
| Additional noninterest expense | $4,806,000 | 1,116 |
| Pre-tax net operating income | $17,276,000 | 612 |
| Securities gains (losses) | $3,000 | 1,365 |
| Applicable income taxes | $6,027,000 | 556 |
| Income before extraordinary items | $11,252,000 | 672 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $11,252,000 | 671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 3,643 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $11,250,050 | 662 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $38,258,000 | 755 |
| Total interest expense | $15,244,000 | 805 |
| Net interest income | $23,014,000 | 731 |
| Provision for loan and lease losses | $2,045,000 | 395 |
| Total noninterest income | $3,530,000 | 1,154 |
| Gross Fiduciary activities income | $130,000 | 818 |
| Service charges on deposit accounts | $825,000 | 1,614 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,575,000 | 925 |
| Total noninterest expense | $12,031,000 | 1,136 |
| Salaries and employee benefits | $6,468,000 | 1,140 |
| Premises and equipment expense | $2,073,000 | 917 |
| Additional noninterest expense | $3,490,000 | 1,158 |
| Pre-tax net operating income | $12,468,000 | 650 |
| Securities gains (losses) | $2,000 | 1,183 |
| Applicable income taxes | $4,255,000 | 607 |
| Income before extraordinary items | $8,215,000 | 715 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $8,215,000 | 714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 2,628 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $8,213,680 | 709 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $24,250,000 | 775 |
| Total interest expense | $9,335,000 | 836 |
| Net interest income | $14,915,000 | 755 |
| Provision for loan and lease losses | $1,420,000 | 363 |
| Total noninterest income | $2,188,000 | 1,227 |
| Gross Fiduciary activities income | $79,000 | 856 |
| Service charges on deposit accounts | $534,000 | 1,640 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,575,000 | 982 |
| Total noninterest expense | $7,851,000 | 1,159 |
| Salaries and employee benefits | $4,158,000 | 1,193 |
| Premises and equipment expense | $1,368,000 | 924 |
| Additional noninterest expense | $2,325,000 | 1,166 |
| Pre-tax net operating income | $7,832,000 | 690 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,664,000 | 647 |
| Income before extraordinary items | $5,168,000 | 755 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,168,000 | 755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 2,270 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $5,168,000 | 743 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $11,279,000 | 809 |
| Total interest expense | $4,248,000 | 869 |
| Net interest income | $7,031,000 | 800 |
| Provision for loan and lease losses | $670,000 | 372 |
| Total noninterest income | $1,005,000 | 1,272 |
| Gross Fiduciary activities income | $39,000 | 862 |
| Service charges on deposit accounts | $246,000 | 1,709 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $720,000 | 1,022 |
| Total noninterest expense | $3,813,000 | 1,200 |
| Salaries and employee benefits | $1,996,000 | 1,241 |
| Premises and equipment expense | $686,000 | 924 |
| Additional noninterest expense | $1,131,000 | 1,179 |
| Pre-tax net operating income | $3,553,000 | 740 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,209,000 | 690 |
| Income before extraordinary items | $2,344,000 | 811 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,344,000 | 810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 1,662 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,344,000 | 798 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $34,258,000 | 959 |
| Total interest expense | $12,227,000 | 913 |
| Net interest income | $22,031,000 | 969 |
| Provision for loan and lease losses | $2,740,000 | 390 |
| Total noninterest income | $3,756,000 | 1,345 |
| Gross Fiduciary activities income | $176,000 | 834 |
| Service charges on deposit accounts | $1,119,000 | 1,550 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,461,000 | 1,173 |
| Total noninterest expense | $12,275,000 | 1,396 |
| Salaries and employee benefits | $6,716,000 | 1,385 |
| Premises and equipment expense | $2,066,000 | 1,191 |
| Additional noninterest expense | $3,493,000 | 1,459 |
| Pre-tax net operating income | $10,772,000 | 920 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $3,661,000 | 831 |
| Income before extraordinary items | $7,111,000 | 1,021 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,111,000 | 1,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,136 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $7,111,000 | 998 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $23,789,000 | 1,006 |
| Total interest expense | $8,307,000 | 950 |
| Net interest income | $15,482,000 | 1,021 |
| Provision for loan and lease losses | $1,840,000 | 411 |
| Total noninterest income | $2,631,000 | 1,435 |
| Gross Fiduciary activities income | $131,000 | 816 |
| Service charges on deposit accounts | $828,000 | 1,565 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,672,000 | 1,251 |
| Total noninterest expense | $8,744,000 | 1,455 |
| Salaries and employee benefits | $4,812,000 | 1,438 |
| Premises and equipment expense | $1,456,000 | 1,254 |
| Additional noninterest expense | $2,476,000 | 1,516 |
| Pre-tax net operating income | $7,529,000 | 976 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,557,000 | 886 |
| Income before extraordinary items | $4,972,000 | 1,078 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,972,000 | 1,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,089 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,972,000 | 1,061 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $14,366,000 | 1,080 |
| Total interest expense | $5,004,000 | 982 |
| Net interest income | $9,362,000 | 1,130 |
| Provision for loan and lease losses | $1,015,000 | 499 |
| Total noninterest income | $1,585,000 | 1,528 |
| Gross Fiduciary activities income | $81,000 | 845 |
| Service charges on deposit accounts | $516,000 | 1,625 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $988,000 | 1,358 |
| Total noninterest expense | $5,536,000 | 1,530 |
| Salaries and employee benefits | $3,025,000 | 1,532 |
| Premises and equipment expense | $950,000 | 1,269 |
| Additional noninterest expense | $1,561,000 | 1,582 |
| Pre-tax net operating income | $4,396,000 | 1,076 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,492,000 | 961 |
| Income before extraordinary items | $2,904,000 | 1,214 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,904,000 | 1,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 2,762 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,904,000 | 1,189 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,625,000 | 1,159 |
| Total interest expense | $2,266,000 | 1,036 |
| Net interest income | $4,359,000 | 1,207 |
| Provision for loan and lease losses | $330,000 | 697 |
| Total noninterest income | $702,000 | 1,640 |
| Gross Fiduciary activities income | $37,000 | 875 |
| Service charges on deposit accounts | $234,000 | 1,737 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $431,000 | 1,469 |
| Total noninterest expense | $2,738,000 | 1,546 |
| Salaries and employee benefits | $1,507,000 | 1,543 |
| Premises and equipment expense | $477,000 | 1,261 |
| Additional noninterest expense | $754,000 | 1,633 |
| Pre-tax net operating income | $1,993,000 | 1,158 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $675,000 | 1,038 |
| Income before extraordinary items | $1,318,000 | 1,307 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,318,000 | 1,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 1,757 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,318,000 | 1,278 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $21,927,000 | 1,290 |
| Total interest expense | $8,187,000 | 989 |
| Net interest income | $13,740,000 | 1,472 |
| Provision for loan and lease losses | $1,695,000 | 633 |
| Total noninterest income | $2,530,000 | 1,849 |
| Gross Fiduciary activities income | $159,000 | 842 |
| Service charges on deposit accounts | $1,039,000 | 1,690 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,332,000 | 1,775 |
| Total noninterest expense | $9,801,000 | 1,662 |
| Salaries and employee benefits | $5,144,000 | 1,722 |
| Premises and equipment expense | $1,804,000 | 1,272 |
| Additional noninterest expense | $2,853,000 | 1,715 |
| Pre-tax net operating income | $4,774,000 | 1,768 |
| Securities gains (losses) | $490,000 | 461 |
| Applicable income taxes | $1,723,000 | 1,440 |
| Income before extraordinary items | $3,541,000 | 1,793 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,541,000 | 1,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,359,000 | 617 |
| Cash dividends | $750,000 | 2,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,212,700 | 1,905 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $15,788,000 | 1,335 |
| Total interest expense | $6,035,000 | 987 |
| Net interest income | $9,753,000 | 1,548 |
| Provision for loan and lease losses | $1,105,000 | 712 |
| Total noninterest income | $1,609,000 | 2,102 |
| Gross Fiduciary activities income | $111,000 | 850 |
| Service charges on deposit accounts | $769,000 | 1,731 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $729,000 | 2,209 |
| Total noninterest expense | $6,927,000 | 1,746 |
| Salaries and employee benefits | $3,546,000 | 1,838 |
| Premises and equipment expense | $1,349,000 | 1,271 |
| Additional noninterest expense | $2,032,000 | 1,769 |
| Pre-tax net operating income | $3,330,000 | 1,884 |
| Securities gains (losses) | $441,000 | 452 |
| Applicable income taxes | $1,252,000 | 1,489 |
| Income before extraordinary items | $2,519,000 | 1,891 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,519,000 | 1,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 2,669 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,223,530 | 2,051 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $10,031,000 | 1,390 |
| Total interest expense | $3,946,000 | 987 |
| Net interest income | $6,085,000 | 1,649 |
| Provision for loan and lease losses | $835,000 | 610 |
| Total noninterest income | $885,000 | 2,409 |
| Gross Fiduciary activities income | $68,000 | 876 |
| Service charges on deposit accounts | $498,000 | 1,765 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $319,000 | 2,889 |
| Total noninterest expense | $4,333,000 | 1,841 |
| Salaries and employee benefits | $2,210,000 | 1,969 |
| Premises and equipment expense | $867,000 | 1,328 |
| Additional noninterest expense | $1,256,000 | 1,899 |
| Pre-tax net operating income | $1,802,000 | 2,229 |
| Securities gains (losses) | $441,000 | 381 |
| Applicable income taxes | $739,000 | 1,628 |
| Income before extraordinary items | $1,504,000 | 2,066 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,504,000 | 2,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,788 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,208,530 | 2,443 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,895,000 | 1,448 |
| Total interest expense | $1,964,000 | 1,016 |
| Net interest income | $2,931,000 | 1,701 |
| Provision for loan and lease losses | $465,000 | 552 |
| Total noninterest income | $379,000 | 2,630 |
| Gross Fiduciary activities income | $11,000 | 1,081 |
| Service charges on deposit accounts | $223,000 | 1,890 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $145,000 | 3,005 |
| Total noninterest expense | $2,121,000 | 1,893 |
| Salaries and employee benefits | $1,050,000 | 2,098 |
| Premises and equipment expense | $454,000 | 1,287 |
| Additional noninterest expense | $617,000 | 1,926 |
| Pre-tax net operating income | $724,000 | 2,641 |
| Securities gains (losses) | $240,000 | 438 |
| Applicable income taxes | $314,000 | 1,853 |
| Income before extraordinary items | $650,000 | 2,320 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $650,000 | 2,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,741 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $489,200 | 2,891 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $19,329,000 | 1,486 |
| Total interest expense | $7,835,000 | 1,141 |
| Net interest income | $11,494,000 | 1,688 |
| Provision for loan and lease losses | $525,000 | 2,070 |
| Total noninterest income | $1,659,000 | 2,633 |
| Gross Fiduciary activities income | $125,000 | 912 |
| Service charges on deposit accounts | $876,000 | 1,959 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $658,000 | 3,086 |
| Total noninterest expense | $8,150,000 | 1,954 |
| Salaries and employee benefits | $4,070,000 | 2,085 |
| Premises and equipment expense | $1,906,000 | 1,183 |
| Additional noninterest expense | $2,174,000 | 2,215 |
| Pre-tax net operating income | $4,478,000 | 1,795 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,453,000 | 1,664 |
| Income before extraordinary items | $3,025,000 | 2,028 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,025,000 | 2,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $357,000 | 2,006 |
| Cash dividends | $756,000 | 2,805 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,025,000 | 1,937 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $14,494,000 | 1,515 |
| Total interest expense | $5,862,000 | 1,188 |
| Net interest income | $8,632,000 | 1,699 |
| Provision for loan and lease losses | $375,000 | 2,114 |
| Total noninterest income | $1,265,000 | 2,670 |
| Gross Fiduciary activities income | $95,000 | 915 |
| Service charges on deposit accounts | $650,000 | 1,989 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $520,000 | 3,066 |
| Total noninterest expense | $6,011,000 | 1,982 |
| Salaries and employee benefits | $3,012,000 | 2,126 |
| Premises and equipment expense | $1,435,000 | 1,192 |
| Additional noninterest expense | $1,564,000 | 2,294 |
| Pre-tax net operating income | $3,511,000 | 1,783 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,036,000 | 1,806 |
| Income before extraordinary items | $2,475,000 | 1,948 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,475,000 | 1,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $339,000 | 1,579 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,475,000 | 1,844 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,545,000 | 1,548 |
| Total interest expense | $3,874,000 | 1,235 |
| Net interest income | $5,671,000 | 1,718 |
| Provision for loan and lease losses | $240,000 | 2,189 |
| Total noninterest income | $817,000 | 2,717 |
| Gross Fiduciary activities income | $61,000 | 934 |
| Service charges on deposit accounts | $437,000 | 1,935 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $319,000 | 3,181 |
| Total noninterest expense | $4,021,000 | 1,963 |
| Salaries and employee benefits | $2,004,000 | 2,116 |
| Premises and equipment expense | $983,000 | 1,160 |
| Additional noninterest expense | $1,034,000 | 2,296 |
| Pre-tax net operating income | $2,227,000 | 1,860 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $711,000 | 1,795 |
| Income before extraordinary items | $1,516,000 | 2,096 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,516,000 | 2,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $268,000 | 1,352 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,516,000 | 1,972 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,661,000 | 1,590 |
| Total interest expense | $1,952,000 | 1,250 |
| Net interest income | $2,709,000 | 1,797 |
| Provision for loan and lease losses | $120,000 | 2,030 |
| Total noninterest income | $395,000 | 2,710 |
| Gross Fiduciary activities income | $39,000 | 876 |
| Service charges on deposit accounts | $211,000 | 1,937 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $145,000 | 3,273 |
| Total noninterest expense | $2,029,000 | 1,927 |
| Salaries and employee benefits | $1,000,000 | 2,111 |
| Premises and equipment expense | $542,000 | 1,071 |
| Additional noninterest expense | $487,000 | 2,387 |
| Pre-tax net operating income | $955,000 | 2,123 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $312,000 | 1,996 |
| Income before extraordinary items | $643,000 | 2,374 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $643,000 | 2,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 862 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $643,000 | 2,247 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $17,597,000 | 1,752 |
| Total interest expense | $8,479,000 | 1,328 |
| Net interest income | $9,118,000 | 2,126 |
| Provision for loan and lease losses | $419,000 | 2,747 |
| Total noninterest income | $1,629,000 | 2,484 |
| Gross Fiduciary activities income | $164,000 | 894 |
| Service charges on deposit accounts | $818,000 | 1,958 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $647,000 | 2,841 |
| Total noninterest expense | $7,207,000 | 2,083 |
| Salaries and employee benefits | $3,498,000 | 2,295 |
| Premises and equipment expense | $1,623,000 | 1,356 |
| Additional noninterest expense | $2,086,000 | 2,213 |
| Pre-tax net operating income | $3,121,000 | 2,414 |
| Securities gains (losses) | $5,000 | 3,957 |
| Applicable income taxes | $988,000 | 2,228 |
| Income before extraordinary items | $2,138,000 | 2,664 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,138,000 | 2,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,712 |
| Cash dividends | $375,000 | 3,955 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,134,600 | 2,576 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $17,291,000 | 1,977 |
| Total interest expense | $10,628,000 | 1,534 |
| Net interest income | $6,663,000 | 2,683 |
| Provision for loan and lease losses | $360,000 | 2,816 |
| Total noninterest income | $1,472,000 | 2,541 |
| Gross Fiduciary activities income | $154,000 | 900 |
| Service charges on deposit accounts | $801,000 | 1,900 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $517,000 | 3,068 |
| Total noninterest expense | $6,706,000 | 2,138 |
| Salaries and employee benefits | $3,229,000 | 2,326 |
| Premises and equipment expense | $1,594,000 | 1,342 |
| Additional noninterest expense | $1,883,000 | 2,370 |
| Pre-tax net operating income | $1,069,000 | 4,725 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $275,000 | 4,439 |
| Income before extraordinary items | $794,000 | 4,889 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $794,000 | 4,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $292,000 | 2,285 |
| Cash dividends | $940,000 | 2,360 |
| Sale, conversion, retirement of capital stock, net | $6,500,000 | 132 |
| Net operating income | $794,000 | 4,775 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,566,000 | 2,396 |
| Total interest expense | $8,151,000 | 2,107 |
| Net interest income | $6,415,000 | 2,770 |
| Provision for loan and lease losses | $1,155,000 | 948 |
| Total noninterest income | $1,158,000 | 2,837 |
| Gross Fiduciary activities income | $132,000 | 884 |
| Service charges on deposit accounts | $689,000 | 2,014 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $337,000 | 3,688 |
| Total noninterest expense | $6,001,000 | 2,279 |
| Salaries and employee benefits | $2,983,000 | 2,403 |
| Premises and equipment expense | $1,231,000 | 1,692 |
| Additional noninterest expense | $1,787,000 | 2,401 |
| Pre-tax net operating income | $417,000 | 7,379 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $42,000 | 7,376 |
| Income before extraordinary items | $375,000 | 7,010 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $375,000 | 7,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 2,702 |
| Cash dividends | $225,000 | 4,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $375,000 | 7,009 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,848,000 | 2,979 |
| Total interest expense | $5,501,000 | 2,686 |
| Net interest income | $5,347,000 | 3,242 |
| Provision for loan and lease losses | $110,000 | 5,020 |
| Total noninterest income | $1,173,000 | 2,739 |
| Gross Fiduciary activities income | $92,000 | 1,006 |
| Service charges on deposit accounts | $813,000 | 1,629 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $268,000 | 4,280 |
| Total noninterest expense | $4,801,000 | 2,814 |
| Salaries and employee benefits | $2,291,000 | 3,035 |
| Premises and equipment expense | $982,000 | 2,084 |
| Additional noninterest expense | $1,528,000 | 2,813 |
| Pre-tax net operating income | $1,609,000 | 3,910 |
| Securities gains (losses) | $7,000 | 1,949 |
| Applicable income taxes | $451,000 | 3,864 |
| Income before extraordinary items | $1,165,000 | 3,968 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,165,000 | 3,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,880 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,159,960 | 3,949 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,524,000 | 3,371 |
| Total interest expense | $5,059,000 | 2,968 |
| Net interest income | $4,465,000 | 3,758 |
| Provision for loan and lease losses | $102,000 | 5,052 |
| Total noninterest income | $1,163,000 | 2,759 |
| Gross Fiduciary activities income | $62,000 | 1,081 |
| Service charges on deposit accounts | $800,000 | 1,584 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $301,000 | 4,018 |
| Total noninterest expense | $3,937,000 | 3,248 |
| Salaries and employee benefits | $1,862,000 | 3,566 |
| Premises and equipment expense | $900,000 | 2,156 |
| Additional noninterest expense | $1,175,000 | 3,432 |
| Pre-tax net operating income | $1,589,000 | 4,004 |
| Securities gains (losses) | $5,000 | 3,437 |
| Applicable income taxes | $485,000 | 3,917 |
| Income before extraordinary items | $1,109,000 | 4,158 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,109,000 | 4,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,621 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,105,500 | 4,079 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,533,000 | 3,741 |
| Total interest expense | $4,410,000 | 3,351 |
| Net interest income | $4,123,000 | 4,129 |
| Provision for loan and lease losses | $50,000 | 6,616 |
| Total noninterest income | $842,000 | 3,452 |
| Gross Fiduciary activities income | $32,000 | 1,229 |
| Service charges on deposit accounts | $510,000 | 2,571 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $300,000 | 3,932 |
| Total noninterest expense | $3,563,000 | 3,549 |
| Salaries and employee benefits | $1,710,000 | 3,819 |
| Premises and equipment expense | $835,000 | 2,331 |
| Additional noninterest expense | $1,018,000 | 3,839 |
| Pre-tax net operating income | $1,352,000 | 4,832 |
| Securities gains (losses) | $10,000 | 2,359 |
| Applicable income taxes | $429,000 | 4,670 |
| Income before extraordinary items | $933,000 | 4,935 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $933,000 | 4,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,092 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $926,100 | 4,903 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,731,000 | 4,163 |
| Total interest expense | $4,201,000 | 3,545 |
| Net interest income | $3,530,000 | 4,795 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $845,000 | 3,554 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $423,000 | 3,180 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $422,000 | 3,286 |
| Total noninterest expense | $3,174,000 | 4,120 |
| Salaries and employee benefits | $1,535,000 | 4,232 |
| Premises and equipment expense | $682,000 | 2,871 |
| Additional noninterest expense | $957,000 | 4,572 |
| Pre-tax net operating income | $1,201,000 | 5,121 |
| Securities gains (losses) | $4,000 | 3,123 |
| Applicable income taxes | $366,000 | 5,177 |
| Income before extraordinary items | $839,000 | 5,120 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $839,000 | 5,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 1,962 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $836,200 | 5,077 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,851,000 | 4,655 |
| Total interest expense | $3,631,000 | 4,023 |
| Net interest income | $3,220,000 | 5,201 |
| Provision for loan and lease losses | $53,000 | 6,095 |
| Total noninterest income | $756,000 | 3,846 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $424,000 | 3,174 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $332,000 | 3,756 |
| Total noninterest expense | $2,827,000 | 4,500 |
| Salaries and employee benefits | $1,354,000 | 4,700 |
| Premises and equipment expense | $663,000 | 2,948 |
| Additional noninterest expense | $810,000 | 5,205 |
| Pre-tax net operating income | $1,096,000 | 5,612 |
| Securities gains (losses) | $29,000 | 1,653 |
| Applicable income taxes | $284,000 | 6,211 |
| Income before extraordinary items | $841,000 | 5,253 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $841,000 | 5,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,036 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $819,250 | 5,329 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,810,000 | 5,011 |
| Total interest expense | $2,652,000 | 4,405 |
| Net interest income | $3,158,000 | 5,376 |
| Provision for loan and lease losses | $102,000 | 4,499 |
| Total noninterest income | $747,000 | 3,926 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $456,000 | 3,017 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $291,000 | 4,167 |
| Total noninterest expense | $2,688,000 | 4,845 |
| Salaries and employee benefits | $1,270,000 | 4,988 |
| Premises and equipment expense | $575,000 | 3,397 |
| Additional noninterest expense | $843,000 | 5,458 |
| Pre-tax net operating income | $1,115,000 | 5,516 |
| Securities gains (losses) | $-9,000 | 9,765 |
| Applicable income taxes | $283,000 | 6,089 |
| Income before extraordinary items | $823,000 | 5,255 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $823,000 | 5,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,413 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $829,660 | 5,273 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,575,000 | 5,268 |
| Total interest expense | $2,744,000 | 4,452 |
| Net interest income | $2,831,000 | 5,923 |
| Provision for loan and lease losses | $167,000 | 4,380 |
| Total noninterest income | $688,000 | 4,495 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $501,000 | 2,795 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $187,000 | 5,888 |
| Total noninterest expense | $2,593,000 | 5,111 |
| Salaries and employee benefits | $1,173,000 | 5,330 |
| Premises and equipment expense | $593,000 | 3,370 |
| Additional noninterest expense | $827,000 | 5,771 |
| Pre-tax net operating income | $759,000 | 7,038 |
| Securities gains (losses) | $122,000 | 2,231 |
| Applicable income taxes | $224,000 | 7,193 |
| Income before extraordinary items | $657,000 | 6,380 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $657,000 | 6,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 5,247 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $565,500 | 6,782 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,014,000 | 5,476 |
| Total interest expense | $3,516,000 | 4,527 |
| Net interest income | $2,498,000 | 6,607 |
| Provision for loan and lease losses | $235,000 | 4,801 |
| Total noninterest income | $560,000 | 5,224 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $394,000 | 3,541 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $166,000 | 6,287 |
| Total noninterest expense | $2,490,000 | 5,330 |
| Salaries and employee benefits | $1,149,000 | 5,378 |
| Premises and equipment expense | $542,000 | 3,701 |
| Additional noninterest expense | $799,000 | 6,075 |
| Pre-tax net operating income | $333,000 | 9,840 |
| Securities gains (losses) | $46,000 | 4,268 |
| Applicable income taxes | $52,000 | 11,201 |
| Income before extraordinary items | $327,000 | 8,968 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $327,000 | 9,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $277,000 | 3,500 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $287,440 | 9,085 |
* 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.