Home > Bank of the Eastern Shore > Income and Expense
Bank of the Eastern Shore, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,302,000 | 2,886 |
| Total interest expense | $937,000 | 1,345 |
| Net interest income | $1,365,000 | 3,687 |
| Provision for loan and lease losses | $368,000 | 1,329 |
| Total noninterest income | $114,000 | 4,720 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $84,000 | 3,280 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $30,000 | 5,349 |
| Total noninterest expense | $1,640,000 | 2,828 |
| Salaries and employee benefits | $682,000 | 3,408 |
| Premises and equipment expense | $99,000 | 4,418 |
| Additional noninterest expense | $859,000 | 1,920 |
| Pre-tax net operating income | $-529,000 | 7,050 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-529,000 | 7,075 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-529,000 | 7,074 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-529,000 | 7,075 |
| Net charge-offs | $511,000 | 1,077 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-529,000 | 7,059 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $9,410,000 | 2,920 |
| Total interest expense | $4,650,000 | 1,310 |
| Net interest income | $4,760,000 | 4,033 |
| Provision for loan and lease losses | $3,740,000 | 1,003 |
| Total noninterest income | $-3,050,000 | 7,318 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $400,000 | 3,023 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-3,450,000 | 7,313 |
| Total noninterest expense | $5,881,000 | 3,114 |
| Salaries and employee benefits | $1,907,000 | 4,288 |
| Premises and equipment expense | $349,000 | 4,872 |
| Additional noninterest expense | $3,625,000 | 1,858 |
| Pre-tax net operating income | $-7,911,000 | 7,165 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $18,000 | 4,149 |
| Income before extraordinary items | $-7,929,000 | 7,171 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-7,929,000 | 7,170 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-7,929,000 | 7,171 |
| Net charge-offs | $5,451,000 | 743 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-7,929,000 | 7,163 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $7,747,000 | 2,714 |
| Total interest expense | $3,632,000 | 1,312 |
| Net interest income | $4,115,000 | 3,710 |
| Provision for loan and lease losses | $3,200,000 | 888 |
| Total noninterest income | $-2,765,000 | 7,408 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $314,000 | 2,946 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-3,079,000 | 7,407 |
| Total noninterest expense | $5,054,000 | 2,751 |
| Salaries and employee benefits | $2,052,000 | 3,327 |
| Premises and equipment expense | $313,000 | 4,514 |
| Additional noninterest expense | $2,689,000 | 1,889 |
| Pre-tax net operating income | $-6,904,000 | 7,285 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-6,904,000 | 7,297 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-6,904,000 | 7,295 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-6,904,000 | 7,296 |
| Net charge-offs | $5,138,000 | 614 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-6,904,000 | 7,295 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,171,000 | 2,730 |
| Total interest expense | $2,555,000 | 1,289 |
| Net interest income | $2,616,000 | 3,831 |
| Provision for loan and lease losses | $2,300,000 | 833 |
| Total noninterest income | $-908,000 | 7,448 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $230,000 | 2,734 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-1,138,000 | 7,446 |
| Total noninterest expense | $3,097,000 | 3,012 |
| Salaries and employee benefits | $1,392,000 | 3,329 |
| Premises and equipment expense | $217,000 | 4,472 |
| Additional noninterest expense | $1,488,000 | 2,252 |
| Pre-tax net operating income | $-3,689,000 | 7,311 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-3,689,000 | 7,325 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-3,689,000 | 7,325 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-3,689,000 | 7,325 |
| Net charge-offs | $2,849,000 | 719 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-3,689,000 | 7,324 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,669,000 | 2,675 |
| Total interest expense | $1,427,000 | 1,179 |
| Net interest income | $1,242,000 | 3,958 |
| Provision for loan and lease losses | $2,000,000 | 517 |
| Total noninterest income | $-845,000 | 7,537 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $111,000 | 2,768 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-956,000 | 7,544 |
| Total noninterest expense | $1,586,000 | 2,950 |
| Salaries and employee benefits | $713,000 | 3,284 |
| Premises and equipment expense | $116,000 | 4,360 |
| Additional noninterest expense | $757,000 | 2,207 |
| Pre-tax net operating income | $-3,189,000 | 7,465 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-3,189,000 | 7,464 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-3,189,000 | 7,464 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-3,189,000 | 7,464 |
| Net charge-offs | $2,658,000 | 443 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-3,189,000 | 7,464 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $10,688,000 | 2,788 |
| Total interest expense | $6,141,000 | 1,351 |
| Net interest income | $4,547,000 | 4,212 |
| Provision for loan and lease losses | $6,340,000 | 947 |
| Total noninterest income | $2,676,000 | 1,682 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $613,000 | 2,256 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,063,000 | 1,380 |
| Total noninterest expense | $6,703,000 | 2,826 |
| Salaries and employee benefits | $2,343,000 | 3,781 |
| Premises and equipment expense | $419,000 | 4,638 |
| Additional noninterest expense | $3,941,000 | 1,834 |
| Pre-tax net operating income | $-5,820,000 | 7,170 |
| Securities gains (losses) | $325,000 | 1,194 |
| Applicable income taxes | $3,680,000 | 458 |
| Income before extraordinary items | $-9,175,000 | 7,354 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-9,175,000 | 7,354 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-9,175,000 | 7,354 |
| Net charge-offs | $7,580,000 | 747 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $1,655,000 | 303 |
| Net operating income | $-9,500,000 | 7,351 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $8,791,000 | 2,617 |
| Total interest expense | $4,774,000 | 1,348 |
| Net interest income | $4,017,000 | 3,826 |
| Provision for loan and lease losses | $4,975,000 | 886 |
| Total noninterest income | $2,422,000 | 1,459 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $485,000 | 2,219 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,937,000 | 1,122 |
| Total noninterest expense | $5,109,000 | 2,786 |
| Salaries and employee benefits | $2,473,000 | 2,874 |
| Premises and equipment expense | $329,000 | 4,605 |
| Additional noninterest expense | $2,307,000 | 2,221 |
| Pre-tax net operating income | $-3,645,000 | 7,271 |
| Securities gains (losses) | $325,000 | 1,018 |
| Applicable income taxes | $111,000 | 3,043 |
| Income before extraordinary items | $-3,431,000 | 7,320 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-3,431,000 | 7,319 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-3,431,000 | 7,320 |
| Net charge-offs | $2,988,000 | 1,145 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,119 |
| Net operating income | $-3,756,000 | 7,328 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,170,000 | 2,519 |
| Total interest expense | $3,293,000 | 1,359 |
| Net interest income | $2,877,000 | 3,630 |
| Provision for loan and lease losses | $2,700,000 | 1,026 |
| Total noninterest income | $496,000 | 3,242 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $361,000 | 2,048 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $135,000 | 4,158 |
| Total noninterest expense | $3,355,000 | 2,829 |
| Salaries and employee benefits | $1,760,000 | 2,743 |
| Premises and equipment expense | $228,000 | 4,525 |
| Additional noninterest expense | $1,367,000 | 2,431 |
| Pre-tax net operating income | $-2,682,000 | 7,374 |
| Securities gains (losses) | $326,000 | 670 |
| Applicable income taxes | $-617,000 | 7,520 |
| Income before extraordinary items | $-1,739,000 | 7,297 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,739,000 | 7,296 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,739,000 | 7,297 |
| Net charge-offs | $2,375,000 | 992 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,053 |
| Net operating income | $-1,980,240 | 7,319 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,340,000 | 2,381 |
| Total interest expense | $1,693,000 | 1,390 |
| Net interest income | $1,647,000 | 3,290 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $249,000 | 3,218 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $178,000 | 2,065 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $71,000 | 4,108 |
| Total noninterest expense | $1,369,000 | 3,393 |
| Salaries and employee benefits | $894,000 | 2,742 |
| Premises and equipment expense | $104,000 | 4,851 |
| Additional noninterest expense | $371,000 | 3,991 |
| Pre-tax net operating income | $527,000 | 2,315 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $76,000 | 2,391 |
| Income before extraordinary items | $451,000 | 2,332 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $451,000 | 2,331 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $451,000 | 2,332 |
| Net charge-offs | $249,000 | 2,227 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 996 |
| Net operating income | $451,000 | 2,244 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $13,383,000 | 2,495 |
| Total interest expense | $7,408,000 | 1,590 |
| Net interest income | $5,975,000 | 3,483 |
| Provision for loan and lease losses | $9,126,000 | 939 |
| Total noninterest income | $948,000 | 3,445 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $620,000 | 2,483 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $328,000 | 3,859 |
| Total noninterest expense | $5,615,000 | 3,350 |
| Salaries and employee benefits | $2,746,000 | 3,431 |
| Premises and equipment expense | $443,000 | 4,725 |
| Additional noninterest expense | $2,426,000 | 2,809 |
| Pre-tax net operating income | $-7,818,000 | 7,395 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-2,928,000 | 7,621 |
| Income before extraordinary items | $-4,890,000 | 7,250 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-4,890,000 | 7,250 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-4,890,000 | 7,250 |
| Net charge-offs | $1,931,000 | 2,073 |
| Cash dividends | $1,219,000 | 1,405 |
| Sale, conversion, retirement of capital stock, net | $411,000 | 576 |
| Net operating income | $-4,890,000 | 7,274 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $11,026,000 | 2,307 |
| Total interest expense | $5,580,000 | 1,661 |
| Net interest income | $5,446,000 | 2,964 |
| Provision for loan and lease losses | $380,000 | 4,250 |
| Total noninterest income | $664,000 | 3,641 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $443,000 | 2,577 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $221,000 | 4,126 |
| Total noninterest expense | $4,603,000 | 3,132 |
| Salaries and employee benefits | $2,571,000 | 2,864 |
| Premises and equipment expense | $310,000 | 4,939 |
| Additional noninterest expense | $1,722,000 | 2,931 |
| Pre-tax net operating income | $1,127,000 | 2,530 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $400,000 | 1,627 |
| Income before extraordinary items | $727,000 | 3,051 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $727,000 | 3,049 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $727,000 | 3,052 |
| Net charge-offs | $217,000 | 4,152 |
| Cash dividends | $1,219,000 | 1,048 |
| Sale, conversion, retirement of capital stock, net | $482,000 | 444 |
| Net operating income | $727,000 | 2,974 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $7,377,000 | 2,336 |
| Total interest expense | $3,725,000 | 1,740 |
| Net interest income | $3,652,000 | 2,944 |
| Provision for loan and lease losses | $200,000 | 4,313 |
| Total noninterest income | $444,000 | 3,652 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $291,000 | 2,579 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $153,000 | 4,085 |
| Total noninterest expense | $3,069,000 | 3,164 |
| Salaries and employee benefits | $1,723,000 | 2,879 |
| Premises and equipment expense | $205,000 | 5,011 |
| Additional noninterest expense | $1,141,000 | 2,954 |
| Pre-tax net operating income | $827,000 | 2,459 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $400,000 | 1,267 |
| Income before extraordinary items | $427,000 | 3,374 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $427,000 | 3,369 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $427,000 | 3,372 |
| Net charge-offs | $176,000 | 3,588 |
| Cash dividends | $1,219,000 | 740 |
| Sale, conversion, retirement of capital stock, net | $474,000 | 351 |
| Net operating income | $427,000 | 3,258 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,693,000 | 2,358 |
| Total interest expense | $1,852,000 | 1,807 |
| Net interest income | $1,841,000 | 2,923 |
| Provision for loan and lease losses | $25,000 | 5,698 |
| Total noninterest income | $223,000 | 3,605 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $139,000 | 2,617 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $84,000 | 3,931 |
| Total noninterest expense | $1,461,000 | 3,208 |
| Salaries and employee benefits | $661,000 | 3,642 |
| Premises and equipment expense | $99,000 | 5,139 |
| Additional noninterest expense | $701,000 | 2,231 |
| Pre-tax net operating income | $578,000 | 2,109 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $300,000 | 1,049 |
| Income before extraordinary items | $278,000 | 3,262 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $278,000 | 3,261 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $278,000 | 3,262 |
| Net charge-offs | $110,000 | 2,761 |
| Cash dividends | $1,219,000 | 363 |
| Sale, conversion, retirement of capital stock, net | $476,000 | 207 |
| Net operating income | $278,000 | 3,115 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,692,000 | 2,511 |
| Total interest expense | $7,594,000 | 2,061 |
| Net interest income | $7,098,000 | 3,014 |
| Provision for loan and lease losses | $717,000 | 3,209 |
| Total noninterest income | $617,000 | 4,408 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $571,000 | 2,745 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $46,000 | 6,829 |
| Total noninterest expense | $5,471,000 | 3,321 |
| Salaries and employee benefits | $2,903,000 | 3,342 |
| Premises and equipment expense | $483,000 | 4,553 |
| Additional noninterest expense | $2,085,000 | 2,753 |
| Pre-tax net operating income | $1,527,000 | 2,994 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $370,000 | 2,163 |
| Income before extraordinary items | $1,157,000 | 3,000 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,157,000 | 2,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $262,000 | 3,727 |
| Cash dividends | $1,415,000 | 1,806 |
| Sale, conversion, retirement of capital stock, net | $1,023,000 | 422 |
| Net operating income | $1,157,000 | 3,141 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,144,000 | 2,536 |
| Total interest expense | $5,718,000 | 2,129 |
| Net interest income | $5,426,000 | 2,984 |
| Provision for loan and lease losses | $40,000 | 6,090 |
| Total noninterest income | $570,000 | 4,064 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $420,000 | 2,798 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $150,000 | 4,951 |
| Total noninterest expense | $3,425,000 | 3,825 |
| Salaries and employee benefits | $1,828,000 | 3,873 |
| Premises and equipment expense | $335,000 | 4,786 |
| Additional noninterest expense | $1,262,000 | 3,243 |
| Pre-tax net operating income | $2,531,000 | 1,907 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $900,000 | 1,255 |
| Income before extraordinary items | $1,631,000 | 2,161 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,631,000 | 2,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,222 |
| Cash dividends | $1,415,000 | 1,388 |
| Sale, conversion, retirement of capital stock, net | $455,000 | 402 |
| Net operating income | $1,631,000 | 2,268 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,405,000 | 2,575 |
| Total interest expense | $3,840,000 | 2,193 |
| Net interest income | $3,565,000 | 3,014 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $347,000 | 4,300 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $265,000 | 2,884 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $82,000 | 5,378 |
| Total noninterest expense | $2,293,000 | 3,832 |
| Salaries and employee benefits | $1,213,000 | 3,929 |
| Premises and equipment expense | $226,000 | 4,788 |
| Additional noninterest expense | $854,000 | 3,155 |
| Pre-tax net operating income | $1,619,000 | 2,044 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $600,000 | 1,392 |
| Income before extraordinary items | $1,019,000 | 2,530 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,019,000 | 2,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,244 |
| Cash dividends | $1,415,000 | 1,049 |
| Sale, conversion, retirement of capital stock, net | $455,000 | 271 |
| Net operating income | $1,019,000 | 2,489 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,724,000 | 2,637 |
| Total interest expense | $1,903,000 | 2,340 |
| Net interest income | $1,821,000 | 2,949 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $196,000 | 4,045 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $120,000 | 3,055 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $76,000 | 4,301 |
| Total noninterest expense | $1,242,000 | 3,594 |
| Salaries and employee benefits | $605,000 | 3,952 |
| Premises and equipment expense | $114,000 | 4,779 |
| Additional noninterest expense | $523,000 | 2,614 |
| Pre-tax net operating income | $775,000 | 2,223 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $300,000 | 1,477 |
| Income before extraordinary items | $475,000 | 2,813 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $475,000 | 2,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,845 |
| Cash dividends | $1,415,000 | 559 |
| Sale, conversion, retirement of capital stock, net | $346,000 | 161 |
| Net operating income | $475,000 | 2,733 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,409,000 | 2,797 |
| Total interest expense | $6,995,000 | 2,633 |
| Net interest income | $7,414,000 | 2,945 |
| Provision for loan and lease losses | $82,000 | 5,171 |
| Total noninterest income | $704,000 | 4,279 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $429,000 | 3,388 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $275,000 | 4,409 |
| Total noninterest expense | $4,699,000 | 3,621 |
| Salaries and employee benefits | $2,769,000 | 3,440 |
| Premises and equipment expense | $397,000 | 5,048 |
| Additional noninterest expense | $1,533,000 | 3,352 |
| Pre-tax net operating income | $3,337,000 | 2,283 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,169,000 | 1,678 |
| Income before extraordinary items | $2,168,000 | 2,655 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,168,000 | 2,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,808 |
| Cash dividends | $1,362,000 | 2,150 |
| Sale, conversion, retirement of capital stock, net | $402,000 | 578 |
| Net operating income | $2,168,000 | 2,652 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,656,000 | 2,829 |
| Total interest expense | $5,145,000 | 2,675 |
| Net interest income | $5,511,000 | 2,973 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $537,000 | 4,247 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $322,000 | 3,391 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $215,000 | 4,352 |
| Total noninterest expense | $3,355,000 | 3,760 |
| Salaries and employee benefits | $1,840,000 | 3,775 |
| Premises and equipment expense | $288,000 | 5,124 |
| Additional noninterest expense | $1,227,000 | 3,132 |
| Pre-tax net operating income | $2,693,000 | 2,296 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $797,000 | 1,912 |
| Income before extraordinary items | $1,896,000 | 2,485 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,896,000 | 2,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 7,973 |
| Cash dividends | $1,362,000 | 1,621 |
| Sale, conversion, retirement of capital stock, net | $377,000 | 462 |
| Net operating income | $1,896,000 | 2,459 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,084,000 | 2,843 |
| Total interest expense | $3,309,000 | 2,749 |
| Net interest income | $3,775,000 | 2,911 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $362,000 | 4,250 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $215,000 | 3,366 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $147,000 | 4,350 |
| Total noninterest expense | $2,274,000 | 3,736 |
| Salaries and employee benefits | $1,228,000 | 3,812 |
| Premises and equipment expense | $190,000 | 5,178 |
| Additional noninterest expense | $856,000 | 3,013 |
| Pre-tax net operating income | $1,863,000 | 2,282 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $517,000 | 2,015 |
| Income before extraordinary items | $1,346,000 | 2,406 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,346,000 | 2,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,139 |
| Cash dividends | $1,362,000 | 1,208 |
| Sale, conversion, retirement of capital stock, net | $377,000 | 338 |
| Net operating income | $1,346,000 | 2,390 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,391,000 | 2,959 |
| Total interest expense | $1,640,000 | 2,758 |
| Net interest income | $1,751,000 | 3,122 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $183,000 | 4,217 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $103,000 | 3,387 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $80,000 | 4,208 |
| Total noninterest expense | $1,124,000 | 3,766 |
| Salaries and employee benefits | $614,000 | 3,829 |
| Premises and equipment expense | $74,000 | 5,891 |
| Additional noninterest expense | $436,000 | 2,945 |
| Pre-tax net operating income | $810,000 | 2,542 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $262,000 | 2,026 |
| Income before extraordinary items | $548,000 | 2,822 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $548,000 | 2,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,074 |
| Cash dividends | $1,362,000 | 631 |
| Sale, conversion, retirement of capital stock, net | $377,000 | 192 |
| Net operating income | $548,000 | 2,814 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,717,000 | 2,944 |
| Total interest expense | $5,580,000 | 2,762 |
| Net interest income | $7,137,000 | 3,052 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $661,000 | 4,491 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $371,000 | 3,696 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $290,000 | 4,374 |
| Total noninterest expense | $4,467,000 | 3,641 |
| Salaries and employee benefits | $2,766,000 | 3,349 |
| Premises and equipment expense | $340,000 | 5,409 |
| Additional noninterest expense | $1,361,000 | 3,561 |
| Pre-tax net operating income | $3,331,000 | 2,582 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,131,000 | 2,027 |
| Income before extraordinary items | $2,200,000 | 2,896 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,200,000 | 2,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,465 |
| Cash dividends | $1,140,000 | 2,350 |
| Sale, conversion, retirement of capital stock, net | $623,000 | 559 |
| Net operating income | $2,200,000 | 2,881 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,212,000 | 3,004 |
| Total interest expense | $4,016,000 | 2,776 |
| Net interest income | $5,196,000 | 3,156 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $574,000 | 4,164 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $281,000 | 3,694 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $293,000 | 3,776 |
| Total noninterest expense | $2,803,000 | 4,171 |
| Salaries and employee benefits | $1,456,000 | 4,339 |
| Premises and equipment expense | $231,000 | 5,703 |
| Additional noninterest expense | $1,116,000 | 3,314 |
| Pre-tax net operating income | $2,967,000 | 2,351 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,008,000 | 1,876 |
| Income before extraordinary items | $1,959,000 | 2,613 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,959,000 | 2,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,313 |
| Cash dividends | $1,140,000 | 1,760 |
| Sale, conversion, retirement of capital stock, net | $502,000 | 451 |
| Net operating income | $1,959,000 | 2,600 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,012,000 | 3,022 |
| Total interest expense | $2,550,000 | 2,768 |
| Net interest income | $3,462,000 | 3,164 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $419,000 | 3,943 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $189,000 | 3,674 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $230,000 | 3,472 |
| Total noninterest expense | $1,840,000 | 4,232 |
| Salaries and employee benefits | $935,000 | 4,482 |
| Premises and equipment expense | $148,000 | 5,813 |
| Additional noninterest expense | $757,000 | 3,274 |
| Pre-tax net operating income | $2,041,000 | 2,265 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $651,000 | 1,945 |
| Income before extraordinary items | $1,390,000 | 2,487 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,390,000 | 2,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $1,140,000 | 1,300 |
| Sale, conversion, retirement of capital stock, net | $407,000 | 354 |
| Net operating income | $1,390,000 | 2,472 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,941,000 | 3,023 |
| Total interest expense | $1,236,000 | 2,731 |
| Net interest income | $1,705,000 | 3,195 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $252,000 | 3,443 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $90,000 | 3,696 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $162,000 | 2,832 |
| Total noninterest expense | $919,000 | 4,252 |
| Salaries and employee benefits | $484,000 | 4,377 |
| Premises and equipment expense | $75,000 | 5,803 |
| Additional noninterest expense | $360,000 | 3,389 |
| Pre-tax net operating income | $1,038,000 | 2,220 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $267,000 | 2,164 |
| Income before extraordinary items | $771,000 | 2,267 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $771,000 | 2,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $1,140,000 | 673 |
| Sale, conversion, retirement of capital stock, net | $407,000 | 199 |
| Net operating income | $771,000 | 2,245 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,147,000 | 2,871 |
| Total interest expense | $4,667,000 | 2,350 |
| Net interest income | $6,480,000 | 3,218 |
| Provision for loan and lease losses | $186,000 | 3,704 |
| Total noninterest income | $571,000 | 4,917 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $359,000 | 3,793 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $212,000 | 5,048 |
| Total noninterest expense | $3,750,000 | 4,061 |
| Salaries and employee benefits | $2,146,000 | 3,917 |
| Premises and equipment expense | $282,000 | 5,893 |
| Additional noninterest expense | $1,322,000 | 3,568 |
| Pre-tax net operating income | $3,115,000 | 2,675 |
| Securities gains (losses) | $-36,000 | 8,069 |
| Applicable income taxes | $978,000 | 2,294 |
| Income before extraordinary items | $2,101,000 | 2,974 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,101,000 | 2,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 3,406 |
| Cash dividends | $937,000 | 2,595 |
| Sale, conversion, retirement of capital stock, net | $308,000 | 589 |
| Net operating income | $2,125,480 | 2,908 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,152,000 | 2,887 |
| Total interest expense | $3,452,000 | 2,248 |
| Net interest income | $4,700,000 | 3,307 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $440,000 | 4,871 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $276,000 | 3,747 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $164,000 | 5,025 |
| Total noninterest expense | $2,615,000 | 4,272 |
| Salaries and employee benefits | $1,315,000 | 4,533 |
| Premises and equipment expense | $214,000 | 5,869 |
| Additional noninterest expense | $1,086,000 | 3,293 |
| Pre-tax net operating income | $2,525,000 | 2,555 |
| Securities gains (losses) | $-36,000 | 8,384 |
| Applicable income taxes | $726,000 | 2,341 |
| Income before extraordinary items | $1,763,000 | 2,739 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,763,000 | 2,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,089 |
| Cash dividends | $937,000 | 1,892 |
| Sale, conversion, retirement of capital stock, net | $308,000 | 451 |
| Net operating income | $1,788,560 | 2,676 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,337,000 | 2,868 |
| Total interest expense | $2,243,000 | 2,193 |
| Net interest income | $3,094,000 | 3,323 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $293,000 | 4,852 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $177,000 | 3,771 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $116,000 | 4,882 |
| Total noninterest expense | $1,740,000 | 4,254 |
| Salaries and employee benefits | $862,000 | 4,556 |
| Premises and equipment expense | $145,000 | 5,799 |
| Additional noninterest expense | $733,000 | 3,231 |
| Pre-tax net operating income | $1,647,000 | 2,552 |
| Securities gains (losses) | $-36,000 | 8,520 |
| Applicable income taxes | $376,000 | 2,707 |
| Income before extraordinary items | $1,235,000 | 2,580 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,235,000 | 2,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,223 |
| Cash dividends | $937,000 | 1,404 |
| Sale, conversion, retirement of capital stock, net | $308,000 | 333 |
| Net operating income | $1,262,720 | 2,502 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,550,000 | 2,947 |
| Total interest expense | $1,106,000 | 2,127 |
| Net interest income | $1,444,000 | 3,511 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $141,000 | 4,864 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $80,000 | 3,924 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $61,000 | 4,744 |
| Total noninterest expense | $891,000 | 4,204 |
| Salaries and employee benefits | $422,000 | 4,654 |
| Premises and equipment expense | $65,000 | 6,146 |
| Additional noninterest expense | $404,000 | 2,985 |
| Pre-tax net operating income | $694,000 | 2,881 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $195,000 | 2,641 |
| Income before extraordinary items | $499,000 | 3,049 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $499,000 | 3,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,314 |
| Cash dividends | $937,000 | 721 |
| Sale, conversion, retirement of capital stock, net | $308,000 | 195 |
| Net operating income | $499,000 | 3,008 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,668,000 | 2,918 |
| Total interest expense | $4,317,000 | 1,883 |
| Net interest income | $5,351,000 | 3,608 |
| Provision for loan and lease losses | $210,000 | 3,601 |
| Total noninterest income | $601,000 | 4,815 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $382,000 | 3,748 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $219,000 | 4,918 |
| Total noninterest expense | $3,401,000 | 4,269 |
| Salaries and employee benefits | $1,984,000 | 4,026 |
| Premises and equipment expense | $278,000 | 5,902 |
| Additional noninterest expense | $1,139,000 | 3,911 |
| Pre-tax net operating income | $2,341,000 | 3,161 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $729,000 | 2,691 |
| Income before extraordinary items | $1,612,000 | 3,446 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,612,000 | 3,445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,645 |
| Cash dividends | $891,000 | 2,551 |
| Sale, conversion, retirement of capital stock, net | $689,000 | 435 |
| Net operating income | $1,612,000 | 3,386 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,117,000 | 2,940 |
| Total interest expense | $3,221,000 | 1,863 |
| Net interest income | $3,896,000 | 3,675 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $459,000 | 4,769 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $287,000 | 3,768 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $172,000 | 4,813 |
| Total noninterest expense | $2,406,000 | 4,428 |
| Salaries and employee benefits | $1,249,000 | 4,552 |
| Premises and equipment expense | $206,000 | 5,900 |
| Additional noninterest expense | $951,000 | 3,567 |
| Pre-tax net operating income | $1,949,000 | 2,953 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $532,000 | 2,796 |
| Income before extraordinary items | $1,417,000 | 3,107 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,417,000 | 3,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,054 |
| Cash dividends | $891,000 | 1,878 |
| Sale, conversion, retirement of capital stock, net | $717,000 | 328 |
| Net operating income | $1,417,000 | 3,039 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,683,000 | 2,957 |
| Total interest expense | $2,127,000 | 1,859 |
| Net interest income | $2,556,000 | 3,704 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $302,000 | 4,809 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $188,000 | 3,792 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $114,000 | 4,901 |
| Total noninterest expense | $1,610,000 | 4,433 |
| Salaries and employee benefits | $814,000 | 4,659 |
| Premises and equipment expense | $160,000 | 5,480 |
| Additional noninterest expense | $636,000 | 3,564 |
| Pre-tax net operating income | $1,248,000 | 3,019 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $354,000 | 2,783 |
| Income before extraordinary items | $894,000 | 3,238 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $894,000 | 3,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,637 |
| Cash dividends | $891,000 | 1,417 |
| Sale, conversion, retirement of capital stock, net | $717,000 | 237 |
| Net operating income | $894,000 | 3,149 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,306,000 | 3,007 |
| Total interest expense | $1,058,000 | 1,887 |
| Net interest income | $1,248,000 | 3,764 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $155,000 | 4,694 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $94,000 | 3,720 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $61,000 | 4,708 |
| Total noninterest expense | $823,000 | 4,392 |
| Salaries and employee benefits | $409,000 | 4,659 |
| Premises and equipment expense | $78,000 | 5,588 |
| Additional noninterest expense | $336,000 | 3,408 |
| Pre-tax net operating income | $580,000 | 3,163 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $180,000 | 2,752 |
| Income before extraordinary items | $400,000 | 3,503 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $400,000 | 3,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,134 |
| Cash dividends | $891,000 | 751 |
| Sale, conversion, retirement of capital stock, net | $717,000 | 138 |
| Net operating income | $400,000 | 3,400 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,975,000 | 3,121 |
| Total interest expense | $4,296,000 | 2,074 |
| Net interest income | $4,679,000 | 3,877 |
| Provision for loan and lease losses | $51,000 | 6,233 |
| Total noninterest income | $663,000 | 4,694 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $420,000 | 3,545 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $243,000 | 4,900 |
| Total noninterest expense | $3,174,000 | 4,434 |
| Salaries and employee benefits | $1,813,000 | 4,243 |
| Premises and equipment expense | $261,000 | 6,058 |
| Additional noninterest expense | $1,100,000 | 3,976 |
| Pre-tax net operating income | $2,117,000 | 3,265 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $591,000 | 3,089 |
| Income before extraordinary items | $1,526,000 | 3,515 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,526,000 | 3,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,047 |
| Cash dividends | $780,000 | 2,745 |
| Sale, conversion, retirement of capital stock, net | $439,000 | 510 |
| Net operating income | $1,526,000 | 3,348 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,620,000 | 3,205 |
| Total interest expense | $3,213,000 | 2,163 |
| Net interest income | $3,407,000 | 3,986 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $490,000 | 4,796 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $302,000 | 3,641 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $188,000 | 4,918 |
| Total noninterest expense | $2,196,000 | 4,655 |
| Salaries and employee benefits | $1,096,000 | 4,921 |
| Premises and equipment expense | $185,000 | 6,208 |
| Additional noninterest expense | $915,000 | 3,667 |
| Pre-tax net operating income | $1,701,000 | 3,217 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $575,000 | 2,758 |
| Income before extraordinary items | $1,126,000 | 3,670 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,126,000 | 3,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,905 |
| Cash dividends | $780,000 | 2,036 |
| Sale, conversion, retirement of capital stock, net | $425,000 | 383 |
| Net operating income | $1,126,000 | 3,504 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,461,000 | 3,191 |
| Total interest expense | $2,135,000 | 2,229 |
| Net interest income | $2,326,000 | 3,923 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $332,000 | 4,723 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $203,000 | 3,591 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $129,000 | 4,858 |
| Total noninterest expense | $1,433,000 | 4,724 |
| Salaries and employee benefits | $711,000 | 5,022 |
| Premises and equipment expense | $117,000 | 6,344 |
| Additional noninterest expense | $605,000 | 3,676 |
| Pre-tax net operating income | $1,225,000 | 3,036 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $388,000 | 2,749 |
| Income before extraordinary items | $837,000 | 3,388 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $837,000 | 3,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 3,896 |
| Cash dividends | $780,000 | 1,588 |
| Sale, conversion, retirement of capital stock, net | $424,000 | 275 |
| Net operating income | $837,000 | 3,208 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,243,000 | 3,196 |
| Total interest expense | $1,067,000 | 2,278 |
| Net interest income | $1,176,000 | 3,887 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $166,000 | 4,626 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $96,000 | 3,642 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $70,000 | 4,607 |
| Total noninterest expense | $727,000 | 4,671 |
| Salaries and employee benefits | $350,000 | 5,087 |
| Premises and equipment expense | $57,000 | 6,435 |
| Additional noninterest expense | $320,000 | 3,457 |
| Pre-tax net operating income | $615,000 | 3,018 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $195,000 | 2,740 |
| Income before extraordinary items | $420,000 | 3,344 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $420,000 | 3,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,019 |
| Cash dividends | $780,000 | 844 |
| Sale, conversion, retirement of capital stock, net | $446,000 | 150 |
| Net operating income | $420,000 | 3,173 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,852,000 | 3,351 |
| Total interest expense | $4,636,000 | 2,395 |
| Net interest income | $4,216,000 | 4,184 |
| Provision for loan and lease losses | $104,000 | 5,647 |
| Total noninterest income | $489,000 | 5,281 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $390,000 | 3,589 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $99,000 | 6,467 |
| Total noninterest expense | $2,514,000 | 5,074 |
| Salaries and employee benefits | $1,236,000 | 5,385 |
| Premises and equipment expense | $260,000 | 6,001 |
| Additional noninterest expense | $1,018,000 | 4,126 |
| Pre-tax net operating income | $2,087,000 | 3,330 |
| Securities gains (losses) | $12,000 | 3,495 |
| Applicable income taxes | $721,000 | 2,787 |
| Income before extraordinary items | $1,378,000 | 3,729 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,378,000 | 3,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 5,139 |
| Cash dividends | $763,000 | 2,735 |
| Sale, conversion, retirement of capital stock, net | $423,000 | 494 |
| Net operating income | $1,370,080 | 3,633 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,623,000 | 3,425 |
| Total interest expense | $5,013,000 | 3,147 |
| Net interest income | $4,610,000 | 3,671 |
| Provision for loan and lease losses | $6,000 | 8,054 |
| Total noninterest income | $348,000 | 6,034 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $290,000 | 4,241 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $58,000 | 7,449 |
| Total noninterest expense | $3,046,000 | 4,282 |
| Salaries and employee benefits | $1,659,000 | 4,186 |
| Premises and equipment expense | $274,000 | 5,820 |
| Additional noninterest expense | $1,113,000 | 3,731 |
| Pre-tax net operating income | $1,906,000 | 3,289 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $390,000 | 3,789 |
| Income before extraordinary items | $1,516,000 | 3,194 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,516,000 | 3,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 9,382 |
| Cash dividends | $748,000 | 2,751 |
| Sale, conversion, retirement of capital stock, net | $650,000 | 467 |
| Net operating income | $1,516,000 | 3,094 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,250,000 | 3,648 |
| Total interest expense | $4,552,000 | 3,582 |
| Net interest income | $4,698,000 | 3,663 |
| Provision for loan and lease losses | $116,000 | 5,015 |
| Total noninterest income | $352,000 | 5,876 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $260,000 | 4,425 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $92,000 | 6,616 |
| Total noninterest expense | $2,723,000 | 4,566 |
| Salaries and employee benefits | $1,396,000 | 4,629 |
| Premises and equipment expense | $265,000 | 5,842 |
| Additional noninterest expense | $1,062,000 | 3,810 |
| Pre-tax net operating income | $2,211,000 | 3,068 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $774,000 | 2,577 |
| Income before extraordinary items | $1,437,000 | 3,364 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,437,000 | 3,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 3,325 |
| Cash dividends | $665,000 | 3,013 |
| Sale, conversion, retirement of capital stock, net | $348,000 | 584 |
| Net operating income | $1,437,000 | 3,353 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,520,000 | 3,687 |
| Total interest expense | $4,071,000 | 3,534 |
| Net interest income | $4,449,000 | 3,825 |
| Provision for loan and lease losses | $26,000 | 7,391 |
| Total noninterest income | $317,000 | 6,295 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $264,000 | 4,365 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 7,953 |
| Total noninterest expense | $2,521,000 | 4,853 |
| Salaries and employee benefits | $1,284,000 | 4,913 |
| Premises and equipment expense | $215,000 | 6,570 |
| Additional noninterest expense | $1,022,000 | 3,950 |
| Pre-tax net operating income | $2,219,000 | 3,072 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $841,000 | 2,533 |
| Income before extraordinary items | $1,378,000 | 3,461 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,378,000 | 3,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,073 |
| Cash dividends | $517,000 | 3,432 |
| Sale, conversion, retirement of capital stock, net | $437,000 | 627 |
| Net operating income | $1,378,000 | 3,435 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,172,000 | 3,865 |
| Total interest expense | $3,946,000 | 3,736 |
| Net interest income | $4,226,000 | 3,947 |
| Provision for loan and lease losses | $24,000 | 7,567 |
| Total noninterest income | $312,000 | 6,356 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $269,000 | 4,266 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 8,420 |
| Total noninterest expense | $2,450,000 | 4,834 |
| Salaries and employee benefits | $1,223,000 | 5,005 |
| Premises and equipment expense | $220,000 | 6,425 |
| Additional noninterest expense | $1,007,000 | 3,937 |
| Pre-tax net operating income | $2,064,000 | 3,260 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $749,000 | 2,887 |
| Income before extraordinary items | $1,315,000 | 3,651 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,315,000 | 3,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,378 |
| Cash dividends | $473,000 | 3,661 |
| Sale, conversion, retirement of capital stock, net | $355,000 | 606 |
| Net operating income | $1,315,000 | 3,549 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,968,000 | 3,986 |
| Total interest expense | $3,786,000 | 3,879 |
| Net interest income | $4,182,000 | 4,073 |
| Provision for loan and lease losses | $100,000 | 5,146 |
| Total noninterest income | $308,000 | 6,553 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $274,000 | 4,360 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 9,136 |
| Total noninterest expense | $2,386,000 | 4,970 |
| Salaries and employee benefits | $1,164,000 | 5,228 |
| Premises and equipment expense | $189,000 | 7,042 |
| Additional noninterest expense | $1,033,000 | 3,784 |
| Pre-tax net operating income | $2,004,000 | 3,525 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $734,000 | 3,123 |
| Income before extraordinary items | $1,270,000 | 3,874 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,270,000 | 3,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,868 |
| Cash dividends | $353,000 | 4,211 |
| Sale, conversion, retirement of capital stock, net | $368,000 | 587 |
| Net operating income | $1,270,000 | 3,806 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,385,000 | 4,352 |
| Total interest expense | $3,653,000 | 4,021 |
| Net interest income | $3,732,000 | 4,573 |
| Provision for loan and lease losses | $138,000 | 4,289 |
| Total noninterest income | $277,000 | 7,235 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $218,000 | 5,252 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 8,503 |
| Total noninterest expense | $2,274,000 | 5,397 |
| Salaries and employee benefits | $1,097,000 | 5,592 |
| Premises and equipment expense | $215,000 | 6,774 |
| Additional noninterest expense | $962,000 | 4,555 |
| Pre-tax net operating income | $1,597,000 | 4,124 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $587,000 | 3,657 |
| Income before extraordinary items | $1,010,000 | 4,465 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,010,000 | 4,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,420 |
| Cash dividends | $350,000 | 4,182 |
| Sale, conversion, retirement of capital stock, net | $124,000 | 641 |
| Net operating income | $1,010,000 | 4,408 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,512,000 | 4,845 |
| Total interest expense | $2,973,000 | 4,801 |
| Net interest income | $3,539,000 | 4,818 |
| Provision for loan and lease losses | $101,000 | 4,564 |
| Total noninterest income | $245,000 | 7,763 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 5,518 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 9,970 |
| Total noninterest expense | $2,168,000 | 5,628 |
| Salaries and employee benefits | $1,033,000 | 5,894 |
| Premises and equipment expense | $200,000 | 7,189 |
| Additional noninterest expense | $935,000 | 4,609 |
| Pre-tax net operating income | $1,515,000 | 4,423 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $389,000 | 5,037 |
| Income before extraordinary items | $1,126,000 | 4,171 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,126,000 | 4,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,278 |
| Cash dividends | $313,000 | 4,419 |
| Sale, conversion, retirement of capital stock, net | $220,000 | 469 |
| Net operating income | $1,126,000 | 4,152 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,061,000 | 4,827 |
| Total interest expense | $2,645,000 | 4,417 |
| Net interest income | $3,416,000 | 5,050 |
| Provision for loan and lease losses | $-86,000 | 12,116 |
| Total noninterest income | $219,000 | 8,400 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $185,000 | 6,166 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 10,550 |
| Total noninterest expense | $2,047,000 | 6,085 |
| Salaries and employee benefits | $961,000 | 6,293 |
| Premises and equipment expense | $195,000 | 7,536 |
| Additional noninterest expense | $891,000 | 5,221 |
| Pre-tax net operating income | $1,674,000 | 4,012 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $674,000 | 3,181 |
| Income before extraordinary items | $1,003,000 | 4,537 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,003,000 | 4,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-100,000 | 12,227 |
| Cash dividends | $287,000 | 4,632 |
| Sale, conversion, retirement of capital stock, net | $98,000 | 817 |
| Net operating income | $1,001,080 | 4,583 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,906,000 | 5,019 |
| Total interest expense | $2,604,000 | 4,645 |
| Net interest income | $3,302,000 | 5,214 |
| Provision for loan and lease losses | $140,000 | 4,819 |
| Total noninterest income | $264,000 | 8,151 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 5,788 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 9,868 |
| Total noninterest expense | $1,855,000 | 6,746 |
| Salaries and employee benefits | $855,000 | 6,994 |
| Premises and equipment expense | $167,000 | 8,450 |
| Additional noninterest expense | $833,000 | 5,734 |
| Pre-tax net operating income | $1,571,000 | 4,148 |
| Securities gains (losses) | $48,000 | 3,456 |
| Applicable income taxes | $628,000 | 3,456 |
| Income before extraordinary items | $991,000 | 4,741 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $991,000 | 4,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 3,470 |
| Cash dividends | $246,000 | 4,943 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 954 |
| Net operating income | $960,280 | 4,601 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,173,000 | 5,363 |
| Total interest expense | $3,179,000 | 4,916 |
| Net interest income | $2,994,000 | 5,724 |
| Provision for loan and lease losses | $500,000 | 2,991 |
| Total noninterest income | $237,000 | 8,727 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $207,000 | 5,857 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 11,767 |
| Total noninterest expense | $1,654,000 | 7,390 |
| Salaries and employee benefits | $761,000 | 7,529 |
| Premises and equipment expense | $148,000 | 9,172 |
| Additional noninterest expense | $745,000 | 6,450 |
| Pre-tax net operating income | $1,077,000 | 5,347 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $437,000 | 4,480 |
| Income before extraordinary items | $642,000 | 6,280 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $642,000 | 6,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 4,797 |
| Cash dividends | $225,000 | 4,732 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 897 |
| Net operating income | $640,720 | 5,951 |
* 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.