Home > Bank of Tucson > Income and Expense
Bank of Tucson, Income and Expense
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $3,282,000 | 1,915 |
| Total interest expense | $99,000 | 5,164 |
| Net interest income | $3,183,000 | 1,699 |
| Provision for loan and lease losses | $26,000 | 3,405 |
| Total noninterest income | $199,000 | 3,664 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $66,000 | 3,575 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $133,000 | 3,353 |
| Total noninterest expense | $2,019,000 | 2,347 |
| Salaries and employee benefits | $814,000 | 3,011 |
| Premises and equipment expense | $312,000 | 1,896 |
| Additional noninterest expense | $893,000 | 1,781 |
| Pre-tax net operating income | $1,337,000 | 1,346 |
| Securities gains (losses) | $10,000 | 1,481 |
| Applicable income taxes | $555,000 | 832 |
| Income before extraordinary items | $792,000 | 1,792 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $792,000 | 1,793 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $792,000 | 1,794 |
| Net charge-offs | $-35,000 | 6,617 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 645 |
| Net operating income | $785,600 | 1,742 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $14,285,000 | 1,848 |
| Total interest expense | $566,000 | 4,882 |
| Net interest income | $13,719,000 | 1,604 |
| Provision for loan and lease losses | $451,000 | 2,848 |
| Total noninterest income | $727,000 | 3,819 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $271,000 | 3,681 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $456,000 | 3,458 |
| Total noninterest expense | $9,752,000 | 1,964 |
| Salaries and employee benefits | $5,187,000 | 1,945 |
| Premises and equipment expense | $1,271,000 | 1,852 |
| Additional noninterest expense | $3,294,000 | 1,989 |
| Pre-tax net operating income | $4,243,000 | 1,582 |
| Securities gains (losses) | $804,000 | 647 |
| Applicable income taxes | $1,948,000 | 900 |
| Income before extraordinary items | $3,099,000 | 1,803 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,099,000 | 1,802 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $3,099,000 | 1,803 |
| Net charge-offs | $236,000 | 3,591 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $310,000 | 375 |
| Net operating income | $2,584,440 | 1,982 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $10,699,000 | 1,878 |
| Total interest expense | $450,000 | 4,884 |
| Net interest income | $10,249,000 | 1,621 |
| Provision for loan and lease losses | $344,000 | 2,801 |
| Total noninterest income | $564,000 | 3,797 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $200,000 | 3,757 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $364,000 | 3,399 |
| Total noninterest expense | $7,277,000 | 1,960 |
| Salaries and employee benefits | $3,792,000 | 1,995 |
| Premises and equipment expense | $1,023,000 | 1,733 |
| Additional noninterest expense | $2,462,000 | 1,997 |
| Pre-tax net operating income | $3,192,000 | 1,615 |
| Securities gains (losses) | $528,000 | 723 |
| Applicable income taxes | $1,436,000 | 943 |
| Income before extraordinary items | $2,284,000 | 1,875 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,284,000 | 1,874 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,284,000 | 1,876 |
| Net charge-offs | $203,000 | 3,289 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $99,000 | 471 |
| Net operating income | $1,946,080 | 2,034 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $7,362,000 | 1,827 |
| Total interest expense | $319,000 | 4,865 |
| Net interest income | $7,043,000 | 1,574 |
| Provision for loan and lease losses | $324,000 | 2,313 |
| Total noninterest income | $400,000 | 3,657 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $132,000 | 3,767 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $268,000 | 3,230 |
| Total noninterest expense | $5,343,000 | 1,804 |
| Salaries and employee benefits | $2,872,000 | 1,742 |
| Premises and equipment expense | $703,000 | 1,686 |
| Additional noninterest expense | $1,768,000 | 1,882 |
| Pre-tax net operating income | $1,776,000 | 1,847 |
| Securities gains (losses) | $100,000 | 1,601 |
| Applicable income taxes | $724,000 | 1,147 |
| Income before extraordinary items | $1,152,000 | 2,344 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,152,000 | 2,344 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,152,000 | 2,344 |
| Net charge-offs | $222,000 | 2,622 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $109,000 | 352 |
| Net operating income | $1,088,000 | 2,323 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,529,000 | 1,920 |
| Total interest expense | $170,000 | 4,817 |
| Net interest income | $3,359,000 | 1,656 |
| Provision for loan and lease losses | $647,000 | 876 |
| Total noninterest income | $231,000 | 3,375 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $92,000 | 3,114 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $139,000 | 3,175 |
| Total noninterest expense | $2,554,000 | 1,867 |
| Salaries and employee benefits | $1,310,000 | 1,921 |
| Premises and equipment expense | $264,000 | 2,190 |
| Additional noninterest expense | $980,000 | 1,697 |
| Pre-tax net operating income | $389,000 | 3,351 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $150,000 | 2,029 |
| Income before extraordinary items | $239,000 | 4,064 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $239,000 | 4,067 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $239,000 | 4,067 |
| Net charge-offs | $328,000 | 1,405 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 305 |
| Net operating income | $239,000 | 3,909 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $15,266,000 | 1,845 |
| Total interest expense | $857,000 | 4,769 |
| Net interest income | $14,409,000 | 1,546 |
| Provision for loan and lease losses | $1,246,000 | 2,113 |
| Total noninterest income | $474,000 | 4,483 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $373,000 | 3,172 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $101,000 | 5,298 |
| Total noninterest expense | $10,172,000 | 1,879 |
| Salaries and employee benefits | $4,534,000 | 2,134 |
| Premises and equipment expense | $1,369,000 | 1,815 |
| Additional noninterest expense | $4,269,000 | 1,604 |
| Pre-tax net operating income | $3,465,000 | 1,615 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $1,337,000 | 1,086 |
| Income before extraordinary items | $2,128,000 | 2,139 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,128,000 | 2,140 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $2,128,000 | 2,140 |
| Net charge-offs | $146,000 | 4,624 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $20,299,000 | 37 |
| Net operating income | $2,128,000 | 2,063 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $12,137,000 | 1,759 |
| Total interest expense | $661,000 | 4,827 |
| Net interest income | $11,476,000 | 1,461 |
| Provision for loan and lease losses | $454,000 | 3,007 |
| Total noninterest income | $397,000 | 4,342 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $281,000 | 3,173 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $116,000 | 4,910 |
| Total noninterest expense | $6,672,000 | 2,158 |
| Salaries and employee benefits | $2,862,000 | 2,512 |
| Premises and equipment expense | $952,000 | 1,973 |
| Additional noninterest expense | $2,858,000 | 1,774 |
| Pre-tax net operating income | $4,747,000 | 981 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $1,830,000 | 678 |
| Income before extraordinary items | $2,917,000 | 1,326 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,917,000 | 1,326 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,917,000 | 1,326 |
| Net charge-offs | $-129,000 | 7,339 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $19,869,000 | 32 |
| Net operating income | $2,917,000 | 1,250 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,882,000 | 1,818 |
| Total interest expense | $429,000 | 4,988 |
| Net interest income | $7,453,000 | 1,494 |
| Provision for loan and lease losses | $373,000 | 2,683 |
| Total noninterest income | $303,000 | 4,086 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $178,000 | 3,242 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $125,000 | 4,235 |
| Total noninterest expense | $4,348,000 | 2,216 |
| Salaries and employee benefits | $1,773,000 | 2,727 |
| Premises and equipment expense | $485,000 | 2,508 |
| Additional noninterest expense | $2,090,000 | 1,648 |
| Pre-tax net operating income | $3,035,000 | 999 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $1,170,000 | 670 |
| Income before extraordinary items | $1,865,000 | 1,344 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,865,000 | 1,344 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,865,000 | 1,344 |
| Net charge-offs | $-16,000 | 7,111 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $13,369,000 | 30 |
| Net operating income | $1,865,000 | 1,279 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,778,000 | 1,903 |
| Total interest expense | $197,000 | 5,276 |
| Net interest income | $3,581,000 | 1,554 |
| Provision for loan and lease losses | $57,000 | 4,087 |
| Total noninterest income | $145,000 | 4,239 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $80,000 | 3,436 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $65,000 | 4,260 |
| Total noninterest expense | $1,884,000 | 2,539 |
| Salaries and employee benefits | $866,000 | 2,791 |
| Premises and equipment expense | $193,000 | 3,080 |
| Additional noninterest expense | $825,000 | 2,046 |
| Pre-tax net operating income | $1,785,000 | 850 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $688,000 | 579 |
| Income before extraordinary items | $1,097,000 | 1,121 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,097,000 | 1,119 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,097,000 | 1,121 |
| Net charge-offs | $-2,000 | 6,441 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $13,369,000 | 14 |
| Net operating income | $1,097,000 | 1,090 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $374,000 | 7,584 |
| Total interest expense | $30,000 | 7,594 |
| Net interest income | $344,000 | 7,561 |
| Provision for loan and lease losses | $0 | 7,042 |
| Total noninterest income | $8,000 | 7,240 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $3,000 | 6,772 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $5,000 | 6,877 |
| Total noninterest expense | $1,339,000 | 6,707 |
| Salaries and employee benefits | $195,000 | 7,578 |
| Premises and equipment expense | $23,000 | 7,584 |
| Additional noninterest expense | $1,121,000 | 4,786 |
| Pre-tax net operating income | $-987,000 | 6,471 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-375,000 | 7,097 |
| Income before extraordinary items | $-612,000 | 6,421 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-612,000 | 6,422 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-612,000 | 6,422 |
| Net charge-offs | $0 | 6,851 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-612,000 | 6,385 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,796,000 | 4,886 |
| Total interest expense | $652,000 | 5,701 |
| Net interest income | $3,144,000 | 4,498 |
| Provision for loan and lease losses | $791,000 | 2,868 |
| Total noninterest income | $67,000 | 6,900 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $77,000 | 5,534 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-10,000 | 7,223 |
| Total noninterest expense | $1,983,000 | 5,380 |
| Salaries and employee benefits | $803,000 | 5,947 |
| Premises and equipment expense | $271,000 | 5,067 |
| Additional noninterest expense | $909,000 | 4,568 |
| Pre-tax net operating income | $437,000 | 4,398 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $174,000 | 2,683 |
| Income before extraordinary items | $263,000 | 5,033 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $263,000 | 5,035 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $263,000 | 5,036 |
| Net charge-offs | $841,000 | 2,398 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $263,000 | 4,854 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,504,000 | 4,946 |
| Total interest expense | $462,000 | 5,659 |
| Net interest income | $2,042,000 | 4,587 |
| Provision for loan and lease losses | $45,000 | 5,941 |
| Total noninterest income | $43,000 | 6,968 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $50,000 | 5,593 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-7,000 | 7,327 |
| Total noninterest expense | $1,315,000 | 5,423 |
| Salaries and employee benefits | $509,000 | 6,078 |
| Premises and equipment expense | $180,000 | 5,103 |
| Additional noninterest expense | $626,000 | 4,480 |
| Pre-tax net operating income | $725,000 | 2,970 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $283,000 | 1,799 |
| Income before extraordinary items | $442,000 | 3,620 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $442,000 | 3,617 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $442,000 | 3,619 |
| Net charge-offs | $95,000 | 4,299 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $442,000 | 3,506 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,253,000 | 5,013 |
| Total interest expense | $253,000 | 5,580 |
| Net interest income | $1,000,000 | 4,682 |
| Provision for loan and lease losses | $8,000 | 6,225 |
| Total noninterest income | $-23,000 | 7,728 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $24,000 | 5,677 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-47,000 | 7,670 |
| Total noninterest expense | $636,000 | 5,594 |
| Salaries and employee benefits | $252,000 | 6,177 |
| Premises and equipment expense | $90,000 | 5,191 |
| Additional noninterest expense | $294,000 | 4,641 |
| Pre-tax net operating income | $333,000 | 3,187 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $129,000 | 1,873 |
| Income before extraordinary items | $204,000 | 3,845 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $204,000 | 3,842 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $204,000 | 3,844 |
| Net charge-offs | $68,000 | 3,462 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $204,000 | 3,725 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,945,000 | 5,157 |
| Total interest expense | $1,118,000 | 5,804 |
| Net interest income | $3,827,000 | 4,705 |
| Provision for loan and lease losses | $730,000 | 3,974 |
| Total noninterest income | $243,000 | 5,960 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $112,000 | 5,598 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $131,000 | 5,293 |
| Total noninterest expense | $2,623,000 | 5,557 |
| Salaries and employee benefits | $1,041,000 | 6,151 |
| Premises and equipment expense | $374,000 | 5,160 |
| Additional noninterest expense | $1,208,000 | 4,725 |
| Pre-tax net operating income | $717,000 | 3,522 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $284,000 | 2,076 |
| Income before extraordinary items | $433,000 | 4,067 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $433,000 | 4,066 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $433,000 | 4,066 |
| Net charge-offs | $455,000 | 3,916 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $433,000 | 3,998 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,710,000 | 5,212 |
| Total interest expense | $853,000 | 5,912 |
| Net interest income | $2,857,000 | 4,725 |
| Provision for loan and lease losses | $667,000 | 3,364 |
| Total noninterest income | $193,000 | 5,950 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $86,000 | 5,606 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $107,000 | 5,290 |
| Total noninterest expense | $1,989,000 | 5,531 |
| Salaries and employee benefits | $789,000 | 6,163 |
| Premises and equipment expense | $280,000 | 5,200 |
| Additional noninterest expense | $920,000 | 4,659 |
| Pre-tax net operating income | $394,000 | 4,209 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $157,000 | 2,537 |
| Income before extraordinary items | $237,000 | 4,688 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $237,000 | 4,685 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $237,000 | 4,688 |
| Net charge-offs | $432,000 | 3,242 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $237,000 | 4,622 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,471,000 | 5,264 |
| Total interest expense | $573,000 | 6,014 |
| Net interest income | $1,898,000 | 4,731 |
| Provision for loan and lease losses | $639,000 | 2,619 |
| Total noninterest income | $150,000 | 5,721 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $58,000 | 5,576 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $92,000 | 4,946 |
| Total noninterest expense | $1,372,000 | 5,485 |
| Salaries and employee benefits | $555,000 | 6,115 |
| Premises and equipment expense | $184,000 | 5,282 |
| Additional noninterest expense | $633,000 | 4,566 |
| Pre-tax net operating income | $37,000 | 5,588 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $16,000 | 3,810 |
| Income before extraordinary items | $21,000 | 5,787 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $21,000 | 5,785 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $21,000 | 5,785 |
| Net charge-offs | $434,000 | 2,502 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $21,000 | 5,701 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,232,000 | 5,318 |
| Total interest expense | $292,000 | 6,071 |
| Net interest income | $940,000 | 4,752 |
| Provision for loan and lease losses | $524,000 | 1,735 |
| Total noninterest income | $82,000 | 5,536 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $30,000 | 5,504 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $52,000 | 4,774 |
| Total noninterest expense | $667,000 | 5,512 |
| Salaries and employee benefits | $277,000 | 6,161 |
| Premises and equipment expense | $91,000 | 5,354 |
| Additional noninterest expense | $299,000 | 4,423 |
| Pre-tax net operating income | $-169,000 | 6,831 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-64,000 | 7,465 |
| Income before extraordinary items | $-105,000 | 6,822 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-105,000 | 6,823 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-105,000 | 6,823 |
| Net charge-offs | $435,000 | 1,459 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-105,000 | 6,731 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,558,000 | 5,158 |
| Total interest expense | $1,456,000 | 6,044 |
| Net interest income | $4,102,000 | 4,514 |
| Provision for loan and lease losses | $831,000 | 2,981 |
| Total noninterest income | $349,000 | 5,558 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $156,000 | 5,243 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $193,000 | 4,894 |
| Total noninterest expense | $2,568,000 | 5,580 |
| Salaries and employee benefits | $931,000 | 6,583 |
| Premises and equipment expense | $396,000 | 5,110 |
| Additional noninterest expense | $1,241,000 | 4,181 |
| Pre-tax net operating income | $1,052,000 | 3,665 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $412,000 | 2,053 |
| Income before extraordinary items | $640,000 | 4,070 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $640,000 | 4,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $748,000 | 2,281 |
| Cash dividends | $450,000 | 3,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $640,000 | 4,217 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,218,000 | 5,202 |
| Total interest expense | $1,105,000 | 6,127 |
| Net interest income | $3,113,000 | 4,509 |
| Provision for loan and lease losses | $709,000 | 2,248 |
| Total noninterest income | $264,000 | 5,625 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $123,000 | 5,189 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $141,000 | 5,046 |
| Total noninterest expense | $1,992,000 | 5,468 |
| Salaries and employee benefits | $764,000 | 6,394 |
| Premises and equipment expense | $306,000 | 5,047 |
| Additional noninterest expense | $922,000 | 4,134 |
| Pre-tax net operating income | $676,000 | 4,407 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $265,000 | 2,602 |
| Income before extraordinary items | $411,000 | 4,749 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $411,000 | 4,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $750,000 | 1,555 |
| Cash dividends | $450,000 | 2,883 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $411,000 | 4,914 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,832,000 | 5,246 |
| Total interest expense | $735,000 | 6,262 |
| Net interest income | $2,097,000 | 4,451 |
| Provision for loan and lease losses | $76,000 | 4,638 |
| Total noninterest income | $210,000 | 5,333 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $89,000 | 5,053 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $121,000 | 4,711 |
| Total noninterest expense | $1,278,000 | 5,619 |
| Salaries and employee benefits | $486,000 | 6,559 |
| Premises and equipment expense | $194,000 | 5,229 |
| Additional noninterest expense | $598,000 | 4,202 |
| Pre-tax net operating income | $953,000 | 3,047 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $370,000 | 1,957 |
| Income before extraordinary items | $583,000 | 3,706 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $583,000 | 3,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,059 |
| Cash dividends | $450,000 | 2,425 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $583,000 | 3,644 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,437,000 | 5,320 |
| Total interest expense | $387,000 | 6,313 |
| Net interest income | $1,050,000 | 4,459 |
| Provision for loan and lease losses | $68,000 | 3,346 |
| Total noninterest income | $141,000 | 4,753 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $44,000 | 5,057 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $97,000 | 3,825 |
| Total noninterest expense | $630,000 | 5,674 |
| Salaries and employee benefits | $219,000 | 6,810 |
| Premises and equipment expense | $101,000 | 5,131 |
| Additional noninterest expense | $310,000 | 4,013 |
| Pre-tax net operating income | $493,000 | 3,099 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $191,000 | 2,034 |
| Income before extraordinary items | $302,000 | 3,780 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $302,000 | 3,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 2,452 |
| Cash dividends | $225,000 | 2,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $302,000 | 3,703 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,509,000 | 4,951 |
| Total interest expense | $2,116,000 | 5,704 |
| Net interest income | $4,393,000 | 4,362 |
| Provision for loan and lease losses | $84,000 | 5,148 |
| Total noninterest income | $363,000 | 5,692 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $159,000 | 5,333 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $204,000 | 5,019 |
| Total noninterest expense | $2,902,000 | 5,111 |
| Salaries and employee benefits | $1,343,000 | 5,641 |
| Premises and equipment expense | $394,000 | 5,071 |
| Additional noninterest expense | $1,165,000 | 4,162 |
| Pre-tax net operating income | $1,770,000 | 3,579 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $688,000 | 2,326 |
| Income before extraordinary items | $1,082,000 | 4,149 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,082,000 | 4,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,273 |
| Cash dividends | $950,000 | 2,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,082,000 | 4,142 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,938,000 | 4,929 |
| Total interest expense | $1,615,000 | 5,687 |
| Net interest income | $3,323,000 | 4,352 |
| Provision for loan and lease losses | $40,000 | 5,310 |
| Total noninterest income | $260,000 | 5,830 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $116,000 | 5,394 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $144,000 | 5,176 |
| Total noninterest expense | $2,195,000 | 5,053 |
| Salaries and employee benefits | $1,029,000 | 5,550 |
| Premises and equipment expense | $302,000 | 5,000 |
| Additional noninterest expense | $864,000 | 4,140 |
| Pre-tax net operating income | $1,348,000 | 3,700 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $525,000 | 2,472 |
| Income before extraordinary items | $823,000 | 4,288 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $823,000 | 4,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 3,185 |
| Cash dividends | $800,000 | 2,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $823,000 | 4,276 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,265,000 | 4,978 |
| Total interest expense | $1,039,000 | 5,772 |
| Net interest income | $2,226,000 | 4,384 |
| Provision for loan and lease losses | $-36,000 | 8,412 |
| Total noninterest income | $170,000 | 5,899 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $74,000 | 5,482 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $96,000 | 5,200 |
| Total noninterest expense | $1,481,000 | 5,051 |
| Salaries and employee benefits | $691,000 | 5,595 |
| Premises and equipment expense | $206,000 | 4,941 |
| Additional noninterest expense | $584,000 | 4,097 |
| Pre-tax net operating income | $951,000 | 3,647 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $370,000 | 2,478 |
| Income before extraordinary items | $581,000 | 4,226 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $581,000 | 4,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,810 |
| Cash dividends | $650,000 | 2,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $581,000 | 4,214 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,617,000 | 4,998 |
| Total interest expense | $485,000 | 5,941 |
| Net interest income | $1,132,000 | 4,334 |
| Provision for loan and lease losses | $-21,000 | 8,469 |
| Total noninterest income | $70,000 | 6,240 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $35,000 | 5,544 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $35,000 | 5,742 |
| Total noninterest expense | $743,000 | 5,048 |
| Salaries and employee benefits | $336,000 | 5,720 |
| Premises and equipment expense | $110,000 | 4,765 |
| Additional noninterest expense | $297,000 | 4,008 |
| Pre-tax net operating income | $480,000 | 3,624 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $187,000 | 2,495 |
| Income before extraordinary items | $293,000 | 4,220 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $293,000 | 4,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,895 |
| Cash dividends | $150,000 | 2,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $293,000 | 4,199 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,316,000 | 4,842 |
| Total interest expense | $1,743,000 | 5,766 |
| Net interest income | $4,573,000 | 4,299 |
| Provision for loan and lease losses | $66,000 | 5,233 |
| Total noninterest income | $313,000 | 6,091 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $119,000 | 5,910 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $194,000 | 5,176 |
| Total noninterest expense | $2,941,000 | 4,956 |
| Salaries and employee benefits | $1,347,000 | 5,531 |
| Premises and equipment expense | $427,000 | 4,722 |
| Additional noninterest expense | $1,167,000 | 4,025 |
| Pre-tax net operating income | $1,879,000 | 3,778 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $690,000 | 2,690 |
| Income before extraordinary items | $1,189,000 | 4,297 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,189,000 | 4,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,489 |
| Cash dividends | $950,000 | 2,660 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,189,000 | 4,280 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,698,000 | 4,856 |
| Total interest expense | $1,283,000 | 5,747 |
| Net interest income | $3,415,000 | 4,330 |
| Provision for loan and lease losses | $30,000 | 5,631 |
| Total noninterest income | $229,000 | 6,200 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $80,000 | 6,137 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $149,000 | 5,140 |
| Total noninterest expense | $2,248,000 | 4,868 |
| Salaries and employee benefits | $1,034,000 | 5,439 |
| Premises and equipment expense | $323,000 | 4,702 |
| Additional noninterest expense | $891,000 | 3,948 |
| Pre-tax net operating income | $1,366,000 | 3,996 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $533,000 | 2,776 |
| Income before extraordinary items | $833,000 | 4,608 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $833,000 | 4,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $800,000 | 2,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $833,000 | 4,597 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,078,000 | 4,867 |
| Total interest expense | $791,000 | 5,835 |
| Net interest income | $2,287,000 | 4,312 |
| Provision for loan and lease losses | $25,000 | 5,320 |
| Total noninterest income | $160,000 | 6,120 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $48,000 | 6,300 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $112,000 | 4,889 |
| Total noninterest expense | $1,509,000 | 4,859 |
| Salaries and employee benefits | $690,000 | 5,469 |
| Premises and equipment expense | $211,000 | 4,767 |
| Additional noninterest expense | $608,000 | 3,874 |
| Pre-tax net operating income | $913,000 | 4,010 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $357,000 | 2,797 |
| Income before extraordinary items | $556,000 | 4,618 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $556,000 | 4,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $300,000 | 3,088 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $556,000 | 4,609 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,481,000 | 4,925 |
| Total interest expense | $353,000 | 6,014 |
| Net interest income | $1,128,000 | 4,346 |
| Provision for loan and lease losses | $25,000 | 4,252 |
| Total noninterest income | $105,000 | 5,497 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $24,000 | 6,271 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $81,000 | 4,122 |
| Total noninterest expense | $731,000 | 4,988 |
| Salaries and employee benefits | $338,000 | 5,552 |
| Premises and equipment expense | $105,000 | 4,798 |
| Additional noninterest expense | $288,000 | 4,029 |
| Pre-tax net operating income | $477,000 | 3,860 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $187,000 | 2,701 |
| Income before extraordinary items | $290,000 | 4,504 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $290,000 | 4,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $150,000 | 2,701 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $290,000 | 4,485 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,809,000 | 4,692 |
| Total interest expense | $1,144,000 | 5,952 |
| Net interest income | $4,665,000 | 4,159 |
| Provision for loan and lease losses | $-8,000 | 8,492 |
| Total noninterest income | $222,000 | 6,892 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $96,000 | 6,349 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $126,000 | 6,027 |
| Total noninterest expense | $2,780,000 | 5,036 |
| Salaries and employee benefits | $1,291,000 | 5,553 |
| Premises and equipment expense | $433,000 | 4,625 |
| Additional noninterest expense | $1,056,000 | 4,229 |
| Pre-tax net operating income | $2,115,000 | 3,555 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $825,000 | 2,566 |
| Income before extraordinary items | $1,290,000 | 4,173 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,290,000 | 4,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,898 |
| Cash dividends | $1,350,000 | 1,972 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,290,000 | 4,143 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,299,000 | 4,698 |
| Total interest expense | $822,000 | 5,946 |
| Net interest income | $3,477,000 | 4,171 |
| Provision for loan and lease losses | $-21,000 | 8,623 |
| Total noninterest income | $168,000 | 6,911 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $73,000 | 6,369 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $95,000 | 6,029 |
| Total noninterest expense | $2,130,000 | 4,927 |
| Salaries and employee benefits | $997,000 | 5,430 |
| Premises and equipment expense | $338,000 | 4,470 |
| Additional noninterest expense | $795,000 | 4,200 |
| Pre-tax net operating income | $1,536,000 | 3,684 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $598,000 | 2,643 |
| Income before extraordinary items | $938,000 | 4,349 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $938,000 | 4,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,785 |
| Cash dividends | $1,150,000 | 1,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $938,000 | 4,293 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,802,000 | 4,712 |
| Total interest expense | $512,000 | 5,972 |
| Net interest income | $2,290,000 | 4,196 |
| Provision for loan and lease losses | $-1,000 | 8,586 |
| Total noninterest income | $99,000 | 7,081 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $51,000 | 6,276 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $48,000 | 6,470 |
| Total noninterest expense | $1,382,000 | 5,019 |
| Salaries and employee benefits | $630,000 | 5,587 |
| Premises and equipment expense | $226,000 | 4,426 |
| Additional noninterest expense | $526,000 | 4,203 |
| Pre-tax net operating income | $1,008,000 | 3,681 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $393,000 | 2,644 |
| Income before extraordinary items | $615,000 | 4,351 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $615,000 | 4,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $400,000 | 2,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $615,000 | 4,296 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,373,000 | 4,755 |
| Total interest expense | $235,000 | 6,135 |
| Net interest income | $1,138,000 | 4,227 |
| Provision for loan and lease losses | $-11,000 | 8,730 |
| Total noninterest income | $58,000 | 6,821 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $27,000 | 6,147 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $31,000 | 6,124 |
| Total noninterest expense | $691,000 | 5,037 |
| Salaries and employee benefits | $314,000 | 5,637 |
| Premises and equipment expense | $112,000 | 4,492 |
| Additional noninterest expense | $265,000 | 4,174 |
| Pre-tax net operating income | $516,000 | 3,590 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $200,000 | 2,592 |
| Income before extraordinary items | $316,000 | 4,219 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $316,000 | 4,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $200,000 | 2,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $316,000 | 4,173 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,311,000 | 4,651 |
| Total interest expense | $920,000 | 5,890 |
| Net interest income | $4,391,000 | 4,189 |
| Provision for loan and lease losses | $-15,000 | 8,684 |
| Total noninterest income | $206,000 | 7,102 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $107,000 | 6,373 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $99,000 | 6,449 |
| Total noninterest expense | $2,501,000 | 5,307 |
| Salaries and employee benefits | $1,080,000 | 6,036 |
| Premises and equipment expense | $398,000 | 4,779 |
| Additional noninterest expense | $1,023,000 | 4,259 |
| Pre-tax net operating income | $2,111,000 | 3,382 |
| Securities gains (losses) | $-10,000 | 8,235 |
| Applicable income taxes | $810,000 | 2,511 |
| Income before extraordinary items | $1,291,000 | 4,009 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,291,000 | 4,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,856 |
| Cash dividends | $600,000 | 3,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,297,400 | 3,939 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,968,000 | 4,635 |
| Total interest expense | $695,000 | 5,850 |
| Net interest income | $3,273,000 | 4,201 |
| Provision for loan and lease losses | $-15,000 | 8,789 |
| Total noninterest income | $148,000 | 7,214 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $80,000 | 6,413 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $68,000 | 6,593 |
| Total noninterest expense | $1,839,000 | 5,342 |
| Salaries and employee benefits | $810,000 | 5,984 |
| Premises and equipment expense | $283,000 | 4,943 |
| Additional noninterest expense | $746,000 | 4,308 |
| Pre-tax net operating income | $1,597,000 | 3,436 |
| Securities gains (losses) | $-10,000 | 8,513 |
| Applicable income taxes | $611,000 | 2,542 |
| Income before extraordinary items | $976,000 | 4,069 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $976,000 | 4,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,128 |
| Cash dividends | $450,000 | 2,852 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $982,400 | 3,982 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,610,000 | 4,691 |
| Total interest expense | $467,000 | 5,850 |
| Net interest income | $2,143,000 | 4,268 |
| Provision for loan and lease losses | $-42,000 | 8,920 |
| Total noninterest income | $98,000 | 7,281 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $53,000 | 6,439 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $45,000 | 6,633 |
| Total noninterest expense | $1,208,000 | 5,420 |
| Salaries and employee benefits | $545,000 | 5,990 |
| Premises and equipment expense | $181,000 | 5,097 |
| Additional noninterest expense | $482,000 | 4,433 |
| Pre-tax net operating income | $1,075,000 | 3,366 |
| Securities gains (losses) | $-10,000 | 8,693 |
| Applicable income taxes | $411,000 | 2,512 |
| Income before extraordinary items | $654,000 | 4,003 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $654,000 | 4,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,398 |
| Cash dividends | $300,000 | 2,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $660,400 | 3,904 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,328,000 | 4,648 |
| Total interest expense | $243,000 | 5,793 |
| Net interest income | $1,085,000 | 4,219 |
| Provision for loan and lease losses | $-42,000 | 8,991 |
| Total noninterest income | $49,000 | 7,241 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $26,000 | 6,426 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $23,000 | 6,579 |
| Total noninterest expense | $596,000 | 5,474 |
| Salaries and employee benefits | $272,000 | 6,053 |
| Premises and equipment expense | $89,000 | 5,208 |
| Additional noninterest expense | $235,000 | 4,516 |
| Pre-tax net operating income | $580,000 | 3,163 |
| Securities gains (losses) | $-10,000 | 8,916 |
| Applicable income taxes | $220,000 | 2,408 |
| Income before extraordinary items | $350,000 | 3,851 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $350,000 | 3,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $150,000 | 2,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $356,400 | 3,691 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,005,000 | 4,895 |
| Total interest expense | $1,391,000 | 5,114 |
| Net interest income | $3,614,000 | 4,692 |
| Provision for loan and lease losses | $-171,000 | 9,073 |
| Total noninterest income | $365,000 | 6,161 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $108,000 | 6,432 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $257,000 | 4,807 |
| Total noninterest expense | $2,271,000 | 5,571 |
| Salaries and employee benefits | $968,000 | 6,375 |
| Premises and equipment expense | $336,000 | 5,308 |
| Additional noninterest expense | $967,000 | 4,386 |
| Pre-tax net operating income | $1,879,000 | 3,530 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $727,000 | 2,721 |
| Income before extraordinary items | $1,152,000 | 4,245 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,152,000 | 4,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,796 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,152,000 | 4,079 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,714,000 | 4,989 |
| Total interest expense | $1,100,000 | 5,081 |
| Net interest income | $2,614,000 | 4,813 |
| Provision for loan and lease losses | $-170,000 | 9,160 |
| Total noninterest income | $274,000 | 6,208 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $77,000 | 6,567 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $197,000 | 4,828 |
| Total noninterest expense | $1,673,000 | 5,599 |
| Salaries and employee benefits | $732,000 | 6,330 |
| Premises and equipment expense | $231,000 | 5,572 |
| Additional noninterest expense | $710,000 | 4,432 |
| Pre-tax net operating income | $1,385,000 | 3,691 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $536,000 | 2,910 |
| Income before extraordinary items | $849,000 | 4,447 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $849,000 | 4,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $849,000 | 4,276 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,452,000 | 5,051 |
| Total interest expense | $761,000 | 5,087 |
| Net interest income | $1,691,000 | 4,913 |
| Provision for loan and lease losses | $-125,000 | 9,205 |
| Total noninterest income | $166,000 | 6,401 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $52,000 | 6,525 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $114,000 | 5,091 |
| Total noninterest expense | $1,080,000 | 5,723 |
| Salaries and employee benefits | $468,000 | 6,487 |
| Premises and equipment expense | $152,000 | 5,609 |
| Additional noninterest expense | $460,000 | 4,518 |
| Pre-tax net operating income | $902,000 | 3,754 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $348,000 | 2,960 |
| Income before extraordinary items | $554,000 | 4,526 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $554,000 | 4,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $554,000 | 4,306 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,191,000 | 5,186 |
| Total interest expense | $378,000 | 5,200 |
| Net interest income | $813,000 | 5,038 |
| Provision for loan and lease losses | $-125,000 | 9,275 |
| Total noninterest income | $91,000 | 6,131 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $27,000 | 6,433 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $64,000 | 4,791 |
| Total noninterest expense | $535,000 | 5,761 |
| Salaries and employee benefits | $219,000 | 6,708 |
| Premises and equipment expense | $72,000 | 5,758 |
| Additional noninterest expense | $244,000 | 4,298 |
| Pre-tax net operating income | $494,000 | 3,525 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $189,000 | 2,797 |
| Income before extraordinary items | $305,000 | 4,191 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $305,000 | 4,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $305,000 | 4,004 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,776,000 | 5,328 |
| Total interest expense | $1,555,000 | 5,614 |
| Net interest income | $3,221,000 | 5,050 |
| Provision for loan and lease losses | $410,000 | 2,777 |
| Total noninterest income | $235,000 | 6,989 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $86,000 | 6,823 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $149,000 | 5,615 |
| Total noninterest expense | $1,941,000 | 5,975 |
| Salaries and employee benefits | $882,000 | 6,579 |
| Premises and equipment expense | $271,000 | 5,879 |
| Additional noninterest expense | $788,000 | 4,978 |
| Pre-tax net operating income | $1,105,000 | 4,939 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $437,000 | 3,717 |
| Income before extraordinary items | $668,000 | 5,667 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $668,000 | 5,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 3,419 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $668,000 | 5,526 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,027,000 | 6,331 |
| Total interest expense | $1,645,000 | 6,699 |
| Net interest income | $2,382,000 | 5,879 |
| Provision for loan and lease losses | $228,000 | 3,858 |
| Total noninterest income | $80,000 | 8,779 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $56,000 | 7,471 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $24,000 | 8,562 |
| Total noninterest expense | $1,732,000 | 6,279 |
| Salaries and employee benefits | $702,000 | 7,192 |
| Premises and equipment expense | $321,000 | 5,315 |
| Additional noninterest expense | $709,000 | 5,241 |
| Pre-tax net operating income | $502,000 | 6,537 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-260,000 | 9,408 |
| Income before extraordinary items | $762,000 | 5,001 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $762,000 | 5,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $932,000 | 429 |
| Net operating income | $762,000 | 4,890 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,306,000 | 7,103 |
| Total interest expense | $1,413,000 | 7,326 |
| Net interest income | $1,893,000 | 6,741 |
| Provision for loan and lease losses | $227,000 | 3,480 |
| Total noninterest income | $36,000 | 9,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $25,000 | 8,186 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 9,368 |
| Total noninterest expense | $1,409,000 | 6,979 |
| Salaries and employee benefits | $632,000 | 7,530 |
| Premises and equipment expense | $271,000 | 5,760 |
| Additional noninterest expense | $506,000 | 6,387 |
| Pre-tax net operating income | $293,000 | 7,926 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $118,000 | 6,305 |
| Income before extraordinary items | $175,000 | 8,238 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $175,000 | 8,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $175,000 | 8,244 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,462,000 | 9,123 |
| Total interest expense | $603,000 | 9,198 |
| Net interest income | $859,000 | 8,931 |
| Provision for loan and lease losses | $177,000 | 3,878 |
| Total noninterest income | $20,000 | 9,962 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $15,000 | 8,591 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 9,956 |
| Total noninterest expense | $1,318,000 | 7,253 |
| Salaries and employee benefits | $587,000 | 7,830 |
| Premises and equipment expense | $269,000 | 5,815 |
| Additional noninterest expense | $462,000 | 6,804 |
| Pre-tax net operating income | $-616,000 | 9,925 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-616,000 | 9,967 |
| Extraordinary gains, net | $21,000 | 24 |
| Net income | $-595,000 | 9,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-616,000 | 9,951 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $193,000 | 10,360 |
| Total interest expense | $86,000 | 10,310 |
| Net interest income | $107,000 | 10,380 |
| Provision for loan and lease losses | $30,000 | 7,298 |
| Total noninterest income | $2,000 | 10,382 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,352 |
| Total noninterest expense | $729,000 | 9,020 |
| Salaries and employee benefits | $340,000 | 9,356 |
| Premises and equipment expense | $132,000 | 8,031 |
| Additional noninterest expense | $257,000 | 8,537 |
| Pre-tax net operating income | $-650,000 | 10,248 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-650,000 | 10,289 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-650,000 | 10,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $4,552,000 | 256 |
| Net operating income | $-650,000 | 10,265 |
* 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.