Home > Banks of Wisconsin > Income and Expense
Banks of Wisconsin, Income and Expense
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,316,000 | 4,027 |
| Total interest expense | $305,000 | 2,743 |
| Net interest income | $1,011,000 | 4,293 |
| Provision for loan and lease losses | $431,000 | 766 |
| Total noninterest income | $365,000 | 2,702 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $53,000 | 3,986 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $312,000 | 2,167 |
| Total noninterest expense | $1,503,000 | 3,009 |
| Salaries and employee benefits | $578,000 | 3,799 |
| Premises and equipment expense | $152,000 | 3,355 |
| Additional noninterest expense | $773,000 | 2,026 |
| Pre-tax net operating income | $-558,000 | 6,871 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $-558,000 | 6,885 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-558,000 | 6,886 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-558,000 | 6,886 |
| Net charge-offs | $10,000 | 3,448 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-558,000 | 6,869 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $6,171,000 | 3,754 |
| Total interest expense | $1,523,000 | 2,680 |
| Net interest income | $4,648,000 | 3,993 |
| Provision for loan and lease losses | $1,721,000 | 1,205 |
| Total noninterest income | $532,000 | 4,390 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $194,000 | 4,319 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $338,000 | 3,880 |
| Total noninterest expense | $7,262,000 | 2,582 |
| Salaries and employee benefits | $2,617,000 | 3,450 |
| Premises and equipment expense | $615,000 | 3,322 |
| Additional noninterest expense | $4,030,000 | 1,668 |
| Pre-tax net operating income | $-3,803,000 | 6,920 |
| Securities gains (losses) | $1,594,000 | 336 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $-2,209,000 | 6,851 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,209,000 | 6,848 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-2,209,000 | 6,849 |
| Net charge-offs | $2,279,000 | 1,051 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $158,000 | 480 |
| Net operating income | $-3,803,000 | 6,922 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $4,736,000 | 3,767 |
| Total interest expense | $1,187,000 | 2,702 |
| Net interest income | $3,549,000 | 4,010 |
| Provision for loan and lease losses | $937,000 | 1,511 |
| Total noninterest income | $-98,000 | 7,024 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $141,000 | 4,438 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-239,000 | 7,004 |
| Total noninterest expense | $5,066,000 | 2,753 |
| Salaries and employee benefits | $2,033,000 | 3,381 |
| Premises and equipment expense | $472,000 | 3,309 |
| Additional noninterest expense | $2,561,000 | 1,929 |
| Pre-tax net operating income | $-2,552,000 | 7,014 |
| Securities gains (losses) | $1,594,000 | 255 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-958,000 | 6,874 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-958,000 | 6,871 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-958,000 | 6,872 |
| Net charge-offs | $1,437,000 | 1,146 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $158,000 | 377 |
| Net operating income | $-2,552,000 | 7,016 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,267,000 | 3,725 |
| Total interest expense | $835,000 | 2,679 |
| Net interest income | $2,432,000 | 3,960 |
| Provision for loan and lease losses | $1,104,000 | 1,015 |
| Total noninterest income | $-300,000 | 7,166 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $90,000 | 4,517 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-390,000 | 7,151 |
| Total noninterest expense | $3,194,000 | 2,902 |
| Salaries and employee benefits | $1,395,000 | 3,329 |
| Premises and equipment expense | $318,000 | 3,290 |
| Additional noninterest expense | $1,481,000 | 2,186 |
| Pre-tax net operating income | $-2,166,000 | 7,101 |
| Securities gains (losses) | $1,311,000 | 210 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-855,000 | 6,963 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-855,000 | 6,962 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-855,000 | 6,963 |
| Net charge-offs | $329,000 | 2,218 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $158,000 | 300 |
| Net operating income | $-2,166,000 | 7,106 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,732,000 | 3,589 |
| Total interest expense | $438,000 | 2,666 |
| Net interest income | $1,294,000 | 3,818 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $315,000 | 2,873 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $46,000 | 4,450 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $269,000 | 2,243 |
| Total noninterest expense | $1,651,000 | 2,815 |
| Salaries and employee benefits | $732,000 | 3,234 |
| Premises and equipment expense | $162,000 | 3,266 |
| Additional noninterest expense | $757,000 | 2,136 |
| Pre-tax net operating income | $-42,000 | 6,600 |
| Securities gains (losses) | $1,311,000 | 100 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $1,269,000 | 1,162 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,269,000 | 1,162 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,269,000 | 1,162 |
| Net charge-offs | $285,000 | 1,538 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $158,000 | 181 |
| Net operating income | $-42,000 | 6,608 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $8,332,000 | 3,215 |
| Total interest expense | $2,486,000 | 2,321 |
| Net interest income | $5,846,000 | 3,529 |
| Provision for loan and lease losses | $7,108,000 | 586 |
| Total noninterest income | $788,000 | 3,559 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $253,000 | 3,935 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $535,000 | 3,017 |
| Total noninterest expense | $7,697,000 | 2,457 |
| Salaries and employee benefits | $3,130,000 | 3,004 |
| Premises and equipment expense | $968,000 | 2,470 |
| Additional noninterest expense | $3,599,000 | 1,872 |
| Pre-tax net operating income | $-8,171,000 | 7,171 |
| Securities gains (losses) | $15,000 | 3,193 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-8,156,000 | 7,177 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-8,156,000 | 7,176 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-8,156,000 | 7,177 |
| Net charge-offs | $5,511,000 | 735 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $415,000 | 443 |
| Net operating income | $-8,171,000 | 7,169 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $6,319,000 | 3,224 |
| Total interest expense | $1,985,000 | 2,277 |
| Net interest income | $4,334,000 | 3,577 |
| Provision for loan and lease losses | $3,095,000 | 913 |
| Total noninterest income | $520,000 | 3,811 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $199,000 | 3,858 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $321,000 | 3,374 |
| Total noninterest expense | $5,645,000 | 2,505 |
| Salaries and employee benefits | $2,360,000 | 3,004 |
| Premises and equipment expense | $624,000 | 2,845 |
| Additional noninterest expense | $2,661,000 | 1,909 |
| Pre-tax net operating income | $-3,886,000 | 7,174 |
| Securities gains (losses) | $15,000 | 2,920 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-3,871,000 | 7,209 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,871,000 | 7,206 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-3,871,000 | 7,209 |
| Net charge-offs | $4,546,000 | 679 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $415,000 | 366 |
| Net operating income | $-3,886,000 | 7,197 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,198,000 | 3,258 |
| Total interest expense | $1,406,000 | 2,230 |
| Net interest income | $2,792,000 | 3,666 |
| Provision for loan and lease losses | $3,131,000 | 650 |
| Total noninterest income | $237,000 | 4,564 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $137,000 | 3,773 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $100,000 | 4,543 |
| Total noninterest expense | $3,998,000 | 2,408 |
| Salaries and employee benefits | $1,589,000 | 2,989 |
| Premises and equipment expense | $415,000 | 2,869 |
| Additional noninterest expense | $1,994,000 | 1,720 |
| Pre-tax net operating income | $-4,100,000 | 7,331 |
| Securities gains (losses) | $15,000 | 2,213 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-4,085,000 | 7,339 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-4,085,000 | 7,339 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-4,085,000 | 7,339 |
| Net charge-offs | $2,128,000 | 884 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-4,100,000 | 7,339 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,157,000 | 3,212 |
| Total interest expense | $762,000 | 2,147 |
| Net interest income | $1,395,000 | 3,664 |
| Provision for loan and lease losses | $1,642,000 | 600 |
| Total noninterest income | $40,000 | 6,204 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $69,000 | 3,722 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-29,000 | 7,253 |
| Total noninterest expense | $2,048,000 | 2,369 |
| Salaries and employee benefits | $802,000 | 2,994 |
| Premises and equipment expense | $216,000 | 2,807 |
| Additional noninterest expense | $1,030,000 | 1,671 |
| Pre-tax net operating income | $-2,255,000 | 7,408 |
| Securities gains (losses) | $15,000 | 1,187 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-2,240,000 | 7,410 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-2,240,000 | 7,410 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-2,240,000 | 7,410 |
| Net charge-offs | $813,000 | 983 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-2,255,000 | 7,413 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $10,129,000 | 2,929 |
| Total interest expense | $4,162,000 | 1,925 |
| Net interest income | $5,967,000 | 3,482 |
| Provision for loan and lease losses | $4,964,000 | 1,154 |
| Total noninterest income | $1,968,000 | 2,096 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $350,000 | 3,335 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,618,000 | 1,623 |
| Total noninterest expense | $6,617,000 | 2,863 |
| Salaries and employee benefits | $3,244,000 | 2,917 |
| Premises and equipment expense | $827,000 | 2,914 |
| Additional noninterest expense | $2,546,000 | 2,643 |
| Pre-tax net operating income | $-3,646,000 | 7,000 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-3,646,000 | 7,063 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,646,000 | 7,064 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-3,646,000 | 7,064 |
| Net charge-offs | $4,815,000 | 1,057 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $4,602,000 | 153 |
| Net operating income | $-3,646,000 | 7,049 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,779,000 | 2,925 |
| Total interest expense | $3,270,000 | 1,907 |
| Net interest income | $4,509,000 | 3,509 |
| Provision for loan and lease losses | $3,529,000 | 1,136 |
| Total noninterest income | $1,548,000 | 2,042 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $266,000 | 3,383 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,282,000 | 1,514 |
| Total noninterest expense | $4,772,000 | 2,955 |
| Salaries and employee benefits | $2,470,000 | 2,879 |
| Premises and equipment expense | $615,000 | 2,977 |
| Additional noninterest expense | $1,687,000 | 2,878 |
| Pre-tax net operating income | $-2,244,000 | 7,107 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-2,244,000 | 7,174 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-2,244,000 | 7,173 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-2,244,000 | 7,174 |
| Net charge-offs | $2,807,000 | 1,205 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $4,469,000 | 120 |
| Net operating income | $-2,244,000 | 7,154 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,351,000 | 2,867 |
| Total interest expense | $2,251,000 | 1,928 |
| Net interest income | $3,100,000 | 3,439 |
| Provision for loan and lease losses | $3,122,000 | 921 |
| Total noninterest income | $1,181,000 | 1,790 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $180,000 | 3,359 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,001,000 | 1,296 |
| Total noninterest expense | $3,237,000 | 2,915 |
| Salaries and employee benefits | $1,666,000 | 2,862 |
| Premises and equipment expense | $414,000 | 2,977 |
| Additional noninterest expense | $1,157,000 | 2,797 |
| Pre-tax net operating income | $-2,078,000 | 7,288 |
| Securities gains (losses) | $1,000 | 3,060 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-2,077,000 | 7,346 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,077,000 | 7,346 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-2,077,000 | 7,346 |
| Net charge-offs | $381,000 | 2,759 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $3,936,000 | 91 |
| Net operating income | $-2,078,000 | 7,341 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,719,000 | 2,885 |
| Total interest expense | $1,150,000 | 1,992 |
| Net interest income | $1,569,000 | 3,433 |
| Provision for loan and lease losses | $1,157,000 | 1,064 |
| Total noninterest income | $266,000 | 3,098 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $84,000 | 3,502 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $182,000 | 2,530 |
| Total noninterest expense | $1,646,000 | 2,895 |
| Salaries and employee benefits | $828,000 | 2,927 |
| Premises and equipment expense | $218,000 | 2,918 |
| Additional noninterest expense | $600,000 | 2,709 |
| Pre-tax net operating income | $-968,000 | 7,410 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-968,000 | 7,464 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-968,000 | 7,464 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-968,000 | 7,465 |
| Net charge-offs | $353,000 | 1,875 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $3,936,000 | 52 |
| Net operating income | $-968,000 | 7,453 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $11,566,000 | 2,853 |
| Total interest expense | $6,028,000 | 1,917 |
| Net interest income | $5,538,000 | 3,679 |
| Provision for loan and lease losses | $5,682,000 | 1,297 |
| Total noninterest income | $1,336,000 | 2,758 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $472,000 | 3,020 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $864,000 | 2,343 |
| Total noninterest expense | $6,990,000 | 2,799 |
| Salaries and employee benefits | $3,384,000 | 2,872 |
| Premises and equipment expense | $833,000 | 3,020 |
| Additional noninterest expense | $2,773,000 | 2,515 |
| Pre-tax net operating income | $-5,798,000 | 7,255 |
| Securities gains (losses) | $7,000 | 3,362 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-5,791,000 | 7,340 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-5,791,000 | 7,340 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-5,791,000 | 7,340 |
| Net charge-offs | $4,050,000 | 1,333 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-5,798,000 | 7,354 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,826,000 | 2,843 |
| Total interest expense | $4,690,000 | 1,937 |
| Net interest income | $4,136,000 | 3,706 |
| Provision for loan and lease losses | $5,071,000 | 1,035 |
| Total noninterest income | $1,058,000 | 2,717 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $375,000 | 2,896 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $683,000 | 2,321 |
| Total noninterest expense | $5,271,000 | 2,789 |
| Salaries and employee benefits | $2,591,000 | 2,844 |
| Premises and equipment expense | $633,000 | 3,011 |
| Additional noninterest expense | $2,047,000 | 2,518 |
| Pre-tax net operating income | $-5,148,000 | 7,518 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-5,148,000 | 7,589 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-5,148,000 | 7,589 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-5,148,000 | 7,589 |
| Net charge-offs | $3,515,000 | 1,070 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-5,148,000 | 7,601 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,929,000 | 2,868 |
| Total interest expense | $3,227,000 | 1,963 |
| Net interest income | $2,702,000 | 3,749 |
| Provision for loan and lease losses | $3,058,000 | 1,074 |
| Total noninterest income | $738,000 | 2,657 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $264,000 | 2,748 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $474,000 | 2,293 |
| Total noninterest expense | $3,416,000 | 2,874 |
| Salaries and employee benefits | $1,766,000 | 2,823 |
| Premises and equipment expense | $433,000 | 2,989 |
| Additional noninterest expense | $1,217,000 | 2,785 |
| Pre-tax net operating income | $-3,034,000 | 7,572 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-3,034,000 | 7,636 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,034,000 | 7,635 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,034,000 | 7,635 |
| Net charge-offs | $3,154,000 | 830 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-3,034,000 | 7,648 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,045,000 | 2,822 |
| Total interest expense | $1,676,000 | 1,976 |
| Net interest income | $1,369,000 | 3,698 |
| Provision for loan and lease losses | $317,000 | 2,232 |
| Total noninterest income | $345,000 | 2,756 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $144,000 | 2,555 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $201,000 | 2,509 |
| Total noninterest expense | $1,688,000 | 2,835 |
| Salaries and employee benefits | $899,000 | 2,808 |
| Premises and equipment expense | $226,000 | 2,928 |
| Additional noninterest expense | $563,000 | 2,712 |
| Pre-tax net operating income | $-291,000 | 7,046 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-291,000 | 7,185 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-291,000 | 7,185 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-291,000 | 7,186 |
| Net charge-offs | $63,000 | 3,324 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-291,000 | 7,126 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,697,000 | 2,510 |
| Total interest expense | $7,697,000 | 2,036 |
| Net interest income | $7,000,000 | 3,051 |
| Provision for loan and lease losses | $1,738,000 | 1,980 |
| Total noninterest income | $992,000 | 3,422 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $556,000 | 2,790 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $436,000 | 3,436 |
| Total noninterest expense | $6,609,000 | 2,819 |
| Salaries and employee benefits | $3,372,000 | 2,934 |
| Premises and equipment expense | $807,000 | 3,158 |
| Additional noninterest expense | $2,430,000 | 2,410 |
| Pre-tax net operating income | $-355,000 | 6,674 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-355,000 | 6,609 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-355,000 | 6,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $993,000 | 1,970 |
| Cash dividends | $560,000 | 3,208 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-355,000 | 6,758 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,188,000 | 2,528 |
| Total interest expense | $5,909,000 | 2,070 |
| Net interest income | $5,279,000 | 3,063 |
| Provision for loan and lease losses | $69,000 | 5,592 |
| Total noninterest income | $726,000 | 3,566 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $389,000 | 2,952 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $337,000 | 3,481 |
| Total noninterest expense | $4,811,000 | 2,867 |
| Salaries and employee benefits | $2,623,000 | 2,849 |
| Premises and equipment expense | $614,000 | 3,134 |
| Additional noninterest expense | $1,574,000 | 2,655 |
| Pre-tax net operating income | $1,125,000 | 3,450 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $1,125,000 | 2,870 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,125,000 | 2,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,831 |
| Cash dividends | $315,000 | 3,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,125,000 | 3,011 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,484,000 | 2,554 |
| Total interest expense | $4,088,000 | 2,088 |
| Net interest income | $3,396,000 | 3,147 |
| Provision for loan and lease losses | $56,000 | 5,080 |
| Total noninterest income | $472,000 | 3,638 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $233,000 | 3,161 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $239,000 | 3,433 |
| Total noninterest expense | $3,058,000 | 3,007 |
| Salaries and employee benefits | $1,735,000 | 2,902 |
| Premises and equipment expense | $416,000 | 3,107 |
| Additional noninterest expense | $907,000 | 2,996 |
| Pre-tax net operating income | $754,000 | 3,564 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $755,000 | 3,170 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $755,000 | 3,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,731 |
| Cash dividends | $200,000 | 3,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $754,000 | 3,121 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,856,000 | 2,547 |
| Total interest expense | $2,186,000 | 2,089 |
| Net interest income | $1,670,000 | 3,197 |
| Provision for loan and lease losses | $48,000 | 3,868 |
| Total noninterest income | $227,000 | 3,729 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $110,000 | 3,261 |
| Trading account gains and fees | $10,000 | 137 |
| Additional Noninterest Income | $107,000 | 3,641 |
| Total noninterest expense | $1,542,000 | 2,975 |
| Salaries and employee benefits | $877,000 | 2,906 |
| Premises and equipment expense | $212,000 | 3,063 |
| Additional noninterest expense | $453,000 | 2,960 |
| Pre-tax net operating income | $307,000 | 4,097 |
| Securities gains (losses) | $1,000 | 2,556 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $308,000 | 3,746 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $308,000 | 3,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,732 |
| Cash dividends | $200,000 | 2,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $307,000 | 3,669 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $15,780,000 | 2,564 |
| Total interest expense | $9,165,000 | 2,081 |
| Net interest income | $6,615,000 | 3,246 |
| Provision for loan and lease losses | $177,000 | 4,109 |
| Total noninterest income | $967,000 | 3,603 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $462,000 | 3,226 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $505,000 | 3,299 |
| Total noninterest expense | $5,330,000 | 3,285 |
| Salaries and employee benefits | $3,196,000 | 3,069 |
| Premises and equipment expense | $758,000 | 3,226 |
| Additional noninterest expense | $1,376,000 | 3,672 |
| Pre-tax net operating income | $2,075,000 | 3,243 |
| Securities gains (losses) | $2,000 | 1,832 |
| Applicable income taxes | $863,000 | 2,048 |
| Income before extraordinary items | $1,214,000 | 3,914 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,214,000 | 3,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $351,000 | 2,092 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,212,720 | 3,913 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,807,000 | 2,571 |
| Total interest expense | $6,836,000 | 2,090 |
| Net interest income | $4,971,000 | 3,249 |
| Provision for loan and lease losses | $83,000 | 4,460 |
| Total noninterest income | $716,000 | 3,635 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $346,000 | 3,209 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $370,000 | 3,349 |
| Total noninterest expense | $3,955,000 | 3,277 |
| Salaries and employee benefits | $2,415,000 | 3,017 |
| Premises and equipment expense | $579,000 | 3,149 |
| Additional noninterest expense | $961,000 | 3,819 |
| Pre-tax net operating income | $1,649,000 | 3,263 |
| Securities gains (losses) | $2,000 | 1,394 |
| Applicable income taxes | $863,000 | 1,800 |
| Income before extraordinary items | $788,000 | 4,387 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $788,000 | 4,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 2,570 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $786,720 | 4,378 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,716,000 | 2,636 |
| Total interest expense | $4,446,000 | 2,137 |
| Net interest income | $3,270,000 | 3,310 |
| Provision for loan and lease losses | $242,000 | 1,857 |
| Total noninterest income | $479,000 | 3,642 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $239,000 | 3,113 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $240,000 | 3,427 |
| Total noninterest expense | $2,604,000 | 3,346 |
| Salaries and employee benefits | $1,605,000 | 3,062 |
| Premises and equipment expense | $390,000 | 3,148 |
| Additional noninterest expense | $609,000 | 3,971 |
| Pre-tax net operating income | $903,000 | 3,753 |
| Securities gains (losses) | $2,000 | 1,203 |
| Applicable income taxes | $863,000 | 1,420 |
| Income before extraordinary items | $42,000 | 7,545 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $42,000 | 7,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 1,832 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $40,720 | 7,542 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,788,000 | 2,666 |
| Total interest expense | $2,181,000 | 2,158 |
| Net interest income | $1,607,000 | 3,347 |
| Provision for loan and lease losses | $90,000 | 2,153 |
| Total noninterest income | $235,000 | 3,677 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $129,000 | 2,922 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $106,000 | 3,657 |
| Total noninterest expense | $1,313,000 | 3,327 |
| Salaries and employee benefits | $798,000 | 3,088 |
| Premises and equipment expense | $202,000 | 3,085 |
| Additional noninterest expense | $313,000 | 3,850 |
| Pre-tax net operating income | $439,000 | 3,800 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $439,000 | 3,289 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $439,000 | 3,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $439,000 | 3,265 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,778,000 | 2,737 |
| Total interest expense | $7,249,000 | 2,221 |
| Net interest income | $6,529,000 | 3,298 |
| Provision for loan and lease losses | $432,000 | 2,144 |
| Total noninterest income | $854,000 | 3,903 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $373,000 | 3,671 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $481,000 | 3,406 |
| Total noninterest expense | $4,704,000 | 3,513 |
| Salaries and employee benefits | $2,932,000 | 3,192 |
| Premises and equipment expense | $746,000 | 3,168 |
| Additional noninterest expense | $1,026,000 | 4,434 |
| Pre-tax net operating income | $2,247,000 | 3,382 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $819,000 | 2,440 |
| Income before extraordinary items | $1,428,000 | 3,883 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,428,000 | 3,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,438 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,428,000 | 3,862 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,945,000 | 2,804 |
| Total interest expense | $5,110,000 | 2,278 |
| Net interest income | $4,835,000 | 3,353 |
| Provision for loan and lease losses | $391,000 | 1,733 |
| Total noninterest income | $585,000 | 4,127 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $240,000 | 4,015 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $345,000 | 3,473 |
| Total noninterest expense | $3,482,000 | 3,547 |
| Salaries and employee benefits | $2,197,000 | 3,195 |
| Premises and equipment expense | $566,000 | 3,151 |
| Additional noninterest expense | $719,000 | 4,617 |
| Pre-tax net operating income | $1,547,000 | 3,720 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $561,000 | 2,695 |
| Income before extraordinary items | $986,000 | 4,204 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $986,000 | 4,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,725 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $986,000 | 4,194 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,328,000 | 2,891 |
| Total interest expense | $3,126,000 | 2,345 |
| Net interest income | $3,202,000 | 3,383 |
| Provision for loan and lease losses | $286,000 | 1,588 |
| Total noninterest income | $366,000 | 4,248 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $128,000 | 4,460 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $238,000 | 3,411 |
| Total noninterest expense | $2,313,000 | 3,559 |
| Salaries and employee benefits | $1,467,000 | 3,184 |
| Premises and equipment expense | $382,000 | 3,112 |
| Additional noninterest expense | $464,000 | 4,716 |
| Pre-tax net operating income | $969,000 | 3,871 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $352,000 | 2,822 |
| Income before extraordinary items | $617,000 | 4,363 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $617,000 | 4,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,027 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $617,000 | 4,355 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,013,000 | 2,960 |
| Total interest expense | $1,417,000 | 2,434 |
| Net interest income | $1,596,000 | 3,364 |
| Provision for loan and lease losses | $65,000 | 2,715 |
| Total noninterest income | $141,000 | 4,826 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $52,000 | 4,862 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $89,000 | 3,937 |
| Total noninterest expense | $1,139,000 | 3,625 |
| Salaries and employee benefits | $724,000 | 3,238 |
| Premises and equipment expense | $196,000 | 3,079 |
| Additional noninterest expense | $219,000 | 4,892 |
| Pre-tax net operating income | $533,000 | 3,593 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $199,000 | 2,615 |
| Income before extraordinary items | $334,000 | 4,132 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $334,000 | 4,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,331 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $334,000 | 4,115 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,521,000 | 3,282 |
| Total interest expense | $4,020,000 | 2,645 |
| Net interest income | $5,501,000 | 3,683 |
| Provision for loan and lease losses | $499,000 | 1,912 |
| Total noninterest income | $543,000 | 5,050 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $214,000 | 4,896 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $329,000 | 4,137 |
| Total noninterest expense | $4,147,000 | 3,759 |
| Salaries and employee benefits | $2,491,000 | 3,498 |
| Premises and equipment expense | $654,000 | 3,410 |
| Additional noninterest expense | $1,002,000 | 4,415 |
| Pre-tax net operating income | $1,398,000 | 4,544 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $530,000 | 3,275 |
| Income before extraordinary items | $868,000 | 5,166 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $868,000 | 5,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,922 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $868,000 | 5,137 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,750,000 | 3,363 |
| Total interest expense | $2,788,000 | 2,686 |
| Net interest income | $3,962,000 | 3,791 |
| Provision for loan and lease losses | $342,000 | 1,981 |
| Total noninterest income | $381,000 | 5,222 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $154,000 | 5,014 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $227,000 | 4,330 |
| Total noninterest expense | $2,939,000 | 3,888 |
| Salaries and employee benefits | $1,748,000 | 3,655 |
| Premises and equipment expense | $484,000 | 3,429 |
| Additional noninterest expense | $707,000 | 4,597 |
| Pre-tax net operating income | $1,062,000 | 4,617 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $425,000 | 3,224 |
| Income before extraordinary items | $637,000 | 5,308 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $637,000 | 5,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $637,000 | 5,274 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,269,000 | 3,440 |
| Total interest expense | $1,715,000 | 2,728 |
| Net interest income | $2,554,000 | 3,858 |
| Provision for loan and lease losses | $144,000 | 2,762 |
| Total noninterest income | $243,000 | 5,280 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $97,000 | 5,104 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $146,000 | 4,386 |
| Total noninterest expense | $1,888,000 | 3,995 |
| Salaries and employee benefits | $1,098,000 | 3,813 |
| Premises and equipment expense | $306,000 | 3,565 |
| Additional noninterest expense | $484,000 | 4,489 |
| Pre-tax net operating income | $765,000 | 4,390 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $306,000 | 3,072 |
| Income before extraordinary items | $459,000 | 5,099 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $459,000 | 5,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $459,000 | 5,051 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,078,000 | 3,481 |
| Total interest expense | $811,000 | 2,748 |
| Net interest income | $1,267,000 | 3,883 |
| Provision for loan and lease losses | $76,000 | 2,449 |
| Total noninterest income | $120,000 | 5,254 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $44,000 | 5,270 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $76,000 | 4,289 |
| Total noninterest expense | $899,000 | 4,169 |
| Salaries and employee benefits | $532,000 | 3,899 |
| Premises and equipment expense | $132,000 | 4,029 |
| Additional noninterest expense | $235,000 | 4,571 |
| Pre-tax net operating income | $412,000 | 4,186 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $165,000 | 2,934 |
| Income before extraordinary items | $247,000 | 4,900 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $247,000 | 4,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $247,000 | 4,855 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,521,000 | 4,007 |
| Total interest expense | $2,416,000 | 3,126 |
| Net interest income | $4,105,000 | 4,398 |
| Provision for loan and lease losses | $589,000 | 1,700 |
| Total noninterest income | $363,000 | 6,003 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $171,000 | 5,538 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $192,000 | 5,186 |
| Total noninterest expense | $2,800,000 | 4,900 |
| Salaries and employee benefits | $1,690,000 | 4,543 |
| Premises and equipment expense | $383,000 | 4,907 |
| Additional noninterest expense | $727,000 | 5,394 |
| Pre-tax net operating income | $1,079,000 | 5,041 |
| Securities gains (losses) | $33,000 | 2,039 |
| Applicable income taxes | $445,000 | 3,529 |
| Income before extraordinary items | $667,000 | 5,712 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $667,000 | 5,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $321,000 | 1,894 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $115,000 | 643 |
| Net operating income | $645,880 | 5,723 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,581,000 | 4,186 |
| Total interest expense | $1,695,000 | 3,249 |
| Net interest income | $2,886,000 | 4,602 |
| Provision for loan and lease losses | $411,000 | 1,729 |
| Total noninterest income | $268,000 | 6,074 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $126,000 | 5,623 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $142,000 | 5,231 |
| Total noninterest expense | $2,070,000 | 4,914 |
| Salaries and employee benefits | $1,255,000 | 4,534 |
| Premises and equipment expense | $290,000 | 4,862 |
| Additional noninterest expense | $525,000 | 5,487 |
| Pre-tax net operating income | $673,000 | 5,602 |
| Securities gains (losses) | $33,000 | 1,968 |
| Applicable income taxes | $282,000 | 3,895 |
| Income before extraordinary items | $424,000 | 6,176 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $424,000 | 6,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $111,000 | 513 |
| Net operating income | $402,880 | 6,232 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,843,000 | 4,411 |
| Total interest expense | $1,071,000 | 3,394 |
| Net interest income | $1,772,000 | 4,851 |
| Provision for loan and lease losses | $298,000 | 1,610 |
| Total noninterest income | $176,000 | 6,112 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $77,000 | 5,788 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $99,000 | 5,168 |
| Total noninterest expense | $1,385,000 | 4,923 |
| Salaries and employee benefits | $824,000 | 4,611 |
| Premises and equipment expense | $197,000 | 4,802 |
| Additional noninterest expense | $364,000 | 5,396 |
| Pre-tax net operating income | $265,000 | 6,736 |
| Securities gains (losses) | $33,000 | 1,728 |
| Applicable income taxes | $119,000 | 4,621 |
| Income before extraordinary items | $179,000 | 7,082 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $179,000 | 7,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $111,000 | 398 |
| Net operating income | $157,880 | 7,207 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,382,000 | 4,530 |
| Total interest expense | $518,000 | 3,524 |
| Net interest income | $864,000 | 4,940 |
| Provision for loan and lease losses | $72,000 | 2,735 |
| Total noninterest income | $72,000 | 6,518 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $34,000 | 5,974 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $38,000 | 5,668 |
| Total noninterest expense | $670,000 | 5,059 |
| Salaries and employee benefits | $409,000 | 4,659 |
| Premises and equipment expense | $100,000 | 4,791 |
| Additional noninterest expense | $161,000 | 5,784 |
| Pre-tax net operating income | $194,000 | 5,890 |
| Securities gains (losses) | $33,000 | 1,437 |
| Applicable income taxes | $91,000 | 3,946 |
| Income before extraordinary items | $136,000 | 6,238 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $136,000 | 6,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $88,000 | 267 |
| Net operating income | $114,880 | 6,504 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,700,000 | 5,109 |
| Total interest expense | $1,744,000 | 4,455 |
| Net interest income | $2,956,000 | 5,357 |
| Provision for loan and lease losses | $372,000 | 2,724 |
| Total noninterest income | $317,000 | 6,486 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $107,000 | 6,448 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $210,000 | 5,193 |
| Total noninterest expense | $2,405,000 | 5,356 |
| Salaries and employee benefits | $1,397,000 | 5,100 |
| Premises and equipment expense | $387,000 | 4,837 |
| Additional noninterest expense | $621,000 | 5,875 |
| Pre-tax net operating income | $496,000 | 6,690 |
| Securities gains (losses) | $14,000 | 3,435 |
| Applicable income taxes | $204,000 | 4,904 |
| Income before extraordinary items | $306,000 | 7,257 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $306,000 | 7,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,310 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $2,804,000 | 293 |
| Net operating income | $297,040 | 7,149 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,361,000 | 5,312 |
| Total interest expense | $1,267,000 | 4,652 |
| Net interest income | $2,094,000 | 5,573 |
| Provision for loan and lease losses | $287,000 | 2,603 |
| Total noninterest income | $261,000 | 6,310 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $83,000 | 6,443 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $178,000 | 5,010 |
| Total noninterest expense | $1,737,000 | 5,470 |
| Salaries and employee benefits | $998,000 | 5,256 |
| Premises and equipment expense | $293,000 | 4,793 |
| Additional noninterest expense | $446,000 | 6,010 |
| Pre-tax net operating income | $331,000 | 7,022 |
| Securities gains (losses) | $14,000 | 3,164 |
| Applicable income taxes | $138,000 | 5,222 |
| Income before extraordinary items | $207,000 | 7,550 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $207,000 | 7,553 |
| 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 | $2,664,000 | 206 |
| Net operating income | $198,040 | 7,448 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,105,000 | 5,562 |
| Total interest expense | $815,000 | 4,872 |
| Net interest income | $1,290,000 | 5,827 |
| Provision for loan and lease losses | $161,000 | 2,890 |
| Total noninterest income | $196,000 | 6,062 |
| 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 | $144,000 | 4,641 |
| Total noninterest expense | $1,139,000 | 5,520 |
| Salaries and employee benefits | $644,000 | 5,393 |
| Premises and equipment expense | $198,000 | 4,733 |
| Additional noninterest expense | $297,000 | 6,011 |
| Pre-tax net operating income | $186,000 | 7,325 |
| Securities gains (losses) | $14,000 | 2,789 |
| Applicable income taxes | $80,000 | 5,416 |
| Income before extraordinary items | $120,000 | 7,752 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $120,000 | 7,753 |
| 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 | $1,731,000 | 163 |
| Net operating income | $111,040 | 7,666 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,009,000 | 5,742 |
| Total interest expense | $387,000 | 5,135 |
| Net interest income | $622,000 | 5,938 |
| Provision for loan and lease losses | $65,000 | 3,141 |
| Total noninterest income | $74,000 | 6,601 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $28,000 | 6,375 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $46,000 | 5,422 |
| Total noninterest expense | $548,000 | 5,648 |
| Salaries and employee benefits | $319,000 | 5,433 |
| Premises and equipment expense | $99,000 | 4,734 |
| Additional noninterest expense | $130,000 | 6,413 |
| Pre-tax net operating income | $83,000 | 7,472 |
| Securities gains (losses) | $14,000 | 2,056 |
| Applicable income taxes | $39,000 | 5,433 |
| Income before extraordinary items | $58,000 | 7,730 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $58,000 | 7,730 |
| 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 | $483,000 | 142 |
| Net operating income | $49,040 | 7,773 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,881,000 | 6,974 |
| Total interest expense | $1,262,000 | 6,284 |
| Net interest income | $1,619,000 | 7,237 |
| Provision for loan and lease losses | $567,000 | 2,173 |
| Total noninterest income | $139,000 | 7,951 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $70,000 | 7,133 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $69,000 | 7,112 |
| Total noninterest expense | $1,890,000 | 6,078 |
| Salaries and employee benefits | $1,044,000 | 5,973 |
| Premises and equipment expense | $351,000 | 5,085 |
| Additional noninterest expense | $495,000 | 6,529 |
| Pre-tax net operating income | $-699,000 | 9,055 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-280,000 | 9,180 |
| Income before extraordinary items | $-419,000 | 9,014 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-419,000 | 9,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,185 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $86,000 | 660 |
| Net operating income | $-419,000 | 8,966 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,792,000 | 8,425 |
| Total interest expense | $982,000 | 8,060 |
| Net interest income | $810,000 | 8,647 |
| Provision for loan and lease losses | $266,000 | 3,478 |
| Total noninterest income | $48,000 | 9,174 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $36,000 | 7,870 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $12,000 | 9,046 |
| Total noninterest expense | $1,332,000 | 7,157 |
| Salaries and employee benefits | $747,000 | 6,991 |
| Premises and equipment expense | $186,000 | 6,985 |
| Additional noninterest expense | $399,000 | 7,153 |
| Pre-tax net operating income | $-740,000 | 9,265 |
| Securities gains (losses) | $45,000 | 2,460 |
| Applicable income taxes | $-278,000 | 9,415 |
| Income before extraordinary items | $-417,000 | 9,193 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-417,000 | 9,194 |
| 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 | $0 | 922 |
| Net operating income | $-445,800 | 9,167 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $511,000 | 9,691 |
| Total interest expense | $169,000 | 9,692 |
| Net interest income | $342,000 | 9,649 |
| Provision for loan and lease losses | $61,000 | 6,164 |
| Total noninterest income | $7,000 | 9,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $5,000 | 8,504 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 9,744 |
| Total noninterest expense | $891,000 | 8,323 |
| Salaries and employee benefits | $447,000 | 8,513 |
| Premises and equipment expense | $82,000 | 8,748 |
| Additional noninterest expense | $362,000 | 7,461 |
| Pre-tax net operating income | $-603,000 | 9,590 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-314,000 | 9,743 |
| Income before extraordinary items | $-289,000 | 9,441 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-289,000 | 9,439 |
| 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 | $7,426,000 | 114 |
| Net operating income | $-289,000 | 9,441 |
* 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.