Home > Bay Cities Bank > Income and Expense
Bay Cities Bank, Income and Expense
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $16,925,000 | 1,140 |
| Total interest expense | $1,899,000 | 1,118 |
| Net interest income | $15,026,000 | 1,142 |
| Provision for loan and lease losses | $5,174,000 | 162 |
| Total noninterest income | $1,520,000 | 2,116 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $408,000 | 2,010 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,112,000 | 1,888 |
| Total noninterest expense | $15,972,000 | 976 |
| Salaries and employee benefits | $10,373,000 | 830 |
| Premises and equipment expense | $1,511,000 | 1,195 |
| Additional noninterest expense | $4,088,000 | 1,177 |
| Pre-tax net operating income | $-4,600,000 | 6,255 |
| Securities gains (losses) | $0 | 3,031 |
| Applicable income taxes | $-2,009,000 | 6,245 |
| Income before extraordinary items | $-2,591,000 | 6,240 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,591,000 | 6,240 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-2,591,000 | 6,240 |
| Net charge-offs | $4,029,000 | 166 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $-15,350,000 | 6,266 |
| Net operating income | $-2,591,000 | 6,237 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $11,192,000 | 1,149 |
| Total interest expense | $1,276,000 | 1,117 |
| Net interest income | $9,916,000 | 1,150 |
| Provision for loan and lease losses | $3,174,000 | 174 |
| Total noninterest income | $1,207,000 | 1,899 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $264,000 | 2,011 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $943,000 | 1,621 |
| Total noninterest expense | $7,868,000 | 1,276 |
| Salaries and employee benefits | $4,362,000 | 1,274 |
| Premises and equipment expense | $1,017,000 | 1,187 |
| Additional noninterest expense | $2,489,000 | 1,275 |
| Pre-tax net operating income | $81,000 | 5,701 |
| Securities gains (losses) | $0 | 2,636 |
| Applicable income taxes | $-157,000 | 6,269 |
| Income before extraordinary items | $238,000 | 4,961 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $238,000 | 4,962 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $238,000 | 4,964 |
| Net charge-offs | $16,000 | 3,071 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 670 |
| Net operating income | $238,000 | 4,904 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $5,612,000 | 1,143 |
| Total interest expense | $642,000 | 1,112 |
| Net interest income | $4,970,000 | 1,147 |
| Provision for loan and lease losses | $250,000 | 741 |
| Total noninterest income | $800,000 | 1,512 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $130,000 | 2,028 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $670,000 | 1,229 |
| Total noninterest expense | $3,649,000 | 1,349 |
| Salaries and employee benefits | $2,174,000 | 1,284 |
| Premises and equipment expense | $511,000 | 1,180 |
| Additional noninterest expense | $964,000 | 1,576 |
| Pre-tax net operating income | $1,871,000 | 1,116 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $610,000 | 885 |
| Income before extraordinary items | $1,261,000 | 1,314 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $1,261,000 | 1,316 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $1,261,000 | 1,316 |
| Net charge-offs | $7,000 | 2,613 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 636 |
| Net operating income | $1,261,000 | 1,273 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $23,353,000 | 1,101 |
| Total interest expense | $2,861,000 | 1,043 |
| Net interest income | $20,492,000 | 1,098 |
| Provision for loan and lease losses | $542,000 | 1,384 |
| Total noninterest income | $1,926,000 | 2,161 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $467,000 | 2,387 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,459,000 | 1,798 |
| Total noninterest expense | $16,844,000 | 1,187 |
| Salaries and employee benefits | $8,600,000 | 1,247 |
| Premises and equipment expense | $1,969,000 | 1,213 |
| Additional noninterest expense | $6,275,000 | 1,055 |
| Pre-tax net operating income | $5,032,000 | 1,505 |
| Securities gains (losses) | $1,242,000 | 166 |
| Applicable income taxes | $1,971,000 | 992 |
| Income before extraordinary items | $4,303,000 | 1,485 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $4,303,000 | 1,482 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $4,303,000 | 1,484 |
| Net charge-offs | $13,000 | 4,479 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $103,000 | 534 |
| Net operating income | $3,446,020 | 1,756 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $16,170,000 | 1,197 |
| Total interest expense | $2,083,000 | 1,085 |
| Net interest income | $14,087,000 | 1,203 |
| Provision for loan and lease losses | $292,000 | 1,669 |
| Total noninterest income | $1,597,000 | 2,023 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $335,000 | 2,496 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $1,262,000 | 1,656 |
| Total noninterest expense | $12,014,000 | 1,247 |
| Salaries and employee benefits | $6,469,000 | 1,245 |
| Premises and equipment expense | $1,478,000 | 1,221 |
| Additional noninterest expense | $4,067,000 | 1,209 |
| Pre-tax net operating income | $3,378,000 | 1,680 |
| Securities gains (losses) | $1,242,000 | 130 |
| Applicable income taxes | $1,439,000 | 1,033 |
| Income before extraordinary items | $3,181,000 | 1,492 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,181,000 | 1,491 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $3,181,000 | 1,492 |
| Net charge-offs | $-22,000 | 5,816 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $82,000 | 495 |
| Net operating income | $2,324,020 | 1,915 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $10,642,000 | 1,202 |
| Total interest expense | $1,385,000 | 1,089 |
| Net interest income | $9,257,000 | 1,209 |
| Provision for loan and lease losses | $292,000 | 1,331 |
| Total noninterest income | $1,315,000 | 1,701 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $223,000 | 2,473 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $1,092,000 | 1,369 |
| Total noninterest expense | $8,169,000 | 1,227 |
| Salaries and employee benefits | $4,406,000 | 1,224 |
| Premises and equipment expense | $977,000 | 1,239 |
| Additional noninterest expense | $2,786,000 | 1,171 |
| Pre-tax net operating income | $2,111,000 | 1,745 |
| Securities gains (losses) | $1,242,000 | 102 |
| Applicable income taxes | $1,061,000 | 924 |
| Income before extraordinary items | $2,292,000 | 1,369 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,292,000 | 1,369 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $2,292,000 | 1,371 |
| Net charge-offs | $-58,000 | 6,188 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $77,000 | 422 |
| Net operating income | $1,447,440 | 1,991 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $5,356,000 | 1,197 |
| Total interest expense | $693,000 | 1,098 |
| Net interest income | $4,663,000 | 1,202 |
| Provision for loan and lease losses | $147,000 | 1,331 |
| Total noninterest income | $658,000 | 1,671 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $109,000 | 2,492 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $549,000 | 1,325 |
| Total noninterest expense | $4,083,000 | 1,240 |
| Salaries and employee benefits | $2,218,000 | 1,243 |
| Premises and equipment expense | $484,000 | 1,272 |
| Additional noninterest expense | $1,381,000 | 1,156 |
| Pre-tax net operating income | $1,091,000 | 1,640 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $313,000 | 1,306 |
| Income before extraordinary items | $778,000 | 1,850 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $778,000 | 1,854 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $778,000 | 1,853 |
| Net charge-offs | $-100,000 | 6,469 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 657 |
| Net operating income | $778,000 | 1,815 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $20,726,000 | 1,229 |
| Total interest expense | $3,038,000 | 1,107 |
| Net interest income | $17,688,000 | 1,247 |
| Provision for loan and lease losses | $314,000 | 2,390 |
| Total noninterest income | $4,490,000 | 1,225 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $578,000 | 2,131 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,912,000 | 953 |
| Total noninterest expense | $17,320,000 | 1,182 |
| Salaries and employee benefits | $8,370,000 | 1,272 |
| Premises and equipment expense | $1,914,000 | 1,229 |
| Additional noninterest expense | $7,036,000 | 962 |
| Pre-tax net operating income | $4,544,000 | 1,541 |
| Securities gains (losses) | $597,000 | 386 |
| Applicable income taxes | $1,405,000 | 1,170 |
| Income before extraordinary items | $3,736,000 | 1,589 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,736,000 | 1,593 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $3,736,000 | 1,593 |
| Net charge-offs | $714,000 | 1,619 |
| Cash dividends | $134,000 | 3,833 |
| Sale, conversion, retirement of capital stock, net | $111,000 | 526 |
| Net operating income | $3,300,190 | 1,719 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $15,399,000 | 1,245 |
| Total interest expense | $2,318,000 | 1,127 |
| Net interest income | $13,081,000 | 1,258 |
| Provision for loan and lease losses | $609,000 | 1,308 |
| Total noninterest income | $3,782,000 | 1,151 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $457,000 | 2,040 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $3,325,000 | 909 |
| Total noninterest expense | $12,906,000 | 1,193 |
| Salaries and employee benefits | $6,047,000 | 1,323 |
| Premises and equipment expense | $1,433,000 | 1,247 |
| Additional noninterest expense | $5,426,000 | 933 |
| Pre-tax net operating income | $3,348,000 | 1,592 |
| Securities gains (losses) | $597,000 | 348 |
| Applicable income taxes | $1,180,000 | 1,105 |
| Income before extraordinary items | $2,765,000 | 1,623 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $2,765,000 | 1,625 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,765,000 | 1,627 |
| Net charge-offs | $646,000 | 1,358 |
| Cash dividends | $134,000 | 3,188 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 655 |
| Net operating income | $2,347,100 | 1,816 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $10,173,000 | 1,248 |
| Total interest expense | $1,576,000 | 1,134 |
| Net interest income | $8,597,000 | 1,263 |
| Provision for loan and lease losses | $624,000 | 959 |
| Total noninterest income | $2,835,000 | 1,068 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $331,000 | 1,892 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $2,504,000 | 839 |
| Total noninterest expense | $8,652,000 | 1,174 |
| Salaries and employee benefits | $3,990,000 | 1,330 |
| Premises and equipment expense | $958,000 | 1,249 |
| Additional noninterest expense | $3,704,000 | 915 |
| Pre-tax net operating income | $2,156,000 | 1,615 |
| Securities gains (losses) | $597,000 | 308 |
| Applicable income taxes | $834,000 | 1,065 |
| Income before extraordinary items | $1,919,000 | 1,581 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,919,000 | 1,584 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,919,000 | 1,586 |
| Net charge-offs | $603,000 | 1,096 |
| Cash dividends | $134,000 | 2,826 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 623 |
| Net operating income | $1,501,100 | 1,856 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $5,078,000 | 1,258 |
| Total interest expense | $820,000 | 1,125 |
| Net interest income | $4,258,000 | 1,270 |
| Provision for loan and lease losses | $507,000 | 686 |
| Total noninterest income | $2,055,000 | 808 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $209,000 | 1,566 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,846,000 | 626 |
| Total noninterest expense | $4,746,000 | 1,080 |
| Salaries and employee benefits | $2,016,000 | 1,330 |
| Premises and equipment expense | $498,000 | 1,215 |
| Additional noninterest expense | $2,232,000 | 764 |
| Pre-tax net operating income | $1,060,000 | 1,623 |
| Securities gains (losses) | $597,000 | 184 |
| Applicable income taxes | $521,000 | 882 |
| Income before extraordinary items | $1,136,000 | 1,320 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $1,136,000 | 1,323 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $1,136,000 | 1,322 |
| Net charge-offs | $-330,000 | 6,952 |
| Cash dividends | $70,000 | 2,238 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 578 |
| Net operating income | $724,070 | 1,866 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $21,071,000 | 1,262 |
| Total interest expense | $4,192,000 | 1,078 |
| Net interest income | $16,879,000 | 1,296 |
| Provision for loan and lease losses | $2,901,000 | 790 |
| Total noninterest income | $5,603,000 | 1,058 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $973,000 | 1,453 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $4,630,000 | 864 |
| Total noninterest expense | $16,081,000 | 1,254 |
| Salaries and employee benefits | $7,730,000 | 1,335 |
| Premises and equipment expense | $1,970,000 | 1,199 |
| Additional noninterest expense | $6,381,000 | 1,081 |
| Pre-tax net operating income | $3,500,000 | 1,820 |
| Securities gains (losses) | $437,000 | 1,044 |
| Applicable income taxes | $1,074,000 | 1,399 |
| Income before extraordinary items | $2,863,000 | 1,938 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,863,000 | 1,936 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $2,863,000 | 1,939 |
| Net charge-offs | $3,591,000 | 746 |
| Cash dividends | $457,000 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $70,000 | 636 |
| Net operating income | $2,543,990 | 2,014 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $15,950,000 | 1,276 |
| Total interest expense | $3,282,000 | 1,087 |
| Net interest income | $12,668,000 | 1,312 |
| Provision for loan and lease losses | $2,177,000 | 792 |
| Total noninterest income | $3,380,000 | 1,231 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $705,000 | 1,498 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $2,675,000 | 1,027 |
| Total noninterest expense | $11,395,000 | 1,313 |
| Salaries and employee benefits | $5,805,000 | 1,330 |
| Premises and equipment expense | $1,495,000 | 1,191 |
| Additional noninterest expense | $4,095,000 | 1,245 |
| Pre-tax net operating income | $2,476,000 | 1,993 |
| Securities gains (losses) | $332,000 | 1,026 |
| Applicable income taxes | $760,000 | 1,493 |
| Income before extraordinary items | $2,048,000 | 2,064 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,048,000 | 2,063 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,048,000 | 2,065 |
| Net charge-offs | $2,535,000 | 769 |
| Cash dividends | $418,000 | 2,232 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 588 |
| Net operating income | $1,805,640 | 2,166 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $10,659,000 | 1,294 |
| Total interest expense | $2,296,000 | 1,065 |
| Net interest income | $8,363,000 | 1,324 |
| Provision for loan and lease losses | $1,993,000 | 643 |
| Total noninterest income | $2,574,000 | 1,102 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $441,000 | 1,575 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,133,000 | 878 |
| Total noninterest expense | $7,411,000 | 1,340 |
| Salaries and employee benefits | $3,844,000 | 1,340 |
| Premises and equipment expense | $1,006,000 | 1,178 |
| Additional noninterest expense | $2,561,000 | 1,323 |
| Pre-tax net operating income | $1,533,000 | 2,104 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $376,000 | 1,794 |
| Income before extraordinary items | $1,157,000 | 2,338 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,157,000 | 2,337 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,157,000 | 2,338 |
| Net charge-offs | $1,906,000 | 718 |
| Cash dividends | $250,000 | 2,314 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 556 |
| Net operating income | $1,157,000 | 2,201 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $5,423,000 | 1,271 |
| Total interest expense | $1,236,000 | 1,031 |
| Net interest income | $4,187,000 | 1,320 |
| Provision for loan and lease losses | $959,000 | 644 |
| Total noninterest income | $1,315,000 | 1,075 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $191,000 | 1,770 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,124,000 | 828 |
| Total noninterest expense | $3,735,000 | 1,327 |
| Salaries and employee benefits | $1,908,000 | 1,355 |
| Premises and equipment expense | $517,000 | 1,159 |
| Additional noninterest expense | $1,310,000 | 1,275 |
| Pre-tax net operating income | $808,000 | 2,014 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $204,000 | 1,703 |
| Income before extraordinary items | $604,000 | 2,248 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $604,000 | 2,250 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $604,000 | 2,251 |
| Net charge-offs | $1,032,000 | 662 |
| Cash dividends | $211,000 | 1,541 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 505 |
| Net operating income | $604,000 | 2,134 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $23,451,000 | 1,220 |
| Total interest expense | $6,220,000 | 980 |
| Net interest income | $17,231,000 | 1,290 |
| Provision for loan and lease losses | $13,960,000 | 315 |
| Total noninterest income | $-130,000 | 7,098 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $801,000 | 1,785 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-931,000 | 7,192 |
| Total noninterest expense | $15,377,000 | 1,282 |
| Salaries and employee benefits | $6,776,000 | 1,458 |
| Premises and equipment expense | $2,049,000 | 1,220 |
| Additional noninterest expense | $6,552,000 | 1,067 |
| Pre-tax net operating income | $-12,236,000 | 7,241 |
| Securities gains (losses) | $50,000 | 2,589 |
| Applicable income taxes | $-4,963,000 | 7,308 |
| Income before extraordinary items | $-7,223,000 | 7,149 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-7,223,000 | 7,147 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-7,223,000 | 7,150 |
| Net charge-offs | $13,891,000 | 340 |
| Cash dividends | $259,000 | 3,134 |
| Sale, conversion, retirement of capital stock, net | $74,000 | 727 |
| Net operating income | $-7,255,000 | 7,144 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $17,981,000 | 1,208 |
| Total interest expense | $4,882,000 | 979 |
| Net interest income | $13,099,000 | 1,275 |
| Provision for loan and lease losses | $4,930,000 | 626 |
| Total noninterest income | $814,000 | 2,966 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $583,000 | 1,828 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $231,000 | 3,873 |
| Total noninterest expense | $11,955,000 | 1,234 |
| Salaries and employee benefits | $5,414,000 | 1,378 |
| Premises and equipment expense | $1,588,000 | 1,188 |
| Additional noninterest expense | $4,953,000 | 1,061 |
| Pre-tax net operating income | $-2,972,000 | 7,106 |
| Securities gains (losses) | $50,000 | 2,333 |
| Applicable income taxes | $-1,376,000 | 7,336 |
| Income before extraordinary items | $-1,546,000 | 6,989 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,546,000 | 6,990 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-1,546,000 | 6,990 |
| Net charge-offs | $3,135,000 | 915 |
| Cash dividends | $259,000 | 2,473 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 688 |
| Net operating income | $-1,578,000 | 6,974 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $12,490,000 | 1,163 |
| Total interest expense | $3,356,000 | 990 |
| Net interest income | $9,134,000 | 1,225 |
| Provision for loan and lease losses | $1,375,000 | 1,211 |
| Total noninterest income | $1,097,000 | 1,863 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $380,000 | 1,841 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $717,000 | 1,694 |
| Total noninterest expense | $8,159,000 | 1,223 |
| Salaries and employee benefits | $3,565,000 | 1,407 |
| Premises and equipment expense | $1,045,000 | 1,230 |
| Additional noninterest expense | $3,549,000 | 1,020 |
| Pre-tax net operating income | $697,000 | 3,190 |
| Securities gains (losses) | $50,000 | 1,598 |
| Applicable income taxes | $99,000 | 2,871 |
| Income before extraordinary items | $648,000 | 3,052 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $648,000 | 3,055 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $648,000 | 3,055 |
| Net charge-offs | $610,000 | 1,938 |
| Cash dividends | $129,000 | 2,631 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 612 |
| Net operating income | $604,500 | 3,091 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $6,237,000 | 1,177 |
| Total interest expense | $1,773,000 | 955 |
| Net interest income | $4,464,000 | 1,253 |
| Provision for loan and lease losses | $823,000 | 992 |
| Total noninterest income | $787,000 | 1,438 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $202,000 | 1,736 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $585,000 | 1,205 |
| Total noninterest expense | $4,069,000 | 1,228 |
| Salaries and employee benefits | $1,778,000 | 1,422 |
| Premises and equipment expense | $541,000 | 1,210 |
| Additional noninterest expense | $1,750,000 | 1,013 |
| Pre-tax net operating income | $359,000 | 3,194 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $46,000 | 2,886 |
| Income before extraordinary items | $313,000 | 3,145 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $313,000 | 3,141 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $313,000 | 3,145 |
| Net charge-offs | $508,000 | 1,323 |
| Cash dividends | $129,000 | 1,727 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 571 |
| Net operating income | $313,000 | 3,083 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $23,146,000 | 1,330 |
| Total interest expense | $8,365,000 | 1,000 |
| Net interest income | $14,781,000 | 1,514 |
| Provision for loan and lease losses | $9,637,000 | 678 |
| Total noninterest income | $8,543,000 | 707 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $794,000 | 1,842 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $7,749,000 | 546 |
| Total noninterest expense | $14,234,000 | 1,400 |
| Salaries and employee benefits | $5,778,000 | 1,682 |
| Premises and equipment expense | $2,076,000 | 1,247 |
| Additional noninterest expense | $6,380,000 | 1,160 |
| Pre-tax net operating income | $-547,000 | 6,278 |
| Securities gains (losses) | $1,946,000 | 275 |
| Applicable income taxes | $214,000 | 2,662 |
| Income before extraordinary items | $1,185,000 | 2,940 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,185,000 | 2,936 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,185,000 | 2,940 |
| Net charge-offs | $14,924,000 | 438 |
| Cash dividends | $518,000 | 2,299 |
| Sale, conversion, retirement of capital stock, net | $448,000 | 489 |
| Net operating income | $-469,100 | 6,301 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $17,148,000 | 1,363 |
| Total interest expense | $6,335,000 | 1,025 |
| Net interest income | $10,813,000 | 1,564 |
| Provision for loan and lease losses | $3,388,000 | 1,172 |
| Total noninterest income | $2,631,000 | 1,368 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,621,000 | 712 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,010,000 | 1,790 |
| Total noninterest expense | $10,711,000 | 1,394 |
| Salaries and employee benefits | $4,223,000 | 1,736 |
| Premises and equipment expense | $1,566,000 | 1,258 |
| Additional noninterest expense | $4,922,000 | 1,094 |
| Pre-tax net operating income | $-655,000 | 6,627 |
| Securities gains (losses) | $1,335,000 | 326 |
| Applicable income taxes | $21,000 | 3,981 |
| Income before extraordinary items | $659,000 | 3,610 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $659,000 | 3,608 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $659,000 | 3,610 |
| Net charge-offs | $9,149,000 | 490 |
| Cash dividends | $388,000 | 2,087 |
| Sale, conversion, retirement of capital stock, net | $432,000 | 398 |
| Net operating income | $-635,950 | 6,687 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $11,509,000 | 1,375 |
| Total interest expense | $4,287,000 | 1,046 |
| Net interest income | $7,222,000 | 1,572 |
| Provision for loan and lease losses | $459,000 | 2,978 |
| Total noninterest income | $1,891,000 | 1,285 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,070,000 | 720 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $821,000 | 1,496 |
| Total noninterest expense | $7,353,000 | 1,354 |
| Salaries and employee benefits | $2,807,000 | 1,745 |
| Premises and equipment expense | $1,053,000 | 1,255 |
| Additional noninterest expense | $3,493,000 | 1,016 |
| Pre-tax net operating income | $1,301,000 | 1,923 |
| Securities gains (losses) | $594,000 | 406 |
| Applicable income taxes | $558,000 | 1,112 |
| Income before extraordinary items | $1,337,000 | 1,640 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,337,000 | 1,639 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,337,000 | 1,640 |
| Net charge-offs | $5,316,000 | 548 |
| Cash dividends | $259,000 | 2,068 |
| Sale, conversion, retirement of capital stock, net | $417,000 | 288 |
| Net operating income | $915,260 | 2,201 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $5,715,000 | 1,417 |
| Total interest expense | $2,182,000 | 1,078 |
| Net interest income | $3,533,000 | 1,622 |
| Provision for loan and lease losses | $190,000 | 3,073 |
| Total noninterest income | $1,228,000 | 1,035 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $571,000 | 673 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $657,000 | 1,060 |
| Total noninterest expense | $3,295,000 | 1,527 |
| Salaries and employee benefits | $1,428,000 | 1,752 |
| Premises and equipment expense | $530,000 | 1,295 |
| Additional noninterest expense | $1,337,000 | 1,329 |
| Pre-tax net operating income | $1,276,000 | 1,042 |
| Securities gains (losses) | $274,000 | 416 |
| Applicable income taxes | $506,000 | 700 |
| Income before extraordinary items | $1,044,000 | 1,050 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,044,000 | 1,050 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $1,044,000 | 1,052 |
| Net charge-offs | $1,887,000 | 670 |
| Cash dividends | $129,000 | 1,709 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 885 |
| Net operating income | $860,420 | 1,237 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $21,658,000 | 1,586 |
| Total interest expense | $10,359,000 | 1,155 |
| Net interest income | $11,299,000 | 1,957 |
| Provision for loan and lease losses | $14,070,000 | 644 |
| Total noninterest income | $3,211,000 | 1,532 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $2,763,000 | 607 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $448,000 | 3,380 |
| Total noninterest expense | $14,332,000 | 1,435 |
| Salaries and employee benefits | $5,102,000 | 1,933 |
| Premises and equipment expense | $1,734,000 | 1,555 |
| Additional noninterest expense | $7,496,000 | 1,033 |
| Pre-tax net operating income | $-13,892,000 | 7,605 |
| Securities gains (losses) | $776,000 | 621 |
| Applicable income taxes | $-5,110,000 | 7,760 |
| Income before extraordinary items | $-8,006,000 | 7,486 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-8,006,000 | 7,484 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-8,006,000 | 7,485 |
| Net charge-offs | $9,948,000 | 687 |
| Cash dividends | $381,000 | 2,929 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 1,154 |
| Net operating income | $-8,502,640 | 7,512 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $16,035,000 | 1,630 |
| Total interest expense | $8,002,000 | 1,172 |
| Net interest income | $8,033,000 | 2,050 |
| Provision for loan and lease losses | $7,433,000 | 786 |
| Total noninterest income | $2,500,000 | 1,514 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $2,118,000 | 594 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $382,000 | 3,265 |
| Total noninterest expense | $11,007,000 | 1,392 |
| Salaries and employee benefits | $3,884,000 | 1,927 |
| Premises and equipment expense | $1,304,000 | 1,578 |
| Additional noninterest expense | $5,819,000 | 971 |
| Pre-tax net operating income | $-7,907,000 | 7,672 |
| Securities gains (losses) | $776,000 | 485 |
| Applicable income taxes | $-2,798,000 | 7,793 |
| Income before extraordinary items | $-4,333,000 | 7,525 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-4,333,000 | 7,525 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-4,333,000 | 7,525 |
| Net charge-offs | $5,441,000 | 768 |
| Cash dividends | $252,000 | 2,823 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 1,072 |
| Net operating income | $-4,829,640 | 7,570 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $10,520,000 | 1,688 |
| Total interest expense | $5,484,000 | 1,199 |
| Net interest income | $5,036,000 | 2,176 |
| Provision for loan and lease losses | $7,387,000 | 564 |
| Total noninterest income | $1,704,000 | 1,509 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,443,000 | 574 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $261,000 | 3,233 |
| Total noninterest expense | $7,807,000 | 1,336 |
| Salaries and employee benefits | $2,723,000 | 1,856 |
| Premises and equipment expense | $870,000 | 1,603 |
| Additional noninterest expense | $4,214,000 | 905 |
| Pre-tax net operating income | $-8,454,000 | 7,883 |
| Securities gains (losses) | $672,000 | 399 |
| Applicable income taxes | $-3,015,000 | 7,972 |
| Income before extraordinary items | $-4,767,000 | 7,787 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-4,767,000 | 7,786 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-4,767,000 | 7,786 |
| Net charge-offs | $5,441,000 | 556 |
| Cash dividends | $122,000 | 3,125 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 1,044 |
| Net operating income | $-5,197,080 | 7,822 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,111,000 | 1,759 |
| Total interest expense | $2,659,000 | 1,293 |
| Net interest income | $2,452,000 | 2,239 |
| Provision for loan and lease losses | $5,287,000 | 389 |
| Total noninterest income | $904,000 | 1,404 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $743,000 | 542 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $161,000 | 2,856 |
| Total noninterest expense | $3,084,000 | 1,636 |
| Salaries and employee benefits | $1,364,000 | 1,886 |
| Premises and equipment expense | $443,000 | 1,607 |
| Additional noninterest expense | $1,277,000 | 1,293 |
| Pre-tax net operating income | $-5,015,000 | 8,029 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-1,920,000 | 8,087 |
| Income before extraordinary items | $-3,095,000 | 7,980 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-3,095,000 | 7,981 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-3,095,000 | 7,981 |
| Net charge-offs | $2,582,000 | 506 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 938 |
| Net operating income | $-3,095,000 | 7,984 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $22,334,000 | 1,731 |
| Total interest expense | $10,349,000 | 1,570 |
| Net interest income | $11,985,000 | 1,861 |
| Provision for loan and lease losses | $8,193,000 | 697 |
| Total noninterest income | $3,526,000 | 1,396 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,797,000 | 620 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $729,000 | 2,591 |
| Total noninterest expense | $10,993,000 | 1,766 |
| Salaries and employee benefits | $5,049,000 | 1,999 |
| Premises and equipment expense | $1,778,000 | 1,558 |
| Additional noninterest expense | $4,166,000 | 1,482 |
| Pre-tax net operating income | $-3,675,000 | 7,693 |
| Securities gains (losses) | $757,000 | 270 |
| Applicable income taxes | $-1,410,000 | 7,822 |
| Income before extraordinary items | $-1,508,000 | 7,210 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,508,000 | 7,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,047,000 | 682 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 1,231 |
| Net operating income | $-1,992,480 | 7,472 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $16,537,000 | 1,793 |
| Total interest expense | $7,723,000 | 1,632 |
| Net interest income | $8,814,000 | 1,923 |
| Provision for loan and lease losses | $2,473,000 | 1,029 |
| Total noninterest income | $2,632,000 | 1,447 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $2,056,000 | 645 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $576,000 | 2,590 |
| Total noninterest expense | $8,254,000 | 1,752 |
| Salaries and employee benefits | $3,919,000 | 1,967 |
| Premises and equipment expense | $1,348,000 | 1,548 |
| Additional noninterest expense | $2,987,000 | 1,492 |
| Pre-tax net operating income | $719,000 | 4,287 |
| Securities gains (losses) | $108,000 | 917 |
| Applicable income taxes | $-3,000 | 7,260 |
| Income before extraordinary items | $830,000 | 3,490 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $830,000 | 3,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $952,000 | 1,351 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 1,110 |
| Net operating income | $722,000 | 3,903 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $10,699,000 | 1,857 |
| Total interest expense | $5,138,000 | 1,712 |
| Net interest income | $5,561,000 | 2,002 |
| Provision for loan and lease losses | $1,149,000 | 1,130 |
| Total noninterest income | $1,696,000 | 1,504 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,278,000 | 677 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $418,000 | 2,523 |
| Total noninterest expense | $5,483,000 | 1,758 |
| Salaries and employee benefits | $2,604,000 | 1,998 |
| Premises and equipment expense | $906,000 | 1,538 |
| Additional noninterest expense | $1,973,000 | 1,490 |
| Pre-tax net operating income | $625,000 | 3,929 |
| Securities gains (losses) | $108,000 | 913 |
| Applicable income taxes | $124,000 | 3,220 |
| Income before extraordinary items | $609,000 | 3,613 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $609,000 | 3,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,731 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,054 |
| Net operating income | $519,360 | 3,890 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,341,000 | 1,912 |
| Total interest expense | $2,627,000 | 1,796 |
| Net interest income | $2,714,000 | 2,056 |
| Provision for loan and lease losses | $502,000 | 992 |
| Total noninterest income | $731,000 | 1,685 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $482,000 | 895 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $249,000 | 2,230 |
| Total noninterest expense | $2,721,000 | 1,765 |
| Salaries and employee benefits | $1,301,000 | 2,026 |
| Premises and equipment expense | $465,000 | 1,498 |
| Additional noninterest expense | $955,000 | 1,507 |
| Pre-tax net operating income | $222,000 | 4,758 |
| Securities gains (losses) | $108,000 | 681 |
| Applicable income taxes | $21,000 | 4,341 |
| Income before extraordinary items | $309,000 | 3,737 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $309,000 | 3,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 944 |
| Net operating income | $207,480 | 4,496 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $21,565,000 | 1,961 |
| Total interest expense | $10,894,000 | 1,827 |
| Net interest income | $10,671,000 | 2,122 |
| Provision for loan and lease losses | $998,000 | 1,426 |
| Total noninterest income | $3,002,000 | 1,639 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,686,000 | 1,058 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,316,000 | 1,843 |
| Total noninterest expense | $10,078,000 | 1,834 |
| Salaries and employee benefits | $4,853,000 | 2,080 |
| Premises and equipment expense | $1,602,000 | 1,648 |
| Additional noninterest expense | $3,623,000 | 1,524 |
| Pre-tax net operating income | $2,597,000 | 2,743 |
| Securities gains (losses) | $7,000 | 1,467 |
| Applicable income taxes | $574,000 | 2,570 |
| Income before extraordinary items | $2,030,000 | 2,784 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,030,000 | 2,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $387,000 | 1,984 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,024,540 | 2,774 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $16,011,000 | 1,978 |
| Total interest expense | $8,050,000 | 1,848 |
| Net interest income | $7,961,000 | 2,140 |
| Provision for loan and lease losses | $491,000 | 1,598 |
| Total noninterest income | $2,409,000 | 1,566 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,341,000 | 980 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,068,000 | 1,747 |
| Total noninterest expense | $7,633,000 | 1,796 |
| Salaries and employee benefits | $3,690,000 | 2,036 |
| Premises and equipment expense | $1,155,000 | 1,701 |
| Additional noninterest expense | $2,788,000 | 1,455 |
| Pre-tax net operating income | $2,246,000 | 2,627 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $578,000 | 2,346 |
| Income before extraordinary items | $1,668,000 | 2,751 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,668,000 | 2,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 2,664 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,668,000 | 2,736 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,402,000 | 2,043 |
| Total interest expense | $5,254,000 | 1,883 |
| Net interest income | $5,148,000 | 2,238 |
| Provision for loan and lease losses | $264,000 | 1,724 |
| Total noninterest income | $1,847,000 | 1,404 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $882,000 | 1,001 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $965,000 | 1,437 |
| Total noninterest expense | $4,941,000 | 1,866 |
| Salaries and employee benefits | $2,503,000 | 2,034 |
| Premises and equipment expense | $795,000 | 1,671 |
| Additional noninterest expense | $1,643,000 | 1,649 |
| Pre-tax net operating income | $1,790,000 | 2,349 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $477,000 | 2,136 |
| Income before extraordinary items | $1,313,000 | 2,457 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,313,000 | 2,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,313,000 | 2,442 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,155,000 | 2,056 |
| Total interest expense | $2,644,000 | 1,863 |
| Net interest income | $2,511,000 | 2,287 |
| Provision for loan and lease losses | $86,000 | 2,275 |
| Total noninterest income | $1,250,000 | 1,098 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $381,000 | 1,128 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $869,000 | 941 |
| Total noninterest expense | $2,478,000 | 1,862 |
| Salaries and employee benefits | $1,269,000 | 2,026 |
| Premises and equipment expense | $390,000 | 1,711 |
| Additional noninterest expense | $819,000 | 1,638 |
| Pre-tax net operating income | $1,197,000 | 1,868 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $367,000 | 1,613 |
| Income before extraordinary items | $830,000 | 2,001 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $830,000 | 2,001 |
| 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 | $830,000 | 1,989 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $18,332,000 | 2,146 |
| Total interest expense | $9,379,000 | 1,787 |
| Net interest income | $8,953,000 | 2,519 |
| Provision for loan and lease losses | $299,000 | 2,820 |
| Total noninterest income | $1,725,000 | 2,463 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,511,000 | 1,173 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $214,000 | 4,989 |
| Total noninterest expense | $8,374,000 | 2,105 |
| Salaries and employee benefits | $4,259,000 | 2,299 |
| Premises and equipment expense | $1,589,000 | 1,614 |
| Additional noninterest expense | $2,526,000 | 2,089 |
| Pre-tax net operating income | $2,005,000 | 3,641 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $504,000 | 3,149 |
| Income before extraordinary items | $1,501,000 | 3,774 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,501,000 | 3,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,239 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 383 |
| Net operating income | $1,501,000 | 3,756 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,338,000 | 2,191 |
| Total interest expense | $6,710,000 | 1,808 |
| Net interest income | $6,628,000 | 2,580 |
| Provision for loan and lease losses | $280,000 | 2,271 |
| Total noninterest income | $1,380,000 | 2,365 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,218,000 | 1,099 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $162,000 | 4,975 |
| Total noninterest expense | $6,584,000 | 2,007 |
| Salaries and employee benefits | $3,416,000 | 2,154 |
| Premises and equipment expense | $1,212,000 | 1,604 |
| Additional noninterest expense | $1,956,000 | 1,999 |
| Pre-tax net operating income | $1,144,000 | 4,424 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $289,000 | 3,636 |
| Income before extraordinary items | $855,000 | 4,550 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $855,000 | 4,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,812 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 290 |
| Net operating income | $855,000 | 4,534 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,678,000 | 2,211 |
| Total interest expense | $4,248,000 | 1,808 |
| Net interest income | $4,430,000 | 2,577 |
| Provision for loan and lease losses | $217,000 | 1,979 |
| Total noninterest income | $1,015,000 | 2,197 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $913,000 | 953 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $102,000 | 5,085 |
| Total noninterest expense | $4,463,000 | 1,977 |
| Salaries and employee benefits | $2,308,000 | 2,125 |
| Premises and equipment expense | $810,000 | 1,596 |
| Additional noninterest expense | $1,345,000 | 1,953 |
| Pre-tax net operating income | $765,000 | 4,427 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $184,000 | 3,722 |
| Income before extraordinary items | $581,000 | 4,522 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $581,000 | 4,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,063 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 199 |
| Net operating income | $581,000 | 4,513 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,249,000 | 2,208 |
| Total interest expense | $2,000,000 | 1,819 |
| Net interest income | $2,249,000 | 2,521 |
| Provision for loan and lease losses | $110,000 | 1,864 |
| Total noninterest income | $639,000 | 1,826 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $586,000 | 716 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $53,000 | 5,003 |
| Total noninterest expense | $2,174,000 | 2,030 |
| Salaries and employee benefits | $1,127,000 | 2,191 |
| Premises and equipment expense | $354,000 | 1,793 |
| Additional noninterest expense | $693,000 | 1,891 |
| Pre-tax net operating income | $604,000 | 3,294 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $180,000 | 2,752 |
| Income before extraordinary items | $424,000 | 3,541 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $424,000 | 3,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 101 |
| Net operating income | $424,000 | 3,519 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,862,000 | 2,562 |
| Total interest expense | $5,454,000 | 2,049 |
| Net interest income | $7,408,000 | 2,892 |
| Provision for loan and lease losses | $471,000 | 2,002 |
| Total noninterest income | $1,206,000 | 3,138 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,026,000 | 1,688 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $180,000 | 5,377 |
| Total noninterest expense | $6,269,000 | 2,644 |
| Salaries and employee benefits | $3,389,000 | 2,668 |
| Premises and equipment expense | $1,051,000 | 2,266 |
| Additional noninterest expense | $1,829,000 | 2,719 |
| Pre-tax net operating income | $1,874,000 | 3,839 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $730,000 | 2,744 |
| Income before extraordinary items | $1,144,000 | 4,465 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,144,000 | 4,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,509 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $6,000,000 | 275 |
| Net operating income | $1,144,000 | 4,421 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,873,000 | 2,690 |
| Total interest expense | $3,528,000 | 2,198 |
| Net interest income | $5,345,000 | 2,985 |
| Provision for loan and lease losses | $243,000 | 2,595 |
| Total noninterest income | $799,000 | 3,405 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $691,000 | 1,858 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $108,000 | 5,816 |
| Total noninterest expense | $4,523,000 | 2,706 |
| Salaries and employee benefits | $2,434,000 | 2,737 |
| Premises and equipment expense | $713,000 | 2,469 |
| Additional noninterest expense | $1,376,000 | 2,680 |
| Pre-tax net operating income | $1,378,000 | 3,975 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $502,000 | 2,929 |
| Income before extraordinary items | $876,000 | 4,524 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $876,000 | 4,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,107 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $6,000,000 | 195 |
| Net operating income | $876,000 | 4,482 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,541,000 | 2,779 |
| Total interest expense | $2,112,000 | 2,318 |
| Net interest income | $3,429,000 | 3,051 |
| Provision for loan and lease losses | $50,000 | 4,523 |
| Total noninterest income | $466,000 | 3,694 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $370,000 | 2,207 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $96,000 | 5,271 |
| Total noninterest expense | $2,784,000 | 2,898 |
| Salaries and employee benefits | $1,498,000 | 2,927 |
| Premises and equipment expense | $413,000 | 2,765 |
| Additional noninterest expense | $873,000 | 2,798 |
| Pre-tax net operating income | $1,061,000 | 3,565 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $387,000 | 2,665 |
| Income before extraordinary items | $674,000 | 4,094 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $674,000 | 4,095 |
| 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 | $3,000,000 | 168 |
| Net operating income | $674,000 | 4,038 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,662,000 | 2,841 |
| Total interest expense | $937,000 | 2,465 |
| Net interest income | $1,725,000 | 3,027 |
| Provision for loan and lease losses | $21,000 | 4,581 |
| Total noninterest income | $211,000 | 3,842 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $180,000 | 2,198 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $31,000 | 6,124 |
| Total noninterest expense | $1,288,000 | 3,117 |
| Salaries and employee benefits | $699,000 | 3,124 |
| Premises and equipment expense | $187,000 | 3,046 |
| Additional noninterest expense | $402,000 | 3,002 |
| Pre-tax net operating income | $627,000 | 3,126 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $229,000 | 2,385 |
| Income before extraordinary items | $398,000 | 3,634 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $398,000 | 3,636 |
| 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 | $3,000,000 | 81 |
| Net operating income | $398,000 | 3,595 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,119,000 | 3,068 |
| Total interest expense | $3,420,000 | 2,354 |
| Net interest income | $5,699,000 | 3,430 |
| Provision for loan and lease losses | $428,000 | 2,242 |
| Total noninterest income | $504,000 | 5,237 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $367,000 | 3,831 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $137,000 | 5,850 |
| Total noninterest expense | $3,865,000 | 3,874 |
| Salaries and employee benefits | $1,991,000 | 4,013 |
| Premises and equipment expense | $652,000 | 3,315 |
| Additional noninterest expense | $1,222,000 | 3,686 |
| Pre-tax net operating income | $1,910,000 | 3,608 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $718,000 | 2,722 |
| Income before extraordinary items | $1,192,000 | 4,224 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,192,000 | 4,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,745 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $3,000,000 | 287 |
| Net operating income | $1,192,000 | 4,158 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,704,000 | 3,094 |
| Total interest expense | $2,491,000 | 2,373 |
| Net interest income | $4,213,000 | 3,452 |
| Provision for loan and lease losses | $347,000 | 2,031 |
| Total noninterest income | $324,000 | 5,656 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $252,000 | 4,081 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $72,000 | 6,503 |
| Total noninterest expense | $2,775,000 | 3,953 |
| Salaries and employee benefits | $1,374,000 | 4,259 |
| Premises and equipment expense | $488,000 | 3,316 |
| Additional noninterest expense | $913,000 | 3,674 |
| Pre-tax net operating income | $1,415,000 | 3,726 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $532,000 | 2,796 |
| Income before extraordinary items | $883,000 | 4,332 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $883,000 | 4,333 |
| 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 | $3,000,000 | 205 |
| Net operating income | $883,000 | 4,254 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,398,000 | 3,124 |
| Total interest expense | $1,656,000 | 2,344 |
| Net interest income | $2,742,000 | 3,505 |
| Provision for loan and lease losses | $308,000 | 1,494 |
| Total noninterest income | $185,000 | 5,997 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $64,000 | 6,133 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $121,000 | 4,767 |
| Total noninterest expense | $1,788,000 | 4,095 |
| Salaries and employee benefits | $858,000 | 4,479 |
| Premises and equipment expense | $312,000 | 3,437 |
| Additional noninterest expense | $618,000 | 3,658 |
| Pre-tax net operating income | $831,000 | 4,008 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $316,000 | 2,990 |
| Income before extraordinary items | $515,000 | 4,664 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $515,000 | 4,665 |
| 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 | $3,000,000 | 133 |
| Net operating income | $515,000 | 4,570 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,156,000 | 3,184 |
| Total interest expense | $807,000 | 2,423 |
| Net interest income | $1,349,000 | 3,550 |
| Provision for loan and lease losses | $215,000 | 1,093 |
| Total noninterest income | $86,000 | 6,123 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $61,000 | 4,756 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $25,000 | 6,426 |
| Total noninterest expense | $863,000 | 4,227 |
| Salaries and employee benefits | $418,000 | 4,588 |
| Premises and equipment expense | $158,000 | 3,442 |
| Additional noninterest expense | $287,000 | 3,877 |
| Pre-tax net operating income | $357,000 | 4,374 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $134,000 | 3,301 |
| Income before extraordinary items | $223,000 | 5,052 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $223,000 | 5,051 |
| 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 | $3,000,000 | 68 |
| Net operating income | $223,000 | 4,923 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,365,000 | 3,662 |
| Total interest expense | $3,032,000 | 2,838 |
| Net interest income | $4,333,000 | 4,117 |
| Provision for loan and lease losses | $347,000 | 2,881 |
| Total noninterest income | $290,000 | 6,667 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $216,000 | 5,099 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $74,000 | 6,997 |
| Total noninterest expense | $2,711,000 | 4,928 |
| Salaries and employee benefits | $1,307,000 | 5,338 |
| Premises and equipment expense | $503,000 | 4,033 |
| Additional noninterest expense | $901,000 | 4,629 |
| Pre-tax net operating income | $1,565,000 | 4,017 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $592,000 | 3,085 |
| Income before extraordinary items | $973,000 | 4,722 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $973,000 | 4,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 414 |
| Net operating income | $973,000 | 4,552 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,303,000 | 3,844 |
| Total interest expense | $2,218,000 | 2,996 |
| Net interest income | $3,085,000 | 4,296 |
| Provision for loan and lease losses | $242,000 | 2,919 |
| Total noninterest income | $226,000 | 6,631 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $157,000 | 5,204 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $69,000 | 6,726 |
| Total noninterest expense | $1,997,000 | 4,986 |
| Salaries and employee benefits | $962,000 | 5,384 |
| Premises and equipment expense | $350,000 | 4,266 |
| Additional noninterest expense | $685,000 | 4,537 |
| Pre-tax net operating income | $1,072,000 | 4,379 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $403,000 | 3,405 |
| Income before extraordinary items | $669,000 | 5,111 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $669,000 | 5,111 |
| 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 | $1,000,000 | 304 |
| Net operating income | $669,000 | 4,926 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,417,000 | 3,980 |
| Total interest expense | $1,451,000 | 3,149 |
| Net interest income | $1,966,000 | 4,449 |
| Provision for loan and lease losses | $153,000 | 2,974 |
| Total noninterest income | $140,000 | 6,779 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $112,000 | 4,996 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $28,000 | 7,414 |
| Total noninterest expense | $1,269,000 | 5,141 |
| Salaries and employee benefits | $618,000 | 5,517 |
| Premises and equipment expense | $216,000 | 4,484 |
| Additional noninterest expense | $435,000 | 4,707 |
| Pre-tax net operating income | $684,000 | 4,497 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $257,000 | 3,506 |
| Income before extraordinary items | $427,000 | 5,239 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $427,000 | 5,239 |
| 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 | $427,000 | 5,036 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,657,000 | 4,112 |
| Total interest expense | $709,000 | 3,281 |
| Net interest income | $948,000 | 4,559 |
| Provision for loan and lease losses | $10,000 | 6,044 |
| Total noninterest income | $69,000 | 6,751 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $49,000 | 5,240 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $20,000 | 6,924 |
| Total noninterest expense | $573,000 | 5,497 |
| Salaries and employee benefits | $284,000 | 5,798 |
| Premises and equipment expense | $94,000 | 4,897 |
| Additional noninterest expense | $195,000 | 5,052 |
| Pre-tax net operating income | $434,000 | 3,847 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $163,000 | 3,077 |
| Income before extraordinary items | $271,000 | 4,509 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $271,000 | 4,509 |
| 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 | $271,000 | 4,308 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,894,000 | 4,619 |
| Total interest expense | $2,624,000 | 3,944 |
| Net interest income | $3,270,000 | 4,989 |
| Provision for loan and lease losses | $461,000 | 2,530 |
| Total noninterest income | $204,000 | 7,262 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $143,000 | 5,918 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $61,000 | 7,318 |
| Total noninterest expense | $1,957,000 | 5,945 |
| Salaries and employee benefits | $850,000 | 6,699 |
| Premises and equipment expense | $409,000 | 4,569 |
| Additional noninterest expense | $698,000 | 5,412 |
| Pre-tax net operating income | $1,056,000 | 5,065 |
| Securities gains (losses) | $11,000 | 3,555 |
| Applicable income taxes | $417,000 | 3,810 |
| Income before extraordinary items | $650,000 | 5,756 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $650,000 | 5,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 372 |
| Net operating income | $642,960 | 5,655 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,607,000 | 6,671 |
| Total interest expense | $1,716,000 | 6,572 |
| Net interest income | $1,891,000 | 6,613 |
| Provision for loan and lease losses | $137,000 | 4,968 |
| Total noninterest income | $98,000 | 8,544 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $70,000 | 7,167 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $28,000 | 8,414 |
| Total noninterest expense | $1,740,000 | 6,262 |
| Salaries and employee benefits | $741,000 | 7,018 |
| Premises and equipment expense | $417,000 | 4,472 |
| Additional noninterest expense | $582,000 | 5,958 |
| Pre-tax net operating income | $112,000 | 8,278 |
| Securities gains (losses) | $16,000 | 3,318 |
| Applicable income taxes | $49,000 | 6,731 |
| Income before extraordinary items | $79,000 | 8,451 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $79,000 | 8,450 |
| 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 | $68,760 | 8,412 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,917,000 | 8,490 |
| Total interest expense | $752,000 | 8,750 |
| Net interest income | $1,165,000 | 8,146 |
| Provision for loan and lease losses | $363,000 | 2,469 |
| Total noninterest income | $38,000 | 9,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 8,160 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 9,315 |
| Total noninterest expense | $1,784,000 | 6,088 |
| Salaries and employee benefits | $818,000 | 6,645 |
| Premises and equipment expense | $416,000 | 4,386 |
| Additional noninterest expense | $550,000 | 6,071 |
| Pre-tax net operating income | $-944,000 | 9,709 |
| Securities gains (losses) | $9,000 | 1,192 |
| Applicable income taxes | $-352,000 | 9,757 |
| Income before extraordinary items | $-583,000 | 9,614 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-583,000 | 9,612 |
| 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 | $-588,760 | 9,615 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $116,000 | 10,171 |
| Total interest expense | $30,000 | 10,126 |
| Net interest income | $86,000 | 10,172 |
| Provision for loan and lease losses | $24,000 | 7,475 |
| Total noninterest income | $0 | 10,180 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,153 |
| Total noninterest expense | $918,000 | 8,368 |
| Salaries and employee benefits | $344,000 | 9,229 |
| Premises and equipment expense | $170,000 | 7,325 |
| Additional noninterest expense | $404,000 | 7,233 |
| Pre-tax net operating income | $-856,000 | 10,024 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-316,000 | 10,099 |
| Income before extraordinary items | $-540,000 | 9,926 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-540,000 | 9,924 |
| 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 | $8,785,000 | 102 |
| Net operating income | $-540,000 | 9,906 |
* 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.