Home > Beacon Bank > Income and Expense
Beacon Bank, Income and Expense
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $13,370,000 | 1,851 |
| Total interest expense | $977,000 | 2,454 |
| Net interest income | $12,393,000 | 1,767 |
| Provision for loan and lease losses | $-273,000 | 5,854 |
| Total noninterest income | $1,418,000 | 2,557 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $588,000 | 1,854 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $830,000 | 2,602 |
| Total noninterest expense | $9,486,000 | 1,988 |
| Salaries and employee benefits | $5,729,000 | 1,817 |
| Premises and equipment expense | $1,479,000 | 1,555 |
| Additional noninterest expense | $2,278,000 | 2,520 |
| Pre-tax net operating income | $4,598,000 | 1,693 |
| Securities gains (losses) | $33,000 | 1,928 |
| Applicable income taxes | $0 | 4,402 |
| Income before extraordinary items | $4,631,000 | 1,433 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $4,631,000 | 1,433 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $4,631,000 | 1,433 |
| Net charge-offs | $-100,000 | 5,719 |
| Cash dividends | $3,963,000 | 790 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $4,598,000 | 1,419 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $9,885,000 | 1,881 |
| Total interest expense | $745,000 | 2,459 |
| Net interest income | $9,140,000 | 1,812 |
| Provision for loan and lease losses | $-273,000 | 6,018 |
| Total noninterest income | $1,011,000 | 2,650 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $437,000 | 1,887 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $574,000 | 2,730 |
| Total noninterest expense | $7,058,000 | 2,012 |
| Salaries and employee benefits | $4,213,000 | 1,860 |
| Premises and equipment expense | $1,105,000 | 1,568 |
| Additional noninterest expense | $1,740,000 | 2,486 |
| Pre-tax net operating income | $3,366,000 | 1,742 |
| Securities gains (losses) | $33,000 | 1,737 |
| Applicable income taxes | $0 | 4,489 |
| Income before extraordinary items | $3,399,000 | 1,484 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,399,000 | 1,485 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $3,399,000 | 1,485 |
| Net charge-offs | $-153,000 | 5,904 |
| Cash dividends | $3,269,000 | 664 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $3,366,000 | 1,460 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $6,525,000 | 1,892 |
| Total interest expense | $511,000 | 2,429 |
| Net interest income | $6,014,000 | 1,833 |
| Provision for loan and lease losses | $60,000 | 2,661 |
| Total noninterest income | $654,000 | 2,706 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $292,000 | 1,863 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $362,000 | 2,802 |
| Total noninterest expense | $4,765,000 | 2,002 |
| Salaries and employee benefits | $2,864,000 | 1,835 |
| Premises and equipment expense | $728,000 | 1,596 |
| Additional noninterest expense | $1,173,000 | 2,481 |
| Pre-tax net operating income | $1,843,000 | 2,018 |
| Securities gains (losses) | $33,000 | 1,449 |
| Applicable income taxes | $0 | 4,497 |
| Income before extraordinary items | $1,876,000 | 1,699 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,876,000 | 1,703 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $1,876,000 | 1,703 |
| Net charge-offs | $86,000 | 1,861 |
| Cash dividends | $2,770,000 | 543 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $1,843,000 | 1,685 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $3,224,000 | 1,921 |
| Total interest expense | $261,000 | 2,408 |
| Net interest income | $2,963,000 | 1,859 |
| Provision for loan and lease losses | $60,000 | 1,893 |
| Total noninterest income | $255,000 | 3,010 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $148,000 | 1,845 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $107,000 | 3,498 |
| Total noninterest expense | $2,291,000 | 2,066 |
| Salaries and employee benefits | $1,336,000 | 1,956 |
| Premises and equipment expense | $364,000 | 1,616 |
| Additional noninterest expense | $591,000 | 2,448 |
| Pre-tax net operating income | $867,000 | 2,079 |
| Securities gains (losses) | $33,000 | 1,027 |
| Applicable income taxes | $0 | 4,400 |
| Income before extraordinary items | $900,000 | 1,747 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $900,000 | 1,749 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $900,000 | 1,749 |
| Net charge-offs | $-2,000 | 4,668 |
| Cash dividends | $2,019,000 | 354 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $867,000 | 1,739 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $13,081,000 | 1,903 |
| Total interest expense | $1,082,000 | 2,458 |
| Net interest income | $11,999,000 | 1,831 |
| Provision for loan and lease losses | $250,000 | 2,195 |
| Total noninterest income | $1,408,000 | 2,606 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $624,000 | 1,901 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $784,000 | 2,659 |
| Total noninterest expense | $9,744,000 | 1,942 |
| Salaries and employee benefits | $5,809,000 | 1,775 |
| Premises and equipment expense | $1,413,000 | 1,656 |
| Additional noninterest expense | $2,522,000 | 2,396 |
| Pre-tax net operating income | $3,413,000 | 2,069 |
| Securities gains (losses) | $18,000 | 2,377 |
| Applicable income taxes | $0 | 4,531 |
| Income before extraordinary items | $3,431,000 | 1,800 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $3,431,000 | 1,799 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $3,431,000 | 1,799 |
| Net charge-offs | $802,000 | 1,065 |
| Cash dividends | $3,112,000 | 883 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,413,000 | 1,780 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $9,823,000 | 1,914 |
| Total interest expense | $822,000 | 2,468 |
| Net interest income | $9,001,000 | 1,834 |
| Provision for loan and lease losses | $250,000 | 1,804 |
| Total noninterest income | $931,000 | 2,806 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $475,000 | 1,885 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $456,000 | 3,034 |
| Total noninterest expense | $7,107,000 | 2,003 |
| Salaries and employee benefits | $4,177,000 | 1,855 |
| Premises and equipment expense | $1,046,000 | 1,698 |
| Additional noninterest expense | $1,884,000 | 2,389 |
| Pre-tax net operating income | $2,575,000 | 2,097 |
| Securities gains (losses) | $18,000 | 2,074 |
| Applicable income taxes | $0 | 4,583 |
| Income before extraordinary items | $2,593,000 | 1,797 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,593,000 | 1,797 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $2,593,000 | 1,796 |
| Net charge-offs | $445,000 | 1,259 |
| Cash dividends | $2,826,000 | 706 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $2,575,000 | 1,768 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $6,540,000 | 1,909 |
| Total interest expense | $557,000 | 2,452 |
| Net interest income | $5,983,000 | 1,836 |
| Provision for loan and lease losses | $250,000 | 1,440 |
| Total noninterest income | $699,000 | 2,600 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $320,000 | 1,854 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $379,000 | 2,719 |
| Total noninterest expense | $4,874,000 | 1,943 |
| Salaries and employee benefits | $2,855,000 | 1,806 |
| Premises and equipment expense | $696,000 | 1,713 |
| Additional noninterest expense | $1,323,000 | 2,254 |
| Pre-tax net operating income | $1,558,000 | 2,211 |
| Securities gains (losses) | $18,000 | 1,704 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $1,576,000 | 1,905 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,576,000 | 1,909 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $1,576,000 | 1,908 |
| Net charge-offs | $415,000 | 1,010 |
| Cash dividends | $2,418,000 | 557 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $1,558,000 | 1,873 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $3,277,000 | 1,899 |
| Total interest expense | $282,000 | 2,469 |
| Net interest income | $2,995,000 | 1,819 |
| Provision for loan and lease losses | $150,000 | 1,189 |
| Total noninterest income | $328,000 | 2,673 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $149,000 | 1,944 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $179,000 | 2,720 |
| Total noninterest expense | $2,289,000 | 2,077 |
| Salaries and employee benefits | $1,340,000 | 1,937 |
| Premises and equipment expense | $350,000 | 1,721 |
| Additional noninterest expense | $599,000 | 2,483 |
| Pre-tax net operating income | $884,000 | 1,941 |
| Securities gains (losses) | $5,000 | 1,340 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $889,000 | 1,648 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $889,000 | 1,651 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $889,000 | 1,651 |
| Net charge-offs | $648,000 | 406 |
| Cash dividends | $1,700,000 | 378 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $884,000 | 1,622 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $12,405,000 | 1,996 |
| Total interest expense | $1,208,000 | 2,547 |
| Net interest income | $11,197,000 | 1,903 |
| Provision for loan and lease losses | $68,000 | 4,022 |
| Total noninterest income | $1,544,000 | 2,539 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $550,000 | 2,224 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $994,000 | 2,391 |
| Total noninterest expense | $8,959,000 | 2,116 |
| Salaries and employee benefits | $5,194,000 | 1,959 |
| Premises and equipment expense | $1,459,000 | 1,617 |
| Additional noninterest expense | $2,306,000 | 2,658 |
| Pre-tax net operating income | $3,714,000 | 1,822 |
| Securities gains (losses) | $13,000 | 2,535 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $3,727,000 | 1,593 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,727,000 | 1,596 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $3,727,000 | 1,597 |
| Net charge-offs | $573,000 | 1,874 |
| Cash dividends | $2,481,000 | 1,014 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $3,714,000 | 1,559 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $9,109,000 | 2,039 |
| Total interest expense | $910,000 | 2,613 |
| Net interest income | $8,199,000 | 1,939 |
| Provision for loan and lease losses | $68,000 | 3,740 |
| Total noninterest income | $875,000 | 2,998 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $404,000 | 2,262 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $471,000 | 3,103 |
| Total noninterest expense | $6,514,000 | 2,167 |
| Salaries and employee benefits | $3,723,000 | 2,058 |
| Premises and equipment expense | $1,095,000 | 1,623 |
| Additional noninterest expense | $1,696,000 | 2,699 |
| Pre-tax net operating income | $2,492,000 | 2,065 |
| Securities gains (losses) | $13,000 | 2,404 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $2,505,000 | 1,766 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $2,505,000 | 1,770 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,505,000 | 1,771 |
| Net charge-offs | $170,000 | 2,738 |
| Cash dividends | $2,090,000 | 848 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,492,000 | 1,738 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $6,002,000 | 2,052 |
| Total interest expense | $605,000 | 2,697 |
| Net interest income | $5,397,000 | 1,952 |
| Provision for loan and lease losses | $68,000 | 3,318 |
| Total noninterest income | $553,000 | 3,115 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $266,000 | 2,257 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $287,000 | 3,265 |
| Total noninterest expense | $4,344,000 | 2,166 |
| Salaries and employee benefits | $2,491,000 | 2,056 |
| Premises and equipment expense | $749,000 | 1,597 |
| Additional noninterest expense | $1,104,000 | 2,738 |
| Pre-tax net operating income | $1,538,000 | 2,157 |
| Securities gains (losses) | $13,000 | 2,195 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $1,551,000 | 1,874 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,551,000 | 1,879 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,551,000 | 1,880 |
| Net charge-offs | $170,000 | 2,260 |
| Cash dividends | $1,788,000 | 696 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $1,538,000 | 1,820 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,864,000 | 2,176 |
| Total interest expense | $304,000 | 2,748 |
| Net interest income | $2,560,000 | 2,052 |
| Provision for loan and lease losses | $68,000 | 2,521 |
| Total noninterest income | $280,000 | 3,096 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $129,000 | 2,293 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $151,000 | 3,163 |
| Total noninterest expense | $2,099,000 | 2,267 |
| Salaries and employee benefits | $1,151,000 | 2,238 |
| Premises and equipment expense | $400,000 | 1,528 |
| Additional noninterest expense | $548,000 | 2,754 |
| Pre-tax net operating income | $673,000 | 2,341 |
| Securities gains (losses) | $13,000 | 1,412 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $686,000 | 2,024 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $686,000 | 2,025 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $686,000 | 2,026 |
| Net charge-offs | $3,000 | 3,820 |
| Cash dividends | $1,200,000 | 455 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $673,000 | 1,976 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $12,572,000 | 2,084 |
| Total interest expense | $1,511,000 | 2,702 |
| Net interest income | $11,061,000 | 1,969 |
| Provision for loan and lease losses | $1,087,000 | 1,684 |
| Total noninterest income | $1,040,000 | 3,196 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $533,000 | 2,359 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $507,000 | 3,326 |
| Total noninterest expense | $9,097,000 | 2,107 |
| Salaries and employee benefits | $5,207,000 | 1,936 |
| Premises and equipment expense | $1,446,000 | 1,626 |
| Additional noninterest expense | $2,444,000 | 2,621 |
| Pre-tax net operating income | $1,917,000 | 2,892 |
| Securities gains (losses) | $584,000 | 825 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $2,501,000 | 2,177 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,501,000 | 2,176 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $2,501,000 | 2,178 |
| Net charge-offs | $1,543,000 | 1,382 |
| Cash dividends | $1,202,000 | 1,721 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $1,917,000 | 2,547 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $9,613,000 | 2,084 |
| Total interest expense | $1,188,000 | 2,701 |
| Net interest income | $8,425,000 | 1,973 |
| Provision for loan and lease losses | $837,000 | 1,660 |
| Total noninterest income | $732,000 | 3,328 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $396,000 | 2,404 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $336,000 | 3,525 |
| Total noninterest expense | $6,817,000 | 2,111 |
| Salaries and employee benefits | $3,858,000 | 1,958 |
| Premises and equipment expense | $1,073,000 | 1,654 |
| Additional noninterest expense | $1,886,000 | 2,556 |
| Pre-tax net operating income | $1,503,000 | 2,882 |
| Securities gains (losses) | $308,000 | 1,094 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $1,811,000 | 2,287 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,811,000 | 2,287 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,811,000 | 2,287 |
| Net charge-offs | $1,515,000 | 1,106 |
| Cash dividends | $1,039,000 | 1,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $1,503,000 | 2,519 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $6,539,000 | 2,047 |
| Total interest expense | $839,000 | 2,664 |
| Net interest income | $5,700,000 | 1,944 |
| Provision for loan and lease losses | $587,000 | 1,645 |
| Total noninterest income | $511,000 | 3,205 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $262,000 | 2,400 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $249,000 | 3,350 |
| Total noninterest expense | $4,625,000 | 2,073 |
| Salaries and employee benefits | $2,667,000 | 1,880 |
| Premises and equipment expense | $684,000 | 1,723 |
| Additional noninterest expense | $1,274,000 | 2,534 |
| Pre-tax net operating income | $999,000 | 2,844 |
| Securities gains (losses) | $308,000 | 840 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $1,307,000 | 2,121 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,307,000 | 2,120 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,307,000 | 2,121 |
| Net charge-offs | $1,409,000 | 898 |
| Cash dividends | $876,000 | 1,088 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $999,000 | 2,482 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,262,000 | 2,071 |
| Total interest expense | $449,000 | 2,616 |
| Net interest income | $2,813,000 | 1,970 |
| Provision for loan and lease losses | $337,000 | 1,394 |
| Total noninterest income | $155,000 | 4,158 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $131,000 | 2,388 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $24,000 | 5,550 |
| Total noninterest expense | $2,201,000 | 2,167 |
| Salaries and employee benefits | $1,304,000 | 1,930 |
| Premises and equipment expense | $327,000 | 1,811 |
| Additional noninterest expense | $570,000 | 2,773 |
| Pre-tax net operating income | $430,000 | 3,176 |
| Securities gains (losses) | $178,000 | 652 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $608,000 | 2,227 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $608,000 | 2,229 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $608,000 | 2,230 |
| Net charge-offs | $633,000 | 938 |
| Cash dividends | $500,000 | 850 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $430,000 | 2,767 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $13,988,000 | 2,006 |
| Total interest expense | $2,559,000 | 2,265 |
| Net interest income | $11,429,000 | 1,923 |
| Provision for loan and lease losses | $950,000 | 2,490 |
| Total noninterest income | $916,000 | 3,265 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $601,000 | 2,234 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $315,000 | 3,780 |
| Total noninterest expense | $9,140,000 | 2,091 |
| Salaries and employee benefits | $5,084,000 | 1,910 |
| Premises and equipment expense | $1,350,000 | 1,848 |
| Additional noninterest expense | $2,706,000 | 2,433 |
| Pre-tax net operating income | $2,255,000 | 2,288 |
| Securities gains (losses) | $112,000 | 1,972 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $2,367,000 | 1,959 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,367,000 | 1,960 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $2,367,000 | 1,960 |
| Net charge-offs | $1,226,000 | 2,122 |
| Cash dividends | $1,136,000 | 1,489 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $2,255,000 | 1,959 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $10,672,000 | 1,997 |
| Total interest expense | $2,049,000 | 2,199 |
| Net interest income | $8,623,000 | 1,916 |
| Provision for loan and lease losses | $950,000 | 2,021 |
| Total noninterest income | $691,000 | 3,269 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $458,000 | 2,219 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $233,000 | 3,859 |
| Total noninterest expense | $6,571,000 | 2,182 |
| Salaries and employee benefits | $3,538,000 | 2,039 |
| Premises and equipment expense | $1,011,000 | 1,856 |
| Additional noninterest expense | $2,022,000 | 2,433 |
| Pre-tax net operating income | $1,793,000 | 2,273 |
| Securities gains (losses) | $112,000 | 1,684 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $1,905,000 | 1,914 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,905,000 | 1,914 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,905,000 | 1,914 |
| Net charge-offs | $1,030,000 | 1,860 |
| Cash dividends | $1,136,000 | 1,053 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $1,793,000 | 1,903 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,215,000 | 1,985 |
| Total interest expense | $1,458,000 | 2,157 |
| Net interest income | $5,757,000 | 1,919 |
| Provision for loan and lease losses | $780,000 | 1,760 |
| Total noninterest income | $500,000 | 3,124 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $310,000 | 2,173 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $190,000 | 3,577 |
| Total noninterest expense | $4,287,000 | 2,242 |
| Salaries and employee benefits | $2,260,000 | 2,165 |
| Premises and equipment expense | $670,000 | 1,890 |
| Additional noninterest expense | $1,357,000 | 2,463 |
| Pre-tax net operating income | $1,190,000 | 2,251 |
| Securities gains (losses) | $112,000 | 1,058 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $1,302,000 | 1,823 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,302,000 | 1,823 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,302,000 | 1,823 |
| Net charge-offs | $777,000 | 1,694 |
| Cash dividends | $853,000 | 922 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $1,190,000 | 1,904 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,574,000 | 2,007 |
| Total interest expense | $774,000 | 2,121 |
| Net interest income | $2,800,000 | 1,963 |
| Provision for loan and lease losses | $230,000 | 2,240 |
| Total noninterest income | $282,000 | 2,926 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $166,000 | 2,041 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $116,000 | 3,323 |
| Total noninterest expense | $2,137,000 | 2,259 |
| Salaries and employee benefits | $1,136,000 | 2,171 |
| Premises and equipment expense | $335,000 | 1,930 |
| Additional noninterest expense | $666,000 | 2,493 |
| Pre-tax net operating income | $715,000 | 1,943 |
| Securities gains (losses) | $65,000 | 662 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $780,000 | 1,515 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $780,000 | 1,515 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $780,000 | 1,515 |
| Net charge-offs | $248,000 | 1,929 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $715,000 | 1,595 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $14,845,000 | 2,027 |
| Total interest expense | $3,814,000 | 2,084 |
| Net interest income | $11,031,000 | 1,969 |
| Provision for loan and lease losses | $2,750,000 | 1,709 |
| Total noninterest income | $1,391,000 | 2,651 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $779,000 | 1,880 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $612,000 | 2,880 |
| Total noninterest expense | $8,985,000 | 2,159 |
| Salaries and employee benefits | $4,660,000 | 2,076 |
| Premises and equipment expense | $1,381,000 | 1,865 |
| Additional noninterest expense | $2,944,000 | 2,324 |
| Pre-tax net operating income | $687,000 | 3,939 |
| Securities gains (losses) | $355,000 | 1,125 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $1,042,000 | 3,142 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,042,000 | 3,139 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,042,000 | 3,142 |
| Net charge-offs | $1,262,000 | 2,376 |
| Cash dividends | $815,000 | 1,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $687,000 | 3,740 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $11,296,000 | 2,049 |
| Total interest expense | $2,913,000 | 2,134 |
| Net interest income | $8,383,000 | 1,978 |
| Provision for loan and lease losses | $2,750,000 | 1,337 |
| Total noninterest income | $1,014,000 | 2,705 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $586,000 | 1,924 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $428,000 | 3,008 |
| Total noninterest expense | $6,428,000 | 2,259 |
| Salaries and employee benefits | $3,392,000 | 2,135 |
| Premises and equipment expense | $1,034,000 | 1,886 |
| Additional noninterest expense | $2,002,000 | 2,480 |
| Pre-tax net operating income | $219,000 | 5,184 |
| Securities gains (losses) | $355,000 | 954 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $574,000 | 3,859 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $574,000 | 3,860 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $574,000 | 3,861 |
| Net charge-offs | $1,067,000 | 2,114 |
| Cash dividends | $550,000 | 1,645 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $219,000 | 5,055 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,588,000 | 2,059 |
| Total interest expense | $1,985,000 | 2,171 |
| Net interest income | $5,603,000 | 1,974 |
| Provision for loan and lease losses | $2,150,000 | 1,215 |
| Total noninterest income | $578,000 | 2,941 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $388,000 | 1,946 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $190,000 | 3,578 |
| Total noninterest expense | $4,152,000 | 2,331 |
| Salaries and employee benefits | $2,173,000 | 2,237 |
| Premises and equipment expense | $680,000 | 1,920 |
| Additional noninterest expense | $1,299,000 | 2,545 |
| Pre-tax net operating income | $-121,000 | 6,319 |
| Securities gains (losses) | $355,000 | 622 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $234,000 | 4,669 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $234,000 | 4,669 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $234,000 | 4,669 |
| Net charge-offs | $726,000 | 2,040 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-121,000 | 6,387 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,771,000 | 2,113 |
| Total interest expense | $991,000 | 2,274 |
| Net interest income | $2,780,000 | 2,012 |
| Provision for loan and lease losses | $950,000 | 1,212 |
| Total noninterest income | $298,000 | 2,877 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $188,000 | 1,968 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $110,000 | 3,338 |
| Total noninterest expense | $2,039,000 | 2,406 |
| Salaries and employee benefits | $1,096,000 | 2,249 |
| Premises and equipment expense | $351,000 | 1,916 |
| Additional noninterest expense | $592,000 | 2,734 |
| Pre-tax net operating income | $89,000 | 5,178 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $89,000 | 5,128 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $89,000 | 5,129 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $89,000 | 5,128 |
| Net charge-offs | $406,000 | 1,764 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $89,000 | 5,008 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $16,141,000 | 2,101 |
| Total interest expense | $4,642,000 | 2,422 |
| Net interest income | $11,499,000 | 1,929 |
| Provision for loan and lease losses | $3,607,000 | 1,765 |
| Total noninterest income | $1,196,000 | 2,990 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $907,000 | 1,831 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $289,000 | 4,032 |
| Total noninterest expense | $8,728,000 | 2,267 |
| Salaries and employee benefits | $4,925,000 | 2,000 |
| Premises and equipment expense | $1,416,000 | 1,895 |
| Additional noninterest expense | $2,387,000 | 2,859 |
| Pre-tax net operating income | $360,000 | 4,343 |
| Securities gains (losses) | $473,000 | 916 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $833,000 | 3,082 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $833,000 | 3,081 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $833,000 | 3,081 |
| Net charge-offs | $2,700,000 | 1,716 |
| Cash dividends | $1,498,000 | 1,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $360,000 | 4,225 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $12,169,000 | 2,127 |
| Total interest expense | $3,593,000 | 2,451 |
| Net interest income | $8,576,000 | 1,929 |
| Provision for loan and lease losses | $2,807,000 | 1,540 |
| Total noninterest income | $993,000 | 2,830 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $691,000 | 1,814 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $302,000 | 3,608 |
| Total noninterest expense | $6,453,000 | 2,297 |
| Salaries and employee benefits | $3,694,000 | 2,009 |
| Premises and equipment expense | $1,064,000 | 1,917 |
| Additional noninterest expense | $1,695,000 | 2,977 |
| Pre-tax net operating income | $309,000 | 4,496 |
| Securities gains (losses) | $473,000 | 727 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $782,000 | 2,900 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $782,000 | 2,898 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $782,000 | 2,901 |
| Net charge-offs | $2,619,000 | 1,285 |
| Cash dividends | $1,498,000 | 871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $309,000 | 4,331 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,158,000 | 2,155 |
| Total interest expense | $2,457,000 | 2,494 |
| Net interest income | $5,701,000 | 1,925 |
| Provision for loan and lease losses | $1,152,000 | 1,906 |
| Total noninterest income | $666,000 | 2,828 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $470,000 | 1,765 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $196,000 | 3,677 |
| Total noninterest expense | $4,482,000 | 2,239 |
| Salaries and employee benefits | $2,590,000 | 1,957 |
| Premises and equipment expense | $714,000 | 1,930 |
| Additional noninterest expense | $1,178,000 | 2,878 |
| Pre-tax net operating income | $733,000 | 2,672 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $733,000 | 2,381 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $733,000 | 2,379 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $733,000 | 2,381 |
| Net charge-offs | $329,000 | 2,824 |
| Cash dividends | $1,415,000 | 643 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $733,000 | 2,314 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,035,000 | 2,193 |
| Total interest expense | $1,243,000 | 2,543 |
| Net interest income | $2,792,000 | 1,952 |
| Provision for loan and lease losses | $276,000 | 2,438 |
| Total noninterest income | $368,000 | 2,658 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $234,000 | 1,722 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $134,000 | 3,166 |
| Total noninterest expense | $2,248,000 | 2,183 |
| Salaries and employee benefits | $1,391,000 | 1,864 |
| Premises and equipment expense | $363,000 | 1,930 |
| Additional noninterest expense | $494,000 | 3,034 |
| Pre-tax net operating income | $636,000 | 1,960 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $636,000 | 1,692 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $636,000 | 1,693 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $636,000 | 1,694 |
| Net charge-offs | $163,000 | 2,336 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $636,000 | 1,604 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $16,778,000 | 2,252 |
| Total interest expense | $5,811,000 | 2,585 |
| Net interest income | $10,967,000 | 2,023 |
| Provision for loan and lease losses | $860,000 | 2,935 |
| Total noninterest income | $1,307,000 | 2,887 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $852,000 | 2,017 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $455,000 | 3,355 |
| Total noninterest expense | $8,478,000 | 2,263 |
| Salaries and employee benefits | $5,036,000 | 2,007 |
| Premises and equipment expense | $1,397,000 | 1,952 |
| Additional noninterest expense | $2,045,000 | 2,816 |
| Pre-tax net operating income | $2,936,000 | 1,835 |
| Securities gains (losses) | $70,000 | 1,377 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $3,006,000 | 1,361 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,006,000 | 1,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $447,000 | 2,957 |
| Cash dividends | $1,300,000 | 1,926 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $2,936,000 | 1,493 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $12,597,000 | 2,299 |
| Total interest expense | $4,493,000 | 2,609 |
| Net interest income | $8,104,000 | 2,062 |
| Provision for loan and lease losses | $591,000 | 2,502 |
| Total noninterest income | $950,000 | 2,993 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $610,000 | 2,115 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $340,000 | 3,468 |
| Total noninterest expense | $6,337,000 | 2,260 |
| Salaries and employee benefits | $3,831,000 | 2,007 |
| Premises and equipment expense | $1,023,000 | 2,001 |
| Additional noninterest expense | $1,483,000 | 2,796 |
| Pre-tax net operating income | $2,126,000 | 2,206 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $2,126,000 | 1,681 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,126,000 | 1,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $269,000 | 2,691 |
| Cash dividends | $991,000 | 1,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,126,000 | 1,783 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,493,000 | 2,303 |
| Total interest expense | $3,120,000 | 2,614 |
| Net interest income | $5,373,000 | 2,069 |
| Provision for loan and lease losses | $402,000 | 2,149 |
| Total noninterest income | $594,000 | 3,160 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $394,000 | 2,150 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $200,000 | 3,761 |
| Total noninterest expense | $4,179,000 | 2,284 |
| Salaries and employee benefits | $2,517,000 | 2,066 |
| Premises and equipment expense | $676,000 | 2,008 |
| Additional noninterest expense | $986,000 | 2,784 |
| Pre-tax net operating income | $1,386,000 | 2,345 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $1,386,000 | 1,934 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,386,000 | 1,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 2,083 |
| Cash dividends | $425,000 | 2,491 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,386,000 | 1,898 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,342,000 | 2,323 |
| Total interest expense | $1,698,000 | 2,581 |
| Net interest income | $2,644,000 | 2,100 |
| Provision for loan and lease losses | $128,000 | 2,378 |
| Total noninterest income | $307,000 | 3,087 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $192,000 | 2,147 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $115,000 | 3,517 |
| Total noninterest expense | $2,189,000 | 2,184 |
| Salaries and employee benefits | $1,367,000 | 1,923 |
| Premises and equipment expense | $342,000 | 1,994 |
| Additional noninterest expense | $480,000 | 2,820 |
| Pre-tax net operating income | $634,000 | 2,597 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $634,000 | 2,205 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $634,000 | 2,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 1,369 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $634,000 | 2,135 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $17,543,000 | 2,352 |
| Total interest expense | $7,545,000 | 2,447 |
| Net interest income | $9,998,000 | 2,247 |
| Provision for loan and lease losses | $720,000 | 1,812 |
| Total noninterest income | $993,000 | 3,551 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $671,000 | 2,449 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $322,000 | 4,116 |
| Total noninterest expense | $7,939,000 | 2,306 |
| Salaries and employee benefits | $4,748,000 | 2,129 |
| Premises and equipment expense | $1,283,000 | 2,036 |
| Additional noninterest expense | $1,908,000 | 2,774 |
| Pre-tax net operating income | $2,332,000 | 2,978 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $2,332,000 | 2,517 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,332,000 | 2,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $523,000 | 1,639 |
| Cash dividends | $727,000 | 3,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,332,000 | 2,508 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,025,000 | 2,371 |
| Total interest expense | $5,653,000 | 2,451 |
| Net interest income | $7,372,000 | 2,284 |
| Provision for loan and lease losses | $536,000 | 1,475 |
| Total noninterest income | $749,000 | 3,539 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $487,000 | 2,487 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $262,000 | 4,006 |
| Total noninterest expense | $6,033,000 | 2,255 |
| Salaries and employee benefits | $3,645,000 | 2,077 |
| Premises and equipment expense | $952,000 | 2,039 |
| Additional noninterest expense | $1,436,000 | 2,717 |
| Pre-tax net operating income | $1,552,000 | 3,400 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $1,552,000 | 2,901 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,552,000 | 2,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $388,000 | 1,285 |
| Cash dividends | $576,000 | 2,757 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,552,000 | 2,886 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,573,000 | 2,420 |
| Total interest expense | $3,720,000 | 2,476 |
| Net interest income | $4,853,000 | 2,341 |
| Provision for loan and lease losses | $347,000 | 1,378 |
| Total noninterest income | $545,000 | 3,371 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $309,000 | 2,591 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $236,000 | 3,465 |
| Total noninterest expense | $4,062,000 | 2,247 |
| Salaries and employee benefits | $2,483,000 | 2,062 |
| Premises and equipment expense | $628,000 | 2,063 |
| Additional noninterest expense | $951,000 | 2,744 |
| Pre-tax net operating income | $989,000 | 3,556 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $989,000 | 3,061 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $989,000 | 3,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,783 |
| Cash dividends | $461,000 | 2,547 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $989,000 | 3,044 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,224,000 | 2,441 |
| Total interest expense | $1,817,000 | 2,517 |
| Net interest income | $2,407,000 | 2,360 |
| Provision for loan and lease losses | $173,000 | 1,301 |
| Total noninterest income | $254,000 | 3,486 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $146,000 | 2,650 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $108,000 | 3,619 |
| Total noninterest expense | $2,123,000 | 2,179 |
| Salaries and employee benefits | $1,344,000 | 1,912 |
| Premises and equipment expense | $311,000 | 2,100 |
| Additional noninterest expense | $468,000 | 2,755 |
| Pre-tax net operating income | $365,000 | 4,215 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $365,000 | 3,715 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $365,000 | 3,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $365,000 | 3,694 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $16,565,000 | 2,350 |
| Total interest expense | $6,516,000 | 2,417 |
| Net interest income | $10,049,000 | 2,279 |
| Provision for loan and lease losses | $2,277,000 | 499 |
| Total noninterest income | $1,154,000 | 3,205 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $690,000 | 2,400 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $464,000 | 3,470 |
| Total noninterest expense | $6,857,000 | 2,564 |
| Salaries and employee benefits | $4,069,000 | 2,412 |
| Premises and equipment expense | $979,000 | 2,524 |
| Additional noninterest expense | $1,809,000 | 2,807 |
| Pre-tax net operating income | $2,069,000 | 3,564 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $539,000 | 3,041 |
| Income before extraordinary items | $1,530,000 | 3,722 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,530,000 | 3,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,183,000 | 359 |
| Cash dividends | $1,251,000 | 2,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,530,000 | 3,703 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,233,000 | 2,372 |
| Total interest expense | $4,744,000 | 2,424 |
| Net interest income | $7,489,000 | 2,315 |
| Provision for loan and lease losses | $1,095,000 | 698 |
| Total noninterest income | $897,000 | 3,146 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $532,000 | 2,356 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $365,000 | 3,364 |
| Total noninterest expense | $5,078,000 | 2,590 |
| Salaries and employee benefits | $3,055,000 | 2,405 |
| Premises and equipment expense | $738,000 | 2,515 |
| Additional noninterest expense | $1,285,000 | 2,935 |
| Pre-tax net operating income | $2,213,000 | 2,911 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $567,000 | 2,684 |
| Income before extraordinary items | $1,646,000 | 2,987 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,646,000 | 2,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $410,000 | 936 |
| Cash dividends | $1,006,000 | 1,909 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,646,000 | 2,981 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,847,000 | 2,419 |
| Total interest expense | $2,989,000 | 2,447 |
| Net interest income | $4,858,000 | 2,382 |
| Provision for loan and lease losses | $1,245,000 | 408 |
| Total noninterest income | $559,000 | 3,268 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $344,000 | 2,386 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $215,000 | 3,613 |
| Total noninterest expense | $3,320,000 | 2,644 |
| Salaries and employee benefits | $1,991,000 | 2,451 |
| Premises and equipment expense | $491,000 | 2,512 |
| Additional noninterest expense | $838,000 | 2,998 |
| Pre-tax net operating income | $852,000 | 4,178 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $565,000 | 2,135 |
| Income before extraordinary items | $287,000 | 6,108 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $287,000 | 6,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 1,033 |
| Cash dividends | $661,000 | 1,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $287,000 | 6,109 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,657,000 | 2,520 |
| Total interest expense | $1,350,000 | 2,553 |
| Net interest income | $2,307,000 | 2,471 |
| Provision for loan and lease losses | $173,000 | 1,278 |
| Total noninterest income | $277,000 | 3,243 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $160,000 | 2,456 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $117,000 | 3,425 |
| Total noninterest expense | $1,598,000 | 2,740 |
| Salaries and employee benefits | $966,000 | 2,526 |
| Premises and equipment expense | $240,000 | 2,556 |
| Additional noninterest expense | $392,000 | 3,183 |
| Pre-tax net operating income | $813,000 | 2,674 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $564,000 | 1,259 |
| Income before extraordinary items | $249,000 | 4,872 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $249,000 | 4,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 1,866 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $249,000 | 4,851 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,756,000 | 2,756 |
| Total interest expense | $3,427,000 | 2,989 |
| Net interest income | $8,329,000 | 2,605 |
| Provision for loan and lease losses | $289,000 | 2,929 |
| Total noninterest income | $1,146,000 | 3,237 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $637,000 | 2,538 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $509,000 | 3,338 |
| Total noninterest expense | $6,137,000 | 2,695 |
| Salaries and employee benefits | $3,516,000 | 2,594 |
| Premises and equipment expense | $912,000 | 2,567 |
| Additional noninterest expense | $1,709,000 | 2,905 |
| Pre-tax net operating income | $3,049,000 | 2,722 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,224,000 | 1,977 |
| Income before extraordinary items | $1,825,000 | 3,319 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,825,000 | 3,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $313,000 | 1,672 |
| Cash dividends | $1,200,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,825,000 | 3,288 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,394,000 | 2,806 |
| Total interest expense | $2,370,000 | 3,060 |
| Net interest income | $6,024,000 | 2,665 |
| Provision for loan and lease losses | $181,000 | 3,121 |
| Total noninterest income | $763,000 | 3,517 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $446,000 | 2,677 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $317,000 | 3,713 |
| Total noninterest expense | $4,591,000 | 2,661 |
| Salaries and employee benefits | $2,636,000 | 2,545 |
| Premises and equipment expense | $674,000 | 2,583 |
| Additional noninterest expense | $1,281,000 | 2,868 |
| Pre-tax net operating income | $2,015,000 | 3,042 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $811,000 | 2,182 |
| Income before extraordinary items | $1,204,000 | 3,657 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,204,000 | 3,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $307,000 | 1,236 |
| Cash dividends | $700,000 | 2,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,204,000 | 3,623 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,332,000 | 2,869 |
| Total interest expense | $1,463,000 | 3,109 |
| Net interest income | $3,869,000 | 2,743 |
| Provision for loan and lease losses | $72,000 | 3,910 |
| Total noninterest income | $429,000 | 3,874 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $258,000 | 2,945 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $171,000 | 4,041 |
| Total noninterest expense | $3,028,000 | 2,670 |
| Salaries and employee benefits | $1,762,000 | 2,535 |
| Premises and equipment expense | $461,000 | 2,518 |
| Additional noninterest expense | $805,000 | 3,005 |
| Pre-tax net operating income | $1,198,000 | 3,252 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $481,000 | 2,325 |
| Income before extraordinary items | $717,000 | 3,928 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $717,000 | 3,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 2,013 |
| Cash dividends | $700,000 | 1,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $717,000 | 3,876 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,581,000 | 2,914 |
| Total interest expense | $683,000 | 3,179 |
| Net interest income | $1,898,000 | 2,776 |
| Provision for loan and lease losses | $36,000 | 3,732 |
| Total noninterest income | $205,000 | 3,914 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $111,000 | 3,214 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $94,000 | 3,848 |
| Total noninterest expense | $1,529,000 | 2,664 |
| Salaries and employee benefits | $888,000 | 2,523 |
| Premises and equipment expense | $249,000 | 2,366 |
| Additional noninterest expense | $392,000 | 3,075 |
| Pre-tax net operating income | $538,000 | 3,488 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $215,000 | 2,481 |
| Income before extraordinary items | $323,000 | 4,169 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $323,000 | 4,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 1,912 |
| Cash dividends | $700,000 | 908 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $323,000 | 4,122 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,202,000 | 2,781 |
| Total interest expense | $2,189,000 | 3,385 |
| Net interest income | $8,013,000 | 2,546 |
| Provision for loan and lease losses | $498,000 | 1,971 |
| Total noninterest income | $769,000 | 4,156 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $464,000 | 3,307 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $305,000 | 4,234 |
| Total noninterest expense | $5,763,000 | 2,756 |
| Salaries and employee benefits | $3,310,000 | 2,604 |
| Premises and equipment expense | $799,000 | 2,787 |
| Additional noninterest expense | $1,654,000 | 2,885 |
| Pre-tax net operating income | $2,521,000 | 2,986 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,020,000 | 2,121 |
| Income before extraordinary items | $1,501,000 | 3,643 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,501,000 | 3,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 2,359 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,501,000 | 3,581 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,560,000 | 2,777 |
| Total interest expense | $1,588,000 | 3,442 |
| Net interest income | $5,972,000 | 2,533 |
| Provision for loan and lease losses | $407,000 | 1,741 |
| Total noninterest income | $669,000 | 3,840 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $340,000 | 3,373 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $329,000 | 3,561 |
| Total noninterest expense | $4,261,000 | 2,766 |
| Salaries and employee benefits | $2,515,000 | 2,563 |
| Premises and equipment expense | $593,000 | 2,811 |
| Additional noninterest expense | $1,153,000 | 3,047 |
| Pre-tax net operating income | $1,973,000 | 2,913 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $796,000 | 2,109 |
| Income before extraordinary items | $1,177,000 | 3,592 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,177,000 | 3,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,126 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,177,000 | 3,519 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,008,000 | 2,782 |
| Total interest expense | $1,064,000 | 3,417 |
| Net interest income | $3,944,000 | 2,522 |
| Provision for loan and lease losses | $272,000 | 1,712 |
| Total noninterest income | $437,000 | 3,896 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $220,000 | 3,425 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $217,000 | 3,592 |
| Total noninterest expense | $2,883,000 | 2,717 |
| Salaries and employee benefits | $1,694,000 | 2,540 |
| Premises and equipment expense | $389,000 | 2,853 |
| Additional noninterest expense | $800,000 | 2,939 |
| Pre-tax net operating income | $1,226,000 | 3,066 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $495,000 | 2,222 |
| Income before extraordinary items | $731,000 | 3,761 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $731,000 | 3,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $731,000 | 3,670 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,513,000 | 2,774 |
| Total interest expense | $545,000 | 3,381 |
| Net interest income | $1,968,000 | 2,529 |
| Provision for loan and lease losses | $136,000 | 1,658 |
| Total noninterest income | $187,000 | 4,209 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $103,000 | 3,510 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $84,000 | 4,069 |
| Total noninterest expense | $1,431,000 | 2,754 |
| Salaries and employee benefits | $855,000 | 2,533 |
| Premises and equipment expense | $197,000 | 2,852 |
| Additional noninterest expense | $379,000 | 3,051 |
| Pre-tax net operating income | $588,000 | 3,125 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $235,000 | 2,285 |
| Income before extraordinary items | $353,000 | 3,826 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $353,000 | 3,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,707 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $353,000 | 3,708 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,563,000 | 2,956 |
| Total interest expense | $2,211,000 | 3,696 |
| Net interest income | $7,352,000 | 2,631 |
| Provision for loan and lease losses | $377,000 | 2,700 |
| Total noninterest income | $789,000 | 4,264 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $428,000 | 3,500 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $361,000 | 4,160 |
| Total noninterest expense | $5,341,000 | 2,892 |
| Salaries and employee benefits | $3,256,000 | 2,571 |
| Premises and equipment expense | $828,000 | 2,670 |
| Additional noninterest expense | $1,257,000 | 3,600 |
| Pre-tax net operating income | $2,423,000 | 2,961 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $971,000 | 2,225 |
| Income before extraordinary items | $1,452,000 | 3,642 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,452,000 | 3,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,473 |
| Cash dividends | $300,000 | 4,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,452,000 | 3,486 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,136,000 | 3,013 |
| Total interest expense | $1,695,000 | 3,743 |
| Net interest income | $5,441,000 | 2,677 |
| Provision for loan and lease losses | $338,000 | 2,312 |
| Total noninterest income | $598,000 | 4,282 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $318,000 | 3,531 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $280,000 | 4,157 |
| Total noninterest expense | $3,879,000 | 2,973 |
| Salaries and employee benefits | $2,419,000 | 2,605 |
| Premises and equipment expense | $594,000 | 2,799 |
| Additional noninterest expense | $866,000 | 3,826 |
| Pre-tax net operating income | $1,822,000 | 3,047 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $726,000 | 2,341 |
| Income before extraordinary items | $1,096,000 | 3,750 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,096,000 | 3,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,480 |
| Cash dividends | $300,000 | 3,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,096,000 | 3,580 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,677,000 | 3,074 |
| Total interest expense | $1,168,000 | 3,748 |
| Net interest income | $3,509,000 | 2,762 |
| Provision for loan and lease losses | $226,000 | 2,301 |
| Total noninterest income | $378,000 | 4,387 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $210,000 | 3,503 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $168,000 | 4,354 |
| Total noninterest expense | $2,571,000 | 2,980 |
| Salaries and employee benefits | $1,616,000 | 2,600 |
| Premises and equipment expense | $391,000 | 2,831 |
| Additional noninterest expense | $564,000 | 3,884 |
| Pre-tax net operating income | $1,090,000 | 3,309 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $434,000 | 2,532 |
| Income before extraordinary items | $656,000 | 4,052 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $656,000 | 4,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $300,000 | 2,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $656,000 | 3,871 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,250,000 | 3,188 |
| Total interest expense | $620,000 | 3,647 |
| Net interest income | $1,630,000 | 2,933 |
| Provision for loan and lease losses | $113,000 | 2,176 |
| Total noninterest income | $186,000 | 4,340 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $101,000 | 3,525 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $85,000 | 4,228 |
| Total noninterest expense | $1,257,000 | 3,018 |
| Salaries and employee benefits | $810,000 | 2,585 |
| Premises and equipment expense | $191,000 | 2,867 |
| Additional noninterest expense | $256,000 | 4,131 |
| Pre-tax net operating income | $446,000 | 3,777 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $175,000 | 2,918 |
| 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 | $-1,000 | 7,386 |
| Cash dividends | $300,000 | 1,748 |
| 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 | $8,445,000 | 3,482 |
| Total interest expense | $2,416,000 | 4,217 |
| Net interest income | $6,029,000 | 3,126 |
| Provision for loan and lease losses | $415,000 | 2,759 |
| Total noninterest income | $772,000 | 4,089 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $428,000 | 3,367 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $344,000 | 3,988 |
| Total noninterest expense | $4,958,000 | 2,946 |
| Salaries and employee benefits | $3,041,000 | 2,592 |
| Premises and equipment expense | $748,000 | 2,834 |
| Additional noninterest expense | $1,169,000 | 3,682 |
| Pre-tax net operating income | $1,428,000 | 4,240 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $548,000 | 3,275 |
| Income before extraordinary items | $880,000 | 4,934 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $880,000 | 4,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 4,150 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $880,000 | 4,806 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,724,000 | 3,730 |
| Total interest expense | $3,605,000 | 4,114 |
| Net interest income | $5,119,000 | 3,373 |
| Provision for loan and lease losses | $330,000 | 3,018 |
| Total noninterest income | $706,000 | 4,172 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $395,000 | 3,435 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $311,000 | 4,037 |
| Total noninterest expense | $3,963,000 | 3,459 |
| Salaries and employee benefits | $2,353,000 | 3,117 |
| Premises and equipment expense | $639,000 | 3,195 |
| Additional noninterest expense | $971,000 | 4,165 |
| Pre-tax net operating income | $1,532,000 | 3,802 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $603,000 | 2,961 |
| Income before extraordinary items | $929,000 | 4,475 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $929,000 | 4,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $256,000 | 2,463 |
| Cash dividends | $300,000 | 4,357 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $929,000 | 4,359 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,293,000 | 3,632 |
| Total interest expense | $3,998,000 | 3,983 |
| Net interest income | $5,295,000 | 3,311 |
| Provision for loan and lease losses | $344,000 | 2,605 |
| Total noninterest income | $562,000 | 4,588 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $327,000 | 3,797 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $235,000 | 4,427 |
| Total noninterest expense | $3,815,000 | 3,458 |
| Salaries and employee benefits | $2,307,000 | 3,049 |
| Premises and equipment expense | $549,000 | 3,520 |
| Additional noninterest expense | $959,000 | 4,116 |
| Pre-tax net operating income | $1,698,000 | 3,715 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $680,000 | 2,850 |
| Income before extraordinary items | $1,018,000 | 4,331 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,018,000 | 4,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 2,683 |
| Cash dividends | $175,000 | 5,311 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,018,000 | 4,336 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,014,000 | 4,392 |
| Total interest expense | $3,061,000 | 4,525 |
| Net interest income | $3,953,000 | 4,217 |
| Provision for loan and lease losses | $313,000 | 2,563 |
| Total noninterest income | $587,000 | 4,485 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $297,000 | 4,029 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $290,000 | 4,092 |
| Total noninterest expense | $3,446,000 | 3,744 |
| Salaries and employee benefits | $1,897,000 | 3,598 |
| Premises and equipment expense | $529,000 | 3,598 |
| Additional noninterest expense | $1,020,000 | 3,961 |
| Pre-tax net operating income | $781,000 | 5,996 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $307,000 | 4,773 |
| Income before extraordinary items | $474,000 | 6,576 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $474,000 | 6,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 1,827 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $474,000 | 6,550 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,994,000 | 5,002 |
| Total interest expense | $2,643,000 | 5,175 |
| Net interest income | $3,351,000 | 4,750 |
| Provision for loan and lease losses | $270,000 | 2,850 |
| Total noninterest income | $416,000 | 5,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 4,781 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $189,000 | 5,104 |
| Total noninterest expense | $2,941,000 | 4,188 |
| Salaries and employee benefits | $1,781,000 | 3,702 |
| Premises and equipment expense | $519,000 | 3,576 |
| Additional noninterest expense | $641,000 | 5,502 |
| Pre-tax net operating income | $556,000 | 7,121 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $210,000 | 6,081 |
| Income before extraordinary items | $346,000 | 7,552 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $346,000 | 7,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 3,097 |
| Cash dividends | $300,000 | 4,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $346,000 | 7,474 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,661,000 | 6,075 |
| Total interest expense | $2,039,000 | 6,191 |
| Net interest income | $2,622,000 | 5,857 |
| Provision for loan and lease losses | $289,000 | 2,712 |
| Total noninterest income | $373,000 | 5,957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 4,677 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 6,194 |
| Total noninterest expense | $2,409,000 | 4,933 |
| Salaries and employee benefits | $1,325,000 | 4,711 |
| Premises and equipment expense | $486,000 | 3,806 |
| Additional noninterest expense | $598,000 | 5,830 |
| Pre-tax net operating income | $297,000 | 9,013 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $137,000 | 7,803 |
| Income before extraordinary items | $161,000 | 9,486 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $161,000 | 9,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 2,683 |
| Cash dividends | $275,000 | 4,748 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $160,360 | 9,452 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,034,000 | 6,834 |
| Total interest expense | $1,602,000 | 7,323 |
| Net interest income | $2,432,000 | 6,314 |
| Provision for loan and lease losses | $32,000 | 7,338 |
| Total noninterest income | $1,343,000 | 2,483 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $264,000 | 4,635 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,079,000 | 1,714 |
| Total noninterest expense | $2,427,000 | 5,130 |
| Salaries and employee benefits | $1,392,000 | 4,607 |
| Premises and equipment expense | $391,000 | 4,619 |
| Additional noninterest expense | $644,000 | 6,074 |
| Pre-tax net operating income | $1,316,000 | 4,797 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $538,000 | 3,913 |
| Income before extraordinary items | $779,000 | 5,398 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $779,000 | 5,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,265 |
| Cash dividends | $235,000 | 5,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $778,360 | 5,348 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,554,000 | 7,476 |
| Total interest expense | $1,279,000 | 8,346 |
| Net interest income | $2,275,000 | 6,738 |
| Provision for loan and lease losses | $40,000 | 6,618 |
| Total noninterest income | $334,000 | 6,672 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $260,000 | 4,805 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 8,198 |
| Total noninterest expense | $1,914,000 | 6,195 |
| Salaries and employee benefits | $1,046,000 | 5,821 |
| Premises and equipment expense | $315,000 | 5,426 |
| Additional noninterest expense | $553,000 | 6,843 |
| Pre-tax net operating income | $655,000 | 7,562 |
| Securities gains (losses) | $-2,000 | 9,253 |
| Applicable income taxes | $265,000 | 6,442 |
| Income before extraordinary items | $388,000 | 8,173 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $388,000 | 8,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $123,000 | 6,449 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $389,280 | 8,123 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,637,000 | 8,669 |
| Total interest expense | $744,000 | 9,856 |
| Net interest income | $1,893,000 | 7,822 |
| Provision for loan and lease losses | $37,000 | 6,726 |
| Total noninterest income | $248,000 | 7,979 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $208,000 | 5,708 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 10,157 |
| Total noninterest expense | $1,646,000 | 7,145 |
| Salaries and employee benefits | $863,000 | 6,856 |
| Premises and equipment expense | $296,000 | 5,783 |
| Additional noninterest expense | $487,000 | 7,978 |
| Pre-tax net operating income | $458,000 | 8,938 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $164,000 | 8,039 |
| Income before extraordinary items | $293,000 | 9,217 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $293,000 | 9,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,524 |
| Cash dividends | $10,000 | 8,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $293,640 | 9,283 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,178,000 | 9,831 |
| Total interest expense | $649,000 | 10,877 |
| Net interest income | $1,529,000 | 9,017 |
| Provision for loan and lease losses | $93,000 | 5,955 |
| Total noninterest income | $273,000 | 8,022 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $225,000 | 5,509 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 10,209 |
| Total noninterest expense | $1,443,000 | 8,037 |
| Salaries and employee benefits | $734,000 | 7,754 |
| Premises and equipment expense | $263,000 | 6,446 |
| Additional noninterest expense | $446,000 | 8,764 |
| Pre-tax net operating income | $266,000 | 10,495 |
| Securities gains (losses) | $33,000 | 3,976 |
| Applicable income taxes | $27,000 | 11,459 |
| Income before extraordinary items | $272,000 | 9,793 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $272,000 | 9,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 8,808 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 1,064 |
| Net operating income | $241,970 | 9,889 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,939,000 | 11,018 |
| Total interest expense | $719,000 | 11,710 |
| Net interest income | $1,220,000 | 10,258 |
| Provision for loan and lease losses | $82,000 | 7,825 |
| Total noninterest income | $262,000 | 8,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $196,000 | 6,071 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 9,490 |
| Total noninterest expense | $1,240,000 | 8,877 |
| Salaries and employee benefits | $594,000 | 8,855 |
| Premises and equipment expense | $239,000 | 6,988 |
| Additional noninterest expense | $407,000 | 9,480 |
| Pre-tax net operating income | $160,000 | 11,431 |
| Securities gains (losses) | $139,000 | 2,518 |
| Applicable income taxes | $-12,000 | 13,402 |
| Income before extraordinary items | $311,000 | 9,155 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $311,000 | 9,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 8,917 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $132,000 | 789 |
| Net operating income | $172,000 | 10,632 |
* 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.