Home > Beacon Federal > Income and Expense
Beacon Federal, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $32,257,000 | 608 |
| Total interest expense | $11,678,000 | 274 |
| Net interest income | $20,579,000 | 798 |
| Provision for loan and lease losses | $2,075,000 | 824 |
| Total noninterest income | $4,608,000 | 993 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $2,077,000 | 531 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $2,531,000 | 1,065 |
| Total noninterest expense | $17,114,000 | 882 |
| Salaries and employee benefits | $8,642,000 | 909 |
| Premises and equipment expense | $1,989,000 | 914 |
| Additional noninterest expense | $6,483,000 | 807 |
| Pre-tax net operating income | $5,998,000 | 913 |
| Securities gains (losses) | $-300,000 | 7,092 |
| Applicable income taxes | $2,086,000 | 682 |
| Income before extraordinary items | $3,612,000 | 1,246 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $3,612,000 | 1,247 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $3,612,000 | 1,247 |
| Net charge-offs | $9,431,000 | 270 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $1,499,000 | 131 |
| Net operating income | $3,804,000 | 1,116 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $22,413,000 | 591 |
| Total interest expense | $8,526,000 | 264 |
| Net interest income | $13,887,000 | 791 |
| Provision for loan and lease losses | $1,590,000 | 767 |
| Total noninterest income | $3,080,000 | 965 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $1,362,000 | 538 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,718,000 | 1,037 |
| Total noninterest expense | $11,759,000 | 840 |
| Salaries and employee benefits | $5,900,000 | 885 |
| Premises and equipment expense | $1,386,000 | 875 |
| Additional noninterest expense | $4,473,000 | 785 |
| Pre-tax net operating income | $3,618,000 | 985 |
| Securities gains (losses) | $-389,000 | 7,181 |
| Applicable income taxes | $1,142,000 | 796 |
| Income before extraordinary items | $2,087,000 | 1,425 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,087,000 | 1,424 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,087,000 | 1,425 |
| Net charge-offs | $7,713,000 | 236 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $961,000 | 120 |
| Net operating income | $2,339,850 | 1,202 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $11,588,000 | 583 |
| Total interest expense | $4,352,000 | 263 |
| Net interest income | $7,236,000 | 761 |
| Provision for loan and lease losses | $604,000 | 915 |
| Total noninterest income | $1,649,000 | 897 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $776,000 | 468 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $873,000 | 1,007 |
| Total noninterest expense | $6,107,000 | 811 |
| Salaries and employee benefits | $3,225,000 | 799 |
| Premises and equipment expense | $772,000 | 782 |
| Additional noninterest expense | $2,110,000 | 806 |
| Pre-tax net operating income | $2,174,000 | 830 |
| Securities gains (losses) | $-67,000 | 7,184 |
| Applicable income taxes | $762,000 | 626 |
| Income before extraordinary items | $1,345,000 | 1,103 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,345,000 | 1,105 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,345,000 | 1,104 |
| Net charge-offs | $5,922,000 | 169 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $559,000 | 89 |
| Net operating income | $1,387,880 | 1,006 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $50,382,000 | 548 |
| Total interest expense | $18,797,000 | 294 |
| Net interest income | $31,585,000 | 681 |
| Provision for loan and lease losses | $10,062,000 | 415 |
| Total noninterest income | $8,906,000 | 677 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 6,974 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $8,906,000 | 471 |
| Total noninterest expense | $21,393,000 | 924 |
| Salaries and employee benefits | $11,745,000 | 838 |
| Premises and equipment expense | $3,106,000 | 801 |
| Additional noninterest expense | $6,542,000 | 1,071 |
| Pre-tax net operating income | $9,036,000 | 685 |
| Securities gains (losses) | $-333,000 | 7,201 |
| Applicable income taxes | $2,950,000 | 581 |
| Income before extraordinary items | $5,753,000 | 875 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $5,753,000 | 874 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $5,753,000 | 875 |
| Net charge-offs | $11,151,000 | 409 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $5,972,780 | 808 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $38,234,000 | 544 |
| Total interest expense | $14,189,000 | 306 |
| Net interest income | $24,045,000 | 681 |
| Provision for loan and lease losses | $3,876,000 | 760 |
| Total noninterest income | $4,199,000 | 954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,025 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $4,199,000 | 661 |
| Total noninterest expense | $16,525,000 | 897 |
| Salaries and employee benefits | $9,416,000 | 788 |
| Premises and equipment expense | $2,315,000 | 818 |
| Additional noninterest expense | $4,794,000 | 1,100 |
| Pre-tax net operating income | $7,843,000 | 623 |
| Securities gains (losses) | $-327,000 | 7,318 |
| Applicable income taxes | $2,509,000 | 528 |
| Income before extraordinary items | $5,007,000 | 775 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,007,000 | 774 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $5,007,000 | 775 |
| Net charge-offs | $3,801,000 | 778 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $5,226,090 | 719 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $25,414,000 | 554 |
| Total interest expense | $9,457,000 | 324 |
| Net interest income | $15,957,000 | 690 |
| Provision for loan and lease losses | $2,278,000 | 843 |
| Total noninterest income | $2,828,000 | 959 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,067 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,828,000 | 649 |
| Total noninterest expense | $11,091,000 | 904 |
| Salaries and employee benefits | $6,374,000 | 786 |
| Premises and equipment expense | $1,517,000 | 847 |
| Additional noninterest expense | $3,200,000 | 1,110 |
| Pre-tax net operating income | $5,416,000 | 586 |
| Securities gains (losses) | $-216,000 | 7,389 |
| Applicable income taxes | $1,890,000 | 484 |
| Income before extraordinary items | $3,310,000 | 767 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,310,000 | 765 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $3,310,000 | 767 |
| Net charge-offs | $2,012,000 | 921 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $3,448,240 | 718 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $12,625,000 | 564 |
| Total interest expense | $4,766,000 | 332 |
| Net interest income | $7,859,000 | 693 |
| Provision for loan and lease losses | $979,000 | 876 |
| Total noninterest income | $1,305,000 | 1,018 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,070 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,305,000 | 687 |
| Total noninterest expense | $5,557,000 | 899 |
| Salaries and employee benefits | $3,174,000 | 803 |
| Premises and equipment expense | $765,000 | 861 |
| Additional noninterest expense | $1,618,000 | 1,101 |
| Pre-tax net operating income | $2,628,000 | 617 |
| Securities gains (losses) | $-111,000 | 7,412 |
| Applicable income taxes | $943,000 | 476 |
| Income before extraordinary items | $1,574,000 | 800 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,574,000 | 799 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,574,000 | 800 |
| Net charge-offs | $1,251,000 | 731 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $1,645,040 | 751 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $54,618,000 | 542 |
| Total interest expense | $22,809,000 | 335 |
| Net interest income | $31,809,000 | 674 |
| Provision for loan and lease losses | $7,210,000 | 856 |
| Total noninterest income | $5,009,000 | 1,093 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $5,009,000 | 747 |
| Total noninterest expense | $19,904,000 | 1,002 |
| Salaries and employee benefits | $11,104,000 | 882 |
| Premises and equipment expense | $2,658,000 | 969 |
| Additional noninterest expense | $6,142,000 | 1,204 |
| Pre-tax net operating income | $9,704,000 | 570 |
| Securities gains (losses) | $-1,260,000 | 7,536 |
| Applicable income taxes | $3,086,000 | 531 |
| Income before extraordinary items | $5,358,000 | 819 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $5,358,000 | 818 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $5,358,000 | 820 |
| Net charge-offs | $10,345,000 | 596 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $6,164,400 | 693 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $41,337,000 | 538 |
| Total interest expense | $17,569,000 | 343 |
| Net interest income | $23,768,000 | 674 |
| Provision for loan and lease losses | $5,210,000 | 849 |
| Total noninterest income | $3,372,000 | 1,164 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $3,372,000 | 758 |
| Total noninterest expense | $14,622,000 | 1,007 |
| Salaries and employee benefits | $8,245,000 | 881 |
| Premises and equipment expense | $1,953,000 | 1,001 |
| Additional noninterest expense | $4,424,000 | 1,221 |
| Pre-tax net operating income | $7,308,000 | 586 |
| Securities gains (losses) | $-1,016,000 | 7,654 |
| Applicable income taxes | $2,331,000 | 526 |
| Income before extraordinary items | $3,961,000 | 876 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $3,961,000 | 877 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $3,961,000 | 877 |
| Net charge-offs | $8,013,000 | 550 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $4,611,240 | 714 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $27,601,000 | 545 |
| Total interest expense | $11,889,000 | 351 |
| Net interest income | $15,712,000 | 686 |
| Provision for loan and lease losses | $3,280,000 | 893 |
| Total noninterest income | $2,129,000 | 1,185 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $2,129,000 | 770 |
| Total noninterest expense | $9,705,000 | 1,016 |
| Salaries and employee benefits | $5,497,000 | 887 |
| Premises and equipment expense | $1,300,000 | 1,018 |
| Additional noninterest expense | $2,908,000 | 1,225 |
| Pre-tax net operating income | $4,856,000 | 571 |
| Securities gains (losses) | $-382,000 | 7,661 |
| Applicable income taxes | $1,669,000 | 457 |
| Income before extraordinary items | $2,805,000 | 796 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,805,000 | 795 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $2,805,000 | 797 |
| Net charge-offs | $843,000 | 1,887 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $3,049,480 | 715 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $13,957,000 | 556 |
| Total interest expense | $6,068,000 | 369 |
| Net interest income | $7,889,000 | 688 |
| Provision for loan and lease losses | $1,780,000 | 810 |
| Total noninterest income | $1,024,000 | 1,207 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,024,000 | 783 |
| Total noninterest expense | $4,807,000 | 1,033 |
| Salaries and employee benefits | $2,721,000 | 904 |
| Premises and equipment expense | $652,000 | 1,048 |
| Additional noninterest expense | $1,434,000 | 1,229 |
| Pre-tax net operating income | $2,326,000 | 588 |
| Securities gains (losses) | $-257,000 | 7,789 |
| Applicable income taxes | $763,000 | 473 |
| Income before extraordinary items | $1,306,000 | 836 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,306,000 | 840 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $1,306,000 | 840 |
| Net charge-offs | $263,000 | 2,172 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $1,470,480 | 720 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $56,157,000 | 582 |
| Total interest expense | $27,406,000 | 412 |
| Net interest income | $28,751,000 | 747 |
| Provision for loan and lease losses | $8,119,000 | 1,016 |
| Total noninterest income | $4,439,000 | 1,204 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $4,439,000 | 783 |
| Total noninterest expense | $18,245,000 | 1,140 |
| Salaries and employee benefits | $9,781,000 | 1,008 |
| Premises and equipment expense | $1,910,000 | 1,427 |
| Additional noninterest expense | $6,554,000 | 1,178 |
| Pre-tax net operating income | $6,826,000 | 629 |
| Securities gains (losses) | $-1,283,000 | 7,746 |
| Applicable income taxes | $1,968,000 | 574 |
| Income before extraordinary items | $3,575,000 | 958 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,575,000 | 956 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $3,575,000 | 957 |
| Net charge-offs | $2,610,000 | 1,747 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $4,396,120 | 774 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $41,806,000 | 602 |
| Total interest expense | $20,771,000 | 431 |
| Net interest income | $21,035,000 | 771 |
| Provision for loan and lease losses | $6,194,000 | 897 |
| Total noninterest income | $3,397,000 | 1,202 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $3,397,000 | 785 |
| Total noninterest expense | $13,436,000 | 1,145 |
| Salaries and employee benefits | $7,071,000 | 1,052 |
| Premises and equipment expense | $1,312,000 | 1,563 |
| Additional noninterest expense | $5,053,000 | 1,111 |
| Pre-tax net operating income | $4,802,000 | 700 |
| Securities gains (losses) | $-730,000 | 7,811 |
| Applicable income taxes | $1,479,000 | 603 |
| Income before extraordinary items | $2,593,000 | 1,051 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $2,593,000 | 1,050 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $2,593,000 | 1,051 |
| Net charge-offs | $1,019,000 | 2,183 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,060,200 | 874 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $27,741,000 | 626 |
| Total interest expense | $13,926,000 | 465 |
| Net interest income | $13,815,000 | 779 |
| Provision for loan and lease losses | $4,894,000 | 746 |
| Total noninterest income | $2,248,000 | 1,224 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $2,248,000 | 805 |
| Total noninterest expense | $8,820,000 | 1,180 |
| Salaries and employee benefits | $4,756,000 | 1,066 |
| Premises and equipment expense | $752,000 | 1,837 |
| Additional noninterest expense | $3,312,000 | 1,157 |
| Pre-tax net operating income | $2,349,000 | 971 |
| Securities gains (losses) | $-538,000 | 7,936 |
| Applicable income taxes | $623,000 | 903 |
| Income before extraordinary items | $1,188,000 | 1,566 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,188,000 | 1,563 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,188,000 | 1,565 |
| Net charge-offs | $755,000 | 1,900 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $1,543,080 | 1,189 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $13,960,000 | 625 |
| Total interest expense | $7,155,000 | 460 |
| Net interest income | $6,805,000 | 785 |
| Provision for loan and lease losses | $2,994,000 | 573 |
| Total noninterest income | $1,102,000 | 1,182 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,102,000 | 784 |
| Total noninterest expense | $4,184,000 | 1,196 |
| Salaries and employee benefits | $2,414,000 | 1,048 |
| Premises and equipment expense | $354,000 | 1,982 |
| Additional noninterest expense | $1,416,000 | 1,170 |
| Pre-tax net operating income | $729,000 | 1,741 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $230,000 | 1,301 |
| Income before extraordinary items | $499,000 | 2,141 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $499,000 | 2,140 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $499,000 | 2,142 |
| Net charge-offs | $548,000 | 1,306 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $499,000 | 2,005 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $56,508,000 | 656 |
| Total interest expense | $31,960,000 | 496 |
| Net interest income | $24,548,000 | 873 |
| Provision for loan and lease losses | $18,824,000 | 384 |
| Total noninterest income | $3,237,000 | 1,480 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $3,237,000 | 910 |
| Total noninterest expense | $14,311,000 | 1,363 |
| Salaries and employee benefits | $8,137,000 | 1,229 |
| Premises and equipment expense | $1,490,000 | 1,833 |
| Additional noninterest expense | $4,684,000 | 1,346 |
| Pre-tax net operating income | $-5,350,000 | 7,821 |
| Securities gains (losses) | $-245,000 | 7,384 |
| Applicable income taxes | $-2,479,000 | 7,974 |
| Income before extraordinary items | $-3,116,000 | 7,628 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-3,116,000 | 7,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,138,000 | 676 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 1,285 |
| Net operating income | $-2,959,200 | 7,671 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $42,227,000 | 686 |
| Total interest expense | $23,983,000 | 525 |
| Net interest income | $18,244,000 | 891 |
| Provision for loan and lease losses | $15,824,000 | 283 |
| Total noninterest income | $2,332,000 | 1,578 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,332,000 | 986 |
| Total noninterest expense | $11,027,000 | 1,302 |
| Salaries and employee benefits | $6,647,000 | 1,136 |
| Premises and equipment expense | $1,122,000 | 1,823 |
| Additional noninterest expense | $3,258,000 | 1,373 |
| Pre-tax net operating income | $-6,275,000 | 8,167 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $448,000 | 2,034 |
| Income before extraordinary items | $-6,723,000 | 8,172 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-6,723,000 | 8,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,358,000 | 744 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 1,118 |
| Net operating income | $-6,723,000 | 8,203 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $27,681,000 | 703 |
| Total interest expense | $16,116,000 | 540 |
| Net interest income | $11,565,000 | 934 |
| Provision for loan and lease losses | $2,430,000 | 682 |
| Total noninterest income | $1,268,000 | 1,856 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,268,000 | 1,190 |
| Total noninterest expense | $7,338,000 | 1,307 |
| Salaries and employee benefits | $4,431,000 | 1,151 |
| Premises and equipment expense | $771,000 | 1,776 |
| Additional noninterest expense | $2,136,000 | 1,379 |
| Pre-tax net operating income | $3,065,000 | 1,160 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,296,000 | 745 |
| Income before extraordinary items | $1,769,000 | 1,550 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,769,000 | 1,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,098,000 | 810 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 986 |
| Net operating income | $1,769,000 | 1,516 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $13,680,000 | 734 |
| Total interest expense | $8,222,000 | 571 |
| Net interest income | $5,458,000 | 980 |
| Provision for loan and lease losses | $900,000 | 661 |
| Total noninterest income | $555,000 | 2,076 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $555,000 | 1,312 |
| Total noninterest expense | $3,653,000 | 1,314 |
| Salaries and employee benefits | $2,133,000 | 1,211 |
| Premises and equipment expense | $380,000 | 1,805 |
| Additional noninterest expense | $1,140,000 | 1,261 |
| Pre-tax net operating income | $1,460,000 | 1,299 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $586,000 | 885 |
| Income before extraordinary items | $874,000 | 1,696 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $874,000 | 1,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 1,307 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 877 |
| Net operating income | $874,000 | 1,634 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $43,841,000 | 962 |
| Total interest expense | $27,722,000 | 707 |
| Net interest income | $16,119,000 | 1,393 |
| Provision for loan and lease losses | $2,415,000 | 719 |
| Total noninterest income | $3,111,000 | 1,594 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,111,000 | 985 |
| Total noninterest expense | $12,832,000 | 1,441 |
| Salaries and employee benefits | $7,428,000 | 1,359 |
| Premises and equipment expense | $1,484,000 | 1,771 |
| Additional noninterest expense | $3,920,000 | 1,414 |
| Pre-tax net operating income | $3,983,000 | 1,992 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,543,000 | 1,395 |
| Income before extraordinary items | $2,440,000 | 2,430 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,440,000 | 2,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $779,000 | 1,234 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $36,090,000 | 25 |
| Net operating income | $2,440,000 | 2,420 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $30,797,000 | 1,027 |
| Total interest expense | $19,660,000 | 742 |
| Net interest income | $11,137,000 | 1,544 |
| Provision for loan and lease losses | $1,505,000 | 648 |
| Total noninterest income | $2,242,000 | 1,647 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,242,000 | 1,019 |
| Total noninterest expense | $8,797,000 | 1,552 |
| Salaries and employee benefits | $5,114,000 | 1,484 |
| Premises and equipment expense | $975,000 | 1,988 |
| Additional noninterest expense | $2,708,000 | 1,495 |
| Pre-tax net operating income | $3,077,000 | 2,059 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,205,000 | 1,440 |
| Income before extraordinary items | $1,872,000 | 2,517 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,872,000 | 2,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $660,000 | 870 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,872,000 | 2,489 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $19,433,000 | 1,101 |
| Total interest expense | $12,245,000 | 807 |
| Net interest income | $7,188,000 | 1,604 |
| Provision for loan and lease losses | $768,000 | 725 |
| Total noninterest income | $1,438,000 | 1,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,438,000 | 1,081 |
| Total noninterest expense | $6,003,000 | 1,531 |
| Salaries and employee benefits | $3,587,000 | 1,439 |
| Premises and equipment expense | $638,000 | 2,031 |
| Additional noninterest expense | $1,778,000 | 1,527 |
| Pre-tax net operating income | $1,855,000 | 2,292 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $719,000 | 1,628 |
| Income before extraordinary items | $1,136,000 | 2,762 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,136,000 | 2,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 1,328 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,136,000 | 2,744 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $9,206,000 | 1,160 |
| Total interest expense | $5,827,000 | 838 |
| Net interest income | $3,379,000 | 1,708 |
| Provision for loan and lease losses | $303,000 | 782 |
| Total noninterest income | $694,000 | 1,749 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $694,000 | 1,083 |
| Total noninterest expense | $3,023,000 | 1,516 |
| Salaries and employee benefits | $1,819,000 | 1,420 |
| Premises and equipment expense | $313,000 | 2,079 |
| Additional noninterest expense | $891,000 | 1,498 |
| Pre-tax net operating income | $747,000 | 2,681 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $300,000 | 1,853 |
| Income before extraordinary items | $447,000 | 3,250 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $447,000 | 3,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 785 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $447,000 | 3,224 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $31,662,000 | 1,239 |
| Total interest expense | $17,813,000 | 936 |
| Net interest income | $13,849,000 | 1,654 |
| Provision for loan and lease losses | $905,000 | 1,133 |
| Total noninterest income | $2,799,000 | 1,725 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,799,000 | 1,046 |
| Total noninterest expense | $10,271,000 | 1,741 |
| Salaries and employee benefits | $6,423,000 | 1,542 |
| Premises and equipment expense | $990,000 | 2,500 |
| Additional noninterest expense | $2,858,000 | 1,840 |
| Pre-tax net operating income | $5,472,000 | 1,745 |
| Securities gains (losses) | $124,000 | 489 |
| Applicable income taxes | $2,235,000 | 1,221 |
| Income before extraordinary items | $3,361,000 | 2,081 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,361,000 | 2,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $256,000 | 1,879 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,281,640 | 2,105 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $22,964,000 | 1,286 |
| Total interest expense | $12,337,000 | 992 |
| Net interest income | $10,627,000 | 1,637 |
| Provision for loan and lease losses | $581,000 | 1,246 |
| Total noninterest income | $2,091,000 | 1,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,091,000 | 1,057 |
| Total noninterest expense | $7,402,000 | 1,797 |
| Salaries and employee benefits | $4,561,000 | 1,627 |
| Premises and equipment expense | $755,000 | 2,459 |
| Additional noninterest expense | $2,086,000 | 1,869 |
| Pre-tax net operating income | $4,735,000 | 1,578 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,896,000 | 1,134 |
| Income before extraordinary items | $2,839,000 | 1,928 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,839,000 | 1,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,190 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,839,000 | 1,913 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $14,667,000 | 1,314 |
| Total interest expense | $7,561,000 | 1,013 |
| Net interest income | $7,106,000 | 1,630 |
| Provision for loan and lease losses | $409,000 | 1,152 |
| Total noninterest income | $1,368,000 | 1,769 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,368,000 | 1,082 |
| Total noninterest expense | $5,081,000 | 1,750 |
| Salaries and employee benefits | $3,171,000 | 1,560 |
| Premises and equipment expense | $514,000 | 2,408 |
| Additional noninterest expense | $1,396,000 | 1,869 |
| Pre-tax net operating income | $2,984,000 | 1,660 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,191,000 | 1,207 |
| Income before extraordinary items | $1,793,000 | 2,015 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,793,000 | 2,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 8,307 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,793,000 | 2,005 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,053,000 | 1,340 |
| Total interest expense | $3,484,000 | 1,044 |
| Net interest income | $3,569,000 | 1,609 |
| Provision for loan and lease losses | $178,000 | 1,250 |
| Total noninterest income | $698,000 | 1,698 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $698,000 | 1,045 |
| Total noninterest expense | $2,452,000 | 1,807 |
| Salaries and employee benefits | $1,574,000 | 1,583 |
| Premises and equipment expense | $254,000 | 2,440 |
| Additional noninterest expense | $624,000 | 2,080 |
| Pre-tax net operating income | $1,637,000 | 1,512 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $655,000 | 1,105 |
| Income before extraordinary items | $982,000 | 1,823 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $982,000 | 1,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 1,701 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $982,000 | 1,808 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $25,055,000 | 1,334 |
| Total interest expense | $10,312,000 | 1,093 |
| Net interest income | $14,743,000 | 1,485 |
| Provision for loan and lease losses | $1,196,000 | 896 |
| Total noninterest income | $3,018,000 | 1,600 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,018,000 | 1,006 |
| Total noninterest expense | $9,441,000 | 1,800 |
| Salaries and employee benefits | $5,700,000 | 1,642 |
| Premises and equipment expense | $1,121,000 | 2,141 |
| Additional noninterest expense | $2,620,000 | 1,938 |
| Pre-tax net operating income | $7,124,000 | 1,343 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,849,000 | 994 |
| Income before extraordinary items | $4,275,000 | 1,641 |
| Extraordinary gains, net | $10,000 | 37 |
| Net income | $4,285,000 | 1,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 2,411 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,275,000 | 1,616 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $18,204,000 | 1,337 |
| Total interest expense | $7,154,000 | 1,110 |
| Net interest income | $11,050,000 | 1,466 |
| Provision for loan and lease losses | $973,000 | 783 |
| Total noninterest income | $2,244,000 | 1,608 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,244,000 | 1,029 |
| Total noninterest expense | $6,923,000 | 1,818 |
| Salaries and employee benefits | $4,076,000 | 1,694 |
| Premises and equipment expense | $850,000 | 2,099 |
| Additional noninterest expense | $1,997,000 | 1,875 |
| Pre-tax net operating income | $5,398,000 | 1,333 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,160,000 | 1,000 |
| Income before extraordinary items | $3,238,000 | 1,624 |
| Extraordinary gains, net | $10,000 | 27 |
| Net income | $3,248,000 | 1,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $253,000 | 1,434 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,238,000 | 1,591 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,773,000 | 1,338 |
| Total interest expense | $4,425,000 | 1,123 |
| Net interest income | $7,348,000 | 1,446 |
| Provision for loan and lease losses | $592,000 | 851 |
| Total noninterest income | $1,516,000 | 1,580 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,516,000 | 1,005 |
| Total noninterest expense | $4,508,000 | 1,840 |
| Salaries and employee benefits | $2,634,000 | 1,748 |
| Premises and equipment expense | $569,000 | 2,073 |
| Additional noninterest expense | $1,305,000 | 1,885 |
| Pre-tax net operating income | $3,764,000 | 1,236 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,504,000 | 954 |
| Income before extraordinary items | $2,260,000 | 1,528 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,260,000 | 1,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 1,200 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,260,000 | 1,502 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,584,000 | 1,385 |
| Total interest expense | $2,034,000 | 1,164 |
| Net interest income | $3,550,000 | 1,494 |
| Provision for loan and lease losses | $300,000 | 755 |
| Total noninterest income | $764,000 | 1,545 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $764,000 | 984 |
| Total noninterest expense | $2,236,000 | 1,863 |
| Salaries and employee benefits | $1,360,000 | 1,694 |
| Premises and equipment expense | $277,000 | 2,154 |
| Additional noninterest expense | $599,000 | 2,053 |
| Pre-tax net operating income | $1,778,000 | 1,289 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $710,000 | 993 |
| Income before extraordinary items | $1,068,000 | 1,575 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,068,000 | 1,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 1,655 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,068,000 | 1,552 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $19,879,000 | 1,446 |
| Total interest expense | $6,338,000 | 1,300 |
| Net interest income | $13,541,000 | 1,493 |
| Provision for loan and lease losses | $1,409,000 | 762 |
| Total noninterest income | $3,213,000 | 1,504 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,213,000 | 932 |
| Total noninterest expense | $9,198,000 | 1,757 |
| Salaries and employee benefits | $5,496,000 | 1,602 |
| Premises and equipment expense | $1,173,000 | 1,966 |
| Additional noninterest expense | $2,529,000 | 1,925 |
| Pre-tax net operating income | $6,147,000 | 1,402 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $2,451,000 | 1,067 |
| Income before extraordinary items | $3,696,000 | 1,728 |
| Extraordinary gains, net | $13,000 | 24 |
| Net income | $3,709,000 | 1,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $411,000 | 1,566 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,696,000 | 1,685 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $14,324,000 | 1,500 |
| Total interest expense | $4,413,000 | 1,363 |
| Net interest income | $9,911,000 | 1,522 |
| Provision for loan and lease losses | $886,000 | 883 |
| Total noninterest income | $2,371,000 | 1,537 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,371,000 | 953 |
| Total noninterest expense | $6,857,000 | 1,759 |
| Salaries and employee benefits | $4,088,000 | 1,625 |
| Premises and equipment expense | $860,000 | 2,010 |
| Additional noninterest expense | $1,909,000 | 1,879 |
| Pre-tax net operating income | $4,539,000 | 1,430 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,809,000 | 1,107 |
| Income before extraordinary items | $2,730,000 | 1,769 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,730,000 | 1,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $278,000 | 1,523 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,730,000 | 1,717 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,005,000 | 1,566 |
| Total interest expense | $2,712,000 | 1,466 |
| Net interest income | $6,293,000 | 1,583 |
| Provision for loan and lease losses | $409,000 | 1,206 |
| Total noninterest income | $1,625,000 | 1,505 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,625,000 | 931 |
| Total noninterest expense | $4,518,000 | 1,772 |
| Salaries and employee benefits | $2,623,000 | 1,681 |
| Premises and equipment expense | $585,000 | 1,959 |
| Additional noninterest expense | $1,310,000 | 1,824 |
| Pre-tax net operating income | $2,991,000 | 1,427 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,187,000 | 1,117 |
| Income before extraordinary items | $1,804,000 | 1,765 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,804,000 | 1,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 1,369 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,804,000 | 1,705 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,371,000 | 1,612 |
| Total interest expense | $1,302,000 | 1,537 |
| Net interest income | $3,069,000 | 1,622 |
| Provision for loan and lease losses | $233,000 | 1,019 |
| Total noninterest income | $917,000 | 1,351 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $917,000 | 842 |
| Total noninterest expense | $2,294,000 | 1,764 |
| Salaries and employee benefits | $1,389,000 | 1,610 |
| Premises and equipment expense | $292,000 | 1,980 |
| Additional noninterest expense | $613,000 | 1,939 |
| Pre-tax net operating income | $1,459,000 | 1,422 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $581,000 | 1,154 |
| Income before extraordinary items | $878,000 | 1,780 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $878,000 | 1,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $295,000 | 623 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $878,000 | 1,696 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $16,779,000 | 1,700 |
| Total interest expense | $4,980,000 | 1,797 |
| Net interest income | $11,799,000 | 1,645 |
| Provision for loan and lease losses | $990,000 | 1,199 |
| Total noninterest income | $5,085,000 | 1,120 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $5,085,000 | 754 |
| Total noninterest expense | $8,897,000 | 1,783 |
| Salaries and employee benefits | $4,677,000 | 1,845 |
| Premises and equipment expense | $1,254,000 | 1,824 |
| Additional noninterest expense | $2,966,000 | 1,646 |
| Pre-tax net operating income | $6,997,000 | 1,198 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $2,696,000 | 1,001 |
| Income before extraordinary items | $4,301,000 | 1,460 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,301,000 | 1,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $697,000 | 1,234 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,301,000 | 1,396 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,404,000 | 1,751 |
| Total interest expense | $3,663,000 | 1,909 |
| Net interest income | $8,741,000 | 1,678 |
| Provision for loan and lease losses | $648,000 | 1,322 |
| Total noninterest income | $4,389,000 | 1,033 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,389,000 | 699 |
| Total noninterest expense | $6,553,000 | 1,824 |
| Salaries and employee benefits | $3,481,000 | 1,860 |
| Premises and equipment expense | $932,000 | 1,848 |
| Additional noninterest expense | $2,140,000 | 1,692 |
| Pre-tax net operating income | $5,929,000 | 1,092 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $2,381,000 | 927 |
| Income before extraordinary items | $3,548,000 | 1,402 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,548,000 | 1,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $416,000 | 1,355 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,548,000 | 1,326 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,212,000 | 1,779 |
| Total interest expense | $2,547,000 | 1,889 |
| Net interest income | $5,665,000 | 1,721 |
| Provision for loan and lease losses | $387,000 | 1,448 |
| Total noninterest income | $3,613,000 | 858 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,613,000 | 589 |
| Total noninterest expense | $4,253,000 | 1,858 |
| Salaries and employee benefits | $2,223,000 | 1,913 |
| Premises and equipment expense | $618,000 | 1,847 |
| Additional noninterest expense | $1,412,000 | 1,704 |
| Pre-tax net operating income | $4,638,000 | 943 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,866,000 | 820 |
| Income before extraordinary items | $2,772,000 | 1,211 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,772,000 | 1,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 1,907 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,772,000 | 1,119 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,160,000 | 1,768 |
| Total interest expense | $1,290,000 | 1,911 |
| Net interest income | $2,870,000 | 1,699 |
| Provision for loan and lease losses | $311,000 | 887 |
| Total noninterest income | $690,000 | 1,797 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $690,000 | 1,175 |
| Total noninterest expense | $2,162,000 | 1,822 |
| Salaries and employee benefits | $1,162,000 | 1,835 |
| Premises and equipment expense | $313,000 | 1,822 |
| Additional noninterest expense | $687,000 | 1,720 |
| Pre-tax net operating income | $1,087,000 | 1,895 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $441,000 | 1,516 |
| Income before extraordinary items | $646,000 | 2,370 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $646,000 | 2,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 875 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $646,000 | 2,242 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $17,207,000 | 1,799 |
| Total interest expense | $5,832,000 | 1,947 |
| Net interest income | $11,375,000 | 1,704 |
| Provision for loan and lease losses | $2,039,000 | 718 |
| Total noninterest income | $2,625,000 | 1,735 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,625,000 | 1,097 |
| Total noninterest expense | $8,440,000 | 1,798 |
| Salaries and employee benefits | $4,209,000 | 1,915 |
| Premises and equipment expense | $1,227,000 | 1,814 |
| Additional noninterest expense | $3,004,000 | 1,575 |
| Pre-tax net operating income | $3,521,000 | 2,198 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,407,000 | 1,736 |
| Income before extraordinary items | $2,114,000 | 2,686 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,114,000 | 2,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,687,000 | 623 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,114,000 | 2,592 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $16,344,000 | 2,101 |
| Total interest expense | $7,068,000 | 2,273 |
| Net interest income | $9,276,000 | 1,921 |
| Provision for loan and lease losses | $1,588,000 | 862 |
| Total noninterest income | $2,374,000 | 1,761 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,374,000 | 1,108 |
| Total noninterest expense | $7,628,000 | 1,897 |
| Salaries and employee benefits | $3,904,000 | 1,920 |
| Premises and equipment expense | $1,210,000 | 1,790 |
| Additional noninterest expense | $2,514,000 | 1,819 |
| Pre-tax net operating income | $2,434,000 | 2,721 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,100,000 | 1,938 |
| Income before extraordinary items | $1,334,000 | 3,521 |
| Extraordinary gains, net | $321,000 | 43 |
| Net income | $1,655,000 | 3,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,180,000 | 835 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,334,000 | 3,427 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,604,000 | 2,390 |
| Total interest expense | $6,379,000 | 2,613 |
| Net interest income | $8,225,000 | 2,153 |
| Provision for loan and lease losses | $1,288,000 | 862 |
| Total noninterest income | $2,155,000 | 1,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,155,000 | 1,079 |
| Total noninterest expense | $7,122,000 | 1,956 |
| Salaries and employee benefits | $3,692,000 | 1,946 |
| Premises and equipment expense | $823,000 | 2,510 |
| Additional noninterest expense | $2,607,000 | 1,697 |
| Pre-tax net operating income | $1,970,000 | 3,366 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $817,000 | 2,482 |
| Income before extraordinary items | $1,153,000 | 3,973 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,153,000 | 3,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $917,000 | 794 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,153,000 | 3,959 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,919,000 | 4,447 |
| Total interest expense | $3,007,000 | 4,595 |
| Net interest income | $3,912,000 | 4,266 |
| Provision for loan and lease losses | $890,000 | 1,078 |
| Total noninterest income | $986,000 | 3,123 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $986,000 | 1,890 |
| Total noninterest expense | $2,963,000 | 4,255 |
| Salaries and employee benefits | $1,543,000 | 4,233 |
| Premises and equipment expense | $343,000 | 5,040 |
| Additional noninterest expense | $1,077,000 | 3,772 |
| Pre-tax net operating income | $1,045,000 | 5,176 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $526,000 | 3,525 |
| Income before extraordinary items | $519,000 | 6,305 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $519,000 | 6,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,244,000 | 616 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $519,000 | 6,288 |
* 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.