Home > Blue Ridge Bank > Income and Expense
Blue Ridge Bank, Income and Expense
| 2016-09-30 (YTD Data) | Rank | |
| Total interest income | $8,886,000 | 2,096 |
| Total interest expense | $1,598,000 | 1,338 |
| Net interest income | $7,288,000 | 2,250 |
| Provision for loan and lease losses | $495,000 | 1,157 |
| Total noninterest income | $753,000 | 3,034 |
| Gross Fiduciary activities income | $0 | 1,132 |
| Service charges on deposit accounts | $238,000 | 2,867 |
| Trading account gains and fees | $0 | 169 |
| Additional Noninterest Income | $515,000 | 2,870 |
| Total noninterest expense | $4,805,000 | 2,718 |
| Salaries and employee benefits | $2,231,000 | 3,044 |
| Premises and equipment expense | $434,000 | 3,095 |
| Additional noninterest expense | $2,140,000 | 2,060 |
| Pre-tax net operating income | $2,741,000 | 2,091 |
| Securities gains (losses) | $0 | 3,160 |
| Applicable income taxes | $807,000 | 1,618 |
| Income before extraordinary items | $1,934,000 | 2,396 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $1,934,000 | 2,395 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $1,934,000 | 2,396 |
| Net charge-offs | $862,000 | 541 |
| Cash dividends | $0 | 3,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 719 |
| Net operating income | $1,934,000 | 2,343 |
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $5,829,000 | 2,126 |
| Total interest expense | $1,042,000 | 1,367 |
| Net interest income | $4,787,000 | 2,274 |
| Provision for loan and lease losses | $200,000 | 1,606 |
| Total noninterest income | $529,000 | 2,940 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $157,000 | 2,871 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $372,000 | 2,750 |
| Total noninterest expense | $3,143,000 | 2,757 |
| Salaries and employee benefits | $1,505,000 | 3,042 |
| Premises and equipment expense | $288,000 | 3,119 |
| Additional noninterest expense | $1,350,000 | 2,175 |
| Pre-tax net operating income | $1,973,000 | 1,962 |
| Securities gains (losses) | $0 | 2,835 |
| Applicable income taxes | $585,000 | 1,519 |
| Income before extraordinary items | $1,388,000 | 2,254 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,388,000 | 2,253 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $1,388,000 | 2,253 |
| Net charge-offs | $119,000 | 1,476 |
| Cash dividends | $0 | 3,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 705 |
| Net operating income | $1,388,000 | 2,188 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $2,862,000 | 2,165 |
| Total interest expense | $516,000 | 1,379 |
| Net interest income | $2,346,000 | 2,307 |
| Provision for loan and lease losses | $90,000 | 1,597 |
| Total noninterest income | $222,000 | 3,202 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $78,000 | 2,880 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $144,000 | 3,033 |
| Total noninterest expense | $1,559,000 | 2,786 |
| Salaries and employee benefits | $730,000 | 3,122 |
| Premises and equipment expense | $148,000 | 3,084 |
| Additional noninterest expense | $681,000 | 2,142 |
| Pre-tax net operating income | $919,000 | 2,040 |
| Securities gains (losses) | $0 | 2,077 |
| Applicable income taxes | $272,000 | 1,567 |
| Income before extraordinary items | $647,000 | 2,324 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $647,000 | 2,324 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $647,000 | 2,324 |
| Net charge-offs | $36,000 | 1,646 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $647,000 | 2,276 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $10,655,000 | 2,250 |
| Total interest expense | $1,940,000 | 1,430 |
| Net interest income | $8,715,000 | 2,398 |
| Provision for loan and lease losses | $320,000 | 1,838 |
| Total noninterest income | $1,166,000 | 2,833 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $304,000 | 3,006 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $862,000 | 2,561 |
| Total noninterest expense | $5,800,000 | 2,923 |
| Salaries and employee benefits | $2,659,000 | 3,272 |
| Premises and equipment expense | $567,000 | 3,227 |
| Additional noninterest expense | $2,574,000 | 2,278 |
| Pre-tax net operating income | $3,761,000 | 1,962 |
| Securities gains (losses) | $0 | 3,216 |
| Applicable income taxes | $1,106,000 | 1,508 |
| Income before extraordinary items | $2,655,000 | 2,234 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $2,655,000 | 2,234 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $2,655,000 | 2,235 |
| Net charge-offs | $94,000 | 2,711 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $2,655,000 | 2,191 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $7,852,000 | 2,300 |
| Total interest expense | $1,444,000 | 1,448 |
| Net interest income | $6,408,000 | 2,456 |
| Provision for loan and lease losses | $230,000 | 1,786 |
| Total noninterest income | $835,000 | 2,906 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $230,000 | 3,004 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $605,000 | 2,657 |
| Total noninterest expense | $4,301,000 | 2,977 |
| Salaries and employee benefits | $1,976,000 | 3,306 |
| Premises and equipment expense | $435,000 | 3,223 |
| Additional noninterest expense | $1,890,000 | 2,322 |
| Pre-tax net operating income | $2,712,000 | 2,065 |
| Securities gains (losses) | $0 | 3,031 |
| Applicable income taxes | $803,000 | 1,578 |
| Income before extraordinary items | $1,909,000 | 2,346 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,909,000 | 2,347 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,909,000 | 2,347 |
| Net charge-offs | $75,000 | 2,423 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $1,909,000 | 2,308 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $5,110,000 | 2,346 |
| Total interest expense | $953,000 | 1,467 |
| Net interest income | $4,157,000 | 2,520 |
| Provision for loan and lease losses | $80,000 | 2,468 |
| Total noninterest income | $473,000 | 3,185 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $148,000 | 3,052 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $325,000 | 2,962 |
| Total noninterest expense | $2,920,000 | 2,943 |
| Salaries and employee benefits | $1,328,000 | 3,312 |
| Premises and equipment expense | $293,000 | 3,217 |
| Additional noninterest expense | $1,299,000 | 2,267 |
| Pre-tax net operating income | $1,630,000 | 2,199 |
| Securities gains (losses) | $0 | 2,636 |
| Applicable income taxes | $477,000 | 1,677 |
| Income before extraordinary items | $1,153,000 | 2,501 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,153,000 | 2,503 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $1,153,000 | 2,503 |
| Net charge-offs | $39,000 | 2,519 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $1,153,000 | 2,443 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $2,503,000 | 2,380 |
| Total interest expense | $472,000 | 1,470 |
| Net interest income | $2,031,000 | 2,564 |
| Provision for loan and lease losses | $40,000 | 2,298 |
| Total noninterest income | $248,000 | 3,055 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $69,000 | 3,159 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $179,000 | 2,776 |
| Total noninterest expense | $1,443,000 | 2,978 |
| Salaries and employee benefits | $660,000 | 3,368 |
| Premises and equipment expense | $151,000 | 3,188 |
| Additional noninterest expense | $632,000 | 2,303 |
| Pre-tax net operating income | $796,000 | 2,223 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $233,000 | 1,663 |
| Income before extraordinary items | $563,000 | 2,504 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $563,000 | 2,507 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $563,000 | 2,506 |
| Net charge-offs | $31,000 | 1,862 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $563,000 | 2,429 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $9,275,000 | 2,573 |
| Total interest expense | $1,684,000 | 1,716 |
| Net interest income | $7,591,000 | 2,740 |
| Provision for loan and lease losses | $70,000 | 3,509 |
| Total noninterest income | $983,000 | 3,138 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $280,000 | 3,339 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $703,000 | 2,815 |
| Total noninterest expense | $5,665,000 | 3,041 |
| Salaries and employee benefits | $2,689,000 | 3,314 |
| Premises and equipment expense | $554,000 | 3,408 |
| Additional noninterest expense | $2,422,000 | 2,469 |
| Pre-tax net operating income | $2,839,000 | 2,356 |
| Securities gains (losses) | $14,000 | 2,497 |
| Applicable income taxes | $807,000 | 1,752 |
| Income before extraordinary items | $2,046,000 | 2,661 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $2,046,000 | 2,659 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,046,000 | 2,661 |
| Net charge-offs | $20,000 | 4,300 |
| Cash dividends | $300,000 | 3,365 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,035,920 | 2,626 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $6,782,000 | 2,647 |
| Total interest expense | $1,230,000 | 1,778 |
| Net interest income | $5,552,000 | 2,807 |
| Provision for loan and lease losses | $10,000 | 4,128 |
| Total noninterest income | $718,000 | 3,203 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $204,000 | 3,435 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $514,000 | 2,870 |
| Total noninterest expense | $4,069,000 | 3,158 |
| Salaries and employee benefits | $1,902,000 | 3,459 |
| Premises and equipment expense | $410,000 | 3,482 |
| Additional noninterest expense | $1,757,000 | 2,545 |
| Pre-tax net operating income | $2,191,000 | 2,364 |
| Securities gains (losses) | $9,000 | 2,383 |
| Applicable income taxes | $626,000 | 1,767 |
| Income before extraordinary items | $1,574,000 | 2,645 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,574,000 | 2,645 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,574,000 | 2,645 |
| Net charge-offs | $12,000 | 4,087 |
| Cash dividends | $300,000 | 2,725 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $1,567,520 | 2,609 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $4,428,000 | 2,694 |
| Total interest expense | $814,000 | 1,811 |
| Net interest income | $3,614,000 | 2,851 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $411,000 | 3,450 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $131,000 | 3,482 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $280,000 | 3,139 |
| Total noninterest expense | $2,628,000 | 3,230 |
| Salaries and employee benefits | $1,246,000 | 3,522 |
| Premises and equipment expense | $271,000 | 3,518 |
| Additional noninterest expense | $1,111,000 | 2,656 |
| Pre-tax net operating income | $1,397,000 | 2,383 |
| Securities gains (losses) | $1,000 | 2,460 |
| Applicable income taxes | $393,000 | 1,781 |
| Income before extraordinary items | $1,005,000 | 2,632 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,005,000 | 2,636 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $1,005,000 | 2,636 |
| Net charge-offs | $9,000 | 3,772 |
| Cash dividends | $300,000 | 2,325 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $1,004,280 | 2,588 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $2,164,000 | 2,743 |
| Total interest expense | $391,000 | 1,903 |
| Net interest income | $1,773,000 | 2,898 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $171,000 | 3,740 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $62,000 | 3,563 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $109,000 | 3,444 |
| Total noninterest expense | $1,232,000 | 3,412 |
| Salaries and employee benefits | $601,000 | 3,635 |
| Premises and equipment expense | $123,000 | 3,793 |
| Additional noninterest expense | $508,000 | 2,847 |
| Pre-tax net operating income | $712,000 | 2,286 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $201,000 | 1,706 |
| Income before extraordinary items | $511,000 | 2,518 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $511,000 | 2,521 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $511,000 | 2,521 |
| Net charge-offs | $1,000 | 3,492 |
| Cash dividends | $300,000 | 1,415 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $511,000 | 2,471 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $8,252,000 | 2,877 |
| Total interest expense | $1,572,000 | 2,075 |
| Net interest income | $6,680,000 | 3,004 |
| Provision for loan and lease losses | $310,000 | 2,398 |
| Total noninterest income | $940,000 | 3,314 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $299,000 | 3,361 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $641,000 | 3,005 |
| Total noninterest expense | $4,793,000 | 3,510 |
| Salaries and employee benefits | $2,266,000 | 3,789 |
| Premises and equipment expense | $466,000 | 3,884 |
| Additional noninterest expense | $2,061,000 | 2,900 |
| Pre-tax net operating income | $2,517,000 | 2,456 |
| Securities gains (losses) | $16,000 | 2,449 |
| Applicable income taxes | $700,000 | 1,815 |
| Income before extraordinary items | $1,833,000 | 2,779 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,833,000 | 2,781 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $1,833,000 | 2,782 |
| Net charge-offs | $20,000 | 4,847 |
| Cash dividends | $500,000 | 2,742 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $1,821,480 | 2,725 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $6,082,000 | 2,939 |
| Total interest expense | $1,178,000 | 2,139 |
| Net interest income | $4,904,000 | 3,085 |
| Provision for loan and lease losses | $220,000 | 2,473 |
| Total noninterest income | $736,000 | 3,283 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $219,000 | 3,429 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $517,000 | 2,963 |
| Total noninterest expense | $3,464,000 | 3,611 |
| Salaries and employee benefits | $1,630,000 | 3,893 |
| Premises and equipment expense | $345,000 | 3,967 |
| Additional noninterest expense | $1,489,000 | 2,993 |
| Pre-tax net operating income | $1,956,000 | 2,466 |
| Securities gains (losses) | $4,000 | 2,720 |
| Applicable income taxes | $554,000 | 1,810 |
| Income before extraordinary items | $1,406,000 | 2,781 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $1,406,000 | 2,785 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,406,000 | 2,785 |
| Net charge-offs | $18,000 | 4,458 |
| Cash dividends | $200,000 | 2,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,403,120 | 2,709 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $3,993,000 | 2,974 |
| Total interest expense | $786,000 | 2,178 |
| Net interest income | $3,207,000 | 3,123 |
| Provision for loan and lease losses | $170,000 | 2,311 |
| Total noninterest income | $543,000 | 3,148 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $144,000 | 3,411 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $399,000 | 2,806 |
| Total noninterest expense | $2,288,000 | 3,649 |
| Salaries and employee benefits | $1,106,000 | 3,870 |
| Premises and equipment expense | $239,000 | 3,892 |
| Additional noninterest expense | $943,000 | 3,098 |
| Pre-tax net operating income | $1,292,000 | 2,457 |
| Securities gains (losses) | $29,000 | 1,835 |
| Applicable income taxes | $375,000 | 1,804 |
| Income before extraordinary items | $946,000 | 2,751 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $946,000 | 2,756 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $946,000 | 2,756 |
| Net charge-offs | $15,000 | 4,144 |
| Cash dividends | $200,000 | 2,545 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $925,120 | 2,694 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,979,000 | 3,010 |
| Total interest expense | $403,000 | 2,183 |
| Net interest income | $1,576,000 | 3,177 |
| Provision for loan and lease losses | $100,000 | 2,044 |
| Total noninterest income | $197,000 | 3,680 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $70,000 | 3,467 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $127,000 | 3,408 |
| Total noninterest expense | $1,134,000 | 3,702 |
| Salaries and employee benefits | $557,000 | 3,889 |
| Premises and equipment expense | $125,000 | 3,806 |
| Additional noninterest expense | $452,000 | 3,207 |
| Pre-tax net operating income | $539,000 | 2,740 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $146,000 | 2,009 |
| Income before extraordinary items | $393,000 | 3,056 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $393,000 | 3,056 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $393,000 | 3,058 |
| Net charge-offs | $2,000 | 3,902 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $393,000 | 2,970 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $8,265,000 | 3,021 |
| Total interest expense | $1,777,000 | 2,372 |
| Net interest income | $6,488,000 | 3,186 |
| Provision for loan and lease losses | $670,000 | 2,321 |
| Total noninterest income | $711,000 | 3,865 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $316,000 | 3,390 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $395,000 | 3,653 |
| Total noninterest expense | $4,361,000 | 3,803 |
| Salaries and employee benefits | $2,037,000 | 4,095 |
| Premises and equipment expense | $495,000 | 3,851 |
| Additional noninterest expense | $1,829,000 | 3,309 |
| Pre-tax net operating income | $2,168,000 | 2,663 |
| Securities gains (losses) | $21,000 | 3,160 |
| Applicable income taxes | $603,000 | 1,993 |
| Income before extraordinary items | $1,586,000 | 3,012 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,586,000 | 3,013 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,586,000 | 3,014 |
| Net charge-offs | $346,000 | 3,140 |
| Cash dividends | $700,000 | 2,380 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $1,570,880 | 2,908 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $6,238,000 | 3,068 |
| Total interest expense | $1,369,000 | 2,402 |
| Net interest income | $4,869,000 | 3,217 |
| Provision for loan and lease losses | $540,000 | 2,179 |
| Total noninterest income | $516,000 | 3,946 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $245,000 | 3,365 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $271,000 | 3,826 |
| Total noninterest expense | $3,216,000 | 3,866 |
| Salaries and employee benefits | $1,464,000 | 4,208 |
| Premises and equipment expense | $370,000 | 3,906 |
| Additional noninterest expense | $1,382,000 | 3,307 |
| Pre-tax net operating income | $1,629,000 | 2,725 |
| Securities gains (losses) | $5,000 | 3,269 |
| Applicable income taxes | $447,000 | 2,059 |
| Income before extraordinary items | $1,187,000 | 3,103 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,187,000 | 3,101 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,187,000 | 3,101 |
| Net charge-offs | $282,000 | 2,904 |
| Cash dividends | $400,000 | 2,271 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $1,183,350 | 2,957 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,139,000 | 3,103 |
| Total interest expense | $931,000 | 2,442 |
| Net interest income | $3,208,000 | 3,247 |
| Provision for loan and lease losses | $180,000 | 3,106 |
| Total noninterest income | $299,000 | 4,224 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $164,000 | 3,345 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $135,000 | 4,232 |
| Total noninterest expense | $2,214,000 | 3,827 |
| Salaries and employee benefits | $979,000 | 4,224 |
| Premises and equipment expense | $242,000 | 3,956 |
| Additional noninterest expense | $993,000 | 3,137 |
| Pre-tax net operating income | $1,113,000 | 2,652 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $303,000 | 2,042 |
| Income before extraordinary items | $810,000 | 3,009 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $810,000 | 3,009 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $810,000 | 3,009 |
| Net charge-offs | $10,000 | 4,928 |
| Cash dividends | $400,000 | 1,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $810,000 | 2,864 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,070,000 | 3,122 |
| Total interest expense | $474,000 | 2,488 |
| Net interest income | $1,596,000 | 3,289 |
| Provision for loan and lease losses | $95,000 | 2,953 |
| Total noninterest income | $209,000 | 3,562 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $79,000 | 3,405 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $130,000 | 3,275 |
| Total noninterest expense | $1,165,000 | 3,711 |
| Salaries and employee benefits | $492,000 | 4,244 |
| Premises and equipment expense | $123,000 | 3,927 |
| Additional noninterest expense | $550,000 | 2,861 |
| Pre-tax net operating income | $545,000 | 2,711 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $146,000 | 2,070 |
| Income before extraordinary items | $399,000 | 3,073 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $399,000 | 3,076 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $399,000 | 3,077 |
| Net charge-offs | $4,000 | 4,348 |
| Cash dividends | $200,000 | 1,565 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $399,000 | 2,924 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $6,751,000 | 3,765 |
| Total interest expense | $1,759,000 | 3,059 |
| Net interest income | $4,992,000 | 3,913 |
| Provision for loan and lease losses | $325,000 | 4,009 |
| Total noninterest income | $683,000 | 3,825 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $310,000 | 3,535 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $373,000 | 3,528 |
| Total noninterest expense | $3,726,000 | 4,317 |
| Salaries and employee benefits | $1,647,000 | 4,693 |
| Premises and equipment expense | $371,000 | 4,737 |
| Additional noninterest expense | $1,708,000 | 3,548 |
| Pre-tax net operating income | $1,624,000 | 2,899 |
| Securities gains (losses) | $41,000 | 2,709 |
| Applicable income taxes | $417,000 | 2,211 |
| Income before extraordinary items | $1,248,000 | 3,135 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,248,000 | 3,138 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,248,000 | 3,138 |
| Net charge-offs | $162,000 | 4,531 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,217,250 | 3,085 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,937,000 | 3,863 |
| Total interest expense | $1,289,000 | 3,215 |
| Net interest income | $3,648,000 | 3,997 |
| Provision for loan and lease losses | $250,000 | 3,854 |
| Total noninterest income | $538,000 | 3,740 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $245,000 | 3,436 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $293,000 | 3,497 |
| Total noninterest expense | $2,683,000 | 4,440 |
| Salaries and employee benefits | $1,166,000 | 4,868 |
| Premises and equipment expense | $266,000 | 4,901 |
| Additional noninterest expense | $1,251,000 | 3,580 |
| Pre-tax net operating income | $1,253,000 | 2,920 |
| Securities gains (losses) | $41,000 | 2,444 |
| Applicable income taxes | $337,000 | 2,143 |
| Income before extraordinary items | $957,000 | 3,155 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $957,000 | 3,155 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $957,000 | 3,155 |
| Net charge-offs | $126,000 | 4,194 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $926,660 | 3,122 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,293,000 | 3,897 |
| Total interest expense | $895,000 | 3,224 |
| Net interest income | $2,398,000 | 4,049 |
| Provision for loan and lease losses | $125,000 | 4,121 |
| Total noninterest income | $347,000 | 3,838 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $154,000 | 3,537 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $193,000 | 3,540 |
| Total noninterest expense | $1,784,000 | 4,481 |
| Salaries and employee benefits | $781,000 | 4,892 |
| Premises and equipment expense | $182,000 | 4,867 |
| Additional noninterest expense | $821,000 | 3,680 |
| Pre-tax net operating income | $836,000 | 2,851 |
| Securities gains (losses) | $41,000 | 1,708 |
| Applicable income taxes | $228,000 | 2,083 |
| Income before extraordinary items | $649,000 | 3,046 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $649,000 | 3,049 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $649,000 | 3,049 |
| Net charge-offs | $118,000 | 3,680 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $618,660 | 3,051 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,677,000 | 3,887 |
| Total interest expense | $457,000 | 3,267 |
| Net interest income | $1,220,000 | 4,004 |
| Provision for loan and lease losses | $30,000 | 4,582 |
| Total noninterest income | $169,000 | 3,923 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $79,000 | 3,463 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $90,000 | 3,734 |
| Total noninterest expense | $915,000 | 4,433 |
| Salaries and employee benefits | $402,000 | 4,850 |
| Premises and equipment expense | $98,000 | 4,744 |
| Additional noninterest expense | $415,000 | 3,641 |
| Pre-tax net operating income | $444,000 | 2,776 |
| Securities gains (losses) | $41,000 | 825 |
| Applicable income taxes | $129,000 | 1,922 |
| Income before extraordinary items | $356,000 | 2,896 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $356,000 | 2,895 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $356,000 | 2,896 |
| Net charge-offs | $64,000 | 3,148 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $326,070 | 2,999 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $6,971,000 | 3,911 |
| Total interest expense | $2,173,000 | 3,338 |
| Net interest income | $4,798,000 | 4,076 |
| Provision for loan and lease losses | $600,000 | 3,834 |
| Total noninterest income | $848,000 | 3,539 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $447,000 | 2,861 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $401,000 | 3,507 |
| Total noninterest expense | $3,798,000 | 4,353 |
| Salaries and employee benefits | $2,053,000 | 4,146 |
| Premises and equipment expense | $404,000 | 4,732 |
| Additional noninterest expense | $1,341,000 | 4,319 |
| Pre-tax net operating income | $1,248,000 | 3,030 |
| Securities gains (losses) | $88,000 | 2,270 |
| Applicable income taxes | $290,000 | 2,388 |
| Income before extraordinary items | $1,046,000 | 3,134 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,046,000 | 3,131 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,046,000 | 3,134 |
| Net charge-offs | $112,000 | 5,329 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $977,360 | 3,132 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,202,000 | 4,007 |
| Total interest expense | $1,679,000 | 3,383 |
| Net interest income | $3,523,000 | 4,185 |
| Provision for loan and lease losses | $420,000 | 3,826 |
| Total noninterest income | $671,000 | 3,472 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $334,000 | 2,940 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $337,000 | 3,360 |
| Total noninterest expense | $2,785,000 | 4,439 |
| Salaries and employee benefits | $1,542,000 | 4,187 |
| Premises and equipment expense | $309,000 | 4,758 |
| Additional noninterest expense | $934,000 | 4,503 |
| Pre-tax net operating income | $989,000 | 3,112 |
| Securities gains (losses) | $88,000 | 2,033 |
| Applicable income taxes | $249,000 | 2,337 |
| Income before extraordinary items | $828,000 | 3,219 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $828,000 | 3,217 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $828,000 | 3,219 |
| Net charge-offs | $50,000 | 5,500 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $760,240 | 3,230 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,439,000 | 4,070 |
| Total interest expense | $1,146,000 | 3,425 |
| Net interest income | $2,293,000 | 4,261 |
| Provision for loan and lease losses | $240,000 | 3,941 |
| Total noninterest income | $458,000 | 3,384 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $232,000 | 2,865 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $226,000 | 3,297 |
| Total noninterest expense | $1,748,000 | 4,623 |
| Salaries and employee benefits | $900,000 | 4,578 |
| Premises and equipment expense | $216,000 | 4,658 |
| Additional noninterest expense | $632,000 | 4,452 |
| Pre-tax net operating income | $763,000 | 2,875 |
| Securities gains (losses) | $84,000 | 1,538 |
| Applicable income taxes | $213,000 | 2,063 |
| Income before extraordinary items | $634,000 | 2,959 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $634,000 | 2,953 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $634,000 | 2,958 |
| Net charge-offs | $46,000 | 4,959 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $571,000 | 3,057 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,685,000 | 4,184 |
| Total interest expense | $573,000 | 3,551 |
| Net interest income | $1,112,000 | 4,355 |
| Provision for loan and lease losses | $100,000 | 3,933 |
| Total noninterest income | $203,000 | 3,612 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $149,000 | 2,354 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $54,000 | 4,552 |
| Total noninterest expense | $877,000 | 4,662 |
| Salaries and employee benefits | $450,000 | 4,649 |
| Premises and equipment expense | $122,000 | 4,428 |
| Additional noninterest expense | $305,000 | 4,542 |
| Pre-tax net operating income | $338,000 | 3,147 |
| Securities gains (losses) | $79,000 | 897 |
| Applicable income taxes | $104,000 | 2,079 |
| Income before extraordinary items | $313,000 | 3,054 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $313,000 | 3,050 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $313,000 | 3,054 |
| Net charge-offs | $119,000 | 2,954 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $253,750 | 3,336 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,292,000 | 4,479 |
| Total interest expense | $2,085,000 | 4,328 |
| Net interest income | $4,207,000 | 4,427 |
| Provision for loan and lease losses | $295,000 | 5,301 |
| Total noninterest income | $882,000 | 3,569 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $644,000 | 2,417 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $238,000 | 4,354 |
| Total noninterest expense | $3,564,000 | 4,660 |
| Salaries and employee benefits | $1,971,000 | 4,409 |
| Premises and equipment expense | $415,000 | 4,889 |
| Additional noninterest expense | $1,178,000 | 4,795 |
| Pre-tax net operating income | $1,230,000 | 2,670 |
| Securities gains (losses) | $178,000 | 1,640 |
| Applicable income taxes | $351,000 | 1,887 |
| Income before extraordinary items | $1,057,000 | 2,682 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,057,000 | 2,681 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,057,000 | 2,682 |
| Net charge-offs | $66,000 | 6,031 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $923,500 | 2,840 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,631,000 | 4,591 |
| Total interest expense | $1,532,000 | 4,542 |
| Net interest income | $3,099,000 | 4,494 |
| Provision for loan and lease losses | $165,000 | 5,403 |
| Total noninterest income | $662,000 | 3,650 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $482,000 | 2,431 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $180,000 | 4,456 |
| Total noninterest expense | $2,551,000 | 4,820 |
| Salaries and employee benefits | $1,364,000 | 4,677 |
| Premises and equipment expense | $309,000 | 4,953 |
| Additional noninterest expense | $878,000 | 4,790 |
| Pre-tax net operating income | $1,045,000 | 2,659 |
| Securities gains (losses) | $118,000 | 1,696 |
| Applicable income taxes | $295,000 | 1,936 |
| Income before extraordinary items | $868,000 | 2,727 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $868,000 | 2,724 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $868,000 | 2,727 |
| Net charge-offs | $56,000 | 5,586 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $779,500 | 2,844 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,008,000 | 4,695 |
| Total interest expense | $984,000 | 4,768 |
| Net interest income | $2,024,000 | 4,548 |
| Provision for loan and lease losses | $75,000 | 5,625 |
| Total noninterest income | $418,000 | 3,763 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $309,000 | 2,484 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $109,000 | 4,644 |
| Total noninterest expense | $1,756,000 | 4,762 |
| Salaries and employee benefits | $927,000 | 4,662 |
| Premises and equipment expense | $209,000 | 4,956 |
| Additional noninterest expense | $620,000 | 4,628 |
| Pre-tax net operating income | $611,000 | 2,982 |
| Securities gains (losses) | $118,000 | 1,361 |
| Applicable income taxes | $188,000 | 2,026 |
| Income before extraordinary items | $541,000 | 2,952 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $541,000 | 2,950 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $541,000 | 2,951 |
| Net charge-offs | $46,000 | 4,993 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $453,680 | 3,162 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,448,000 | 4,844 |
| Total interest expense | $485,000 | 4,909 |
| Net interest income | $963,000 | 4,680 |
| Provision for loan and lease losses | $30,000 | 5,394 |
| Total noninterest income | $194,000 | 3,872 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $147,000 | 2,511 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $47,000 | 4,942 |
| Total noninterest expense | $883,000 | 4,668 |
| Salaries and employee benefits | $485,000 | 4,571 |
| Premises and equipment expense | $119,000 | 4,641 |
| Additional noninterest expense | $279,000 | 4,631 |
| Pre-tax net operating income | $244,000 | 3,679 |
| Securities gains (losses) | $63,000 | 1,197 |
| Applicable income taxes | $77,000 | 2,438 |
| Income before extraordinary items | $230,000 | 3,618 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $230,000 | 3,618 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $230,000 | 3,619 |
| Net charge-offs | $7,000 | 4,941 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $182,750 | 3,873 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,498,000 | 5,186 |
| Total interest expense | $1,680,000 | 5,731 |
| Net interest income | $3,818,000 | 4,717 |
| Provision for loan and lease losses | $64,000 | 6,395 |
| Total noninterest income | $1,059,000 | 3,283 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $632,000 | 2,551 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $427,000 | 3,466 |
| Total noninterest expense | $3,481,000 | 4,658 |
| Salaries and employee benefits | $2,001,000 | 4,451 |
| Premises and equipment expense | $462,000 | 4,684 |
| Additional noninterest expense | $1,018,000 | 4,764 |
| Pre-tax net operating income | $1,332,000 | 3,224 |
| Securities gains (losses) | $41,000 | 1,735 |
| Applicable income taxes | $361,000 | 2,196 |
| Income before extraordinary items | $1,012,000 | 3,264 |
| Extraordinary gains, net | $-274,000 | 8,281 |
| Net income | $738,000 | 3,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,033 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $981,660 | 3,470 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,946,000 | 5,382 |
| Total interest expense | $1,191,000 | 5,979 |
| Net interest income | $2,755,000 | 4,865 |
| Provision for loan and lease losses | $16,000 | 6,605 |
| Total noninterest income | $805,000 | 3,326 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $466,000 | 2,594 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $339,000 | 3,469 |
| Total noninterest expense | $2,608,000 | 4,652 |
| Salaries and employee benefits | $1,492,000 | 4,499 |
| Premises and equipment expense | $360,000 | 4,577 |
| Additional noninterest expense | $756,000 | 4,725 |
| Pre-tax net operating income | $936,000 | 3,809 |
| Securities gains (losses) | $1,000 | 2,971 |
| Applicable income taxes | $250,000 | 2,666 |
| Income before extraordinary items | $687,000 | 3,852 |
| Extraordinary gains, net | $-274,000 | 8,364 |
| Net income | $413,000 | 4,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,374 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $686,270 | 4,004 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,563,000 | 5,521 |
| Total interest expense | $772,000 | 6,169 |
| Net interest income | $1,791,000 | 4,954 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $565,000 | 3,258 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $296,000 | 2,664 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $269,000 | 3,214 |
| Total noninterest expense | $1,755,000 | 4,646 |
| Salaries and employee benefits | $994,000 | 4,534 |
| Premises and equipment expense | $247,000 | 4,539 |
| Additional noninterest expense | $514,000 | 4,649 |
| Pre-tax net operating income | $601,000 | 4,017 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $153,000 | 2,981 |
| Income before extraordinary items | $449,000 | 4,241 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $449,000 | 4,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,590 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $448,250 | 4,183 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,283,000 | 5,619 |
| Total interest expense | $406,000 | 6,226 |
| Net interest income | $877,000 | 5,019 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $229,000 | 3,708 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $140,000 | 2,764 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $89,000 | 3,992 |
| Total noninterest expense | $884,000 | 4,630 |
| Salaries and employee benefits | $509,000 | 4,490 |
| Premises and equipment expense | $128,000 | 4,456 |
| Additional noninterest expense | $247,000 | 4,727 |
| Pre-tax net operating income | $222,000 | 4,758 |
| Securities gains (losses) | $1,000 | 2,556 |
| Applicable income taxes | $51,000 | 3,537 |
| Income before extraordinary items | $172,000 | 4,996 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $172,000 | 5,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,217 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $171,230 | 4,888 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,928,000 | 5,759 |
| Total interest expense | $1,609,000 | 6,278 |
| Net interest income | $3,319,000 | 5,219 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $955,000 | 3,633 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $570,000 | 2,781 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $385,000 | 3,804 |
| Total noninterest expense | $3,399,000 | 4,624 |
| Salaries and employee benefits | $2,074,000 | 4,282 |
| Premises and equipment expense | $501,000 | 4,355 |
| Additional noninterest expense | $824,000 | 5,251 |
| Pre-tax net operating income | $875,000 | 5,009 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $203,000 | 3,830 |
| Income before extraordinary items | $672,000 | 5,142 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $672,000 | 5,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,313 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $672,000 | 5,124 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,639,000 | 5,823 |
| Total interest expense | $1,191,000 | 6,342 |
| Net interest income | $2,448,000 | 5,285 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $707,000 | 3,667 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $416,000 | 2,822 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $291,000 | 3,795 |
| Total noninterest expense | $2,459,000 | 4,716 |
| Salaries and employee benefits | $1,495,000 | 4,386 |
| Premises and equipment expense | $373,000 | 4,373 |
| Additional noninterest expense | $591,000 | 5,351 |
| Pre-tax net operating income | $696,000 | 5,124 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $161,000 | 3,974 |
| Income before extraordinary items | $535,000 | 5,244 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $535,000 | 5,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,266 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $535,000 | 5,227 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,407,000 | 5,875 |
| Total interest expense | $799,000 | 6,360 |
| Net interest income | $1,608,000 | 5,365 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $459,000 | 3,732 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $266,000 | 2,898 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $193,000 | 3,850 |
| Total noninterest expense | $1,652,000 | 4,697 |
| Salaries and employee benefits | $1,004,000 | 4,399 |
| Premises and equipment expense | $254,000 | 4,334 |
| Additional noninterest expense | $394,000 | 5,347 |
| Pre-tax net operating income | $415,000 | 5,436 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $95,000 | 4,180 |
| Income before extraordinary items | $320,000 | 5,523 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $320,000 | 5,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,692 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $320,000 | 5,504 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,187,000 | 5,910 |
| Total interest expense | $399,000 | 6,376 |
| Net interest income | $788,000 | 5,431 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $209,000 | 3,912 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $125,000 | 2,984 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $84,000 | 4,109 |
| Total noninterest expense | $833,000 | 4,677 |
| Salaries and employee benefits | $501,000 | 4,432 |
| Premises and equipment expense | $137,000 | 4,125 |
| Additional noninterest expense | $195,000 | 5,341 |
| Pre-tax net operating income | $164,000 | 5,887 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $39,000 | 4,383 |
| Income before extraordinary items | $125,000 | 6,012 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $125,000 | 6,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,748 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $125,000 | 5,993 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,566,000 | 5,799 |
| Total interest expense | $1,452,000 | 6,182 |
| Net interest income | $3,114,000 | 5,410 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $839,000 | 3,938 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $558,000 | 2,841 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $281,000 | 4,434 |
| Total noninterest expense | $3,251,000 | 4,625 |
| Salaries and employee benefits | $1,947,000 | 4,366 |
| Premises and equipment expense | $497,000 | 4,288 |
| Additional noninterest expense | $807,000 | 5,198 |
| Pre-tax net operating income | $702,000 | 5,916 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $148,000 | 4,612 |
| Income before extraordinary items | $554,000 | 5,974 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $554,000 | 5,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,914 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $554,000 | 5,972 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,394,000 | 5,825 |
| Total interest expense | $1,054,000 | 6,215 |
| Net interest income | $2,340,000 | 5,452 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $606,000 | 4,036 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $419,000 | 2,851 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $187,000 | 4,674 |
| Total noninterest expense | $2,362,000 | 4,714 |
| Salaries and employee benefits | $1,405,000 | 4,467 |
| Premises and equipment expense | $376,000 | 4,275 |
| Additional noninterest expense | $581,000 | 5,308 |
| Pre-tax net operating income | $584,000 | 5,918 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $130,000 | 4,652 |
| Income before extraordinary items | $454,000 | 5,980 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $454,000 | 5,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,074 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $454,000 | 5,978 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,239,000 | 5,834 |
| Total interest expense | $660,000 | 6,263 |
| Net interest income | $1,579,000 | 5,441 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $391,000 | 4,097 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $272,000 | 2,896 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $119,000 | 4,766 |
| Total noninterest expense | $1,579,000 | 4,726 |
| Salaries and employee benefits | $930,000 | 4,503 |
| Premises and equipment expense | $251,000 | 4,259 |
| Additional noninterest expense | $398,000 | 5,228 |
| Pre-tax net operating income | $391,000 | 5,949 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $88,000 | 4,689 |
| Income before extraordinary items | $303,000 | 5,987 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $303,000 | 5,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,763 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $303,000 | 5,987 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,107,000 | 5,826 |
| Total interest expense | $336,000 | 6,134 |
| Net interest income | $771,000 | 5,514 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $193,000 | 4,069 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $135,000 | 2,821 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $58,000 | 4,825 |
| Total noninterest expense | $802,000 | 4,682 |
| Salaries and employee benefits | $463,000 | 4,536 |
| Premises and equipment expense | $132,000 | 4,139 |
| Additional noninterest expense | $207,000 | 5,076 |
| Pre-tax net operating income | $162,000 | 6,259 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $31,000 | 4,987 |
| Income before extraordinary items | $131,000 | 6,237 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $131,000 | 6,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 2,442 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $131,000 | 6,240 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,245,000 | 5,651 |
| Total interest expense | $1,163,000 | 5,896 |
| Net interest income | $3,082,000 | 5,425 |
| Provision for loan and lease losses | $15,000 | 6,626 |
| Total noninterest income | $764,000 | 4,155 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $539,000 | 2,901 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $225,000 | 4,940 |
| Total noninterest expense | $3,157,000 | 4,606 |
| Salaries and employee benefits | $1,819,000 | 4,443 |
| Premises and equipment expense | $509,000 | 4,126 |
| Additional noninterest expense | $829,000 | 5,048 |
| Pre-tax net operating income | $674,000 | 6,220 |
| Securities gains (losses) | $-13,000 | 7,637 |
| Applicable income taxes | $134,000 | 5,116 |
| Income before extraordinary items | $527,000 | 6,267 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $527,000 | 6,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,928 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $537,400 | 6,199 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,136,000 | 5,673 |
| Total interest expense | $845,000 | 5,869 |
| Net interest income | $2,291,000 | 5,459 |
| Provision for loan and lease losses | $15,000 | 6,317 |
| Total noninterest income | $576,000 | 4,157 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $398,000 | 2,928 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $178,000 | 4,857 |
| Total noninterest expense | $2,328,000 | 4,648 |
| Salaries and employee benefits | $1,352,000 | 4,446 |
| Premises and equipment expense | $392,000 | 4,027 |
| Additional noninterest expense | $584,000 | 5,207 |
| Pre-tax net operating income | $524,000 | 6,306 |
| Securities gains (losses) | $6,000 | 1,641 |
| Applicable income taxes | $116,000 | 5,097 |
| Income before extraordinary items | $414,000 | 6,291 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $414,000 | 6,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,265 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $409,320 | 6,279 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,051,000 | 5,667 |
| Total interest expense | $543,000 | 5,830 |
| Net interest income | $1,508,000 | 5,491 |
| Provision for loan and lease losses | $15,000 | 5,851 |
| Total noninterest income | $363,000 | 4,280 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $255,000 | 2,976 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $108,000 | 5,022 |
| Total noninterest expense | $1,557,000 | 4,616 |
| Salaries and employee benefits | $902,000 | 4,412 |
| Premises and equipment expense | $264,000 | 3,973 |
| Additional noninterest expense | $391,000 | 5,167 |
| Pre-tax net operating income | $299,000 | 6,581 |
| Securities gains (losses) | $6,000 | 1,523 |
| Applicable income taxes | $58,000 | 5,391 |
| Income before extraordinary items | $247,000 | 6,540 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $247,000 | 6,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,044 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $242,140 | 6,529 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,027,000 | 5,654 |
| Total interest expense | $261,000 | 5,856 |
| Net interest income | $766,000 | 5,471 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $148,000 | 4,742 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $117,000 | 3,099 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $31,000 | 6,124 |
| Total noninterest expense | $780,000 | 4,632 |
| Salaries and employee benefits | $451,000 | 4,438 |
| Premises and equipment expense | $140,000 | 3,846 |
| Additional noninterest expense | $189,000 | 5,293 |
| Pre-tax net operating income | $119,000 | 6,968 |
| Securities gains (losses) | $6,000 | 1,143 |
| Applicable income taxes | $18,000 | 5,732 |
| Income before extraordinary items | $107,000 | 6,773 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $107,000 | 6,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 2,462 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $101,840 | 6,849 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,972,000 | 5,575 |
| Total interest expense | $970,000 | 5,758 |
| Net interest income | $3,002,000 | 5,412 |
| Provision for loan and lease losses | $15,000 | 6,861 |
| Total noninterest income | $568,000 | 4,950 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $497,000 | 3,159 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $71,000 | 6,969 |
| Total noninterest expense | $3,070,000 | 4,592 |
| Salaries and employee benefits | $1,751,000 | 4,421 |
| Premises and equipment expense | $536,000 | 3,869 |
| Additional noninterest expense | $783,000 | 5,170 |
| Pre-tax net operating income | $485,000 | 6,754 |
| Securities gains (losses) | $9,000 | 2,866 |
| Applicable income taxes | $87,000 | 5,654 |
| Income before extraordinary items | $407,000 | 6,733 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $407,000 | 6,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,222 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $399,620 | 6,714 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,930,000 | 5,623 |
| Total interest expense | $727,000 | 5,723 |
| Net interest income | $2,203,000 | 5,466 |
| Provision for loan and lease losses | $15,000 | 6,527 |
| Total noninterest income | $444,000 | 4,875 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $377,000 | 3,145 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $67,000 | 6,620 |
| Total noninterest expense | $2,277,000 | 4,589 |
| Salaries and employee benefits | $1,322,000 | 4,369 |
| Premises and equipment expense | $406,000 | 3,830 |
| Additional noninterest expense | $549,000 | 5,341 |
| Pre-tax net operating income | $355,000 | 6,938 |
| Securities gains (losses) | $9,000 | 2,772 |
| Applicable income taxes | $63,000 | 5,791 |
| Income before extraordinary items | $301,000 | 6,888 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $301,000 | 6,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,003 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $293,530 | 6,870 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,898,000 | 5,718 |
| Total interest expense | $486,000 | 5,724 |
| Net interest income | $1,412,000 | 5,601 |
| Provision for loan and lease losses | $15,000 | 6,089 |
| Total noninterest income | $284,000 | 4,955 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $244,000 | 3,200 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $40,000 | 6,793 |
| Total noninterest expense | $1,512,000 | 4,639 |
| Salaries and employee benefits | $887,000 | 4,375 |
| Premises and equipment expense | $260,000 | 3,958 |
| Additional noninterest expense | $365,000 | 5,385 |
| Pre-tax net operating income | $169,000 | 7,425 |
| Securities gains (losses) | $9,000 | 2,475 |
| Applicable income taxes | $18,000 | 6,344 |
| Income before extraordinary items | $160,000 | 7,262 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $160,000 | 7,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,807 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $151,900 | 7,252 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $932,000 | 5,815 |
| Total interest expense | $243,000 | 5,793 |
| Net interest income | $689,000 | 5,691 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $132,000 | 5,090 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $116,000 | 3,225 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $16,000 | 7,156 |
| Total noninterest expense | $742,000 | 4,722 |
| Salaries and employee benefits | $448,000 | 4,367 |
| Premises and equipment expense | $121,000 | 4,212 |
| Additional noninterest expense | $173,000 | 5,550 |
| Pre-tax net operating income | $64,000 | 7,694 |
| Securities gains (losses) | $9,000 | 2,096 |
| Applicable income taxes | $3,000 | 6,752 |
| Income before extraordinary items | $70,000 | 7,410 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $70,000 | 7,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,591 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $61,360 | 7,490 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,821,000 | 5,795 |
| Total interest expense | $1,083,000 | 5,883 |
| Net interest income | $2,738,000 | 5,598 |
| Provision for loan and lease losses | $30,000 | 6,766 |
| Total noninterest income | $494,000 | 5,473 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $412,000 | 3,579 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $82,000 | 6,847 |
| Total noninterest expense | $2,966,000 | 4,632 |
| Salaries and employee benefits | $1,831,000 | 4,203 |
| Premises and equipment expense | $491,000 | 4,125 |
| Additional noninterest expense | $644,000 | 5,755 |
| Pre-tax net operating income | $236,000 | 7,694 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $13,000 | 6,950 |
| Income before extraordinary items | $223,000 | 7,660 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $223,000 | 7,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,313 |
| Cash dividends | $214,000 | 4,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $223,000 | 7,521 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,900,000 | 5,831 |
| Total interest expense | $834,000 | 5,946 |
| Net interest income | $2,066,000 | 5,617 |
| Provision for loan and lease losses | $30,000 | 6,386 |
| Total noninterest income | $390,000 | 5,382 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $304,000 | 3,628 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $86,000 | 6,352 |
| Total noninterest expense | $2,217,000 | 4,628 |
| Salaries and employee benefits | $1,391,000 | 4,169 |
| Premises and equipment expense | $362,000 | 4,168 |
| Additional noninterest expense | $464,000 | 5,868 |
| Pre-tax net operating income | $209,000 | 7,675 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $11,000 | 7,039 |
| Income before extraordinary items | $198,000 | 7,597 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $198,000 | 7,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,062 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $198,000 | 7,449 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,965,000 | 5,806 |
| Total interest expense | $568,000 | 5,997 |
| Net interest income | $1,397,000 | 5,565 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $243,000 | 5,545 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $186,000 | 3,782 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $57,000 | 6,331 |
| Total noninterest expense | $1,480,000 | 4,639 |
| Salaries and employee benefits | $925,000 | 4,165 |
| Premises and equipment expense | $238,000 | 4,211 |
| Additional noninterest expense | $317,000 | 5,788 |
| Pre-tax net operating income | $130,000 | 7,766 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $6,000 | 7,135 |
| Income before extraordinary items | $124,000 | 7,707 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $124,000 | 7,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,544 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $124,000 | 7,530 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,016,000 | 5,719 |
| Total interest expense | $288,000 | 6,068 |
| Net interest income | $728,000 | 5,423 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $105,000 | 5,786 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $76,000 | 4,196 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $29,000 | 6,299 |
| Total noninterest expense | $721,000 | 4,705 |
| Salaries and employee benefits | $457,000 | 4,194 |
| Premises and equipment expense | $111,000 | 4,414 |
| Additional noninterest expense | $153,000 | 5,860 |
| Pre-tax net operating income | $82,000 | 7,489 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $10,000 | 6,563 |
| Income before extraordinary items | $72,000 | 7,440 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $72,000 | 7,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,268 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $72,000 | 7,288 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,160,000 | 5,782 |
| Total interest expense | $1,275,000 | 6,243 |
| Net interest income | $2,885,000 | 5,401 |
| Provision for loan and lease losses | $120,000 | 5,330 |
| Total noninterest income | $322,000 | 6,308 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $239,000 | 4,809 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $83,000 | 6,810 |
| Total noninterest expense | $2,450,000 | 5,150 |
| Salaries and employee benefits | $1,555,000 | 4,561 |
| Premises and equipment expense | $373,000 | 4,879 |
| Additional noninterest expense | $522,000 | 6,381 |
| Pre-tax net operating income | $637,000 | 6,301 |
| Securities gains (losses) | $25,000 | 2,988 |
| Applicable income taxes | $161,000 | 5,426 |
| Income before extraordinary items | $501,000 | 6,403 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $501,000 | 6,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,133 |
| Cash dividends | $497,000 | 3,505 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $482,000 | 6,335 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,263,000 | 6,137 |
| Total interest expense | $1,696,000 | 6,613 |
| Net interest income | $2,567,000 | 5,629 |
| Provision for loan and lease losses | $100,000 | 5,578 |
| Total noninterest income | $249,000 | 6,875 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $167,000 | 5,549 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $82,000 | 6,833 |
| Total noninterest expense | $1,957,000 | 5,814 |
| Salaries and employee benefits | $1,217,000 | 5,259 |
| Premises and equipment expense | $321,000 | 5,315 |
| Additional noninterest expense | $419,000 | 6,998 |
| Pre-tax net operating income | $759,000 | 5,626 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $230,000 | 4,751 |
| Income before extraordinary items | $529,000 | 5,930 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $529,000 | 5,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,918 |
| Cash dividends | $521,000 | 3,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $529,000 | 5,821 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,807,000 | 6,648 |
| Total interest expense | $1,598,000 | 6,971 |
| Net interest income | $2,209,000 | 6,255 |
| Provision for loan and lease losses | $36,000 | 6,984 |
| Total noninterest income | $215,000 | 7,115 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $145,000 | 5,838 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 7,177 |
| Total noninterest expense | $1,738,000 | 6,184 |
| Salaries and employee benefits | $1,060,000 | 5,694 |
| Premises and equipment expense | $287,000 | 5,563 |
| Additional noninterest expense | $391,000 | 7,218 |
| Pre-tax net operating income | $650,000 | 6,410 |
| Securities gains (losses) | $-21,000 | 8,768 |
| Applicable income taxes | $174,000 | 5,672 |
| Income before extraordinary items | $455,000 | 6,568 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $455,000 | 6,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,200 |
| Cash dividends | $439,000 | 3,795 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $470,120 | 6,497 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,654,000 | 6,668 |
| Total interest expense | $1,515,000 | 6,935 |
| Net interest income | $2,139,000 | 6,398 |
| Provision for loan and lease losses | $24,000 | 7,475 |
| Total noninterest income | $170,000 | 7,841 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 6,593 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 7,600 |
| Total noninterest expense | $1,712,000 | 6,269 |
| Salaries and employee benefits | $1,044,000 | 5,713 |
| Premises and equipment expense | $294,000 | 5,524 |
| Additional noninterest expense | $374,000 | 7,500 |
| Pre-tax net operating income | $573,000 | 6,819 |
| Securities gains (losses) | $3,000 | 2,393 |
| Applicable income taxes | $121,000 | 6,636 |
| Income before extraordinary items | $455,000 | 6,666 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $455,000 | 6,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,227 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $452,630 | 6,663 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,635,000 | 6,813 |
| Total interest expense | $1,499,000 | 7,193 |
| Net interest income | $2,136,000 | 6,419 |
| Provision for loan and lease losses | $36,000 | 7,078 |
| Total noninterest income | $128,000 | 8,572 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 7,177 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 8,384 |
| Total noninterest expense | $1,595,000 | 6,438 |
| Salaries and employee benefits | $933,000 | 6,058 |
| Premises and equipment expense | $304,000 | 5,343 |
| Additional noninterest expense | $358,000 | 7,594 |
| Pre-tax net operating income | $633,000 | 6,750 |
| Securities gains (losses) | $10,000 | 2,952 |
| Applicable income taxes | $155,000 | 6,776 |
| Income before extraordinary items | $488,000 | 6,679 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $488,000 | 6,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,973 |
| Cash dividends | $481,000 | 3,626 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $480,400 | 6,621 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,668,000 | 6,988 |
| Total interest expense | $1,451,000 | 7,468 |
| Net interest income | $2,217,000 | 6,498 |
| Provision for loan and lease losses | $30,000 | 7,369 |
| Total noninterest income | $124,000 | 8,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $77,000 | 7,714 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 8,573 |
| Total noninterest expense | $1,385,000 | 7,072 |
| Salaries and employee benefits | $865,000 | 6,463 |
| Premises and equipment expense | $188,000 | 7,059 |
| Additional noninterest expense | $332,000 | 7,985 |
| Pre-tax net operating income | $926,000 | 6,063 |
| Securities gains (losses) | $-6,000 | 9,765 |
| Applicable income taxes | $266,000 | 6,081 |
| Income before extraordinary items | $654,000 | 6,093 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $654,000 | 6,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,261 |
| Cash dividends | $651,000 | 2,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $658,260 | 6,030 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,656,000 | 7,212 |
| Total interest expense | $1,511,000 | 7,552 |
| Net interest income | $2,145,000 | 6,869 |
| Provision for loan and lease losses | $54,000 | 6,461 |
| Total noninterest income | $104,000 | 9,819 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 8,488 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 9,253 |
| Total noninterest expense | $1,392,000 | 7,415 |
| Salaries and employee benefits | $878,000 | 6,571 |
| Premises and equipment expense | $196,000 | 7,094 |
| Additional noninterest expense | $318,000 | 8,690 |
| Pre-tax net operating income | $803,000 | 6,492 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $160,000 | 7,726 |
| Income before extraordinary items | $643,000 | 6,020 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $643,000 | 6,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,265 |
| Cash dividends | $634,000 | 2,933 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $643,000 | 5,962 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,470,000 | 7,601 |
| Total interest expense | $1,447,000 | 7,831 |
| Net interest income | $2,023,000 | 7,256 |
| Provision for loan and lease losses | $33,000 | 6,978 |
| Total noninterest income | $101,000 | 10,249 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $55,000 | 9,088 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 9,426 |
| Total noninterest expense | $1,431,000 | 7,486 |
| Salaries and employee benefits | $846,000 | 6,840 |
| Premises and equipment expense | $196,000 | 7,269 |
| Additional noninterest expense | $389,000 | 8,297 |
| Pre-tax net operating income | $660,000 | 7,541 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $104,000 | 9,095 |
| Income before extraordinary items | $560,000 | 6,843 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $560,000 | 6,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,914 |
| Cash dividends | $560,000 | 3,076 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $556,640 | 6,846 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,355,000 | 7,546 |
| Total interest expense | $1,278,000 | 7,624 |
| Net interest income | $2,077,000 | 7,382 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $101,000 | 10,716 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 9,555 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 9,769 |
| Total noninterest expense | $1,436,000 | 7,805 |
| Salaries and employee benefits | $819,000 | 7,089 |
| Premises and equipment expense | $170,000 | 8,080 |
| Additional noninterest expense | $447,000 | 8,346 |
| Pre-tax net operating income | $742,000 | 7,176 |
| Securities gains (losses) | $-52,000 | 11,060 |
| Applicable income taxes | $114,000 | 9,050 |
| Income before extraordinary items | $576,000 | 6,718 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $576,000 | 6,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $258,000 | 4,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $619,160 | 6,469 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,631,000 | 7,359 |
| Total interest expense | $1,436,000 | 7,423 |
| Net interest income | $2,195,000 | 7,200 |
| Provision for loan and lease losses | $30,000 | 8,397 |
| Total noninterest income | $114,000 | 10,983 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $55,000 | 9,867 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 9,584 |
| Total noninterest expense | $1,305,000 | 8,490 |
| Salaries and employee benefits | $766,000 | 7,526 |
| Premises and equipment expense | $152,000 | 8,840 |
| Additional noninterest expense | $387,000 | 9,405 |
| Pre-tax net operating income | $974,000 | 6,003 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $171,000 | 8,187 |
| Income before extraordinary items | $807,000 | 5,536 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $807,000 | 5,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 8,052 |
| Cash dividends | $204,000 | 5,341 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $803,680 | 5,320 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,021,000 | 7,480 |
| Total interest expense | $1,946,000 | 7,228 |
| Net interest income | $2,075,000 | 7,558 |
| Provision for loan and lease losses | $50,000 | 9,026 |
| Total noninterest income | $104,000 | 11,616 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $56,000 | 10,079 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 10,527 |
| Total noninterest expense | $1,299,000 | 8,666 |
| Salaries and employee benefits | $757,000 | 7,563 |
| Premises and equipment expense | $166,000 | 8,671 |
| Additional noninterest expense | $376,000 | 9,860 |
| Pre-tax net operating income | $830,000 | 6,427 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $161,000 | 8,355 |
| Income before extraordinary items | $669,000 | 6,110 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $669,000 | 6,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 7,942 |
| Cash dividends | $273,000 | 4,278 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $669,000 | 5,762 |
* 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.