Home > Blue Ridge Savings Bank, Inc. > Income and Expense
Blue Ridge Savings Bank, Inc., Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,206,000 | 4,307 |
| Total interest expense | $1,515,000 | 2,853 |
| Net interest income | $2,691,000 | 4,859 |
| Provision for loan and lease losses | $1,106,000 | 1,846 |
| Total noninterest income | $-602,000 | 7,311 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $43,000 | 6,245 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-645,000 | 7,267 |
| Total noninterest expense | $3,927,000 | 3,415 |
| Salaries and employee benefits | $1,447,000 | 4,267 |
| Premises and equipment expense | $755,000 | 2,414 |
| Additional noninterest expense | $1,725,000 | 2,776 |
| Pre-tax net operating income | $-2,944,000 | 7,103 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-2,944,000 | 7,146 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,944,000 | 7,146 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-2,944,000 | 7,147 |
| Net charge-offs | $2,682,000 | 1,012 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-2,944,000 | 7,133 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,840,000 | 4,319 |
| Total interest expense | $1,040,000 | 2,872 |
| Net interest income | $1,800,000 | 4,869 |
| Provision for loan and lease losses | $1,106,000 | 1,403 |
| Total noninterest income | $-469,000 | 7,401 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $30,000 | 6,196 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-499,000 | 7,375 |
| Total noninterest expense | $2,724,000 | 3,353 |
| Salaries and employee benefits | $1,028,000 | 4,130 |
| Premises and equipment expense | $579,000 | 2,165 |
| Additional noninterest expense | $1,117,000 | 2,905 |
| Pre-tax net operating income | $-2,499,000 | 7,232 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-2,499,000 | 7,257 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,499,000 | 7,257 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-2,499,000 | 7,258 |
| Net charge-offs | $2,290,000 | 831 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-2,499,000 | 7,244 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,677,000 | 3,887 |
| Total interest expense | $541,000 | 2,861 |
| Net interest income | $1,136,000 | 4,208 |
| Provision for loan and lease losses | $166,000 | 2,654 |
| Total noninterest income | $-186,000 | 7,464 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $14,000 | 6,236 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-200,000 | 7,432 |
| Total noninterest expense | $1,386,000 | 3,315 |
| Salaries and employee benefits | $528,000 | 4,077 |
| Premises and equipment expense | $300,000 | 2,137 |
| Additional noninterest expense | $558,000 | 2,912 |
| Pre-tax net operating income | $-602,000 | 7,132 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-602,000 | 7,172 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-602,000 | 7,173 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-602,000 | 7,173 |
| Net charge-offs | $895,000 | 925 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-602,000 | 7,163 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,920,000 | 3,582 |
| Total interest expense | $3,454,000 | 2,294 |
| Net interest income | $4,466,000 | 4,267 |
| Provision for loan and lease losses | $2,314,000 | 1,895 |
| Total noninterest income | $-3,580,000 | 7,625 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $66,000 | 5,976 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-3,646,000 | 7,614 |
| Total noninterest expense | $6,219,000 | 3,020 |
| Salaries and employee benefits | $2,123,000 | 4,070 |
| Premises and equipment expense | $1,146,000 | 2,208 |
| Additional noninterest expense | $2,950,000 | 2,321 |
| Pre-tax net operating income | $-7,647,000 | 7,264 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-7,647,000 | 7,306 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-7,647,000 | 7,306 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-7,647,000 | 7,306 |
| Net charge-offs | $4,153,000 | 1,180 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-7,647,000 | 7,290 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,330,000 | 3,476 |
| Total interest expense | $2,791,000 | 2,219 |
| Net interest income | $3,539,000 | 4,169 |
| Provision for loan and lease losses | $1,113,000 | 2,372 |
| Total noninterest income | $-860,000 | 7,682 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $50,000 | 6,058 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-910,000 | 7,645 |
| Total noninterest expense | $4,754,000 | 2,964 |
| Salaries and employee benefits | $1,625,000 | 4,041 |
| Premises and equipment expense | $727,000 | 2,586 |
| Additional noninterest expense | $2,402,000 | 2,136 |
| Pre-tax net operating income | $-3,188,000 | 7,228 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-3,188,000 | 7,296 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-3,188,000 | 7,295 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-3,188,000 | 7,296 |
| Net charge-offs | $3,973,000 | 915 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-3,188,000 | 7,272 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,340,000 | 3,431 |
| Total interest expense | $2,009,000 | 2,148 |
| Net interest income | $2,331,000 | 4,215 |
| Provision for loan and lease losses | $891,000 | 2,080 |
| Total noninterest income | $-601,000 | 7,758 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $36,000 | 5,999 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-637,000 | 7,731 |
| Total noninterest expense | $3,236,000 | 2,916 |
| Salaries and employee benefits | $1,140,000 | 3,915 |
| Premises and equipment expense | $447,000 | 2,776 |
| Additional noninterest expense | $1,649,000 | 2,079 |
| Pre-tax net operating income | $-2,397,000 | 7,336 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-2,397,000 | 7,395 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,397,000 | 7,395 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-2,397,000 | 7,395 |
| Net charge-offs | $1,240,000 | 1,525 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-2,397,000 | 7,381 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,324,000 | 3,290 |
| Total interest expense | $1,107,000 | 2,069 |
| Net interest income | $1,217,000 | 4,117 |
| Provision for loan and lease losses | $891,000 | 1,276 |
| Total noninterest income | $-410,000 | 7,874 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $19,000 | 5,978 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-429,000 | 7,861 |
| Total noninterest expense | $1,728,000 | 2,798 |
| Salaries and employee benefits | $600,000 | 3,817 |
| Premises and equipment expense | $212,000 | 2,990 |
| Additional noninterest expense | $916,000 | 1,872 |
| Pre-tax net operating income | $-1,812,000 | 7,569 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-1,812,000 | 7,622 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,812,000 | 7,624 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,812,000 | 7,624 |
| Net charge-offs | $774,000 | 1,240 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,812,000 | 7,617 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $11,630,000 | 2,841 |
| Total interest expense | $7,124,000 | 1,664 |
| Net interest income | $4,506,000 | 4,224 |
| Provision for loan and lease losses | $11,267,000 | 783 |
| Total noninterest income | $-3,674,000 | 7,986 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $75,000 | 6,093 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-3,749,000 | 7,977 |
| Total noninterest expense | $7,636,000 | 2,583 |
| Salaries and employee benefits | $2,426,000 | 3,774 |
| Premises and equipment expense | $859,000 | 2,938 |
| Additional noninterest expense | $4,351,000 | 1,715 |
| Pre-tax net operating income | $-18,071,000 | 7,682 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-18,071,000 | 7,715 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-18,071,000 | 7,713 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-18,071,000 | 7,713 |
| Net charge-offs | $10,007,000 | 685 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-18,071,000 | 7,716 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,071,000 | 2,765 |
| Total interest expense | $5,761,000 | 1,610 |
| Net interest income | $3,310,000 | 4,293 |
| Provision for loan and lease losses | $11,069,000 | 576 |
| Total noninterest income | $-1,332,000 | 8,056 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $56,000 | 6,131 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-1,388,000 | 8,040 |
| Total noninterest expense | $5,025,000 | 2,899 |
| Salaries and employee benefits | $1,766,000 | 3,911 |
| Premises and equipment expense | $590,000 | 3,201 |
| Additional noninterest expense | $2,669,000 | 1,981 |
| Pre-tax net operating income | $-14,116,000 | 7,814 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-14,116,000 | 7,846 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-14,116,000 | 7,845 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-14,116,000 | 7,845 |
| Net charge-offs | $9,541,000 | 522 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-14,116,000 | 7,844 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,502,000 | 2,623 |
| Total interest expense | $4,180,000 | 1,569 |
| Net interest income | $2,322,000 | 4,113 |
| Provision for loan and lease losses | $6,538,000 | 615 |
| Total noninterest income | $-808,000 | 8,125 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $38,000 | 6,142 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-846,000 | 8,117 |
| Total noninterest expense | $3,274,000 | 2,988 |
| Salaries and employee benefits | $1,211,000 | 3,873 |
| Premises and equipment expense | $402,000 | 3,168 |
| Additional noninterest expense | $1,661,000 | 2,135 |
| Pre-tax net operating income | $-8,298,000 | 7,876 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-8,298,000 | 7,918 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-8,298,000 | 7,917 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-8,298,000 | 7,917 |
| Net charge-offs | $3,818,000 | 708 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-8,298,000 | 7,920 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,573,000 | 2,425 |
| Total interest expense | $2,257,000 | 1,521 |
| Net interest income | $1,316,000 | 3,796 |
| Provision for loan and lease losses | $2,004,000 | 752 |
| Total noninterest income | $-133,000 | 8,165 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $16,000 | 6,311 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-149,000 | 8,145 |
| Total noninterest expense | $1,568,000 | 3,024 |
| Salaries and employee benefits | $620,000 | 3,825 |
| Premises and equipment expense | $210,000 | 3,112 |
| Additional noninterest expense | $738,000 | 2,127 |
| Pre-tax net operating income | $-2,389,000 | 7,880 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-2,389,000 | 7,931 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,389,000 | 7,931 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-2,389,000 | 7,932 |
| Net charge-offs | $1,358,000 | 789 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-2,389,000 | 7,935 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $19,727,000 | 1,946 |
| Total interest expense | $11,693,000 | 1,395 |
| Net interest income | $8,034,000 | 2,695 |
| Provision for loan and lease losses | $8,200,000 | 692 |
| Total noninterest income | $-1,568,000 | 8,260 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $88,000 | 6,074 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-1,656,000 | 8,267 |
| Total noninterest expense | $5,679,000 | 3,234 |
| Salaries and employee benefits | $2,542,000 | 3,738 |
| Premises and equipment expense | $921,000 | 2,819 |
| Additional noninterest expense | $2,216,000 | 2,600 |
| Pre-tax net operating income | $-7,413,000 | 7,915 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-7,413,000 | 7,927 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-7,413,000 | 7,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,187,000 | 668 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-7,413,000 | 7,962 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $15,563,000 | 1,885 |
| Total interest expense | $8,990,000 | 1,415 |
| Net interest income | $6,573,000 | 2,509 |
| Provision for loan and lease losses | $2,914,000 | 921 |
| Total noninterest income | $-606,000 | 8,339 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $63,000 | 6,163 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-669,000 | 8,352 |
| Total noninterest expense | $4,098,000 | 3,323 |
| Salaries and employee benefits | $1,912,000 | 3,747 |
| Premises and equipment expense | $622,000 | 3,100 |
| Additional noninterest expense | $1,564,000 | 2,672 |
| Pre-tax net operating income | $-1,045,000 | 7,555 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-1,045,000 | 7,525 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,045,000 | 7,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,808,000 | 885 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,045,000 | 7,637 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $10,518,000 | 1,886 |
| Total interest expense | $6,204,000 | 1,422 |
| Net interest income | $4,314,000 | 2,540 |
| Provision for loan and lease losses | $2,052,000 | 774 |
| Total noninterest income | $-529,000 | 8,420 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $40,000 | 6,240 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-569,000 | 8,431 |
| Total noninterest expense | $2,532,000 | 3,535 |
| Salaries and employee benefits | $1,232,000 | 3,891 |
| Premises and equipment expense | $392,000 | 3,266 |
| Additional noninterest expense | $908,000 | 2,993 |
| Pre-tax net operating income | $-799,000 | 7,795 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-799,000 | 7,906 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-799,000 | 7,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $946,000 | 898 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-799,000 | 7,884 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,719,000 | 1,796 |
| Total interest expense | $3,269,000 | 1,438 |
| Net interest income | $2,450,000 | 2,256 |
| Provision for loan and lease losses | $1,106,000 | 587 |
| Total noninterest income | $-268,000 | 8,461 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $0 | 7,431 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-268,000 | 8,472 |
| Total noninterest expense | $1,572,000 | 2,928 |
| Salaries and employee benefits | $642,000 | 3,781 |
| Premises and equipment expense | $196,000 | 3,298 |
| Additional noninterest expense | $734,000 | 1,918 |
| Pre-tax net operating income | $-496,000 | 8,085 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-496,000 | 8,147 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-496,000 | 8,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-496,000 | 8,131 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $28,516,000 | 1,512 |
| Total interest expense | $13,533,000 | 1,481 |
| Net interest income | $14,983,000 | 1,522 |
| Provision for loan and lease losses | $866,000 | 1,589 |
| Total noninterest income | $414,000 | 5,425 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $414,000 | 3,673 |
| Total noninterest expense | $4,528,000 | 3,737 |
| Salaries and employee benefits | $2,413,000 | 3,826 |
| Premises and equipment expense | $1,299,000 | 2,011 |
| Additional noninterest expense | $816,000 | 5,283 |
| Pre-tax net operating income | $10,003,000 | 849 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $10,003,000 | 649 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $10,003,000 | 647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $8,851,000 | 459 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $10,003,000 | 641 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $21,801,000 | 1,489 |
| Total interest expense | $10,102,000 | 1,489 |
| Net interest income | $11,699,000 | 1,445 |
| Provision for loan and lease losses | $111,000 | 3,958 |
| Total noninterest income | $356,000 | 5,163 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $356,000 | 3,422 |
| Total noninterest expense | $3,361,000 | 3,752 |
| Salaries and employee benefits | $1,859,000 | 3,742 |
| Premises and equipment expense | $923,000 | 2,098 |
| Additional noninterest expense | $579,000 | 5,408 |
| Pre-tax net operating income | $8,583,000 | 804 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $8,583,000 | 616 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $8,583,000 | 614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $6,601,000 | 450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $8,583,000 | 606 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,398,000 | 1,515 |
| Total interest expense | $6,704,000 | 1,495 |
| Net interest income | $7,694,000 | 1,488 |
| Provision for loan and lease losses | $50,000 | 4,348 |
| Total noninterest income | $245,000 | 5,112 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $245,000 | 3,390 |
| Total noninterest expense | $2,356,000 | 3,621 |
| Salaries and employee benefits | $1,307,000 | 3,623 |
| Premises and equipment expense | $599,000 | 2,159 |
| Additional noninterest expense | $450,000 | 4,917 |
| Pre-tax net operating income | $5,533,000 | 875 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $5,533,000 | 665 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $5,533,000 | 664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $4,351,000 | 470 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $5,533,000 | 653 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,189,000 | 1,514 |
| Total interest expense | $3,366,000 | 1,473 |
| Net interest income | $3,823,000 | 1,500 |
| Provision for loan and lease losses | $10,000 | 5,012 |
| Total noninterest income | $124,000 | 5,052 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $124,000 | 3,357 |
| Total noninterest expense | $1,207,000 | 3,554 |
| Salaries and employee benefits | $617,000 | 3,820 |
| Premises and equipment expense | $293,000 | 2,231 |
| Additional noninterest expense | $297,000 | 4,008 |
| Pre-tax net operating income | $2,730,000 | 862 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $2,730,000 | 664 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,730,000 | 663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $2,101,000 | 430 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,730,000 | 654 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $24,816,000 | 1,626 |
| Total interest expense | $10,425,000 | 1,615 |
| Net interest income | $14,391,000 | 1,596 |
| Provision for loan and lease losses | $779,000 | 1,305 |
| Total noninterest income | $421,000 | 5,490 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $421,000 | 3,653 |
| Total noninterest expense | $4,132,000 | 3,897 |
| Salaries and employee benefits | $2,386,000 | 3,738 |
| Premises and equipment expense | $1,147,000 | 2,150 |
| Additional noninterest expense | $599,000 | 6,063 |
| Pre-tax net operating income | $9,901,000 | 990 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $9,901,000 | 751 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $9,901,000 | 750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $774,000 | 855 |
| Cash dividends | $6,000,000 | 600 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $9,901,000 | 740 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $17,754,000 | 1,687 |
| Total interest expense | $7,198,000 | 1,698 |
| Net interest income | $10,556,000 | 1,641 |
| Provision for loan and lease losses | $505,000 | 1,379 |
| Total noninterest income | $331,000 | 5,432 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $331,000 | 3,553 |
| Total noninterest expense | $3,062,000 | 3,927 |
| Salaries and employee benefits | $1,781,000 | 3,753 |
| Premises and equipment expense | $837,000 | 2,229 |
| Additional noninterest expense | $444,000 | 6,102 |
| Pre-tax net operating income | $7,320,000 | 1,046 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $7,320,000 | 803 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $7,320,000 | 802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $774,000 | 568 |
| Cash dividends | $4,500,000 | 572 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $7,320,000 | 793 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,195,000 | 1,759 |
| Total interest expense | $4,404,000 | 1,755 |
| Net interest income | $6,791,000 | 1,709 |
| Provision for loan and lease losses | $333,000 | 1,348 |
| Total noninterest income | $133,000 | 6,458 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $133,000 | 4,544 |
| Total noninterest expense | $2,081,000 | 3,892 |
| Salaries and employee benefits | $1,258,000 | 3,608 |
| Premises and equipment expense | $554,000 | 2,246 |
| Additional noninterest expense | $269,000 | 6,383 |
| Pre-tax net operating income | $4,510,000 | 1,130 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $4,510,000 | 865 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,510,000 | 865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $757,000 | 415 |
| Cash dividends | $3,000,000 | 574 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $4,510,000 | 849 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,430,000 | 1,765 |
| Total interest expense | $2,145,000 | 1,715 |
| Net interest income | $3,285,000 | 1,752 |
| Provision for loan and lease losses | $326,000 | 729 |
| Total noninterest income | $-26,000 | 8,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $-26,000 | 8,778 |
| Total noninterest expense | $1,117,000 | 3,677 |
| Salaries and employee benefits | $691,000 | 3,377 |
| Premises and equipment expense | $278,000 | 2,247 |
| Additional noninterest expense | $148,000 | 6,100 |
| Pre-tax net operating income | $1,816,000 | 1,352 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $1,816,000 | 1,045 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,816,000 | 1,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $1,500,000 | 510 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,816,000 | 1,027 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $17,369,000 | 1,933 |
| Total interest expense | $6,140,000 | 1,850 |
| Net interest income | $11,229,000 | 1,985 |
| Provision for loan and lease losses | $384,000 | 2,351 |
| Total noninterest income | $30,000 | 8,549 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $30,000 | 7,856 |
| Total noninterest expense | $3,767,000 | 4,047 |
| Salaries and employee benefits | $2,240,000 | 3,793 |
| Premises and equipment expense | $946,000 | 2,486 |
| Additional noninterest expense | $581,000 | 6,157 |
| Pre-tax net operating income | $7,108,000 | 1,345 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $7,108,000 | 1,023 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,108,000 | 1,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 2,783 |
| Cash dividends | $3,150,000 | 985 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $7,108,000 | 1,000 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,409,000 | 1,970 |
| Total interest expense | $4,284,000 | 1,858 |
| Net interest income | $8,125,000 | 2,031 |
| Provision for loan and lease losses | $360,000 | 1,866 |
| Total noninterest income | $61,000 | 8,173 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $61,000 | 6,739 |
| Total noninterest expense | $2,768,000 | 4,079 |
| Salaries and employee benefits | $1,655,000 | 3,814 |
| Premises and equipment expense | $662,000 | 2,629 |
| Additional noninterest expense | $451,000 | 6,011 |
| Pre-tax net operating income | $5,058,000 | 1,415 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $5,058,000 | 1,063 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,058,000 | 1,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 2,063 |
| Cash dividends | $3,150,000 | 707 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,058,000 | 1,045 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,877,000 | 2,005 |
| Total interest expense | $2,702,000 | 1,855 |
| Net interest income | $5,175,000 | 2,097 |
| Provision for loan and lease losses | $218,000 | 2,014 |
| Total noninterest income | $74,000 | 7,525 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $74,000 | 5,767 |
| Total noninterest expense | $1,785,000 | 4,179 |
| Salaries and employee benefits | $1,056,000 | 3,914 |
| Premises and equipment expense | $438,000 | 2,618 |
| Additional noninterest expense | $291,000 | 6,092 |
| Pre-tax net operating income | $3,246,000 | 1,442 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $3,246,000 | 1,076 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,246,000 | 1,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $2,715,000 | 555 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,246,000 | 1,060 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,724,000 | 2,078 |
| Total interest expense | $1,318,000 | 1,803 |
| Net interest income | $2,406,000 | 2,241 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $69,000 | 6,466 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $69,000 | 4,489 |
| Total noninterest expense | $819,000 | 4,483 |
| Salaries and employee benefits | $468,000 | 4,301 |
| Premises and equipment expense | $224,000 | 2,597 |
| Additional noninterest expense | $127,000 | 6,504 |
| Pre-tax net operating income | $1,641,000 | 1,391 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $1,641,000 | 1,057 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,641,000 | 1,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $991,000 | 693 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,641,000 | 1,033 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $14,109,000 | 2,001 |
| Total interest expense | $4,546,000 | 1,785 |
| Net interest income | $9,563,000 | 2,131 |
| Provision for loan and lease losses | $278,000 | 3,062 |
| Total noninterest income | $77,000 | 8,333 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $77,000 | 6,829 |
| Total noninterest expense | $3,102,000 | 4,560 |
| Salaries and employee benefits | $1,677,000 | 4,575 |
| Premises and equipment expense | $837,000 | 2,684 |
| Additional noninterest expense | $588,000 | 6,049 |
| Pre-tax net operating income | $6,260,000 | 1,381 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $6,260,000 | 1,050 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,260,000 | 1,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 2,050 |
| Cash dividends | $2,000,000 | 1,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,260,000 | 1,016 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,586,000 | 1,981 |
| Total interest expense | $3,367,000 | 1,781 |
| Net interest income | $7,219,000 | 2,098 |
| Provision for loan and lease losses | $278,000 | 2,391 |
| Total noninterest income | $21,000 | 8,796 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $21,000 | 8,029 |
| Total noninterest expense | $2,225,000 | 4,665 |
| Salaries and employee benefits | $1,207,000 | 4,660 |
| Premises and equipment expense | $585,000 | 2,849 |
| Additional noninterest expense | $433,000 | 6,059 |
| Pre-tax net operating income | $4,737,000 | 1,373 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $4,737,000 | 1,048 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,737,000 | 1,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $272,000 | 1,539 |
| Cash dividends | $1,500,000 | 1,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,737,000 | 1,010 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,076,000 | 1,971 |
| Total interest expense | $2,257,000 | 1,761 |
| Net interest income | $4,819,000 | 2,080 |
| Provision for loan and lease losses | $63,000 | 4,225 |
| Total noninterest income | $-15,000 | 9,072 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $-15,000 | 9,054 |
| Total noninterest expense | $1,506,000 | 4,651 |
| Salaries and employee benefits | $828,000 | 4,592 |
| Premises and equipment expense | $385,000 | 2,880 |
| Additional noninterest expense | $293,000 | 6,043 |
| Pre-tax net operating income | $3,235,000 | 1,320 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $3,235,000 | 1,020 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,235,000 | 1,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 1,587 |
| Cash dividends | $500,000 | 2,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,235,000 | 976 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,512,000 | 1,996 |
| Total interest expense | $1,108,000 | 1,807 |
| Net interest income | $2,404,000 | 2,090 |
| Provision for loan and lease losses | $-35,000 | 8,984 |
| Total noninterest income | $-26,000 | 9,100 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $-26,000 | 9,100 |
| Total noninterest expense | $774,000 | 4,583 |
| Salaries and employee benefits | $425,000 | 4,532 |
| Premises and equipment expense | $175,000 | 3,162 |
| Additional noninterest expense | $174,000 | 5,529 |
| Pre-tax net operating income | $1,639,000 | 1,291 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $1,639,000 | 1,000 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,639,000 | 1,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,677 |
| Cash dividends | $500,000 | 1,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,639,000 | 947 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,186,000 | 2,156 |
| Total interest expense | $4,636,000 | 1,928 |
| Net interest income | $8,550,000 | 2,266 |
| Provision for loan and lease losses | $582,000 | 1,930 |
| Total noninterest income | $122,000 | 8,085 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $122,000 | 6,193 |
| Total noninterest expense | $2,939,000 | 4,667 |
| Salaries and employee benefits | $1,254,000 | 5,484 |
| Premises and equipment expense | $719,000 | 3,019 |
| Additional noninterest expense | $966,000 | 4,390 |
| Pre-tax net operating income | $5,151,000 | 1,572 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $15,000 | 6,905 |
| Income before extraordinary items | $5,136,000 | 1,249 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,136,000 | 1,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $1,250,000 | 1,991 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,136,000 | 1,180 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,671,000 | 2,255 |
| Total interest expense | $3,531,000 | 1,982 |
| Net interest income | $6,140,000 | 2,388 |
| Provision for loan and lease losses | $483,000 | 1,714 |
| Total noninterest income | $261,000 | 6,310 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $261,000 | 4,297 |
| Total noninterest expense | $2,090,000 | 4,839 |
| Salaries and employee benefits | $822,000 | 5,931 |
| Premises and equipment expense | $496,000 | 3,241 |
| Additional noninterest expense | $772,000 | 4,159 |
| Pre-tax net operating income | $3,828,000 | 1,649 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $15,000 | 6,924 |
| Income before extraordinary items | $3,813,000 | 1,293 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,813,000 | 1,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $750,000 | 2,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,813,000 | 1,218 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,254,000 | 2,346 |
| Total interest expense | $2,363,000 | 2,028 |
| Net interest income | $3,891,000 | 2,496 |
| Provision for loan and lease losses | $21,000 | 6,267 |
| Total noninterest income | $165,000 | 6,415 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $165,000 | 4,388 |
| Total noninterest expense | $1,397,000 | 4,816 |
| Salaries and employee benefits | $539,000 | 5,985 |
| Premises and equipment expense | $327,000 | 3,261 |
| Additional noninterest expense | $531,000 | 4,046 |
| Pre-tax net operating income | $2,638,000 | 1,590 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $15,000 | 6,772 |
| Income before extraordinary items | $2,623,000 | 1,262 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,623,000 | 1,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $500,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,623,000 | 1,178 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,014,000 | 2,436 |
| Total interest expense | $1,176,000 | 2,088 |
| Net interest income | $1,838,000 | 2,635 |
| Provision for loan and lease losses | $19,000 | 5,348 |
| Total noninterest income | $163,000 | 4,677 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $163,000 | 3,060 |
| Total noninterest expense | $563,000 | 5,554 |
| Salaries and employee benefits | $246,000 | 6,309 |
| Premises and equipment expense | $166,000 | 3,209 |
| Additional noninterest expense | $151,000 | 5,912 |
| Pre-tax net operating income | $1,419,000 | 1,492 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $15,000 | 6,300 |
| Income before extraordinary items | $1,404,000 | 1,181 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,404,000 | 1,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $300,000 | 1,748 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,404,000 | 1,098 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,491,000 | 2,893 |
| Total interest expense | $4,579,000 | 2,430 |
| Net interest income | $5,912,000 | 3,182 |
| Provision for loan and lease losses | $550,000 | 2,218 |
| Total noninterest income | $394,000 | 5,817 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $394,000 | 3,735 |
| Total noninterest expense | $2,299,000 | 5,382 |
| Salaries and employee benefits | $1,048,000 | 5,955 |
| Premises and equipment expense | $647,000 | 3,198 |
| Additional noninterest expense | $604,000 | 5,908 |
| Pre-tax net operating income | $3,457,000 | 2,229 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $15,000 | 7,161 |
| Income before extraordinary items | $3,442,000 | 1,742 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,442,000 | 1,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $1,200,000 | 1,938 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,442,000 | 1,688 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,953,000 | 3,322 |
| Total interest expense | $5,910,000 | 2,709 |
| Net interest income | $4,043,000 | 4,096 |
| Provision for loan and lease losses | $76,000 | 6,064 |
| Total noninterest income | $334,000 | 6,133 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $334,000 | 3,892 |
| Total noninterest expense | $2,919,000 | 4,425 |
| Salaries and employee benefits | $895,000 | 6,392 |
| Premises and equipment expense | $530,000 | 3,703 |
| Additional noninterest expense | $1,494,000 | 2,880 |
| Pre-tax net operating income | $1,382,000 | 4,071 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $1,382,000 | 3,431 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,382,000 | 3,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $257,000 | 4,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,382,000 | 3,333 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,568,000 | 3,538 |
| Total interest expense | $5,473,000 | 3,050 |
| Net interest income | $4,095,000 | 4,105 |
| Provision for loan and lease losses | $98,000 | 5,381 |
| Total noninterest income | $91,000 | 8,728 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $91,000 | 6,639 |
| Total noninterest expense | $1,870,000 | 5,921 |
| Salaries and employee benefits | $722,000 | 7,095 |
| Premises and equipment expense | $459,000 | 4,064 |
| Additional noninterest expense | $689,000 | 5,232 |
| Pre-tax net operating income | $2,218,000 | 3,061 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $867,000 | 2,371 |
| Income before extraordinary items | $1,351,000 | 3,529 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,351,000 | 3,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 9,602 |
| Cash dividends | $301,000 | 4,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,351,000 | 3,515 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,396,000 | 4,195 |
| Total interest expense | $3,747,000 | 3,798 |
| Net interest income | $3,649,000 | 4,510 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $215,000 | 7,320 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $215,000 | 4,777 |
| Total noninterest expense | $1,862,000 | 5,958 |
| Salaries and employee benefits | $459,000 | 8,576 |
| Premises and equipment expense | $432,000 | 4,259 |
| Additional noninterest expense | $971,000 | 4,116 |
| Pre-tax net operating income | $2,002,000 | 3,344 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $735,000 | 2,811 |
| Income before extraordinary items | $1,267,000 | 3,698 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,267,000 | 3,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,499 |
| Cash dividends | $301,000 | 4,489 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,267,000 | 3,667 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,085,000 | 4,952 |
| Total interest expense | $3,524,000 | 4,102 |
| Net interest income | $2,561,000 | 5,746 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $303,000 | 6,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $303,000 | 3,997 |
| Total noninterest expense | $1,524,000 | 6,620 |
| Salaries and employee benefits | $426,000 | 8,802 |
| Premises and equipment expense | $372,000 | 4,686 |
| Additional noninterest expense | $726,000 | 5,015 |
| Pre-tax net operating income | $1,340,000 | 4,527 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $565,000 | 3,555 |
| Income before extraordinary items | $775,000 | 5,284 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $775,000 | 5,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 2,521 |
| Cash dividends | $301,000 | 4,524 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $775,000 | 5,187 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,375,000 | 5,501 |
| Total interest expense | $2,908,000 | 4,851 |
| Net interest income | $2,467,000 | 6,106 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $245,000 | 7,279 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $245,000 | 4,421 |
| Total noninterest expense | $1,183,000 | 7,729 |
| Salaries and employee benefits | $367,000 | 9,477 |
| Premises and equipment expense | $283,000 | 5,622 |
| Additional noninterest expense | $533,000 | 6,250 |
| Pre-tax net operating income | $1,529,000 | 4,425 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $593,000 | 3,711 |
| Income before extraordinary items | $936,000 | 4,920 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $936,000 | 4,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,408 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $936,000 | 4,851 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,555,000 | 5,478 |
| Total interest expense | $2,829,000 | 5,033 |
| Net interest income | $2,726,000 | 5,837 |
| Provision for loan and lease losses | $2,159,000 | 583 |
| Total noninterest income | $314,000 | 6,785 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $314,000 | 3,969 |
| Total noninterest expense | $1,359,000 | 7,488 |
| Salaries and employee benefits | $435,000 | 9,361 |
| Premises and equipment expense | $281,000 | 5,823 |
| Additional noninterest expense | $643,000 | 6,077 |
| Pre-tax net operating income | $-478,000 | 11,229 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-244,000 | 11,292 |
| Income before extraordinary items | $-234,000 | 11,130 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-234,000 | 11,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 10,158 |
| Cash dividends | $376,000 | 4,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-234,000 | 11,093 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,139,000 | 5,866 |
| Total interest expense | $2,487,000 | 5,595 |
| Net interest income | $2,652,000 | 6,039 |
| Provision for loan and lease losses | $-34,000 | 11,540 |
| Total noninterest income | $311,000 | 6,956 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $311,000 | 3,915 |
| Total noninterest expense | $944,000 | 9,190 |
| Salaries and employee benefits | $369,000 | 10,175 |
| Premises and equipment expense | $255,000 | 6,261 |
| Additional noninterest expense | $320,000 | 9,033 |
| Pre-tax net operating income | $2,053,000 | 3,407 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $797,000 | 2,879 |
| Income before extraordinary items | $1,256,000 | 3,797 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,256,000 | 3,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,260 |
| Cash dividends | $601,000 | 2,905 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,256,000 | 3,776 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,193,000 | 7,772 |
| Total interest expense | $1,356,000 | 7,370 |
| Net interest income | $1,837,000 | 7,950 |
| Provision for loan and lease losses | $20,000 | 7,754 |
| Total noninterest income | $151,000 | 9,686 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $151,000 | 6,191 |
| Total noninterest expense | $827,000 | 10,101 |
| Salaries and employee benefits | $283,000 | 11,367 |
| Premises and equipment expense | $239,000 | 6,704 |
| Additional noninterest expense | $305,000 | 9,905 |
| Pre-tax net operating income | $1,141,000 | 5,424 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $443,000 | 4,447 |
| Income before extraordinary items | $698,000 | 5,928 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $698,000 | 5,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,066 |
| Cash dividends | $301,000 | 4,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $698,000 | 5,989 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,664,000 | 8,879 |
| Total interest expense | $1,189,000 | 8,296 |
| Net interest income | $1,475,000 | 9,193 |
| Provision for loan and lease losses | $20,000 | 9,046 |
| Total noninterest income | $207,000 | 9,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $207,000 | 5,557 |
| Total noninterest expense | $896,000 | 10,208 |
| Salaries and employee benefits | $371,000 | 10,927 |
| Premises and equipment expense | $249,000 | 6,692 |
| Additional noninterest expense | $276,000 | 10,747 |
| Pre-tax net operating income | $766,000 | 6,992 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $305,000 | 6,010 |
| Income before extraordinary items | $461,000 | 7,872 |
| Extraordinary gains, net | $93,000 | 1,644 |
| Net income | $554,000 | 7,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 6,216 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $461,000 | 7,621 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,752,000 | 9,431 |
| Total interest expense | $1,466,000 | 8,621 |
| Net interest income | $1,286,000 | 10,014 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $145,000 | 10,591 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $145,000 | 6,767 |
| Total noninterest expense | $812,000 | 10,946 |
| Salaries and employee benefits | $337,000 | 11,580 |
| Premises and equipment expense | $247,000 | 6,841 |
| Additional noninterest expense | $228,000 | 11,842 |
| Pre-tax net operating income | $619,000 | 7,582 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $223,000 | 7,127 |
| Income before extraordinary items | $396,000 | 8,261 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $396,000 | 8,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 5,695 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $396,000 | 7,901 |
* 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.