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CapitalBank, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $19,609,000 | 1,099 |
| Total interest expense | $5,051,000 | 942 |
| Net interest income | $14,558,000 | 1,154 |
| Provision for loan and lease losses | $2,350,000 | 1,107 |
| Total noninterest income | $4,816,000 | 868 |
| Gross Fiduciary activities income | $1,603,000 | 253 |
| Service charges on deposit accounts | $1,139,000 | 975 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $2,074,000 | 1,091 |
| Total noninterest expense | $14,549,000 | 1,020 |
| Salaries and employee benefits | $7,381,000 | 1,001 |
| Premises and equipment expense | $1,622,000 | 1,171 |
| Additional noninterest expense | $5,546,000 | 954 |
| Pre-tax net operating income | $2,475,000 | 1,746 |
| Securities gains (losses) | $439,000 | 712 |
| Applicable income taxes | $729,000 | 1,380 |
| Income before extraordinary items | $2,185,000 | 1,704 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,185,000 | 1,705 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,185,000 | 1,705 |
| Net charge-offs | $5,932,000 | 552 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $1,855,750 | 1,857 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $13,324,000 | 1,080 |
| Total interest expense | $3,489,000 | 940 |
| Net interest income | $9,835,000 | 1,136 |
| Provision for loan and lease losses | $2,350,000 | 823 |
| Total noninterest income | $3,129,000 | 887 |
| Gross Fiduciary activities income | $1,078,000 | 255 |
| Service charges on deposit accounts | $753,000 | 967 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,298,000 | 1,126 |
| Total noninterest expense | $9,714,000 | 1,035 |
| Salaries and employee benefits | $4,957,000 | 998 |
| Premises and equipment expense | $1,081,000 | 1,187 |
| Additional noninterest expense | $3,676,000 | 989 |
| Pre-tax net operating income | $900,000 | 2,714 |
| Securities gains (losses) | $375,000 | 455 |
| Applicable income taxes | $245,000 | 2,007 |
| Income before extraordinary items | $1,030,000 | 2,220 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,030,000 | 2,219 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,030,000 | 2,220 |
| Net charge-offs | $4,917,000 | 467 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $726,250 | 2,766 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $6,948,000 | 1,041 |
| Total interest expense | $1,824,000 | 928 |
| Net interest income | $5,124,000 | 1,072 |
| Provision for loan and lease losses | $600,000 | 1,247 |
| Total noninterest income | $1,809,000 | 792 |
| Gross Fiduciary activities income | $530,000 | 257 |
| Service charges on deposit accounts | $375,000 | 960 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $904,000 | 886 |
| Total noninterest expense | $4,900,000 | 1,015 |
| Salaries and employee benefits | $2,540,000 | 983 |
| Premises and equipment expense | $560,000 | 1,179 |
| Additional noninterest expense | $1,800,000 | 984 |
| Pre-tax net operating income | $1,433,000 | 1,046 |
| Securities gains (losses) | $224,000 | 312 |
| Applicable income taxes | $493,000 | 764 |
| Income before extraordinary items | $1,164,000 | 1,049 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,164,000 | 1,048 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,164,000 | 1,049 |
| Net charge-offs | $2,653,000 | 446 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $1,007,200 | 1,192 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $31,042,000 | 980 |
| Total interest expense | $10,196,000 | 794 |
| Net interest income | $20,846,000 | 1,064 |
| Provision for loan and lease losses | $18,350,000 | 403 |
| Total noninterest income | $7,717,000 | 772 |
| Gross Fiduciary activities income | $1,936,000 | 271 |
| Service charges on deposit accounts | $1,822,000 | 830 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $3,959,000 | 877 |
| Total noninterest expense | $20,305,000 | 983 |
| Salaries and employee benefits | $9,863,000 | 992 |
| Premises and equipment expense | $2,266,000 | 1,147 |
| Additional noninterest expense | $8,176,000 | 901 |
| Pre-tax net operating income | $-10,092,000 | 7,357 |
| Securities gains (losses) | $1,999,000 | 268 |
| Applicable income taxes | $-3,187,000 | 7,538 |
| Income before extraordinary items | $-4,906,000 | 7,168 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,906,000 | 7,168 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-4,906,000 | 7,168 |
| Net charge-offs | $15,345,000 | 430 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-6,185,360 | 7,228 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $23,816,000 | 976 |
| Total interest expense | $8,185,000 | 767 |
| Net interest income | $15,631,000 | 1,070 |
| Provision for loan and lease losses | $6,350,000 | 722 |
| Total noninterest income | $5,740,000 | 759 |
| Gross Fiduciary activities income | $1,429,000 | 268 |
| Service charges on deposit accounts | $1,414,000 | 819 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $2,897,000 | 847 |
| Total noninterest expense | $14,626,000 | 1,006 |
| Salaries and employee benefits | $7,266,000 | 995 |
| Premises and equipment expense | $1,732,000 | 1,141 |
| Additional noninterest expense | $5,628,000 | 952 |
| Pre-tax net operating income | $395,000 | 4,523 |
| Securities gains (losses) | $1,993,000 | 221 |
| Applicable income taxes | $508,000 | 1,659 |
| Income before extraordinary items | $1,880,000 | 1,753 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,880,000 | 1,756 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,880,000 | 1,756 |
| Net charge-offs | $7,197,000 | 612 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $305,530 | 4,656 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $16,325,000 | 967 |
| Total interest expense | $5,574,000 | 777 |
| Net interest income | $10,751,000 | 1,031 |
| Provision for loan and lease losses | $3,600,000 | 823 |
| Total noninterest income | $4,082,000 | 705 |
| Gross Fiduciary activities income | $922,000 | 275 |
| Service charges on deposit accounts | $973,000 | 792 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $2,187,000 | 748 |
| Total noninterest expense | $9,456,000 | 1,038 |
| Salaries and employee benefits | $4,798,000 | 1,010 |
| Premises and equipment expense | $1,157,000 | 1,149 |
| Additional noninterest expense | $3,501,000 | 1,014 |
| Pre-tax net operating income | $1,777,000 | 1,464 |
| Securities gains (losses) | $1,265,000 | 207 |
| Applicable income taxes | $831,000 | 830 |
| Income before extraordinary items | $2,211,000 | 1,022 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,211,000 | 1,023 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $2,211,000 | 1,023 |
| Net charge-offs | $4,583,000 | 612 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,287,550 | 1,618 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $8,265,000 | 968 |
| Total interest expense | $2,767,000 | 837 |
| Net interest income | $5,498,000 | 1,020 |
| Provision for loan and lease losses | $1,600,000 | 858 |
| Total noninterest income | $2,547,000 | 592 |
| Gross Fiduciary activities income | $472,000 | 274 |
| Service charges on deposit accounts | $482,000 | 814 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,593,000 | 566 |
| Total noninterest expense | $4,625,000 | 1,075 |
| Salaries and employee benefits | $2,373,000 | 1,038 |
| Premises and equipment expense | $586,000 | 1,162 |
| Additional noninterest expense | $1,666,000 | 1,048 |
| Pre-tax net operating income | $1,820,000 | 745 |
| Securities gains (losses) | $683,000 | 184 |
| Applicable income taxes | $757,000 | 475 |
| Income before extraordinary items | $1,746,000 | 643 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,746,000 | 646 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $1,746,000 | 647 |
| Net charge-offs | $1,742,000 | 717 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $1,267,900 | 835 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $36,244,000 | 934 |
| Total interest expense | $13,249,000 | 891 |
| Net interest income | $22,995,000 | 940 |
| Provision for loan and lease losses | $32,800,000 | 340 |
| Total noninterest income | $3,923,000 | 1,319 |
| Gross Fiduciary activities income | $1,623,000 | 288 |
| Service charges on deposit accounts | $2,314,000 | 731 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-14,000 | 7,477 |
| Total noninterest expense | $28,095,000 | 755 |
| Salaries and employee benefits | $10,027,000 | 975 |
| Premises and equipment expense | $2,402,000 | 1,140 |
| Additional noninterest expense | $15,666,000 | 534 |
| Pre-tax net operating income | $-33,977,000 | 7,817 |
| Securities gains (losses) | $224,000 | 1,469 |
| Applicable income taxes | $-9,424,000 | 7,862 |
| Income before extraordinary items | $-24,329,000 | 7,777 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-24,329,000 | 7,775 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-24,329,000 | 7,776 |
| Net charge-offs | $32,257,000 | 276 |
| Cash dividends | $1,081,000 | 1,544 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-24,490,280 | 7,783 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $27,739,000 | 931 |
| Total interest expense | $10,113,000 | 921 |
| Net interest income | $17,626,000 | 920 |
| Provision for loan and lease losses | $31,800,000 | 277 |
| Total noninterest income | $2,799,000 | 1,398 |
| Gross Fiduciary activities income | $1,173,000 | 291 |
| Service charges on deposit accounts | $1,730,000 | 726 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-104,000 | 7,809 |
| Total noninterest expense | $22,082,000 | 713 |
| Salaries and employee benefits | $7,537,000 | 986 |
| Premises and equipment expense | $1,793,000 | 1,156 |
| Additional noninterest expense | $12,752,000 | 477 |
| Pre-tax net operating income | $-33,457,000 | 7,939 |
| Securities gains (losses) | $396,000 | 823 |
| Applicable income taxes | $-9,674,000 | 7,972 |
| Income before extraordinary items | $-23,387,000 | 7,909 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-23,387,000 | 7,909 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-23,387,000 | 7,909 |
| Net charge-offs | $7,474,000 | 626 |
| Cash dividends | $1,081,000 | 1,173 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-23,668,160 | 7,911 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $18,711,000 | 941 |
| Total interest expense | $6,644,000 | 998 |
| Net interest income | $12,067,000 | 903 |
| Provision for loan and lease losses | $7,800,000 | 539 |
| Total noninterest income | $2,175,000 | 1,262 |
| Gross Fiduciary activities income | $754,000 | 300 |
| Service charges on deposit accounts | $1,136,000 | 724 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $285,000 | 3,090 |
| Total noninterest expense | $10,112,000 | 1,038 |
| Salaries and employee benefits | $5,027,000 | 1,003 |
| Premises and equipment expense | $1,204,000 | 1,171 |
| Additional noninterest expense | $3,881,000 | 990 |
| Pre-tax net operating income | $-3,670,000 | 7,633 |
| Securities gains (losses) | $393,000 | 618 |
| Applicable income taxes | $-1,497,000 | 7,842 |
| Income before extraordinary items | $-1,780,000 | 7,410 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,780,000 | 7,409 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,780,000 | 7,408 |
| Net charge-offs | $6,566,000 | 492 |
| Cash dividends | $1,081,000 | 836 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-2,031,520 | 7,484 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $9,469,000 | 939 |
| Total interest expense | $3,336,000 | 1,034 |
| Net interest income | $6,133,000 | 877 |
| Provision for loan and lease losses | $2,000,000 | 753 |
| Total noninterest income | $1,626,000 | 870 |
| Gross Fiduciary activities income | $348,000 | 309 |
| Service charges on deposit accounts | $563,000 | 716 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $715,000 | 1,101 |
| Total noninterest expense | $4,605,000 | 1,087 |
| Salaries and employee benefits | $2,501,000 | 1,009 |
| Premises and equipment expense | $605,000 | 1,189 |
| Additional noninterest expense | $1,499,000 | 1,120 |
| Pre-tax net operating income | $1,154,000 | 1,103 |
| Securities gains (losses) | $145,000 | 819 |
| Applicable income taxes | $298,000 | 1,058 |
| Income before extraordinary items | $1,001,000 | 1,084 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,001,000 | 1,085 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $1,001,000 | 1,086 |
| Net charge-offs | $3,775,000 | 386 |
| Cash dividends | $900,000 | 500 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $889,350 | 1,155 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $43,625,000 | 861 |
| Total interest expense | $17,941,000 | 894 |
| Net interest income | $25,684,000 | 837 |
| Provision for loan and lease losses | $9,300,000 | 634 |
| Total noninterest income | $6,915,000 | 804 |
| Gross Fiduciary activities income | $1,725,000 | 290 |
| Service charges on deposit accounts | $2,492,000 | 694 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,698,000 | 1,056 |
| Total noninterest expense | $19,562,000 | 1,015 |
| Salaries and employee benefits | $10,475,000 | 956 |
| Premises and equipment expense | $2,509,000 | 1,108 |
| Additional noninterest expense | $6,578,000 | 970 |
| Pre-tax net operating income | $3,737,000 | 1,464 |
| Securities gains (losses) | $98,000 | 1,139 |
| Applicable income taxes | $744,000 | 1,465 |
| Income before extraordinary items | $3,091,000 | 1,321 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,091,000 | 1,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,442,000 | 1,142 |
| Cash dividends | $2,200,000 | 1,233 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $3,011,620 | 1,454 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $33,240,000 | 875 |
| Total interest expense | $14,057,000 | 882 |
| Net interest income | $19,183,000 | 857 |
| Provision for loan and lease losses | $5,600,000 | 604 |
| Total noninterest income | $5,411,000 | 816 |
| Gross Fiduciary activities income | $1,398,000 | 285 |
| Service charges on deposit accounts | $1,840,000 | 718 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,173,000 | 1,038 |
| Total noninterest expense | $15,235,000 | 976 |
| Salaries and employee benefits | $8,359,000 | 920 |
| Premises and equipment expense | $1,909,000 | 1,095 |
| Additional noninterest expense | $4,967,000 | 916 |
| Pre-tax net operating income | $3,759,000 | 1,320 |
| Securities gains (losses) | $98,000 | 981 |
| Applicable income taxes | $940,000 | 1,212 |
| Income before extraordinary items | $2,917,000 | 1,272 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,917,000 | 1,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,506,000 | 1,011 |
| Cash dividends | $1,350,000 | 1,432 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,842,520 | 1,373 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $22,825,000 | 856 |
| Total interest expense | $9,828,000 | 872 |
| Net interest income | $12,997,000 | 835 |
| Provision for loan and lease losses | $4,500,000 | 468 |
| Total noninterest income | $3,569,000 | 829 |
| Gross Fiduciary activities income | $956,000 | 288 |
| Service charges on deposit accounts | $1,169,000 | 741 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,444,000 | 1,085 |
| Total noninterest expense | $10,205,000 | 966 |
| Salaries and employee benefits | $5,717,000 | 898 |
| Premises and equipment expense | $1,247,000 | 1,119 |
| Additional noninterest expense | $3,241,000 | 919 |
| Pre-tax net operating income | $1,861,000 | 1,794 |
| Securities gains (losses) | $98,000 | 979 |
| Applicable income taxes | $412,000 | 1,839 |
| Income before extraordinary items | $1,547,000 | 1,750 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,547,000 | 1,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,383,000 | 707 |
| Cash dividends | $550,000 | 2,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,469,580 | 1,807 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $11,873,000 | 847 |
| Total interest expense | $5,483,000 | 823 |
| Net interest income | $6,390,000 | 845 |
| Provision for loan and lease losses | $2,000,000 | 406 |
| Total noninterest income | $1,760,000 | 835 |
| Gross Fiduciary activities income | $469,000 | 289 |
| Service charges on deposit accounts | $586,000 | 738 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $705,000 | 1,110 |
| Total noninterest expense | $4,992,000 | 971 |
| Salaries and employee benefits | $2,821,000 | 927 |
| Premises and equipment expense | $613,000 | 1,140 |
| Additional noninterest expense | $1,558,000 | 923 |
| Pre-tax net operating income | $1,158,000 | 1,574 |
| Securities gains (losses) | $97,000 | 725 |
| Applicable income taxes | $314,000 | 1,434 |
| Income before extraordinary items | $941,000 | 1,589 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $941,000 | 1,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,276,000 | 390 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $868,250 | 1,640 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $49,195,000 | 852 |
| Total interest expense | $24,614,000 | 803 |
| Net interest income | $24,581,000 | 903 |
| Provision for loan and lease losses | $1,025,000 | 1,395 |
| Total noninterest income | $6,886,000 | 844 |
| Gross Fiduciary activities income | $1,590,000 | 316 |
| Service charges on deposit accounts | $2,425,000 | 734 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,871,000 | 1,048 |
| Total noninterest expense | $18,594,000 | 1,006 |
| Salaries and employee benefits | $10,653,000 | 934 |
| Premises and equipment expense | $2,264,000 | 1,163 |
| Additional noninterest expense | $5,677,000 | 1,000 |
| Pre-tax net operating income | $11,848,000 | 724 |
| Securities gains (losses) | $-469,000 | 8,362 |
| Applicable income taxes | $3,694,000 | 686 |
| Income before extraordinary items | $7,685,000 | 842 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $7,685,000 | 840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $466,000 | 1,776 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $8,003,920 | 807 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $36,436,000 | 862 |
| Total interest expense | $18,361,000 | 798 |
| Net interest income | $18,075,000 | 924 |
| Provision for loan and lease losses | $625,000 | 1,312 |
| Total noninterest income | $5,018,000 | 865 |
| Gross Fiduciary activities income | $1,142,000 | 321 |
| Service charges on deposit accounts | $1,796,000 | 735 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,080,000 | 1,070 |
| Total noninterest expense | $13,735,000 | 1,011 |
| Salaries and employee benefits | $7,941,000 | 935 |
| Premises and equipment expense | $1,654,000 | 1,191 |
| Additional noninterest expense | $4,140,000 | 1,003 |
| Pre-tax net operating income | $8,733,000 | 793 |
| Securities gains (losses) | $-470,000 | 8,451 |
| Applicable income taxes | $2,604,000 | 775 |
| Income before extraordinary items | $5,659,000 | 913 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $5,659,000 | 911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $225,000 | 1,815 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $5,978,600 | 866 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $23,725,000 | 893 |
| Total interest expense | $11,954,000 | 825 |
| Net interest income | $11,771,000 | 957 |
| Provision for loan and lease losses | $325,000 | 1,448 |
| Total noninterest income | $3,268,000 | 907 |
| Gross Fiduciary activities income | $746,000 | 332 |
| Service charges on deposit accounts | $1,185,000 | 744 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,337,000 | 1,142 |
| Total noninterest expense | $9,082,000 | 1,039 |
| Salaries and employee benefits | $5,274,000 | 959 |
| Premises and equipment expense | $1,089,000 | 1,227 |
| Additional noninterest expense | $2,719,000 | 1,029 |
| Pre-tax net operating income | $5,632,000 | 857 |
| Securities gains (losses) | $-53,000 | 8,314 |
| Applicable income taxes | $1,768,000 | 799 |
| Income before extraordinary items | $3,811,000 | 949 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,811,000 | 948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 2,116 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $3,847,040 | 927 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $11,493,000 | 916 |
| Total interest expense | $5,783,000 | 849 |
| Net interest income | $5,710,000 | 979 |
| Provision for loan and lease losses | $200,000 | 1,154 |
| Total noninterest income | $1,612,000 | 895 |
| Gross Fiduciary activities income | $381,000 | 328 |
| Service charges on deposit accounts | $583,000 | 724 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $648,000 | 1,131 |
| Total noninterest expense | $4,467,000 | 1,054 |
| Salaries and employee benefits | $2,626,000 | 969 |
| Premises and equipment expense | $552,000 | 1,214 |
| Additional noninterest expense | $1,289,000 | 1,059 |
| Pre-tax net operating income | $2,655,000 | 886 |
| Securities gains (losses) | $-53,000 | 8,499 |
| Applicable income taxes | $807,000 | 854 |
| Income before extraordinary items | $1,795,000 | 978 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,795,000 | 977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 1,949 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,831,570 | 946 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $40,751,000 | 956 |
| Total interest expense | $19,343,000 | 861 |
| Net interest income | $21,408,000 | 1,038 |
| Provision for loan and lease losses | $1,140,000 | 926 |
| Total noninterest income | $6,000,000 | 946 |
| Gross Fiduciary activities income | $1,175,000 | 358 |
| Service charges on deposit accounts | $2,627,000 | 668 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,198,000 | 1,272 |
| Total noninterest expense | $17,464,000 | 1,029 |
| Salaries and employee benefits | $10,294,000 | 935 |
| Premises and equipment expense | $2,073,000 | 1,249 |
| Additional noninterest expense | $5,097,000 | 1,044 |
| Pre-tax net operating income | $8,804,000 | 1,113 |
| Securities gains (losses) | $-61,000 | 8,017 |
| Applicable income taxes | $2,552,000 | 1,079 |
| Income before extraordinary items | $6,191,000 | 1,193 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,191,000 | 1,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,263,000 | 563 |
| Cash dividends | $2,900,000 | 1,152 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $6,234,310 | 1,171 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $29,488,000 | 998 |
| Total interest expense | $13,686,000 | 892 |
| Net interest income | $15,802,000 | 1,073 |
| Provision for loan and lease losses | $800,000 | 942 |
| Total noninterest income | $4,373,000 | 979 |
| Gross Fiduciary activities income | $847,000 | 366 |
| Service charges on deposit accounts | $1,961,000 | 678 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,565,000 | 1,328 |
| Total noninterest expense | $13,057,000 | 1,044 |
| Salaries and employee benefits | $7,638,000 | 955 |
| Premises and equipment expense | $1,548,000 | 1,252 |
| Additional noninterest expense | $3,871,000 | 1,045 |
| Pre-tax net operating income | $6,318,000 | 1,222 |
| Securities gains (losses) | $6,000 | 998 |
| Applicable income taxes | $1,847,000 | 1,161 |
| Income before extraordinary items | $4,477,000 | 1,265 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,477,000 | 1,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $974,000 | 477 |
| Cash dividends | $2,900,000 | 855 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,472,740 | 1,251 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $18,777,000 | 1,026 |
| Total interest expense | $8,523,000 | 905 |
| Net interest income | $10,254,000 | 1,100 |
| Provision for loan and lease losses | $150,000 | 2,563 |
| Total noninterest income | $2,808,000 | 1,002 |
| Gross Fiduciary activities income | $545,000 | 377 |
| Service charges on deposit accounts | $1,287,000 | 672 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $976,000 | 1,373 |
| Total noninterest expense | $8,549,000 | 1,055 |
| Salaries and employee benefits | $4,999,000 | 980 |
| Premises and equipment expense | $1,008,000 | 1,295 |
| Additional noninterest expense | $2,542,000 | 1,068 |
| Pre-tax net operating income | $4,363,000 | 1,165 |
| Securities gains (losses) | $6,000 | 812 |
| Applicable income taxes | $1,278,000 | 1,138 |
| Income before extraordinary items | $3,091,000 | 1,214 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,091,000 | 1,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $327,000 | 786 |
| Cash dividends | $2,900,000 | 599 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,086,740 | 1,198 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,908,000 | 1,046 |
| Total interest expense | $3,856,000 | 943 |
| Net interest income | $5,052,000 | 1,115 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $1,346,000 | 1,021 |
| Gross Fiduciary activities income | $273,000 | 379 |
| Service charges on deposit accounts | $622,000 | 666 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $451,000 | 1,446 |
| Total noninterest expense | $4,245,000 | 1,066 |
| Salaries and employee benefits | $2,483,000 | 993 |
| Premises and equipment expense | $502,000 | 1,296 |
| Additional noninterest expense | $1,260,000 | 1,064 |
| Pre-tax net operating income | $2,153,000 | 1,152 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $597,000 | 1,203 |
| Income before extraordinary items | $1,556,000 | 1,198 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,556,000 | 1,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 514 |
| Cash dividends | $800,000 | 899 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,556,000 | 1,177 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $30,947,000 | 1,061 |
| Total interest expense | $10,968,000 | 1,021 |
| Net interest income | $19,979,000 | 1,081 |
| Provision for loan and lease losses | $825,000 | 1,232 |
| Total noninterest income | $6,239,000 | 906 |
| Gross Fiduciary activities income | $901,000 | 418 |
| Service charges on deposit accounts | $3,034,000 | 555 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,304,000 | 1,221 |
| Total noninterest expense | $16,189,000 | 1,052 |
| Salaries and employee benefits | $9,458,000 | 966 |
| Premises and equipment expense | $1,986,000 | 1,241 |
| Additional noninterest expense | $4,745,000 | 1,077 |
| Pre-tax net operating income | $9,204,000 | 1,047 |
| Securities gains (losses) | $-66,000 | 8,290 |
| Applicable income taxes | $2,510,000 | 1,121 |
| Income before extraordinary items | $6,628,000 | 1,096 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,628,000 | 1,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $309,000 | 1,692 |
| Cash dividends | $5,050,000 | 649 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,676,180 | 1,066 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $22,580,000 | 1,060 |
| Total interest expense | $7,791,000 | 1,010 |
| Net interest income | $14,789,000 | 1,080 |
| Provision for loan and lease losses | $425,000 | 1,625 |
| Total noninterest income | $4,756,000 | 895 |
| Gross Fiduciary activities income | $658,000 | 419 |
| Service charges on deposit accounts | $2,309,000 | 548 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,789,000 | 1,196 |
| Total noninterest expense | $12,153,000 | 1,044 |
| Salaries and employee benefits | $7,089,000 | 958 |
| Premises and equipment expense | $1,471,000 | 1,238 |
| Additional noninterest expense | $3,593,000 | 1,054 |
| Pre-tax net operating income | $6,967,000 | 1,043 |
| Securities gains (losses) | $-66,000 | 8,553 |
| Applicable income taxes | $1,917,000 | 1,110 |
| Income before extraordinary items | $4,984,000 | 1,075 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,984,000 | 1,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 1,606 |
| Cash dividends | $4,500,000 | 523 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,031,520 | 1,050 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $14,621,000 | 1,061 |
| Total interest expense | $4,949,000 | 995 |
| Net interest income | $9,672,000 | 1,085 |
| Provision for loan and lease losses | $200,000 | 2,158 |
| Total noninterest income | $3,162,000 | 881 |
| Gross Fiduciary activities income | $411,000 | 434 |
| Service charges on deposit accounts | $1,522,000 | 544 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,229,000 | 1,158 |
| Total noninterest expense | $8,033,000 | 1,043 |
| Salaries and employee benefits | $4,684,000 | 959 |
| Premises and equipment expense | $974,000 | 1,232 |
| Additional noninterest expense | $2,375,000 | 1,057 |
| Pre-tax net operating income | $4,601,000 | 1,025 |
| Securities gains (losses) | $-86,000 | 8,681 |
| Applicable income taxes | $1,244,000 | 1,120 |
| Income before extraordinary items | $3,271,000 | 1,063 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,271,000 | 1,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,003 |
| Cash dividends | $850,000 | 1,501 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,332,920 | 1,025 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,103,000 | 1,068 |
| Total interest expense | $2,351,000 | 996 |
| Net interest income | $4,752,000 | 1,099 |
| Provision for loan and lease losses | $100,000 | 2,031 |
| Total noninterest income | $1,456,000 | 924 |
| Gross Fiduciary activities income | $206,000 | 444 |
| Service charges on deposit accounts | $730,000 | 542 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $520,000 | 1,298 |
| Total noninterest expense | $3,928,000 | 1,060 |
| Salaries and employee benefits | $2,271,000 | 980 |
| Premises and equipment expense | $494,000 | 1,220 |
| Additional noninterest expense | $1,163,000 | 1,063 |
| Pre-tax net operating income | $2,180,000 | 1,060 |
| Securities gains (losses) | $21,000 | 781 |
| Applicable income taxes | $601,000 | 1,151 |
| Income before extraordinary items | $1,600,000 | 1,075 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,600,000 | 1,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 2,124 |
| Cash dividends | $600,000 | 1,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,584,670 | 1,060 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $25,462,000 | 1,116 |
| Total interest expense | $6,569,000 | 1,251 |
| Net interest income | $18,893,000 | 1,053 |
| Provision for loan and lease losses | $1,200,000 | 884 |
| Total noninterest income | $5,551,000 | 997 |
| Gross Fiduciary activities income | $608,000 | 505 |
| Service charges on deposit accounts | $2,726,000 | 644 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,217,000 | 1,232 |
| Total noninterest expense | $15,320,000 | 1,049 |
| Salaries and employee benefits | $8,879,000 | 962 |
| Premises and equipment expense | $1,799,000 | 1,280 |
| Additional noninterest expense | $4,642,000 | 1,068 |
| Pre-tax net operating income | $7,924,000 | 1,107 |
| Securities gains (losses) | $5,000 | 3,151 |
| Applicable income taxes | $2,100,000 | 1,215 |
| Income before extraordinary items | $5,829,000 | 1,113 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,829,000 | 1,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $409,000 | 1,572 |
| Cash dividends | $10,850,000 | 346 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,825,300 | 1,090 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $18,520,000 | 1,129 |
| Total interest expense | $4,609,000 | 1,303 |
| Net interest income | $13,911,000 | 1,062 |
| Provision for loan and lease losses | $900,000 | 852 |
| Total noninterest income | $3,987,000 | 1,042 |
| Gross Fiduciary activities income | $428,000 | 524 |
| Service charges on deposit accounts | $1,993,000 | 672 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,566,000 | 1,289 |
| Total noninterest expense | $11,332,000 | 1,065 |
| Salaries and employee benefits | $6,510,000 | 984 |
| Premises and equipment expense | $1,360,000 | 1,261 |
| Additional noninterest expense | $3,462,000 | 1,064 |
| Pre-tax net operating income | $5,666,000 | 1,166 |
| Securities gains (losses) | $5,000 | 3,038 |
| Applicable income taxes | $1,515,000 | 1,274 |
| Income before extraordinary items | $4,156,000 | 1,187 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,156,000 | 1,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 1,932 |
| Cash dividends | $10,000,000 | 270 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,152,350 | 1,148 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,918,000 | 1,153 |
| Total interest expense | $2,895,000 | 1,374 |
| Net interest income | $9,023,000 | 1,084 |
| Provision for loan and lease losses | $550,000 | 899 |
| Total noninterest income | $2,624,000 | 1,047 |
| Gross Fiduciary activities income | $272,000 | 543 |
| Service charges on deposit accounts | $1,267,000 | 688 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,085,000 | 1,250 |
| Total noninterest expense | $7,568,000 | 1,060 |
| Salaries and employee benefits | $4,348,000 | 983 |
| Premises and equipment expense | $899,000 | 1,278 |
| Additional noninterest expense | $2,321,000 | 1,059 |
| Pre-tax net operating income | $3,529,000 | 1,218 |
| Securities gains (losses) | $5,000 | 2,738 |
| Applicable income taxes | $934,000 | 1,353 |
| Income before extraordinary items | $2,600,000 | 1,249 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,600,000 | 1,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 1,800 |
| Cash dividends | $8,000,000 | 226 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,596,300 | 1,209 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,625,000 | 1,229 |
| Total interest expense | $1,405,000 | 1,423 |
| Net interest income | $4,220,000 | 1,174 |
| Provision for loan and lease losses | $100,000 | 2,105 |
| Total noninterest income | $1,162,000 | 1,115 |
| Gross Fiduciary activities income | $125,000 | 578 |
| Service charges on deposit accounts | $567,000 | 754 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $470,000 | 1,357 |
| Total noninterest expense | $3,528,000 | 1,154 |
| Salaries and employee benefits | $2,078,000 | 1,042 |
| Premises and equipment expense | $440,000 | 1,320 |
| Additional noninterest expense | $1,010,000 | 1,192 |
| Pre-tax net operating income | $1,754,000 | 1,198 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $474,000 | 1,352 |
| Income before extraordinary items | $1,280,000 | 1,265 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,280,000 | 1,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 1,213 |
| Cash dividends | $8,000,000 | 132 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,280,000 | 1,200 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $21,091,000 | 1,346 |
| Total interest expense | $6,463,000 | 1,374 |
| Net interest income | $14,628,000 | 1,338 |
| Provision for loan and lease losses | $479,000 | 2,259 |
| Total noninterest income | $6,526,000 | 916 |
| Gross Fiduciary activities income | $394,000 | 636 |
| Service charges on deposit accounts | $2,372,000 | 716 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,760,000 | 937 |
| Total noninterest expense | $14,098,000 | 1,147 |
| Salaries and employee benefits | $7,133,000 | 1,198 |
| Premises and equipment expense | $1,845,000 | 1,217 |
| Additional noninterest expense | $5,120,000 | 996 |
| Pre-tax net operating income | $6,577,000 | 1,262 |
| Securities gains (losses) | $26,000 | 3,046 |
| Applicable income taxes | $1,849,000 | 1,361 |
| Income before extraordinary items | $4,754,000 | 1,345 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,754,000 | 1,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 3,098 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,735,280 | 1,281 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $16,010,000 | 1,354 |
| Total interest expense | $5,043,000 | 1,381 |
| Net interest income | $10,967,000 | 1,347 |
| Provision for loan and lease losses | $243,000 | 2,906 |
| Total noninterest income | $4,901,000 | 945 |
| Gross Fiduciary activities income | $282,000 | 652 |
| Service charges on deposit accounts | $1,757,000 | 734 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,862,000 | 952 |
| Total noninterest expense | $10,357,000 | 1,177 |
| Salaries and employee benefits | $5,277,000 | 1,231 |
| Premises and equipment expense | $1,349,000 | 1,261 |
| Additional noninterest expense | $3,731,000 | 1,030 |
| Pre-tax net operating income | $5,268,000 | 1,226 |
| Securities gains (losses) | $24,000 | 2,852 |
| Applicable income taxes | $1,542,000 | 1,318 |
| Income before extraordinary items | $3,750,000 | 1,319 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,750,000 | 1,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 2,556 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,732,960 | 1,254 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,730,000 | 1,361 |
| Total interest expense | $3,452,000 | 1,400 |
| Net interest income | $7,278,000 | 1,348 |
| Provision for loan and lease losses | $143,000 | 3,205 |
| Total noninterest income | $2,427,000 | 1,177 |
| Gross Fiduciary activities income | $173,000 | 674 |
| Service charges on deposit accounts | $1,156,000 | 737 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,098,000 | 1,412 |
| Total noninterest expense | $6,121,000 | 1,333 |
| Salaries and employee benefits | $3,431,000 | 1,260 |
| Premises and equipment expense | $886,000 | 1,297 |
| Additional noninterest expense | $1,804,000 | 1,366 |
| Pre-tax net operating income | $3,441,000 | 1,243 |
| Securities gains (losses) | $11,000 | 2,898 |
| Applicable income taxes | $1,003,000 | 1,376 |
| Income before extraordinary items | $2,449,000 | 1,352 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,449,000 | 1,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 2,496 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,441,190 | 1,260 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,346,000 | 1,372 |
| Total interest expense | $1,774,000 | 1,388 |
| Net interest income | $3,572,000 | 1,371 |
| Provision for loan and lease losses | $106,000 | 2,255 |
| Total noninterest income | $1,151,000 | 1,198 |
| Gross Fiduciary activities income | $82,000 | 700 |
| Service charges on deposit accounts | $562,000 | 742 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $507,000 | 1,473 |
| Total noninterest expense | $2,998,000 | 1,347 |
| Salaries and employee benefits | $1,693,000 | 1,279 |
| Premises and equipment expense | $435,000 | 1,327 |
| Additional noninterest expense | $870,000 | 1,385 |
| Pre-tax net operating income | $1,619,000 | 1,315 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $451,000 | 1,496 |
| Income before extraordinary items | $1,168,000 | 1,400 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,168,000 | 1,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 2,069 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,168,000 | 1,314 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $22,288,000 | 1,369 |
| Total interest expense | $7,842,000 | 1,438 |
| Net interest income | $14,446,000 | 1,339 |
| Provision for loan and lease losses | $773,000 | 1,688 |
| Total noninterest income | $4,371,000 | 1,174 |
| Gross Fiduciary activities income | $281,000 | 733 |
| Service charges on deposit accounts | $2,578,000 | 631 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,512,000 | 1,636 |
| Total noninterest expense | $11,511,000 | 1,339 |
| Salaries and employee benefits | $6,399,000 | 1,267 |
| Premises and equipment expense | $1,711,000 | 1,277 |
| Additional noninterest expense | $3,401,000 | 1,393 |
| Pre-tax net operating income | $6,533,000 | 1,297 |
| Securities gains (losses) | $106,000 | 1,692 |
| Applicable income taxes | $1,941,000 | 1,318 |
| Income before extraordinary items | $4,698,000 | 1,335 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,698,000 | 1,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $594,000 | 1,443 |
| Cash dividends | $1,400,000 | 1,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,622,740 | 1,298 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $27,129,000 | 1,265 |
| Total interest expense | $13,538,000 | 1,188 |
| Net interest income | $13,591,000 | 1,305 |
| Provision for loan and lease losses | $1,920,000 | 735 |
| Total noninterest income | $9,609,000 | 616 |
| Gross Fiduciary activities income | $131,000 | 930 |
| Service charges on deposit accounts | $2,127,000 | 696 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $7,351,000 | 501 |
| Total noninterest expense | $14,281,000 | 1,037 |
| Salaries and employee benefits | $6,444,000 | 1,155 |
| Premises and equipment expense | $1,874,000 | 1,134 |
| Additional noninterest expense | $5,963,000 | 833 |
| Pre-tax net operating income | $6,999,000 | 1,067 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $2,134,000 | 1,114 |
| Income before extraordinary items | $4,865,000 | 1,119 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,865,000 | 1,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $877,000 | 1,028 |
| Cash dividends | $7,635,000 | 451 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,865,000 | 1,083 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,422,000 | 3,288 |
| Total interest expense | $5,278,000 | 3,156 |
| Net interest income | $5,144,000 | 3,384 |
| Provision for loan and lease losses | $145,000 | 4,470 |
| Total noninterest income | $1,499,000 | 2,341 |
| Gross Fiduciary activities income | $9,000 | 1,228 |
| Service charges on deposit accounts | $589,000 | 2,331 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $901,000 | 1,987 |
| Total noninterest expense | $4,311,000 | 3,127 |
| Salaries and employee benefits | $1,789,000 | 3,800 |
| Premises and equipment expense | $383,000 | 4,639 |
| Additional noninterest expense | $2,139,000 | 2,028 |
| Pre-tax net operating income | $2,187,000 | 3,102 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $656,000 | 2,943 |
| Income before extraordinary items | $1,531,000 | 3,203 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,531,000 | 3,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,263 |
| Cash dividends | $1,520,000 | 1,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,531,000 | 3,190 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,993,000 | 3,539 |
| Total interest expense | $4,235,000 | 3,422 |
| Net interest income | $4,758,000 | 3,608 |
| Provision for loan and lease losses | $363,000 | 2,262 |
| Total noninterest income | $1,392,000 | 2,413 |
| Gross Fiduciary activities income | $8,000 | 1,281 |
| Service charges on deposit accounts | $513,000 | 2,571 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $871,000 | 2,043 |
| Total noninterest expense | $4,132,000 | 3,220 |
| Salaries and employee benefits | $1,436,000 | 4,500 |
| Premises and equipment expense | $348,000 | 4,979 |
| Additional noninterest expense | $2,348,000 | 1,862 |
| Pre-tax net operating income | $1,655,000 | 3,838 |
| Securities gains (losses) | $47,000 | 1,000 |
| Applicable income taxes | $497,000 | 3,656 |
| Income before extraordinary items | $1,205,000 | 3,862 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,205,000 | 3,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $442,000 | 1,336 |
| Cash dividends | $1,200,000 | 1,962 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,171,630 | 3,921 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,652,000 | 3,666 |
| Total interest expense | $4,195,000 | 3,527 |
| Net interest income | $4,457,000 | 3,760 |
| Provision for loan and lease losses | $270,000 | 2,850 |
| Total noninterest income | $1,452,000 | 2,324 |
| Gross Fiduciary activities income | $12,000 | 1,272 |
| Service charges on deposit accounts | $497,000 | 2,575 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $943,000 | 1,941 |
| Total noninterest expense | $3,690,000 | 3,452 |
| Salaries and employee benefits | $1,261,000 | 4,884 |
| Premises and equipment expense | $319,000 | 5,197 |
| Additional noninterest expense | $2,110,000 | 2,018 |
| Pre-tax net operating income | $1,949,000 | 3,408 |
| Securities gains (losses) | $32,000 | 2,083 |
| Applicable income taxes | $582,000 | 3,482 |
| Income before extraordinary items | $1,399,000 | 3,446 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,399,000 | 3,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,179 |
| Cash dividends | $500,000 | 3,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,376,280 | 3,400 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,087,000 | 3,931 |
| Total interest expense | $4,029,000 | 3,653 |
| Net interest income | $4,058,000 | 4,191 |
| Provision for loan and lease losses | $150,000 | 4,117 |
| Total noninterest income | $1,015,000 | 3,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $469,000 | 2,791 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $546,000 | 2,665 |
| Total noninterest expense | $3,432,000 | 3,667 |
| Salaries and employee benefits | $1,155,000 | 5,264 |
| Premises and equipment expense | $303,000 | 5,422 |
| Additional noninterest expense | $1,974,000 | 2,116 |
| Pre-tax net operating income | $1,491,000 | 4,512 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $459,000 | 4,468 |
| Income before extraordinary items | $1,031,000 | 4,604 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,031,000 | 4,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,724 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,031,690 | 4,536 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,010,000 | 4,577 |
| Total interest expense | $3,453,000 | 4,240 |
| Net interest income | $3,557,000 | 4,764 |
| Provision for loan and lease losses | $90,000 | 5,326 |
| Total noninterest income | $987,000 | 3,159 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $437,000 | 3,088 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $550,000 | 2,733 |
| Total noninterest expense | $2,980,000 | 4,329 |
| Salaries and employee benefits | $994,000 | 6,016 |
| Premises and equipment expense | $282,000 | 5,808 |
| Additional noninterest expense | $1,704,000 | 2,813 |
| Pre-tax net operating income | $1,474,000 | 4,399 |
| Securities gains (losses) | $17,000 | 2,110 |
| Applicable income taxes | $464,000 | 4,404 |
| Income before extraordinary items | $1,027,000 | 4,391 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,027,000 | 4,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,676 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,015,270 | 4,375 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,876,000 | 5,291 |
| Total interest expense | $2,833,000 | 5,023 |
| Net interest income | $3,043,000 | 5,436 |
| Provision for loan and lease losses | $42,000 | 6,540 |
| Total noninterest income | $736,000 | 3,932 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $381,000 | 3,509 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $355,000 | 3,572 |
| Total noninterest expense | $2,587,000 | 4,848 |
| Salaries and employee benefits | $1,221,000 | 5,138 |
| Premises and equipment expense | $362,000 | 4,911 |
| Additional noninterest expense | $1,004,000 | 4,336 |
| Pre-tax net operating income | $1,150,000 | 5,419 |
| Securities gains (losses) | $-22,000 | 10,616 |
| Applicable income taxes | $391,000 | 5,024 |
| Income before extraordinary items | $737,000 | 5,778 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $737,000 | 5,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,571 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $751,300 | 5,679 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,395,000 | 6,265 |
| Total interest expense | $1,693,000 | 6,343 |
| Net interest income | $2,702,000 | 6,096 |
| Provision for loan and lease losses | $14,000 | 8,180 |
| Total noninterest income | $542,000 | 4,984 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $306,000 | 4,292 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $236,000 | 4,748 |
| Total noninterest expense | $2,182,000 | 5,789 |
| Salaries and employee benefits | $1,096,000 | 5,661 |
| Premises and equipment expense | $237,000 | 6,745 |
| Additional noninterest expense | $849,000 | 5,429 |
| Pre-tax net operating income | $1,048,000 | 5,759 |
| Securities gains (losses) | $-79,000 | 11,376 |
| Applicable income taxes | $336,000 | 5,437 |
| Income before extraordinary items | $633,000 | 6,315 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $633,000 | 6,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $684,350 | 6,073 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,820,000 | 7,090 |
| Total interest expense | $1,600,000 | 6,878 |
| Net interest income | $2,220,000 | 7,129 |
| Provision for loan and lease losses | $80,000 | 6,310 |
| Total noninterest income | $706,000 | 4,413 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $271,000 | 4,811 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $435,000 | 3,562 |
| Total noninterest expense | $2,047,000 | 6,210 |
| Salaries and employee benefits | $896,000 | 6,734 |
| Premises and equipment expense | $263,000 | 6,446 |
| Additional noninterest expense | $888,000 | 5,429 |
| Pre-tax net operating income | $799,000 | 6,819 |
| Securities gains (losses) | $17,000 | 4,881 |
| Applicable income taxes | $310,000 | 5,948 |
| Income before extraordinary items | $506,000 | 7,496 |
| Extraordinary gains, net | $47,000 | 2,224 |
| Net income | $553,000 | 7,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 8,297 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $495,120 | 7,343 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,318,000 | 8,445 |
| Total interest expense | $1,642,000 | 8,073 |
| Net interest income | $1,676,000 | 8,730 |
| Provision for loan and lease losses | $227,000 | 4,888 |
| Total noninterest income | $575,000 | 5,125 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $228,000 | 5,457 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $347,000 | 4,061 |
| Total noninterest expense | $1,734,000 | 7,174 |
| Salaries and employee benefits | $738,000 | 7,702 |
| Premises and equipment expense | $275,000 | 6,364 |
| Additional noninterest expense | $721,000 | 6,614 |
| Pre-tax net operating income | $290,000 | 10,237 |
| Securities gains (losses) | $10,000 | 6,439 |
| Applicable income taxes | $96,000 | 10,025 |
| Income before extraordinary items | $204,000 | 10,534 |
| Extraordinary gains, net | $96,000 | 767 |
| Net income | $300,000 | 9,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 7,201 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $197,200 | 10,301 |
* 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.