Home > Centra Bank, Inc. > Income and Expense
Centra Bank, Inc., Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $14,490,000 | 464 |
| Total interest expense | $774,000 | 1,617 |
| Net interest income | $13,716,000 | 414 |
| Provision for loan and lease losses | $1,058,000 | 582 |
| Total noninterest income | $1,741,000 | 860 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $765,000 | 479 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $976,000 | 920 |
| Total noninterest expense | $6,562,000 | 756 |
| Salaries and employee benefits | $2,320,000 | 1,120 |
| Premises and equipment expense | $1,180,000 | 508 |
| Additional noninterest expense | $3,062,000 | 574 |
| Pre-tax net operating income | $7,837,000 | 289 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $2,508,000 | 275 |
| Income before extraordinary items | $5,329,000 | 325 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $5,329,000 | 326 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $5,329,000 | 326 |
| Net charge-offs | $855,000 | 746 |
| Cash dividends | $4,000,000 | 154 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $5,329,000 | 306 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $29,799,000 | 936 |
| Total interest expense | $1,043,000 | 4,314 |
| Net interest income | $28,756,000 | 760 |
| Provision for loan and lease losses | $600,000 | 3,157 |
| Total noninterest income | $3,808,000 | 1,270 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,755,000 | 841 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,053,000 | 1,331 |
| Total noninterest expense | $11,863,000 | 1,652 |
| Salaries and employee benefits | $4,017,000 | 2,396 |
| Premises and equipment expense | $2,312,000 | 1,076 |
| Additional noninterest expense | $5,534,000 | 1,248 |
| Pre-tax net operating income | $20,101,000 | 367 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $6,332,000 | 351 |
| Income before extraordinary items | $13,769,000 | 402 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $13,769,000 | 403 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $13,769,000 | 403 |
| Net charge-offs | $51,000 | 5,463 |
| Cash dividends | $12,000,000 | 203 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $13,769,000 | 393 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $13,064,000 | 1,644 |
| Total interest expense | $388,000 | 5,899 |
| Net interest income | $12,676,000 | 1,326 |
| Provision for loan and lease losses | $300,000 | 3,601 |
| Total noninterest income | $1,721,000 | 1,810 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $651,000 | 1,677 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,070,000 | 1,688 |
| Total noninterest expense | $6,263,000 | 2,286 |
| Salaries and employee benefits | $2,154,000 | 3,227 |
| Premises and equipment expense | $1,307,000 | 1,446 |
| Additional noninterest expense | $2,802,000 | 1,815 |
| Pre-tax net operating income | $7,834,000 | 624 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $2,468,000 | 537 |
| Income before extraordinary items | $5,366,000 | 731 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,366,000 | 730 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $5,366,000 | 731 |
| Net charge-offs | $-10,000 | 7,005 |
| Cash dividends | $4,000,000 | 356 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $5,366,000 | 695 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $29,124,000 | 479 |
| Total interest expense | $5,442,000 | 570 |
| Net interest income | $23,682,000 | 464 |
| Provision for loan and lease losses | $2,069,000 | 899 |
| Total noninterest income | $4,389,000 | 686 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $1,793,000 | 426 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,596,000 | 694 |
| Total noninterest expense | $31,766,000 | 336 |
| Salaries and employee benefits | $23,074,000 | 215 |
| Premises and equipment expense | $2,672,000 | 489 |
| Additional noninterest expense | $6,020,000 | 611 |
| Pre-tax net operating income | $-5,764,000 | 7,386 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-1,881,000 | 7,457 |
| Income before extraordinary items | $-3,883,000 | 7,332 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-3,883,000 | 7,332 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-3,883,000 | 7,332 |
| Net charge-offs | $2,031,000 | 917 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 705 |
| Net operating income | $-3,883,000 | 7,331 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $14,634,000 | 482 |
| Total interest expense | $2,793,000 | 573 |
| Net interest income | $11,841,000 | 464 |
| Provision for loan and lease losses | $1,026,000 | 840 |
| Total noninterest income | $2,227,000 | 676 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $880,000 | 429 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,347,000 | 676 |
| Total noninterest expense | $8,581,000 | 592 |
| Salaries and employee benefits | $4,359,000 | 560 |
| Premises and equipment expense | $1,303,000 | 502 |
| Additional noninterest expense | $2,919,000 | 616 |
| Pre-tax net operating income | $4,461,000 | 405 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $1,547,000 | 335 |
| Income before extraordinary items | $2,914,000 | 457 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $2,914,000 | 457 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,914,000 | 457 |
| Net charge-offs | $925,000 | 902 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 675 |
| Net operating income | $2,914,000 | 443 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $61,048,000 | 485 |
| Total interest expense | $15,620,000 | 503 |
| Net interest income | $45,428,000 | 476 |
| Provision for loan and lease losses | $5,375,000 | 1,078 |
| Total noninterest income | $9,075,000 | 682 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $4,106,000 | 379 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $4,969,000 | 748 |
| Total noninterest expense | $36,195,000 | 564 |
| Salaries and employee benefits | $18,404,000 | 534 |
| Premises and equipment expense | $5,316,000 | 488 |
| Additional noninterest expense | $12,475,000 | 612 |
| Pre-tax net operating income | $12,933,000 | 434 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $4,320,000 | 409 |
| Income before extraordinary items | $8,613,000 | 526 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $8,613,000 | 526 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $8,613,000 | 528 |
| Net charge-offs | $4,799,000 | 1,064 |
| Cash dividends | $1,000,000 | 1,460 |
| Sale, conversion, retirement of capital stock, net | $2,015,000 | 264 |
| Net operating income | $8,613,000 | 498 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $46,018,000 | 482 |
| Total interest expense | $12,428,000 | 495 |
| Net interest income | $33,590,000 | 481 |
| Provision for loan and lease losses | $2,862,000 | 1,308 |
| Total noninterest income | $6,597,000 | 682 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $3,036,000 | 384 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $3,561,000 | 724 |
| Total noninterest expense | $26,529,000 | 566 |
| Salaries and employee benefits | $13,505,000 | 531 |
| Premises and equipment expense | $3,998,000 | 484 |
| Additional noninterest expense | $9,026,000 | 601 |
| Pre-tax net operating income | $10,796,000 | 399 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $3,534,000 | 380 |
| Income before extraordinary items | $7,262,000 | 474 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $7,262,000 | 476 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $7,262,000 | 476 |
| Net charge-offs | $2,566,000 | 1,287 |
| Cash dividends | $1,000,000 | 1,046 |
| Sale, conversion, retirement of capital stock, net | $1,781,000 | 224 |
| Net operating income | $7,262,000 | 453 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $30,798,000 | 484 |
| Total interest expense | $8,717,000 | 488 |
| Net interest income | $22,081,000 | 487 |
| Provision for loan and lease losses | $1,747,000 | 1,384 |
| Total noninterest income | $4,227,000 | 690 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,908,000 | 404 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $2,319,000 | 712 |
| Total noninterest expense | $17,747,000 | 570 |
| Salaries and employee benefits | $9,081,000 | 521 |
| Premises and equipment expense | $2,713,000 | 478 |
| Additional noninterest expense | $5,953,000 | 611 |
| Pre-tax net operating income | $6,814,000 | 413 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $2,230,000 | 373 |
| Income before extraordinary items | $4,584,000 | 473 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $4,584,000 | 473 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $4,584,000 | 474 |
| Net charge-offs | $1,686,000 | 1,280 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $545,000 | 262 |
| Net operating income | $4,584,000 | 461 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $15,443,000 | 497 |
| Total interest expense | $4,454,000 | 500 |
| Net interest income | $10,989,000 | 498 |
| Provision for loan and lease losses | $905,000 | 1,242 |
| Total noninterest income | $1,928,000 | 742 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $855,000 | 440 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,073,000 | 747 |
| Total noninterest expense | $8,840,000 | 573 |
| Salaries and employee benefits | $4,586,000 | 531 |
| Premises and equipment expense | $1,406,000 | 476 |
| Additional noninterest expense | $2,848,000 | 647 |
| Pre-tax net operating income | $3,172,000 | 423 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $1,042,000 | 372 |
| Income before extraordinary items | $2,130,000 | 521 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,130,000 | 523 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $2,130,000 | 523 |
| Net charge-offs | $980,000 | 1,055 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $550,000 | 151 |
| Net operating income | $2,130,000 | 504 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $64,927,000 | 502 |
| Total interest expense | $21,137,000 | 536 |
| Net interest income | $43,790,000 | 494 |
| Provision for loan and lease losses | $5,686,000 | 1,295 |
| Total noninterest income | $8,352,000 | 741 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $3,717,000 | 444 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $4,635,000 | 761 |
| Total noninterest expense | $33,362,000 | 628 |
| Salaries and employee benefits | $15,647,000 | 605 |
| Premises and equipment expense | $5,108,000 | 521 |
| Additional noninterest expense | $12,607,000 | 645 |
| Pre-tax net operating income | $13,094,000 | 321 |
| Securities gains (losses) | $51,000 | 2,606 |
| Applicable income taxes | $4,451,000 | 290 |
| Income before extraordinary items | $8,694,000 | 378 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $8,694,000 | 377 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $8,694,000 | 378 |
| Net charge-offs | $4,043,000 | 1,335 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $361,000 | 597 |
| Net operating income | $8,660,340 | 377 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $48,837,000 | 521 |
| Total interest expense | $16,345,000 | 551 |
| Net interest income | $32,492,000 | 501 |
| Provision for loan and lease losses | $2,452,000 | 1,683 |
| Total noninterest income | $6,177,000 | 739 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $2,713,000 | 457 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $3,464,000 | 769 |
| Total noninterest expense | $24,629,000 | 635 |
| Salaries and employee benefits | $11,501,000 | 637 |
| Premises and equipment expense | $3,766,000 | 544 |
| Additional noninterest expense | $9,362,000 | 618 |
| Pre-tax net operating income | $11,588,000 | 289 |
| Securities gains (losses) | $51,000 | 2,287 |
| Applicable income taxes | $4,042,000 | 257 |
| Income before extraordinary items | $7,597,000 | 340 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $7,597,000 | 339 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $7,597,000 | 340 |
| Net charge-offs | $2,337,000 | 1,381 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $218,000 | 567 |
| Net operating income | $7,563,850 | 336 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $32,605,000 | 539 |
| Total interest expense | $11,204,000 | 566 |
| Net interest income | $21,401,000 | 504 |
| Provision for loan and lease losses | $1,414,000 | 1,694 |
| Total noninterest income | $4,147,000 | 750 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,760,000 | 468 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $2,387,000 | 767 |
| Total noninterest expense | $16,051,000 | 667 |
| Salaries and employee benefits | $7,482,000 | 672 |
| Premises and equipment expense | $2,443,000 | 566 |
| Additional noninterest expense | $6,126,000 | 638 |
| Pre-tax net operating income | $8,083,000 | 275 |
| Securities gains (losses) | $51,000 | 1,900 |
| Applicable income taxes | $2,769,000 | 262 |
| Income before extraordinary items | $5,365,000 | 329 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,365,000 | 326 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $5,365,000 | 328 |
| Net charge-offs | $1,069,000 | 1,581 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $68,000 | 716 |
| Net operating income | $5,331,340 | 318 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $16,307,000 | 542 |
| Total interest expense | $5,665,000 | 583 |
| Net interest income | $10,642,000 | 503 |
| Provision for loan and lease losses | $392,000 | 2,018 |
| Total noninterest income | $1,876,000 | 777 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $837,000 | 482 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,039,000 | 824 |
| Total noninterest expense | $7,483,000 | 678 |
| Salaries and employee benefits | $3,593,000 | 694 |
| Premises and equipment expense | $1,206,000 | 584 |
| Additional noninterest expense | $2,684,000 | 636 |
| Pre-tax net operating income | $4,643,000 | 267 |
| Securities gains (losses) | $51,000 | 1,295 |
| Applicable income taxes | $1,586,000 | 248 |
| Income before extraordinary items | $3,108,000 | 319 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,108,000 | 320 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $3,108,000 | 321 |
| Net charge-offs | $557,000 | 1,297 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 558 |
| Net operating income | $3,074,340 | 299 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $69,324,000 | 540 |
| Total interest expense | $28,305,000 | 561 |
| Net interest income | $41,019,000 | 539 |
| Provision for loan and lease losses | $5,187,000 | 982 |
| Total noninterest income | $7,560,000 | 749 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $3,058,000 | 563 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $4,502,000 | 716 |
| Total noninterest expense | $32,718,000 | 605 |
| Salaries and employee benefits | $16,423,000 | 597 |
| Premises and equipment expense | $4,770,000 | 575 |
| Additional noninterest expense | $11,525,000 | 608 |
| Pre-tax net operating income | $10,674,000 | 499 |
| Securities gains (losses) | $217,000 | 682 |
| Applicable income taxes | $3,752,000 | 396 |
| Income before extraordinary items | $7,139,000 | 548 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $7,139,000 | 548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,355,000 | 1,164 |
| Cash dividends | $1,750,000 | 1,515 |
| Sale, conversion, retirement of capital stock, net | $222,000 | 751 |
| Net operating income | $6,995,780 | 602 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $52,240,000 | 559 |
| Total interest expense | $22,080,000 | 568 |
| Net interest income | $30,160,000 | 561 |
| Provision for loan and lease losses | $1,903,000 | 1,224 |
| Total noninterest income | $5,571,000 | 796 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $2,071,000 | 636 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $3,500,000 | 740 |
| Total noninterest expense | $24,553,000 | 596 |
| Salaries and employee benefits | $12,431,000 | 599 |
| Premises and equipment expense | $3,497,000 | 594 |
| Additional noninterest expense | $8,625,000 | 565 |
| Pre-tax net operating income | $9,275,000 | 540 |
| Securities gains (losses) | $212,000 | 593 |
| Applicable income taxes | $3,252,000 | 427 |
| Income before extraordinary items | $6,235,000 | 583 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $6,235,000 | 582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 3,004 |
| Cash dividends | $1,000,000 | 1,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $6,095,080 | 631 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $34,874,000 | 563 |
| Total interest expense | $14,929,000 | 573 |
| Net interest income | $19,945,000 | 563 |
| Provision for loan and lease losses | $1,144,000 | 1,135 |
| Total noninterest income | $3,567,000 | 830 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,194,000 | 724 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,373,000 | 748 |
| Total noninterest expense | $16,286,000 | 599 |
| Salaries and employee benefits | $8,409,000 | 590 |
| Premises and equipment expense | $2,306,000 | 597 |
| Additional noninterest expense | $5,571,000 | 563 |
| Pre-tax net operating income | $6,082,000 | 571 |
| Securities gains (losses) | $195,000 | 628 |
| Applicable income taxes | $2,188,000 | 486 |
| Income before extraordinary items | $4,089,000 | 676 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,089,000 | 675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,949 |
| Cash dividends | $500,000 | 2,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $3,962,250 | 678 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $17,818,000 | 568 |
| Total interest expense | $7,825,000 | 593 |
| Net interest income | $9,993,000 | 559 |
| Provision for loan and lease losses | $638,000 | 864 |
| Total noninterest income | $1,648,000 | 890 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $548,000 | 783 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,100,000 | 799 |
| Total noninterest expense | $8,020,000 | 602 |
| Salaries and employee benefits | $4,352,000 | 579 |
| Premises and equipment expense | $1,137,000 | 613 |
| Additional noninterest expense | $2,531,000 | 581 |
| Pre-tax net operating income | $2,983,000 | 655 |
| Securities gains (losses) | $155,000 | 530 |
| Applicable income taxes | $1,118,000 | 533 |
| Income before extraordinary items | $2,020,000 | 750 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,020,000 | 751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,235 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,920,800 | 754 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $68,545,000 | 620 |
| Total interest expense | $32,513,000 | 620 |
| Net interest income | $36,032,000 | 613 |
| Provision for loan and lease losses | $3,312,000 | 588 |
| Total noninterest income | $6,237,000 | 917 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,174,000 | 820 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $4,063,000 | 809 |
| Total noninterest expense | $29,256,000 | 635 |
| Salaries and employee benefits | $14,653,000 | 657 |
| Premises and equipment expense | $2,193,000 | 1,203 |
| Additional noninterest expense | $12,410,000 | 493 |
| Pre-tax net operating income | $9,701,000 | 877 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $3,497,000 | 716 |
| Income before extraordinary items | $6,204,000 | 1,049 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,204,000 | 1,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 8,241 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $6,204,000 | 1,029 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $50,259,000 | 626 |
| Total interest expense | $23,693,000 | 630 |
| Net interest income | $26,566,000 | 626 |
| Provision for loan and lease losses | $1,332,000 | 704 |
| Total noninterest income | $4,375,000 | 970 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,535,000 | 860 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,840,000 | 862 |
| Total noninterest expense | $21,108,000 | 655 |
| Salaries and employee benefits | $10,410,000 | 696 |
| Premises and equipment expense | $2,929,000 | 678 |
| Additional noninterest expense | $7,769,000 | 547 |
| Pre-tax net operating income | $8,501,000 | 812 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $3,155,000 | 673 |
| Income before extraordinary items | $5,346,000 | 975 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $5,346,000 | 973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 8,220 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $5,346,000 | 964 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $32,389,000 | 657 |
| Total interest expense | $14,970,000 | 666 |
| Net interest income | $17,419,000 | 657 |
| Provision for loan and lease losses | $873,000 | 651 |
| Total noninterest income | $2,660,000 | 1,066 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $938,000 | 950 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,722,000 | 959 |
| Total noninterest expense | $13,632,000 | 691 |
| Salaries and employee benefits | $6,696,000 | 745 |
| Premises and equipment expense | $1,875,000 | 731 |
| Additional noninterest expense | $5,061,000 | 575 |
| Pre-tax net operating income | $5,574,000 | 870 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $2,124,000 | 698 |
| Income before extraordinary items | $3,450,000 | 1,044 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,450,000 | 1,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 8,296 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $3,450,000 | 1,028 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $15,810,000 | 660 |
| Total interest expense | $7,272,000 | 678 |
| Net interest income | $8,538,000 | 655 |
| Provision for loan and lease losses | $500,000 | 524 |
| Total noninterest income | $1,119,000 | 1,199 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $368,000 | 1,165 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $751,000 | 1,030 |
| Total noninterest expense | $6,515,000 | 722 |
| Salaries and employee benefits | $3,179,000 | 799 |
| Premises and equipment expense | $872,000 | 780 |
| Additional noninterest expense | $2,464,000 | 577 |
| Pre-tax net operating income | $2,642,000 | 893 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,052,000 | 704 |
| Income before extraordinary items | $1,590,000 | 1,108 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,590,000 | 1,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,590,000 | 1,091 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $43,319,000 | 900 |
| Total interest expense | $19,139,000 | 872 |
| Net interest income | $24,180,000 | 914 |
| Provision for loan and lease losses | $1,527,000 | 701 |
| Total noninterest income | $3,458,000 | 1,440 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $984,000 | 1,776 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,474,000 | 1,144 |
| Total noninterest expense | $18,022,000 | 997 |
| Salaries and employee benefits | $8,697,000 | 1,111 |
| Premises and equipment expense | $3,074,000 | 815 |
| Additional noninterest expense | $6,251,000 | 856 |
| Pre-tax net operating income | $8,089,000 | 1,215 |
| Securities gains (losses) | $-40,000 | 7,853 |
| Applicable income taxes | $3,032,000 | 935 |
| Income before extraordinary items | $5,017,000 | 1,455 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,017,000 | 1,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,152,000 | 608 |
| Cash dividends | $2,100,000 | 1,457 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,042,600 | 1,429 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $31,246,000 | 939 |
| Total interest expense | $13,532,000 | 899 |
| Net interest income | $17,714,000 | 961 |
| Provision for loan and lease losses | $1,106,000 | 691 |
| Total noninterest income | $2,555,000 | 1,471 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $740,000 | 1,778 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,815,000 | 1,181 |
| Total noninterest expense | $13,599,000 | 994 |
| Salaries and employee benefits | $6,858,000 | 1,068 |
| Premises and equipment expense | $1,900,000 | 1,000 |
| Additional noninterest expense | $4,841,000 | 836 |
| Pre-tax net operating income | $5,564,000 | 1,371 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,082,000 | 1,065 |
| Income before extraordinary items | $3,482,000 | 1,587 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,482,000 | 1,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,412 |
| Cash dividends | $500,000 | 2,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,482,000 | 1,570 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $19,707,000 | 970 |
| Total interest expense | $8,362,000 | 926 |
| Net interest income | $11,345,000 | 999 |
| Provision for loan and lease losses | $1,059,000 | 483 |
| Total noninterest income | $1,648,000 | 1,509 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $487,000 | 1,777 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,161,000 | 1,224 |
| Total noninterest expense | $8,317,000 | 1,087 |
| Salaries and employee benefits | $4,247,000 | 1,165 |
| Premises and equipment expense | $1,210,000 | 1,052 |
| Additional noninterest expense | $2,860,000 | 936 |
| Pre-tax net operating income | $3,617,000 | 1,403 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,352,000 | 1,091 |
| Income before extraordinary items | $2,265,000 | 1,613 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,265,000 | 1,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $500,000 | 2,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,265,000 | 1,604 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $9,296,000 | 1,006 |
| Total interest expense | $3,860,000 | 942 |
| Net interest income | $5,436,000 | 1,045 |
| Provision for loan and lease losses | $345,000 | 697 |
| Total noninterest income | $765,000 | 1,570 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $229,000 | 1,831 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $536,000 | 1,275 |
| Total noninterest expense | $4,206,000 | 1,078 |
| Salaries and employee benefits | $2,082,000 | 1,192 |
| Premises and equipment expense | $730,000 | 876 |
| Additional noninterest expense | $1,394,000 | 957 |
| Pre-tax net operating income | $1,650,000 | 1,502 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $612,000 | 1,176 |
| Income before extraordinary items | $1,038,000 | 1,727 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,038,000 | 1,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,292 |
| Cash dividends | $500,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,038,000 | 1,711 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $29,519,000 | 1,116 |
| Total interest expense | $10,723,000 | 1,043 |
| Net interest income | $18,796,000 | 1,144 |
| Provision for loan and lease losses | $671,000 | 1,488 |
| Total noninterest income | $3,136,000 | 1,545 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $903,000 | 1,901 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,233,000 | 1,254 |
| Total noninterest expense | $14,132,000 | 1,228 |
| Salaries and employee benefits | $6,247,000 | 1,504 |
| Premises and equipment expense | $2,595,000 | 926 |
| Additional noninterest expense | $5,290,000 | 993 |
| Pre-tax net operating income | $7,129,000 | 1,342 |
| Securities gains (losses) | $-247,000 | 8,616 |
| Applicable income taxes | $2,562,000 | 1,102 |
| Income before extraordinary items | $4,320,000 | 1,630 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,320,000 | 1,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 2,651 |
| Cash dividends | $500,000 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $96,000 | 727 |
| Net operating income | $4,478,080 | 1,543 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $20,743,000 | 1,166 |
| Total interest expense | $7,278,000 | 1,095 |
| Net interest income | $13,465,000 | 1,183 |
| Provision for loan and lease losses | $1,001,000 | 758 |
| Total noninterest income | $2,225,000 | 1,626 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $665,000 | 1,931 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,560,000 | 1,321 |
| Total noninterest expense | $9,619,000 | 1,331 |
| Salaries and employee benefits | $4,781,000 | 1,451 |
| Premises and equipment expense | $1,877,000 | 950 |
| Additional noninterest expense | $2,961,000 | 1,288 |
| Pre-tax net operating income | $5,070,000 | 1,412 |
| Securities gains (losses) | $-79,000 | 8,588 |
| Applicable income taxes | $1,864,000 | 1,143 |
| Income before extraordinary items | $3,127,000 | 1,687 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,127,000 | 1,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 2,181 |
| Cash dividends | $500,000 | 2,773 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 692 |
| Net operating income | $3,177,560 | 1,616 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $13,203,000 | 1,187 |
| Total interest expense | $4,476,000 | 1,108 |
| Net interest income | $8,727,000 | 1,209 |
| Provision for loan and lease losses | $884,000 | 590 |
| Total noninterest income | $1,389,000 | 1,701 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $438,000 | 1,921 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $951,000 | 1,399 |
| Total noninterest expense | $6,070,000 | 1,402 |
| Salaries and employee benefits | $3,025,000 | 1,532 |
| Premises and equipment expense | $1,076,000 | 1,115 |
| Additional noninterest expense | $1,969,000 | 1,270 |
| Pre-tax net operating income | $3,162,000 | 1,482 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,184,000 | 1,189 |
| Income before extraordinary items | $1,978,000 | 1,732 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,978,000 | 1,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 1,780 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 567 |
| Net operating income | $1,978,000 | 1,705 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,240,000 | 1,228 |
| Total interest expense | $2,060,000 | 1,148 |
| Net interest income | $4,180,000 | 1,271 |
| Provision for loan and lease losses | $437,000 | 543 |
| Total noninterest income | $639,000 | 1,785 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $193,000 | 2,068 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $446,000 | 1,439 |
| Total noninterest expense | $2,937,000 | 1,444 |
| Salaries and employee benefits | $1,471,000 | 1,573 |
| Premises and equipment expense | $537,000 | 1,114 |
| Additional noninterest expense | $929,000 | 1,335 |
| Pre-tax net operating income | $1,445,000 | 1,570 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $538,000 | 1,262 |
| Income before extraordinary items | $907,000 | 1,865 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $907,000 | 1,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,609 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $907,000 | 1,823 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $20,009,000 | 1,437 |
| Total interest expense | $6,725,000 | 1,220 |
| Net interest income | $13,284,000 | 1,525 |
| Provision for loan and lease losses | $2,160,000 | 501 |
| Total noninterest income | $2,497,000 | 1,868 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $865,000 | 1,990 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,632,000 | 1,535 |
| Total noninterest expense | $10,347,000 | 1,578 |
| Salaries and employee benefits | $4,759,000 | 1,845 |
| Premises and equipment expense | $2,044,000 | 1,126 |
| Additional noninterest expense | $3,544,000 | 1,401 |
| Pre-tax net operating income | $3,274,000 | 2,403 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,193,000 | 1,910 |
| Income before extraordinary items | $2,081,000 | 2,815 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,081,000 | 2,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 2,418 |
| Cash dividends | $550,000 | 3,369 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 8,857 |
| Net operating income | $2,081,000 | 2,753 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $14,126,000 | 1,520 |
| Total interest expense | $4,836,000 | 1,246 |
| Net interest income | $9,290,000 | 1,635 |
| Provision for loan and lease losses | $1,563,000 | 509 |
| Total noninterest income | $1,800,000 | 1,937 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $639,000 | 2,042 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,161,000 | 1,594 |
| Total noninterest expense | $7,470,000 | 1,627 |
| Salaries and employee benefits | $3,467,000 | 1,886 |
| Premises and equipment expense | $1,528,000 | 1,125 |
| Additional noninterest expense | $2,475,000 | 1,480 |
| Pre-tax net operating income | $2,057,000 | 2,811 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $734,000 | 2,238 |
| Income before extraordinary items | $1,323,000 | 3,304 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,323,000 | 3,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 1,869 |
| Cash dividends | $50,000 | 4,981 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,323,000 | 3,220 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,936,000 | 1,584 |
| Total interest expense | $3,104,000 | 1,272 |
| Net interest income | $5,832,000 | 1,716 |
| Provision for loan and lease losses | $928,000 | 552 |
| Total noninterest income | $1,172,000 | 1,959 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $414,000 | 2,090 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $758,000 | 1,613 |
| Total noninterest expense | $4,890,000 | 1,655 |
| Salaries and employee benefits | $2,264,000 | 1,918 |
| Premises and equipment expense | $1,046,000 | 1,107 |
| Additional noninterest expense | $1,580,000 | 1,532 |
| Pre-tax net operating income | $1,186,000 | 3,132 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $422,000 | 2,470 |
| Income before extraordinary items | $764,000 | 3,639 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $764,000 | 3,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 1,572 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $764,000 | 3,545 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,309,000 | 1,637 |
| Total interest expense | $1,522,000 | 1,316 |
| Net interest income | $2,787,000 | 1,786 |
| Provision for loan and lease losses | $365,000 | 690 |
| Total noninterest income | $507,000 | 2,136 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $189,000 | 2,194 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $318,000 | 1,813 |
| Total noninterest expense | $2,370,000 | 1,713 |
| Salaries and employee benefits | $1,161,000 | 1,891 |
| Premises and equipment expense | $471,000 | 1,235 |
| Additional noninterest expense | $738,000 | 1,615 |
| Pre-tax net operating income | $559,000 | 3,254 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $199,000 | 2,588 |
| Income before extraordinary items | $360,000 | 3,779 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $360,000 | 3,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 1,032 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $360,000 | 3,664 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,628,000 | 1,943 |
| Total interest expense | $5,304,000 | 1,696 |
| Net interest income | $9,324,000 | 2,096 |
| Provision for loan and lease losses | $2,099,000 | 622 |
| Total noninterest income | $2,786,000 | 1,787 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $654,000 | 2,513 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,132,000 | 1,408 |
| Total noninterest expense | $8,156,000 | 1,952 |
| Salaries and employee benefits | $3,908,000 | 2,172 |
| Premises and equipment expense | $1,597,000 | 1,420 |
| Additional noninterest expense | $2,651,000 | 1,819 |
| Pre-tax net operating income | $1,855,000 | 3,559 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-104,000 | 8,954 |
| Income before extraordinary items | $1,959,000 | 2,910 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,959,000 | 2,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,233 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,959,000 | 2,782 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,496,000 | 2,063 |
| Total interest expense | $3,894,000 | 1,792 |
| Net interest income | $6,602,000 | 2,208 |
| Provision for loan and lease losses | $1,476,000 | 662 |
| Total noninterest income | $2,154,000 | 1,800 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $468,000 | 2,625 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,686,000 | 1,412 |
| Total noninterest expense | $5,937,000 | 2,009 |
| Salaries and employee benefits | $2,952,000 | 2,167 |
| Premises and equipment expense | $1,143,000 | 1,501 |
| Additional noninterest expense | $1,842,000 | 1,941 |
| Pre-tax net operating income | $1,343,000 | 3,773 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $1,343,000 | 3,211 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,343,000 | 3,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,699 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,343,000 | 3,062 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,722,000 | 2,158 |
| Total interest expense | $2,565,000 | 1,879 |
| Net interest income | $4,157,000 | 2,334 |
| Provision for loan and lease losses | $847,000 | 736 |
| Total noninterest income | $1,359,000 | 1,852 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $292,000 | 2,714 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,067,000 | 1,450 |
| Total noninterest expense | $3,810,000 | 2,071 |
| Salaries and employee benefits | $1,920,000 | 2,207 |
| Premises and equipment expense | $742,000 | 1,539 |
| Additional noninterest expense | $1,148,000 | 2,083 |
| Pre-tax net operating income | $859,000 | 3,879 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $859,000 | 3,326 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $859,000 | 3,326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $859,000 | 3,151 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,233,000 | 2,280 |
| Total interest expense | $1,221,000 | 2,018 |
| Net interest income | $2,012,000 | 2,412 |
| Provision for loan and lease losses | $345,000 | 829 |
| Total noninterest income | $540,000 | 2,168 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $144,000 | 2,659 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $396,000 | 1,750 |
| Total noninterest expense | $1,797,000 | 2,182 |
| Salaries and employee benefits | $912,000 | 2,301 |
| Premises and equipment expense | $371,000 | 1,546 |
| Additional noninterest expense | $514,000 | 2,281 |
| Pre-tax net operating income | $410,000 | 3,976 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $410,000 | 3,398 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $410,000 | 3,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $410,000 | 3,235 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,557,000 | 2,878 |
| Total interest expense | $4,312,000 | 2,576 |
| Net interest income | $6,245,000 | 3,041 |
| Provision for loan and lease losses | $967,000 | 1,396 |
| Total noninterest income | $1,539,000 | 2,571 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $420,000 | 3,412 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,119,000 | 2,029 |
| Total noninterest expense | $5,892,000 | 2,503 |
| Salaries and employee benefits | $2,715,000 | 2,892 |
| Premises and equipment expense | $1,218,000 | 1,824 |
| Additional noninterest expense | $1,959,000 | 2,347 |
| Pre-tax net operating income | $925,000 | 5,400 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $925,000 | 4,804 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $925,000 | 4,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,433 |
| Cash dividends | $130,000 | 5,339 |
| Sale, conversion, retirement of capital stock, net | $10,731,000 | 51 |
| Net operating income | $925,000 | 4,677 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,005,000 | 4,438 |
| Total interest expense | $3,662,000 | 4,072 |
| Net interest income | $3,343,000 | 4,704 |
| Provision for loan and lease losses | $793,000 | 1,516 |
| Total noninterest income | $866,000 | 3,658 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $181,000 | 5,377 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $685,000 | 2,610 |
| Total noninterest expense | $4,312,000 | 3,203 |
| Salaries and employee benefits | $2,037,000 | 3,544 |
| Premises and equipment expense | $915,000 | 2,326 |
| Additional noninterest expense | $1,360,000 | 3,138 |
| Pre-tax net operating income | $-896,000 | 9,325 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-896,000 | 9,394 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-896,000 | 9,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,439 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $5,005,000 | 182 |
| Net operating income | $-896,000 | 9,359 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,187,000 | 7,219 |
| Total interest expense | $1,766,000 | 6,669 |
| Net interest income | $1,421,000 | 7,606 |
| Provision for loan and lease losses | $636,000 | 1,533 |
| Total noninterest income | $114,000 | 8,392 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 7,905 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 7,011 |
| Total noninterest expense | $2,385,000 | 5,025 |
| Salaries and employee benefits | $1,082,000 | 5,622 |
| Premises and equipment expense | $515,000 | 3,708 |
| Additional noninterest expense | $788,000 | 4,793 |
| Pre-tax net operating income | $-1,486,000 | 9,786 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-1,486,000 | 9,793 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-1,486,000 | 9,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $11,535,000 | 47 |
| Net operating income | $-1,486,000 | 9,794 |
* 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.