Home > Central Bank of Georgia > Income and Expense
Central Bank of Georgia, Income and Expense
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $11,339,000 | 2,472 |
| Total interest expense | $3,146,000 | 1,875 |
| Net interest income | $8,193,000 | 2,672 |
| Provision for loan and lease losses | $11,374,000 | 377 |
| Total noninterest income | $-174,000 | 7,109 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $993,000 | 1,488 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-1,167,000 | 7,216 |
| Total noninterest expense | $9,794,000 | 1,945 |
| Salaries and employee benefits | $3,328,000 | 2,875 |
| Premises and equipment expense | $992,000 | 2,423 |
| Additional noninterest expense | $5,474,000 | 1,266 |
| Pre-tax net operating income | $-13,149,000 | 7,257 |
| Securities gains (losses) | $55,000 | 2,526 |
| Applicable income taxes | $321,000 | 2,471 |
| Income before extraordinary items | $-13,415,000 | 7,253 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-13,415,000 | 7,253 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-13,415,000 | 7,253 |
| Net charge-offs | $4,790,000 | 830 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-13,470,000 | 7,247 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $8,559,000 | 2,475 |
| Total interest expense | $2,375,000 | 1,937 |
| Net interest income | $6,184,000 | 2,658 |
| Provision for loan and lease losses | $11,374,000 | 289 |
| Total noninterest income | $346,000 | 4,569 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $752,000 | 1,482 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-406,000 | 7,209 |
| Total noninterest expense | $7,072,000 | 2,039 |
| Salaries and employee benefits | $2,533,000 | 2,826 |
| Premises and equipment expense | $764,000 | 2,397 |
| Additional noninterest expense | $3,775,000 | 1,369 |
| Pre-tax net operating income | $-11,916,000 | 7,358 |
| Securities gains (losses) | $4,000 | 3,259 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-11,912,000 | 7,355 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-11,912,000 | 7,355 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-11,912,000 | 7,355 |
| Net charge-offs | $4,560,000 | 678 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-11,916,000 | 7,351 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,776,000 | 2,460 |
| Total interest expense | $1,597,000 | 1,986 |
| Net interest income | $4,179,000 | 2,641 |
| Provision for loan and lease losses | $5,224,000 | 416 |
| Total noninterest income | $-5,000 | 7,207 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $493,000 | 1,486 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-498,000 | 7,374 |
| Total noninterest expense | $4,550,000 | 2,123 |
| Salaries and employee benefits | $1,689,000 | 2,845 |
| Premises and equipment expense | $505,000 | 2,424 |
| Additional noninterest expense | $2,356,000 | 1,480 |
| Pre-tax net operating income | $-5,600,000 | 7,383 |
| Securities gains (losses) | $4,000 | 2,586 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-5,596,000 | 7,388 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-5,596,000 | 7,387 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-5,596,000 | 7,388 |
| Net charge-offs | $2,986,000 | 691 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-5,600,000 | 7,387 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,773,000 | 2,578 |
| Total interest expense | $817,000 | 2,016 |
| Net interest income | $1,956,000 | 2,782 |
| Provision for loan and lease losses | $5,224,000 | 230 |
| Total noninterest income | $-324,000 | 7,494 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $242,000 | 1,477 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-566,000 | 7,516 |
| Total noninterest expense | $2,165,000 | 2,223 |
| Salaries and employee benefits | $852,000 | 2,845 |
| Premises and equipment expense | $257,000 | 2,433 |
| Additional noninterest expense | $1,056,000 | 1,638 |
| Pre-tax net operating income | $-5,757,000 | 7,509 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-5,757,000 | 7,506 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-5,757,000 | 7,506 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-5,757,000 | 7,506 |
| Net charge-offs | $2,926,000 | 412 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-5,757,000 | 7,507 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $13,173,000 | 2,284 |
| Total interest expense | $5,119,000 | 1,627 |
| Net interest income | $8,054,000 | 2,709 |
| Provision for loan and lease losses | $1,150,000 | 2,843 |
| Total noninterest income | $149,000 | 6,292 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,068,000 | 1,423 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-919,000 | 7,480 |
| Total noninterest expense | $10,706,000 | 1,838 |
| Salaries and employee benefits | $3,825,000 | 2,510 |
| Premises and equipment expense | $1,082,000 | 2,312 |
| Additional noninterest expense | $5,799,000 | 1,274 |
| Pre-tax net operating income | $-3,653,000 | 7,001 |
| Securities gains (losses) | $161,000 | 1,774 |
| Applicable income taxes | $1,125,000 | 1,126 |
| Income before extraordinary items | $-4,617,000 | 7,148 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,617,000 | 7,148 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-4,617,000 | 7,148 |
| Net charge-offs | $1,569,000 | 2,128 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-4,778,000 | 7,138 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $10,156,000 | 2,273 |
| Total interest expense | $4,061,000 | 1,603 |
| Net interest income | $6,095,000 | 2,710 |
| Provision for loan and lease losses | $150,000 | 5,242 |
| Total noninterest income | $470,000 | 4,188 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $785,000 | 1,499 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-315,000 | 7,514 |
| Total noninterest expense | $7,909,000 | 1,854 |
| Salaries and employee benefits | $2,876,000 | 2,520 |
| Premises and equipment expense | $810,000 | 2,367 |
| Additional noninterest expense | $4,223,000 | 1,277 |
| Pre-tax net operating income | $-1,494,000 | 6,957 |
| Securities gains (losses) | $161,000 | 1,540 |
| Applicable income taxes | $-154,000 | 7,148 |
| Income before extraordinary items | $-1,179,000 | 6,957 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,179,000 | 6,956 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-1,179,000 | 6,957 |
| Net charge-offs | $1,246,000 | 1,959 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-1,320,680 | 6,960 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,011,000 | 2,232 |
| Total interest expense | $2,806,000 | 1,613 |
| Net interest income | $4,205,000 | 2,637 |
| Provision for loan and lease losses | $150,000 | 4,587 |
| Total noninterest income | $655,000 | 2,704 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $514,000 | 1,530 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $141,000 | 4,077 |
| Total noninterest expense | $5,287,000 | 1,856 |
| Salaries and employee benefits | $1,870,000 | 2,586 |
| Premises and equipment expense | $527,000 | 2,420 |
| Additional noninterest expense | $2,890,000 | 1,235 |
| Pre-tax net operating income | $-577,000 | 6,799 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-196,000 | 7,323 |
| Income before extraordinary items | $-381,000 | 6,767 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-381,000 | 6,769 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-381,000 | 6,768 |
| Net charge-offs | $1,003,000 | 1,720 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-381,000 | 6,727 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,583,000 | 2,239 |
| Total interest expense | $1,387,000 | 1,699 |
| Net interest income | $2,196,000 | 2,553 |
| Provision for loan and lease losses | $150,000 | 3,336 |
| Total noninterest income | $357,000 | 2,558 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $245,000 | 1,591 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $112,000 | 3,298 |
| Total noninterest expense | $2,594,000 | 1,911 |
| Salaries and employee benefits | $932,000 | 2,630 |
| Premises and equipment expense | $254,000 | 2,562 |
| Additional noninterest expense | $1,408,000 | 1,255 |
| Pre-tax net operating income | $-191,000 | 6,822 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-72,000 | 7,397 |
| Income before extraordinary items | $-119,000 | 6,795 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-119,000 | 6,796 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-119,000 | 6,795 |
| Net charge-offs | $123,000 | 2,927 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-119,000 | 6,746 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $17,356,000 | 1,949 |
| Total interest expense | $7,262,000 | 1,634 |
| Net interest income | $10,094,000 | 2,166 |
| Provision for loan and lease losses | $9,370,000 | 923 |
| Total noninterest income | $1,049,000 | 3,242 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,131,000 | 1,503 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-82,000 | 7,577 |
| Total noninterest expense | $10,596,000 | 1,915 |
| Salaries and employee benefits | $3,997,000 | 2,447 |
| Premises and equipment expense | $1,189,000 | 2,237 |
| Additional noninterest expense | $5,410,000 | 1,376 |
| Pre-tax net operating income | $-8,823,000 | 7,438 |
| Securities gains (losses) | $601,000 | 771 |
| Applicable income taxes | $-2,346,000 | 7,557 |
| Income before extraordinary items | $-5,876,000 | 7,347 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-5,876,000 | 7,346 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-5,876,000 | 7,346 |
| Net charge-offs | $7,367,000 | 855 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-6,302,710 | 7,385 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $13,940,000 | 1,864 |
| Total interest expense | $5,774,000 | 1,605 |
| Net interest income | $8,166,000 | 2,014 |
| Provision for loan and lease losses | $911,000 | 2,916 |
| Total noninterest income | $1,092,000 | 2,666 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $848,000 | 1,513 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $244,000 | 3,950 |
| Total noninterest expense | $7,237,000 | 2,081 |
| Salaries and employee benefits | $3,114,000 | 2,389 |
| Premises and equipment expense | $968,000 | 2,093 |
| Additional noninterest expense | $3,155,000 | 1,705 |
| Pre-tax net operating income | $1,110,000 | 2,556 |
| Securities gains (losses) | $548,000 | 651 |
| Applicable income taxes | $542,000 | 1,330 |
| Income before extraordinary items | $1,116,000 | 2,287 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,116,000 | 2,284 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,116,000 | 2,287 |
| Net charge-offs | $1,065,000 | 2,140 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $748,840 | 2,916 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $9,778,000 | 1,800 |
| Total interest expense | $4,065,000 | 1,605 |
| Net interest income | $5,713,000 | 1,921 |
| Provision for loan and lease losses | $661,000 | 2,566 |
| Total noninterest income | $789,000 | 2,542 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $553,000 | 1,515 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $236,000 | 3,393 |
| Total noninterest expense | $4,523,000 | 2,222 |
| Salaries and employee benefits | $1,995,000 | 2,521 |
| Premises and equipment expense | $655,000 | 2,092 |
| Additional noninterest expense | $1,873,000 | 1,910 |
| Pre-tax net operating income | $1,318,000 | 1,697 |
| Securities gains (losses) | $359,000 | 656 |
| Applicable income taxes | $533,000 | 1,032 |
| Income before extraordinary items | $1,144,000 | 1,629 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,144,000 | 1,626 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,144,000 | 1,628 |
| Net charge-offs | $359,000 | 2,728 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $899,880 | 1,962 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,031,000 | 1,776 |
| Total interest expense | $2,080,000 | 1,627 |
| Net interest income | $2,951,000 | 1,871 |
| Provision for loan and lease losses | $631,000 | 1,548 |
| Total noninterest income | $365,000 | 2,665 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $256,000 | 1,582 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $109,000 | 3,517 |
| Total noninterest expense | $2,229,000 | 2,200 |
| Salaries and employee benefits | $1,068,000 | 2,390 |
| Premises and equipment expense | $309,000 | 2,245 |
| Additional noninterest expense | $852,000 | 1,889 |
| Pre-tax net operating income | $456,000 | 2,544 |
| Securities gains (losses) | $123,000 | 896 |
| Applicable income taxes | $187,000 | 1,530 |
| Income before extraordinary items | $392,000 | 2,613 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $392,000 | 2,612 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $392,000 | 2,614 |
| Net charge-offs | $45,000 | 3,676 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $308,360 | 2,932 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $22,063,000 | 1,747 |
| Total interest expense | $10,514,000 | 1,542 |
| Net interest income | $11,549,000 | 1,927 |
| Provision for loan and lease losses | $3,818,000 | 1,196 |
| Total noninterest income | $1,306,000 | 2,888 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $911,000 | 1,900 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $395,000 | 3,614 |
| Total noninterest expense | $10,438,000 | 1,853 |
| Salaries and employee benefits | $4,534,000 | 2,239 |
| Premises and equipment expense | $1,141,000 | 2,350 |
| Additional noninterest expense | $4,763,000 | 1,327 |
| Pre-tax net operating income | $-1,401,000 | 7,176 |
| Securities gains (losses) | $128,000 | 957 |
| Applicable income taxes | $-442,000 | 7,452 |
| Income before extraordinary items | $-831,000 | 6,915 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-831,000 | 6,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,327,000 | 931 |
| Cash dividends | $1,957,000 | 1,391 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-914,200 | 7,071 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $17,122,000 | 1,731 |
| Total interest expense | $8,173,000 | 1,548 |
| Net interest income | $8,949,000 | 1,896 |
| Provision for loan and lease losses | $270,000 | 3,724 |
| Total noninterest income | $1,097,000 | 2,736 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $633,000 | 2,034 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $464,000 | 2,932 |
| Total noninterest expense | $6,231,000 | 2,299 |
| Salaries and employee benefits | $3,334,000 | 2,308 |
| Premises and equipment expense | $841,000 | 2,385 |
| Additional noninterest expense | $2,056,000 | 2,113 |
| Pre-tax net operating income | $3,545,000 | 1,390 |
| Securities gains (losses) | $84,000 | 1,074 |
| Applicable income taxes | $1,258,000 | 965 |
| Income before extraordinary items | $2,371,000 | 1,531 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,371,000 | 1,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,182 |
| Cash dividends | $1,307,000 | 1,479 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,316,400 | 1,648 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $11,364,000 | 1,765 |
| Total interest expense | $5,563,000 | 1,576 |
| Net interest income | $5,801,000 | 1,934 |
| Provision for loan and lease losses | $270,000 | 2,708 |
| Total noninterest income | $691,000 | 2,867 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $371,000 | 2,254 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $320,000 | 2,918 |
| Total noninterest expense | $4,082,000 | 2,334 |
| Salaries and employee benefits | $2,193,000 | 2,359 |
| Premises and equipment expense | $538,000 | 2,479 |
| Additional noninterest expense | $1,351,000 | 2,101 |
| Pre-tax net operating income | $2,140,000 | 1,593 |
| Securities gains (losses) | $84,000 | 1,092 |
| Applicable income taxes | $766,000 | 1,159 |
| Income before extraordinary items | $1,458,000 | 1,846 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,458,000 | 1,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 3,894 |
| Cash dividends | $625,000 | 1,994 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,402,560 | 1,880 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,771,000 | 1,776 |
| Total interest expense | $2,870,000 | 1,635 |
| Net interest income | $2,901,000 | 1,920 |
| Provision for loan and lease losses | $155,000 | 2,087 |
| Total noninterest income | $341,000 | 2,871 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $182,000 | 2,250 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $159,000 | 2,942 |
| Total noninterest expense | $2,017,000 | 2,350 |
| Salaries and employee benefits | $1,076,000 | 2,419 |
| Premises and equipment expense | $258,000 | 2,601 |
| Additional noninterest expense | $683,000 | 2,053 |
| Pre-tax net operating income | $1,070,000 | 1,679 |
| Securities gains (losses) | $79,000 | 837 |
| Applicable income taxes | $396,000 | 1,205 |
| Income before extraordinary items | $753,000 | 1,907 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $753,000 | 1,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,138 |
| Cash dividends | $427,000 | 1,523 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $700,860 | 1,970 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $22,604,000 | 1,872 |
| Total interest expense | $12,141,000 | 1,645 |
| Net interest income | $10,463,000 | 2,167 |
| Provision for loan and lease losses | $562,000 | 2,158 |
| Total noninterest income | $1,212,000 | 3,127 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $683,000 | 2,415 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $529,000 | 3,204 |
| Total noninterest expense | $6,852,000 | 2,644 |
| Salaries and employee benefits | $3,702,000 | 2,671 |
| Premises and equipment expense | $954,000 | 2,670 |
| Additional noninterest expense | $2,196,000 | 2,453 |
| Pre-tax net operating income | $4,261,000 | 1,876 |
| Securities gains (losses) | $-1,000 | 7,069 |
| Applicable income taxes | $1,396,000 | 1,485 |
| Income before extraordinary items | $2,864,000 | 2,111 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,864,000 | 2,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,413 |
| Cash dividends | $864,000 | 2,869 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,864,670 | 2,098 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $16,725,000 | 1,897 |
| Total interest expense | $9,097,000 | 1,646 |
| Net interest income | $7,628,000 | 2,226 |
| Provision for loan and lease losses | $331,000 | 2,164 |
| Total noninterest income | $908,000 | 3,120 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $484,000 | 2,503 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $424,000 | 3,100 |
| Total noninterest expense | $4,955,000 | 2,700 |
| Salaries and employee benefits | $2,635,000 | 2,777 |
| Premises and equipment expense | $717,000 | 2,657 |
| Additional noninterest expense | $1,603,000 | 2,463 |
| Pre-tax net operating income | $3,250,000 | 1,971 |
| Securities gains (losses) | $-2,000 | 7,433 |
| Applicable income taxes | $1,123,000 | 1,512 |
| Income before extraordinary items | $2,125,000 | 2,269 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,125,000 | 2,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,931 |
| Cash dividends | $503,000 | 2,905 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,126,300 | 2,249 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,883,000 | 1,959 |
| Total interest expense | $6,012,000 | 1,665 |
| Net interest income | $4,871,000 | 2,330 |
| Provision for loan and lease losses | $227,000 | 1,974 |
| Total noninterest income | $574,000 | 3,257 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $297,000 | 2,679 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $277,000 | 3,155 |
| Total noninterest expense | $3,084,000 | 2,903 |
| Salaries and employee benefits | $1,643,000 | 3,001 |
| Premises and equipment expense | $468,000 | 2,721 |
| Additional noninterest expense | $973,000 | 2,694 |
| Pre-tax net operating income | $2,134,000 | 2,047 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $733,000 | 1,596 |
| Income before extraordinary items | $1,401,000 | 2,330 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,401,000 | 2,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,485 |
| Cash dividends | $338,000 | 2,984 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,401,000 | 2,313 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,279,000 | 2,007 |
| Total interest expense | $2,982,000 | 1,673 |
| Net interest income | $2,297,000 | 2,459 |
| Provision for loan and lease losses | $128,000 | 1,681 |
| Total noninterest income | $271,000 | 3,345 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $141,000 | 2,722 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $130,000 | 3,266 |
| Total noninterest expense | $1,427,000 | 3,105 |
| Salaries and employee benefits | $722,000 | 3,367 |
| Premises and equipment expense | $230,000 | 2,784 |
| Additional noninterest expense | $475,000 | 2,728 |
| Pre-tax net operating income | $1,013,000 | 2,142 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $346,000 | 1,685 |
| Income before extraordinary items | $667,000 | 2,424 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $667,000 | 2,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,588 |
| Cash dividends | $198,000 | 2,489 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $667,000 | 2,406 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $18,270,000 | 2,153 |
| Total interest expense | $9,633,000 | 1,742 |
| Net interest income | $8,637,000 | 2,609 |
| Provision for loan and lease losses | $621,000 | 1,562 |
| Total noninterest income | $971,000 | 3,617 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $542,000 | 2,897 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $429,000 | 3,611 |
| Total noninterest expense | $5,602,000 | 3,039 |
| Salaries and employee benefits | $2,790,000 | 3,329 |
| Premises and equipment expense | $968,000 | 2,553 |
| Additional noninterest expense | $1,844,000 | 2,751 |
| Pre-tax net operating income | $3,385,000 | 2,552 |
| Securities gains (losses) | $-20,000 | 7,546 |
| Applicable income taxes | $1,094,000 | 2,075 |
| Income before extraordinary items | $2,271,000 | 2,824 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,271,000 | 2,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,290 |
| Cash dividends | $586,000 | 3,500 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,284,400 | 2,801 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,156,000 | 2,218 |
| Total interest expense | $6,721,000 | 1,805 |
| Net interest income | $6,435,000 | 2,646 |
| Provision for loan and lease losses | $329,000 | 1,998 |
| Total noninterest income | $729,000 | 3,623 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $400,000 | 2,951 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $329,000 | 3,571 |
| Total noninterest expense | $4,142,000 | 3,086 |
| Salaries and employee benefits | $2,062,000 | 3,362 |
| Premises and equipment expense | $706,000 | 2,620 |
| Additional noninterest expense | $1,374,000 | 2,758 |
| Pre-tax net operating income | $2,693,000 | 2,506 |
| Securities gains (losses) | $-20,000 | 7,838 |
| Applicable income taxes | $909,000 | 2,011 |
| Income before extraordinary items | $1,764,000 | 2,830 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,764,000 | 2,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 1,717 |
| Cash dividends | $585,000 | 2,721 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,777,200 | 2,806 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,328,000 | 2,287 |
| Total interest expense | $4,033,000 | 1,891 |
| Net interest income | $4,295,000 | 2,641 |
| Provision for loan and lease losses | $207,000 | 2,065 |
| Total noninterest income | $487,000 | 3,594 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $261,000 | 2,975 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $226,000 | 3,504 |
| Total noninterest expense | $2,664,000 | 3,173 |
| Salaries and employee benefits | $1,326,000 | 3,474 |
| Premises and equipment expense | $458,000 | 2,680 |
| Additional noninterest expense | $880,000 | 2,877 |
| Pre-tax net operating income | $1,911,000 | 2,398 |
| Securities gains (losses) | $-20,000 | 8,076 |
| Applicable income taxes | $639,000 | 1,968 |
| Income before extraordinary items | $1,252,000 | 2,698 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,252,000 | 2,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 1,615 |
| Cash dividends | $173,000 | 3,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,265,200 | 2,662 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,052,000 | 2,298 |
| Total interest expense | $1,938,000 | 1,881 |
| Net interest income | $2,114,000 | 2,664 |
| Provision for loan and lease losses | $109,000 | 1,884 |
| Total noninterest income | $229,000 | 3,677 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $127,000 | 2,956 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $102,000 | 3,669 |
| Total noninterest expense | $1,273,000 | 3,319 |
| Salaries and employee benefits | $677,000 | 3,422 |
| Premises and equipment expense | $219,000 | 2,795 |
| Additional noninterest expense | $377,000 | 3,280 |
| Pre-tax net operating income | $961,000 | 2,345 |
| Securities gains (losses) | $-13,000 | 8,292 |
| Applicable income taxes | $320,000 | 1,936 |
| Income before extraordinary items | $628,000 | 2,645 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $628,000 | 2,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 1,004 |
| Cash dividends | $173,000 | 2,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $636,580 | 2,606 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,450,000 | 2,628 |
| Total interest expense | $5,127,000 | 2,152 |
| Net interest income | $7,323,000 | 2,927 |
| Provision for loan and lease losses | $460,000 | 2,027 |
| Total noninterest income | $777,000 | 4,117 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $517,000 | 2,982 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $260,000 | 4,647 |
| Total noninterest expense | $4,666,000 | 3,426 |
| Salaries and employee benefits | $2,234,000 | 3,804 |
| Premises and equipment expense | $855,000 | 2,716 |
| Additional noninterest expense | $1,577,000 | 3,110 |
| Pre-tax net operating income | $2,974,000 | 2,772 |
| Securities gains (losses) | $22,000 | 1,227 |
| Applicable income taxes | $1,041,000 | 2,210 |
| Income before extraordinary items | $1,955,000 | 3,148 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,955,000 | 3,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 3,813 |
| Cash dividends | $514,000 | 3,584 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,940,700 | 3,127 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,664,000 | 2,753 |
| Total interest expense | $3,388,000 | 2,293 |
| Net interest income | $5,276,000 | 3,012 |
| Provision for loan and lease losses | $330,000 | 2,034 |
| Total noninterest income | $577,000 | 4,153 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $382,000 | 3,012 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $195,000 | 4,652 |
| Total noninterest expense | $3,225,000 | 3,636 |
| Salaries and employee benefits | $1,586,000 | 3,920 |
| Premises and equipment expense | $551,000 | 3,086 |
| Additional noninterest expense | $1,088,000 | 3,289 |
| Pre-tax net operating income | $2,298,000 | 2,745 |
| Securities gains (losses) | $22,000 | 1,196 |
| Applicable income taxes | $776,000 | 2,249 |
| Income before extraordinary items | $1,544,000 | 3,057 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,544,000 | 3,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 3,028 |
| Cash dividends | $416,000 | 3,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,529,260 | 3,045 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,373,000 | 2,851 |
| Total interest expense | $1,996,000 | 2,427 |
| Net interest income | $3,377,000 | 3,085 |
| Provision for loan and lease losses | $182,000 | 2,291 |
| Total noninterest income | $404,000 | 4,031 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $258,000 | 2,945 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $146,000 | 4,386 |
| Total noninterest expense | $1,933,000 | 3,917 |
| Salaries and employee benefits | $941,000 | 4,273 |
| Premises and equipment expense | $349,000 | 3,200 |
| Additional noninterest expense | $643,000 | 3,602 |
| Pre-tax net operating income | $1,666,000 | 2,524 |
| Securities gains (losses) | $4,000 | 1,659 |
| Applicable income taxes | $566,000 | 2,088 |
| Income before extraordinary items | $1,104,000 | 2,868 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,104,000 | 2,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,094 |
| Cash dividends | $119,000 | 4,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,101,360 | 2,829 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,566,000 | 2,931 |
| Total interest expense | $903,000 | 2,532 |
| Net interest income | $1,663,000 | 3,109 |
| Provision for loan and lease losses | $116,000 | 1,844 |
| Total noninterest income | $212,000 | 3,830 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $121,000 | 3,015 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $91,000 | 3,935 |
| Total noninterest expense | $938,000 | 4,036 |
| Salaries and employee benefits | $456,000 | 4,401 |
| Premises and equipment expense | $173,000 | 3,260 |
| Additional noninterest expense | $309,000 | 3,724 |
| Pre-tax net operating income | $821,000 | 2,520 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $277,000 | 2,103 |
| Income before extraordinary items | $544,000 | 2,834 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $544,000 | 2,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 2,365 |
| Cash dividends | $118,000 | 2,798 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $544,000 | 2,783 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,241,000 | 3,035 |
| Total interest expense | $2,807,000 | 2,766 |
| Net interest income | $6,434,000 | 3,107 |
| Provision for loan and lease losses | $141,000 | 4,364 |
| Total noninterest income | $639,000 | 4,651 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $436,000 | 3,450 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $203,000 | 5,085 |
| Total noninterest expense | $3,035,000 | 4,617 |
| Salaries and employee benefits | $1,425,000 | 5,117 |
| Premises and equipment expense | $641,000 | 3,356 |
| Additional noninterest expense | $969,000 | 4,459 |
| Pre-tax net operating income | $3,897,000 | 2,109 |
| Securities gains (losses) | $-75,000 | 8,676 |
| Applicable income taxes | $1,319,000 | 1,775 |
| Income before extraordinary items | $2,503,000 | 2,429 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,503,000 | 2,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,038 |
| Cash dividends | $100,000 | 5,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,551,750 | 2,332 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,752,000 | 3,076 |
| Total interest expense | $2,035,000 | 2,791 |
| Net interest income | $4,717,000 | 3,149 |
| Provision for loan and lease losses | $117,000 | 4,021 |
| Total noninterest income | $492,000 | 4,595 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $323,000 | 3,487 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $169,000 | 4,855 |
| Total noninterest expense | $2,085,000 | 4,883 |
| Salaries and employee benefits | $1,030,000 | 5,217 |
| Premises and equipment expense | $409,000 | 3,807 |
| Additional noninterest expense | $646,000 | 4,802 |
| Pre-tax net operating income | $3,007,000 | 2,071 |
| Securities gains (losses) | $-75,000 | 8,862 |
| Applicable income taxes | $1,082,000 | 1,665 |
| Income before extraordinary items | $1,850,000 | 2,498 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,850,000 | 2,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,219 |
| Cash dividends | $100,000 | 4,608 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,898,000 | 2,375 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,486,000 | 3,057 |
| Total interest expense | $1,334,000 | 2,826 |
| Net interest income | $3,152,000 | 3,141 |
| Provision for loan and lease losses | $99,000 | 3,536 |
| Total noninterest income | $349,000 | 4,430 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $217,000 | 3,458 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $132,000 | 4,565 |
| Total noninterest expense | $1,370,000 | 4,965 |
| Salaries and employee benefits | $678,000 | 5,299 |
| Premises and equipment expense | $273,000 | 3,808 |
| Additional noninterest expense | $419,000 | 4,901 |
| Pre-tax net operating income | $2,032,000 | 2,022 |
| Securities gains (losses) | $-62,000 | 8,934 |
| Applicable income taxes | $729,000 | 1,649 |
| Income before extraordinary items | $1,241,000 | 2,447 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,241,000 | 2,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,320 |
| Cash dividends | $100,000 | 4,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,280,680 | 2,315 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,162,000 | 3,175 |
| Total interest expense | $661,000 | 2,888 |
| Net interest income | $1,501,000 | 3,255 |
| Provision for loan and lease losses | $74,000 | 2,718 |
| Total noninterest income | $174,000 | 4,410 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $96,000 | 3,683 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $78,000 | 4,224 |
| Total noninterest expense | $655,000 | 5,141 |
| Salaries and employee benefits | $311,000 | 5,630 |
| Premises and equipment expense | $127,000 | 4,055 |
| Additional noninterest expense | $217,000 | 4,781 |
| Pre-tax net operating income | $946,000 | 2,107 |
| Securities gains (losses) | $-180,000 | 9,083 |
| Applicable income taxes | $283,000 | 2,013 |
| Income before extraordinary items | $483,000 | 3,029 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $483,000 | 3,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,629 |
| Cash dividends | $100,000 | 2,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $598,200 | 2,423 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,833,000 | 3,502 |
| Total interest expense | $2,861,000 | 2,987 |
| Net interest income | $4,972,000 | 3,695 |
| Provision for loan and lease losses | $981,000 | 1,213 |
| Total noninterest income | $1,666,000 | 2,623 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $351,000 | 3,940 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,315,000 | 1,993 |
| Total noninterest expense | $2,877,000 | 4,743 |
| Salaries and employee benefits | $1,415,000 | 5,050 |
| Premises and equipment expense | $496,000 | 4,084 |
| Additional noninterest expense | $966,000 | 4,390 |
| Pre-tax net operating income | $2,780,000 | 2,661 |
| Securities gains (losses) | $183,000 | 1,393 |
| Applicable income taxes | $780,000 | 2,585 |
| Income before extraordinary items | $2,183,000 | 2,681 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,183,000 | 2,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,692 |
| Cash dividends | $609,000 | 3,171 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,047,580 | 2,688 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,647,000 | 3,644 |
| Total interest expense | $2,202,000 | 3,022 |
| Net interest income | $3,445,000 | 3,954 |
| Provision for loan and lease losses | $366,000 | 2,166 |
| Total noninterest income | $1,550,000 | 2,300 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $254,000 | 4,044 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,296,000 | 1,702 |
| Total noninterest expense | $1,796,000 | 5,341 |
| Salaries and employee benefits | $823,000 | 5,926 |
| Premises and equipment expense | $265,000 | 5,134 |
| Additional noninterest expense | $708,000 | 4,439 |
| Pre-tax net operating income | $2,833,000 | 2,136 |
| Securities gains (losses) | $180,000 | 1,296 |
| Applicable income taxes | $1,139,000 | 1,671 |
| Income before extraordinary items | $1,874,000 | 2,465 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,874,000 | 2,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 4,539 |
| Cash dividends | $609,000 | 2,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,758,800 | 2,480 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,640,000 | 3,763 |
| Total interest expense | $1,541,000 | 2,968 |
| Net interest income | $2,099,000 | 4,245 |
| Provision for loan and lease losses | $337,000 | 1,647 |
| Total noninterest income | $1,435,000 | 1,779 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $166,000 | 4,063 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,269,000 | 1,278 |
| Total noninterest expense | $1,234,000 | 5,238 |
| Salaries and employee benefits | $539,000 | 5,985 |
| Premises and equipment expense | $189,000 | 4,885 |
| Additional noninterest expense | $506,000 | 4,209 |
| Pre-tax net operating income | $1,963,000 | 2,076 |
| Securities gains (losses) | $163,000 | 1,176 |
| Applicable income taxes | $811,000 | 1,599 |
| Income before extraordinary items | $1,315,000 | 2,360 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,315,000 | 2,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,822 |
| Cash dividends | $300,000 | 2,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,210,680 | 2,400 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,713,000 | 3,995 |
| Total interest expense | $827,000 | 2,845 |
| Net interest income | $886,000 | 4,754 |
| Provision for loan and lease losses | $64,000 | 3,180 |
| Total noninterest income | $152,000 | 4,860 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $80,000 | 4,080 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $72,000 | 4,544 |
| Total noninterest expense | $644,000 | 5,094 |
| Salaries and employee benefits | $243,000 | 6,363 |
| Premises and equipment expense | $99,000 | 4,734 |
| Additional noninterest expense | $302,000 | 3,641 |
| Pre-tax net operating income | $330,000 | 4,541 |
| Securities gains (losses) | $140,000 | 829 |
| Applicable income taxes | $174,000 | 2,932 |
| Income before extraordinary items | $296,000 | 4,285 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $296,000 | 4,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,119 |
| Cash dividends | $280,000 | 1,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $206,400 | 5,061 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,183,000 | 3,967 |
| Total interest expense | $3,813,000 | 2,860 |
| Net interest income | $3,370,000 | 4,885 |
| Provision for loan and lease losses | $121,000 | 5,320 |
| Total noninterest income | $419,000 | 5,662 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $310,000 | 4,159 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $109,000 | 6,277 |
| Total noninterest expense | $2,102,000 | 5,706 |
| Salaries and employee benefits | $941,000 | 6,345 |
| Premises and equipment expense | $304,000 | 5,540 |
| Additional noninterest expense | $857,000 | 4,699 |
| Pre-tax net operating income | $1,566,000 | 4,008 |
| Securities gains (losses) | $178,000 | 1,251 |
| Applicable income taxes | $692,000 | 2,870 |
| Income before extraordinary items | $1,052,000 | 4,454 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,052,000 | 4,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,374 |
| Cash dividends | $500,000 | 3,434 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $938,080 | 4,639 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,453,000 | 4,704 |
| Total interest expense | $3,563,000 | 4,152 |
| Net interest income | $2,890,000 | 5,201 |
| Provision for loan and lease losses | $179,000 | 4,428 |
| Total noninterest income | $386,000 | 5,774 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $298,000 | 4,176 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $88,000 | 6,699 |
| Total noninterest expense | $1,761,000 | 6,216 |
| Salaries and employee benefits | $853,000 | 6,565 |
| Premises and equipment expense | $230,000 | 6,354 |
| Additional noninterest expense | $678,000 | 5,404 |
| Pre-tax net operating income | $1,336,000 | 4,153 |
| Securities gains (losses) | $-5,000 | 9,212 |
| Applicable income taxes | $541,000 | 3,180 |
| Income before extraordinary items | $790,000 | 4,902 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $790,000 | 4,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 5,044 |
| Cash dividends | $579,000 | 3,214 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $793,200 | 4,776 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,578,000 | 4,804 |
| Total interest expense | $3,816,000 | 4,133 |
| Net interest income | $2,762,000 | 5,449 |
| Provision for loan and lease losses | $205,000 | 3,684 |
| Total noninterest income | $308,000 | 6,235 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $223,000 | 4,836 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 6,788 |
| Total noninterest expense | $1,496,000 | 6,760 |
| Salaries and employee benefits | $716,000 | 7,121 |
| Premises and equipment expense | $161,000 | 7,398 |
| Additional noninterest expense | $619,000 | 5,663 |
| Pre-tax net operating income | $1,369,000 | 4,347 |
| Securities gains (losses) | $-16,000 | 8,617 |
| Applicable income taxes | $504,000 | 3,469 |
| Income before extraordinary items | $849,000 | 4,871 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $849,000 | 4,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 2,367 |
| Cash dividends | $248,000 | 4,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $859,240 | 4,827 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,637,000 | 5,152 |
| Total interest expense | $2,776,000 | 4,891 |
| Net interest income | $2,861,000 | 5,344 |
| Provision for loan and lease losses | $150,000 | 4,234 |
| Total noninterest income | $284,000 | 6,581 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,069 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 7,144 |
| Total noninterest expense | $1,282,000 | 7,350 |
| Salaries and employee benefits | $621,000 | 7,636 |
| Premises and equipment expense | $100,000 | 8,634 |
| Additional noninterest expense | $561,000 | 6,077 |
| Pre-tax net operating income | $1,713,000 | 3,749 |
| Securities gains (losses) | $34,000 | 1,140 |
| Applicable income taxes | $697,000 | 2,907 |
| Income before extraordinary items | $1,050,000 | 4,272 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,050,000 | 4,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,834 |
| Cash dividends | $325,000 | 4,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,028,240 | 4,311 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,368,000 | 5,397 |
| Total interest expense | $2,787,000 | 4,979 |
| Net interest income | $2,581,000 | 5,718 |
| Provision for loan and lease losses | $74,000 | 5,769 |
| Total noninterest income | $235,000 | 7,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $193,000 | 5,239 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,456 |
| Total noninterest expense | $1,049,000 | 7,968 |
| Salaries and employee benefits | $543,000 | 8,096 |
| Premises and equipment expense | $87,000 | 8,995 |
| Additional noninterest expense | $419,000 | 7,061 |
| Pre-tax net operating income | $1,693,000 | 3,810 |
| Securities gains (losses) | $-5,000 | 10,072 |
| Applicable income taxes | $587,000 | 3,459 |
| Income before extraordinary items | $1,101,000 | 4,178 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,101,000 | 4,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,077 |
| Cash dividends | $431,000 | 3,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,104,250 | 4,084 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,804,000 | 5,947 |
| Total interest expense | $2,398,000 | 5,573 |
| Net interest income | $2,406,000 | 6,211 |
| Provision for loan and lease losses | $158,000 | 4,024 |
| Total noninterest income | $243,000 | 7,298 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $203,000 | 5,295 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 8,870 |
| Total noninterest expense | $969,000 | 8,456 |
| Salaries and employee benefits | $498,000 | 8,621 |
| Premises and equipment expense | $88,000 | 9,261 |
| Additional noninterest expense | $383,000 | 7,499 |
| Pre-tax net operating income | $1,522,000 | 4,446 |
| Securities gains (losses) | $62,000 | 1,215 |
| Applicable income taxes | $563,000 | 3,862 |
| Income before extraordinary items | $1,021,000 | 4,636 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,021,000 | 4,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,868 |
| Cash dividends | $87,000 | 6,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $981,320 | 4,703 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,487,000 | 6,415 |
| Total interest expense | $2,285,000 | 5,876 |
| Net interest income | $2,202,000 | 6,765 |
| Provision for loan and lease losses | $108,000 | 4,918 |
| Total noninterest income | $211,000 | 8,070 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $175,000 | 6,012 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,538 |
| Total noninterest expense | $968,000 | 8,782 |
| Salaries and employee benefits | $495,000 | 8,923 |
| Premises and equipment expense | $92,000 | 9,504 |
| Additional noninterest expense | $381,000 | 8,040 |
| Pre-tax net operating income | $1,337,000 | 4,743 |
| Securities gains (losses) | $-12,000 | 10,370 |
| Applicable income taxes | $383,000 | 5,029 |
| Income before extraordinary items | $942,000 | 4,720 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $942,000 | 4,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 5,007 |
| Cash dividends | $236,000 | 5,109 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $950,520 | 4,635 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,896,000 | 7,118 |
| Total interest expense | $1,982,000 | 6,510 |
| Net interest income | $1,914,000 | 7,498 |
| Provision for loan and lease losses | $76,000 | 5,218 |
| Total noninterest income | $167,000 | 9,008 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 6,833 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 10,586 |
| Total noninterest expense | $1,007,000 | 8,926 |
| Salaries and employee benefits | $460,000 | 9,449 |
| Premises and equipment expense | $89,000 | 9,947 |
| Additional noninterest expense | $458,000 | 7,629 |
| Pre-tax net operating income | $998,000 | 6,012 |
| Securities gains (losses) | $-102,000 | 11,492 |
| Applicable income taxes | $255,000 | 6,571 |
| Income before extraordinary items | $641,000 | 6,370 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $641,000 | 6,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,321 |
| Cash dividends | $227,000 | 5,183 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $714,440 | 5,876 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,990,000 | 8,064 |
| Total interest expense | $1,212,000 | 7,852 |
| Net interest income | $1,778,000 | 8,100 |
| Provision for loan and lease losses | $75,000 | 5,153 |
| Total noninterest income | $159,000 | 9,536 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $135,000 | 7,234 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 11,176 |
| Total noninterest expense | $948,000 | 9,557 |
| Salaries and employee benefits | $433,000 | 9,977 |
| Premises and equipment expense | $83,000 | 10,557 |
| Additional noninterest expense | $432,000 | 8,508 |
| Pre-tax net operating income | $914,000 | 6,327 |
| Securities gains (losses) | $69,000 | 968 |
| Applicable income taxes | $247,000 | 6,586 |
| Income before extraordinary items | $736,000 | 5,688 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $736,000 | 5,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,318 |
| Cash dividends | $231,000 | 5,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $684,250 | 6,075 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,436,000 | 9,316 |
| Total interest expense | $924,000 | 9,449 |
| Net interest income | $1,512,000 | 9,069 |
| Provision for loan and lease losses | $112,000 | 5,474 |
| Total noninterest income | $170,000 | 9,812 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 7,297 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 11,437 |
| Total noninterest expense | $950,000 | 9,977 |
| Salaries and employee benefits | $436,000 | 10,283 |
| Premises and equipment expense | $105,000 | 10,294 |
| Additional noninterest expense | $409,000 | 9,165 |
| Pre-tax net operating income | $620,000 | 7,813 |
| Securities gains (losses) | $145,000 | 2,015 |
| Applicable income taxes | $193,000 | 7,749 |
| Income before extraordinary items | $572,000 | 6,998 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $572,000 | 7,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 6,663 |
| Cash dividends | $330,000 | 4,127 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $463,250 | 7,606 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,261,000 | 10,354 |
| Total interest expense | $988,000 | 10,445 |
| Net interest income | $1,273,000 | 10,050 |
| Provision for loan and lease losses | $51,000 | 8,987 |
| Total noninterest income | $185,000 | 9,709 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $153,000 | 7,026 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 11,632 |
| Total noninterest expense | $847,000 | 10,764 |
| Salaries and employee benefits | $384,000 | 11,048 |
| Premises and equipment expense | $105,000 | 10,550 |
| Additional noninterest expense | $358,000 | 10,091 |
| Pre-tax net operating income | $560,000 | 7,991 |
| Securities gains (losses) | $90,000 | 3,184 |
| Applicable income taxes | $150,000 | 8,614 |
| Income before extraordinary items | $500,000 | 7,338 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $500,000 | 7,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 7,501 |
| Cash dividends | $500,000 | 2,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $430,700 | 7,568 |
* 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.