Home > Central Co-operative Bank > Income and Expense
Central Co-operative Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $16,788,000 | 1,216 |
| Total interest expense | $4,833,000 | 695 |
| Net interest income | $11,955,000 | 1,384 |
| Provision for loan and lease losses | $650,000 | 1,939 |
| Total noninterest income | $1,588,000 | 2,105 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $744,000 | 1,437 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $844,000 | 2,221 |
| Total noninterest expense | $12,705,000 | 1,191 |
| Salaries and employee benefits | $7,661,000 | 1,022 |
| Premises and equipment expense | $1,463,000 | 1,223 |
| Additional noninterest expense | $3,581,000 | 1,427 |
| Pre-tax net operating income | $188,000 | 5,714 |
| Securities gains (losses) | $347,000 | 987 |
| Applicable income taxes | $93,000 | 3,421 |
| Income before extraordinary items | $442,000 | 4,826 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $442,000 | 4,826 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $442,000 | 4,826 |
| Net charge-offs | $543,000 | 2,084 |
| Cash dividends | $625,000 | 1,794 |
| Sale, conversion, retirement of capital stock, net | $637,000 | 211 |
| Net operating income | $153,990 | 5,759 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $11,074,000 | 1,235 |
| Total interest expense | $3,263,000 | 724 |
| Net interest income | $7,811,000 | 1,420 |
| Provision for loan and lease losses | $450,000 | 1,913 |
| Total noninterest income | $886,000 | 2,339 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $487,000 | 1,451 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $399,000 | 2,652 |
| Total noninterest expense | $8,702,000 | 1,155 |
| Salaries and employee benefits | $5,280,000 | 986 |
| Premises and equipment expense | $988,000 | 1,206 |
| Additional noninterest expense | $2,434,000 | 1,401 |
| Pre-tax net operating income | $-455,000 | 6,796 |
| Securities gains (losses) | $38,000 | 2,209 |
| Applicable income taxes | $-113,000 | 7,028 |
| Income before extraordinary items | $-304,000 | 6,774 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-304,000 | 6,774 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-304,000 | 6,774 |
| Net charge-offs | $381,000 | 2,050 |
| Cash dividends | $500,000 | 1,580 |
| Sale, conversion, retirement of capital stock, net | $436,000 | 181 |
| Net operating income | $-331,740 | 6,739 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $5,533,000 | 1,245 |
| Total interest expense | $1,623,000 | 756 |
| Net interest income | $3,910,000 | 1,417 |
| Provision for loan and lease losses | $300,000 | 1,500 |
| Total noninterest income | $405,000 | 2,458 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $230,000 | 1,506 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $175,000 | 2,851 |
| Total noninterest expense | $3,924,000 | 1,263 |
| Salaries and employee benefits | $2,557,000 | 1,015 |
| Premises and equipment expense | $497,000 | 1,207 |
| Additional noninterest expense | $870,000 | 1,900 |
| Pre-tax net operating income | $91,000 | 5,502 |
| Securities gains (losses) | $34,000 | 1,396 |
| Applicable income taxes | $-98,000 | 7,168 |
| Income before extraordinary items | $223,000 | 4,190 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $223,000 | 4,194 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $223,000 | 4,194 |
| Net charge-offs | $112,000 | 2,348 |
| Cash dividends | $375,000 | 1,117 |
| Sale, conversion, retirement of capital stock, net | $262,000 | 145 |
| Net operating income | $189,000 | 4,328 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $22,938,000 | 1,251 |
| Total interest expense | $6,513,000 | 931 |
| Net interest income | $16,425,000 | 1,342 |
| Provision for loan and lease losses | $1,300,000 | 2,049 |
| Total noninterest income | $1,676,000 | 2,280 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $960,000 | 1,527 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $716,000 | 2,611 |
| Total noninterest expense | $15,546,000 | 1,269 |
| Salaries and employee benefits | $9,405,000 | 1,047 |
| Premises and equipment expense | $2,146,000 | 1,168 |
| Additional noninterest expense | $3,995,000 | 1,701 |
| Pre-tax net operating income | $1,255,000 | 3,322 |
| Securities gains (losses) | $813,000 | 535 |
| Applicable income taxes | $600,000 | 1,848 |
| Income before extraordinary items | $1,468,000 | 2,808 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,468,000 | 2,810 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,468,000 | 2,810 |
| Net charge-offs | $964,000 | 2,403 |
| Cash dividends | $3,150,000 | 636 |
| Sale, conversion, retirement of capital stock, net | $1,081,000 | 311 |
| Net operating income | $890,770 | 3,650 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $17,163,000 | 1,266 |
| Total interest expense | $4,882,000 | 979 |
| Net interest income | $12,281,000 | 1,360 |
| Provision for loan and lease losses | $1,000,000 | 1,957 |
| Total noninterest income | $1,174,000 | 2,371 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $705,000 | 1,554 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $469,000 | 2,795 |
| Total noninterest expense | $11,910,000 | 1,238 |
| Salaries and employee benefits | $7,214,000 | 1,018 |
| Premises and equipment expense | $1,638,000 | 1,154 |
| Additional noninterest expense | $3,058,000 | 1,669 |
| Pre-tax net operating income | $545,000 | 4,350 |
| Securities gains (losses) | $861,000 | 401 |
| Applicable income taxes | $400,000 | 1,944 |
| Income before extraordinary items | $1,006,000 | 3,053 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,006,000 | 3,055 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,006,000 | 3,055 |
| Net charge-offs | $575,000 | 2,520 |
| Cash dividends | $375,000 | 2,106 |
| Sale, conversion, retirement of capital stock, net | $925,000 | 283 |
| Net operating income | $386,080 | 4,582 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $11,287,000 | 1,291 |
| Total interest expense | $3,255,000 | 1,017 |
| Net interest income | $8,032,000 | 1,384 |
| Provision for loan and lease losses | $700,000 | 1,888 |
| Total noninterest income | $758,000 | 2,408 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $468,000 | 1,540 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $290,000 | 2,924 |
| Total noninterest expense | $7,971,000 | 1,251 |
| Salaries and employee benefits | $4,821,000 | 1,030 |
| Premises and equipment expense | $1,118,000 | 1,147 |
| Additional noninterest expense | $2,032,000 | 1,692 |
| Pre-tax net operating income | $119,000 | 5,586 |
| Securities gains (losses) | $797,000 | 242 |
| Applicable income taxes | $239,000 | 2,032 |
| Income before extraordinary items | $677,000 | 2,974 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $677,000 | 2,975 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $677,000 | 2,976 |
| Net charge-offs | $30,000 | 4,826 |
| Cash dividends | $250,000 | 2,077 |
| Sale, conversion, retirement of capital stock, net | $717,000 | 188 |
| Net operating income | $87,220 | 5,703 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $5,692,000 | 1,285 |
| Total interest expense | $1,673,000 | 1,030 |
| Net interest income | $4,019,000 | 1,380 |
| Provision for loan and lease losses | $200,000 | 2,421 |
| Total noninterest income | $357,000 | 2,534 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $227,000 | 1,562 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $130,000 | 3,138 |
| Total noninterest expense | $4,009,000 | 1,247 |
| Salaries and employee benefits | $2,294,000 | 1,103 |
| Premises and equipment expense | $589,000 | 1,110 |
| Additional noninterest expense | $1,126,000 | 1,540 |
| Pre-tax net operating income | $167,000 | 4,501 |
| Securities gains (losses) | $306,000 | 248 |
| Applicable income taxes | $101,000 | 2,164 |
| Income before extraordinary items | $372,000 | 2,817 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $372,000 | 2,816 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $372,000 | 2,817 |
| Net charge-offs | $56,000 | 3,252 |
| Cash dividends | $125,000 | 1,739 |
| Sale, conversion, retirement of capital stock, net | $507,000 | 133 |
| Net operating income | $130,260 | 4,604 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $26,729,000 | 1,158 |
| Total interest expense | $8,562,000 | 973 |
| Net interest income | $18,167,000 | 1,239 |
| Provision for loan and lease losses | $1,150,000 | 2,843 |
| Total noninterest income | $1,958,000 | 2,104 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,013,000 | 1,493 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $945,000 | 2,240 |
| Total noninterest expense | $14,845,000 | 1,354 |
| Salaries and employee benefits | $8,708,000 | 1,133 |
| Premises and equipment expense | $2,092,000 | 1,238 |
| Additional noninterest expense | $4,045,000 | 1,782 |
| Pre-tax net operating income | $4,130,000 | 1,224 |
| Securities gains (losses) | $-555,000 | 7,437 |
| Applicable income taxes | $1,040,000 | 1,184 |
| Income before extraordinary items | $2,535,000 | 1,627 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,535,000 | 1,628 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $2,535,000 | 1,630 |
| Net charge-offs | $190,000 | 4,814 |
| Cash dividends | $500,000 | 2,343 |
| Sale, conversion, retirement of capital stock, net | $772,000 | 401 |
| Net operating income | $2,929,050 | 1,382 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $20,527,000 | 1,148 |
| Total interest expense | $6,651,000 | 977 |
| Net interest income | $13,876,000 | 1,227 |
| Provision for loan and lease losses | $850,000 | 2,759 |
| Total noninterest income | $1,435,000 | 2,158 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $748,000 | 1,556 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $687,000 | 2,293 |
| Total noninterest expense | $11,113,000 | 1,345 |
| Salaries and employee benefits | $6,473,000 | 1,134 |
| Premises and equipment expense | $1,569,000 | 1,255 |
| Additional noninterest expense | $3,071,000 | 1,729 |
| Pre-tax net operating income | $3,348,000 | 1,186 |
| Securities gains (losses) | $-568,000 | 7,602 |
| Applicable income taxes | $686,000 | 1,358 |
| Income before extraordinary items | $2,094,000 | 1,576 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $2,094,000 | 1,579 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $2,094,000 | 1,579 |
| Net charge-offs | $5,000 | 6,437 |
| Cash dividends | $375,000 | 2,106 |
| Sale, conversion, retirement of capital stock, net | $596,000 | 348 |
| Net operating income | $2,520,000 | 1,280 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $13,910,000 | 1,134 |
| Total interest expense | $4,607,000 | 974 |
| Net interest income | $9,303,000 | 1,221 |
| Provision for loan and lease losses | $550,000 | 2,712 |
| Total noninterest income | $929,000 | 2,151 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $488,000 | 1,593 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $441,000 | 2,277 |
| Total noninterest expense | $7,307,000 | 1,367 |
| Salaries and employee benefits | $4,224,000 | 1,165 |
| Premises and equipment expense | $1,051,000 | 1,258 |
| Additional noninterest expense | $2,032,000 | 1,738 |
| Pre-tax net operating income | $2,375,000 | 1,123 |
| Securities gains (losses) | $-341,000 | 7,650 |
| Applicable income taxes | $428,000 | 1,378 |
| Income before extraordinary items | $1,606,000 | 1,371 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,606,000 | 1,371 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,606,000 | 1,372 |
| Net charge-offs | $2,000 | 6,208 |
| Cash dividends | $250,000 | 2,089 |
| Sale, conversion, retirement of capital stock, net | $435,000 | 284 |
| Net operating income | $1,875,390 | 1,142 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $7,050,000 | 1,143 |
| Total interest expense | $2,417,000 | 971 |
| Net interest income | $4,633,000 | 1,242 |
| Provision for loan and lease losses | $250,000 | 2,660 |
| Total noninterest income | $458,000 | 2,167 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $234,000 | 1,636 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $224,000 | 2,231 |
| Total noninterest expense | $3,647,000 | 1,382 |
| Salaries and employee benefits | $2,095,000 | 1,182 |
| Premises and equipment expense | $545,000 | 1,252 |
| Additional noninterest expense | $1,007,000 | 1,736 |
| Pre-tax net operating income | $1,194,000 | 1,109 |
| Securities gains (losses) | $-384,000 | 7,814 |
| Applicable income taxes | $10,000 | 3,808 |
| Income before extraordinary items | $800,000 | 1,369 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $800,000 | 1,372 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $800,000 | 1,371 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $125,000 | 1,726 |
| Sale, conversion, retirement of capital stock, net | $279,000 | 198 |
| Net operating income | $1,180,160 | 902 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $28,751,000 | 1,199 |
| Total interest expense | $12,392,000 | 956 |
| Net interest income | $16,359,000 | 1,355 |
| Provision for loan and lease losses | $1,375,000 | 3,014 |
| Total noninterest income | $1,810,000 | 2,266 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $978,000 | 1,723 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $832,000 | 2,394 |
| Total noninterest expense | $15,018,000 | 1,363 |
| Salaries and employee benefits | $7,890,000 | 1,245 |
| Premises and equipment expense | $2,261,000 | 1,203 |
| Additional noninterest expense | $4,867,000 | 1,533 |
| Pre-tax net operating income | $1,776,000 | 2,108 |
| Securities gains (losses) | $-339,000 | 7,522 |
| Applicable income taxes | $851,000 | 1,082 |
| Income before extraordinary items | $586,000 | 3,629 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $586,000 | 3,627 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $586,000 | 3,627 |
| Net charge-offs | $3,187,000 | 1,542 |
| Cash dividends | $732,000 | 2,067 |
| Sale, conversion, retirement of capital stock, net | $2,702,000 | 289 |
| Net operating income | $802,960 | 3,070 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $21,649,000 | 1,215 |
| Total interest expense | $9,698,000 | 964 |
| Net interest income | $11,951,000 | 1,396 |
| Provision for loan and lease losses | $1,275,000 | 2,437 |
| Total noninterest income | $1,363,000 | 2,322 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $712,000 | 1,773 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $651,000 | 2,399 |
| Total noninterest expense | $11,124,000 | 1,374 |
| Salaries and employee benefits | $5,863,000 | 1,282 |
| Premises and equipment expense | $1,709,000 | 1,208 |
| Additional noninterest expense | $3,552,000 | 1,512 |
| Pre-tax net operating income | $915,000 | 2,896 |
| Securities gains (losses) | $-258,000 | 7,634 |
| Applicable income taxes | $500,000 | 1,404 |
| Income before extraordinary items | $157,000 | 5,048 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $157,000 | 5,047 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $157,000 | 5,047 |
| Net charge-offs | $3,156,000 | 1,148 |
| Cash dividends | $607,000 | 1,776 |
| Sale, conversion, retirement of capital stock, net | $2,584,000 | 241 |
| Net operating income | $322,120 | 4,270 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $14,411,000 | 1,245 |
| Total interest expense | $6,675,000 | 992 |
| Net interest income | $7,736,000 | 1,442 |
| Provision for loan and lease losses | $1,075,000 | 1,986 |
| Total noninterest income | $966,000 | 2,238 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $463,000 | 1,787 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $503,000 | 2,217 |
| Total noninterest expense | $7,737,000 | 1,349 |
| Salaries and employee benefits | $3,929,000 | 1,305 |
| Premises and equipment expense | $1,157,000 | 1,224 |
| Additional noninterest expense | $2,651,000 | 1,404 |
| Pre-tax net operating income | $-110,000 | 6,113 |
| Securities gains (losses) | $-258,000 | 7,823 |
| Applicable income taxes | $146,000 | 2,297 |
| Income before extraordinary items | $-514,000 | 6,784 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-514,000 | 6,784 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-514,000 | 6,784 |
| Net charge-offs | $2,611,000 | 947 |
| Cash dividends | $357,000 | 2,013 |
| Sale, conversion, retirement of capital stock, net | $2,460,000 | 190 |
| Net operating income | $-256,000 | 6,468 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $7,216,000 | 1,261 |
| Total interest expense | $3,354,000 | 1,025 |
| Net interest income | $3,862,000 | 1,442 |
| Provision for loan and lease losses | $1,025,000 | 1,163 |
| Total noninterest income | $439,000 | 2,337 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $224,000 | 1,786 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $215,000 | 2,417 |
| Total noninterest expense | $3,952,000 | 1,269 |
| Salaries and employee benefits | $1,931,000 | 1,342 |
| Premises and equipment expense | $621,000 | 1,155 |
| Additional noninterest expense | $1,400,000 | 1,184 |
| Pre-tax net operating income | $-676,000 | 7,468 |
| Securities gains (losses) | $-258,000 | 8,062 |
| Applicable income taxes | $-30,000 | 7,333 |
| Income before extraordinary items | $-904,000 | 7,675 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-904,000 | 7,676 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-904,000 | 7,676 |
| Net charge-offs | $2,434,000 | 525 |
| Cash dividends | $357,000 | 1,215 |
| Sale, conversion, retirement of capital stock, net | $2,345,000 | 108 |
| Net operating income | $-653,740 | 7,543 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $31,186,000 | 1,228 |
| Total interest expense | $15,402,000 | 1,047 |
| Net interest income | $15,784,000 | 1,409 |
| Provision for loan and lease losses | $1,330,000 | 2,294 |
| Total noninterest income | $1,639,000 | 2,463 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $985,000 | 1,781 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $654,000 | 2,752 |
| Total noninterest expense | $14,225,000 | 1,378 |
| Salaries and employee benefits | $8,245,000 | 1,213 |
| Premises and equipment expense | $2,303,000 | 1,194 |
| Additional noninterest expense | $3,677,000 | 1,680 |
| Pre-tax net operating income | $1,868,000 | 2,591 |
| Securities gains (losses) | $-9,540,000 | 8,166 |
| Applicable income taxes | $-2,985,000 | 8,016 |
| Income before extraordinary items | $-4,687,000 | 7,796 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-4,687,000 | 7,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 4,848 |
| Cash dividends | $775,000 | 2,698 |
| Sale, conversion, retirement of capital stock, net | $690,000 | 481 |
| Net operating income | $1,418,600 | 2,762 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $23,755,000 | 1,236 |
| Total interest expense | $11,934,000 | 1,051 |
| Net interest income | $11,821,000 | 1,431 |
| Provision for loan and lease losses | $1,330,000 | 1,546 |
| Total noninterest income | $1,219,000 | 2,550 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $724,000 | 1,820 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $495,000 | 2,834 |
| Total noninterest expense | $10,552,000 | 1,366 |
| Salaries and employee benefits | $6,303,000 | 1,209 |
| Premises and equipment expense | $1,723,000 | 1,199 |
| Additional noninterest expense | $2,526,000 | 1,759 |
| Pre-tax net operating income | $1,158,000 | 3,387 |
| Securities gains (losses) | $-9,540,000 | 8,283 |
| Applicable income taxes | $324,000 | 2,375 |
| Income before extraordinary items | $-8,706,000 | 8,204 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-8,706,000 | 8,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,019 |
| Cash dividends | $525,000 | 2,663 |
| Sale, conversion, retirement of capital stock, net | $573,000 | 357 |
| Net operating income | $834,000 | 3,619 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $15,944,000 | 1,246 |
| Total interest expense | $8,364,000 | 1,040 |
| Net interest income | $7,580,000 | 1,476 |
| Provision for loan and lease losses | $430,000 | 2,069 |
| Total noninterest income | $817,000 | 2,579 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $472,000 | 1,835 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $345,000 | 2,805 |
| Total noninterest expense | $7,052,000 | 1,355 |
| Salaries and employee benefits | $4,297,000 | 1,198 |
| Premises and equipment expense | $1,152,000 | 1,192 |
| Additional noninterest expense | $1,603,000 | 1,802 |
| Pre-tax net operating income | $915,000 | 3,132 |
| Securities gains (losses) | $-32,000 | 8,205 |
| Applicable income taxes | $213,000 | 2,608 |
| Income before extraordinary items | $670,000 | 3,396 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $670,000 | 3,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $300,000 | 2,935 |
| Sale, conversion, retirement of capital stock, net | $432,000 | 273 |
| Net operating income | $694,320 | 3,277 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $8,067,000 | 1,260 |
| Total interest expense | $4,453,000 | 1,051 |
| Net interest income | $3,614,000 | 1,539 |
| Provision for loan and lease losses | $230,000 | 1,673 |
| Total noninterest income | $371,000 | 2,742 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $225,000 | 1,887 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $146,000 | 3,086 |
| Total noninterest expense | $3,542,000 | 1,348 |
| Salaries and employee benefits | $2,122,000 | 1,223 |
| Premises and equipment expense | $599,000 | 1,159 |
| Additional noninterest expense | $821,000 | 1,734 |
| Pre-tax net operating income | $213,000 | 4,845 |
| Securities gains (losses) | $-2,000 | 8,216 |
| Applicable income taxes | $26,000 | 4,162 |
| Income before extraordinary items | $185,000 | 4,814 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $185,000 | 4,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,531 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $260,000 | 183 |
| Net operating income | $186,760 | 4,691 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $32,296,000 | 1,320 |
| Total interest expense | $18,582,000 | 1,048 |
| Net interest income | $13,714,000 | 1,646 |
| Provision for loan and lease losses | $-270,000 | 8,456 |
| Total noninterest income | $1,499,000 | 2,717 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,006,000 | 1,754 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $493,000 | 3,339 |
| Total noninterest expense | $13,783,000 | 1,341 |
| Salaries and employee benefits | $8,290,000 | 1,205 |
| Premises and equipment expense | $2,201,000 | 1,199 |
| Additional noninterest expense | $3,292,000 | 1,696 |
| Pre-tax net operating income | $1,700,000 | 3,667 |
| Securities gains (losses) | $869,000 | 193 |
| Applicable income taxes | $787,000 | 2,159 |
| Income before extraordinary items | $1,782,000 | 3,063 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,782,000 | 3,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 2,883 |
| Cash dividends | $450,000 | 3,871 |
| Sale, conversion, retirement of capital stock, net | $-2,540,000 | 8,515 |
| Net operating income | $1,182,390 | 3,963 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $24,210,000 | 1,321 |
| Total interest expense | $14,040,000 | 1,044 |
| Net interest income | $10,170,000 | 1,673 |
| Provision for loan and lease losses | $-270,000 | 8,495 |
| Total noninterest income | $1,095,000 | 2,742 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $741,000 | 1,763 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $354,000 | 3,431 |
| Total noninterest expense | $10,523,000 | 1,308 |
| Salaries and employee benefits | $6,315,000 | 1,181 |
| Premises and equipment expense | $1,667,000 | 1,184 |
| Additional noninterest expense | $2,541,000 | 1,597 |
| Pre-tax net operating income | $1,012,000 | 4,329 |
| Securities gains (losses) | $510,000 | 228 |
| Applicable income taxes | $488,000 | 2,567 |
| Income before extraordinary items | $1,034,000 | 3,816 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,034,000 | 3,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 1,982 |
| Cash dividends | $200,000 | 4,096 |
| Sale, conversion, retirement of capital stock, net | $-2,741,000 | 8,546 |
| Net operating income | $687,200 | 4,698 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $16,264,000 | 1,320 |
| Total interest expense | $9,411,000 | 1,049 |
| Net interest income | $6,853,000 | 1,676 |
| Provision for loan and lease losses | $30,000 | 4,873 |
| Total noninterest income | $748,000 | 2,704 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $490,000 | 1,783 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $258,000 | 3,281 |
| Total noninterest expense | $7,269,000 | 1,287 |
| Salaries and employee benefits | $4,398,000 | 1,161 |
| Premises and equipment expense | $1,142,000 | 1,171 |
| Additional noninterest expense | $1,729,000 | 1,564 |
| Pre-tax net operating income | $302,000 | 6,022 |
| Securities gains (losses) | $338,000 | 237 |
| Applicable income taxes | $188,000 | 3,347 |
| Income before extraordinary items | $452,000 | 4,798 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $452,000 | 4,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 3,409 |
| Cash dividends | $200,000 | 3,613 |
| Sale, conversion, retirement of capital stock, net | $-2,949,000 | 8,606 |
| Net operating income | $212,020 | 6,285 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,212,000 | 1,293 |
| Total interest expense | $4,773,000 | 1,029 |
| Net interest income | $3,439,000 | 1,676 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $352,000 | 2,795 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $238,000 | 1,784 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $114,000 | 3,521 |
| Total noninterest expense | $3,814,000 | 1,232 |
| Salaries and employee benefits | $2,240,000 | 1,154 |
| Premises and equipment expense | $591,000 | 1,138 |
| Additional noninterest expense | $983,000 | 1,356 |
| Pre-tax net operating income | $-53,000 | 8,043 |
| Securities gains (losses) | $222,000 | 190 |
| Applicable income taxes | $58,000 | 3,953 |
| Income before extraordinary items | $111,000 | 6,222 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $111,000 | 6,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,345 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $-3,179,000 | 8,641 |
| Net operating income | $-35,520 | 7,998 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $31,838,000 | 1,229 |
| Total interest expense | $16,582,000 | 1,001 |
| Net interest income | $15,256,000 | 1,495 |
| Provision for loan and lease losses | $50,000 | 5,567 |
| Total noninterest income | $1,312,000 | 2,952 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,036,000 | 1,703 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $276,000 | 4,462 |
| Total noninterest expense | $14,022,000 | 1,275 |
| Salaries and employee benefits | $8,369,000 | 1,167 |
| Premises and equipment expense | $2,037,000 | 1,263 |
| Additional noninterest expense | $3,616,000 | 1,463 |
| Pre-tax net operating income | $2,496,000 | 3,131 |
| Securities gains (losses) | $472,000 | 254 |
| Applicable income taxes | $1,000,000 | 2,198 |
| Income before extraordinary items | $1,968,000 | 3,134 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,968,000 | 3,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,051 |
| Cash dividends | $1,200,000 | 2,241 |
| Sale, conversion, retirement of capital stock, net | $559,000 | 583 |
| Net operating income | $1,656,480 | 3,526 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $23,460,000 | 1,256 |
| Total interest expense | $11,922,000 | 1,019 |
| Net interest income | $11,538,000 | 1,501 |
| Provision for loan and lease losses | $50,000 | 5,035 |
| Total noninterest income | $995,000 | 2,933 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $756,000 | 1,746 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $239,000 | 4,172 |
| Total noninterest expense | $10,835,000 | 1,255 |
| Salaries and employee benefits | $6,452,000 | 1,145 |
| Premises and equipment expense | $1,519,000 | 1,284 |
| Additional noninterest expense | $2,864,000 | 1,390 |
| Pre-tax net operating income | $1,648,000 | 3,563 |
| Securities gains (losses) | $341,000 | 254 |
| Applicable income taxes | $662,000 | 2,448 |
| Income before extraordinary items | $1,327,000 | 3,488 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,327,000 | 3,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,035 |
| Cash dividends | $1,200,000 | 1,699 |
| Sale, conversion, retirement of capital stock, net | $374,000 | 497 |
| Net operating income | $1,098,530 | 3,924 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $15,208,000 | 1,270 |
| Total interest expense | $7,627,000 | 1,001 |
| Net interest income | $7,581,000 | 1,518 |
| Provision for loan and lease losses | $50,000 | 4,407 |
| Total noninterest income | $682,000 | 2,870 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $507,000 | 1,725 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $175,000 | 4,001 |
| Total noninterest expense | $7,179,000 | 1,269 |
| Salaries and employee benefits | $4,277,000 | 1,156 |
| Premises and equipment expense | $977,000 | 1,331 |
| Additional noninterest expense | $1,925,000 | 1,384 |
| Pre-tax net operating income | $1,034,000 | 3,731 |
| Securities gains (losses) | $225,000 | 250 |
| Applicable income taxes | $410,000 | 2,588 |
| Income before extraordinary items | $849,000 | 3,594 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $849,000 | 3,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,835 |
| Cash dividends | $800,000 | 1,708 |
| Sale, conversion, retirement of capital stock, net | $243,000 | 412 |
| Net operating income | $698,250 | 4,066 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,711,000 | 1,237 |
| Total interest expense | $3,781,000 | 966 |
| Net interest income | $3,930,000 | 1,457 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $319,000 | 2,962 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $251,000 | 1,678 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $68,000 | 4,477 |
| Total noninterest expense | $3,483,000 | 1,310 |
| Salaries and employee benefits | $2,090,000 | 1,189 |
| Premises and equipment expense | $473,000 | 1,373 |
| Additional noninterest expense | $920,000 | 1,431 |
| Pre-tax net operating income | $766,000 | 2,793 |
| Securities gains (losses) | $113,000 | 241 |
| Applicable income taxes | $279,000 | 2,111 |
| Income before extraordinary items | $600,000 | 2,743 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $600,000 | 2,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,562 |
| Cash dividends | $400,000 | 1,598 |
| Sale, conversion, retirement of capital stock, net | $114,000 | 301 |
| Net operating income | $523,160 | 3,033 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $29,863,000 | 1,107 |
| Total interest expense | $13,019,000 | 867 |
| Net interest income | $16,844,000 | 1,293 |
| Provision for loan and lease losses | $150,000 | 4,107 |
| Total noninterest income | $1,415,000 | 2,800 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $927,000 | 1,849 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $488,000 | 3,416 |
| Total noninterest expense | $13,537,000 | 1,268 |
| Salaries and employee benefits | $8,026,000 | 1,154 |
| Premises and equipment expense | $1,584,000 | 1,535 |
| Additional noninterest expense | $3,927,000 | 1,310 |
| Pre-tax net operating income | $4,572,000 | 1,999 |
| Securities gains (losses) | $327,000 | 387 |
| Applicable income taxes | $1,584,000 | 1,644 |
| Income before extraordinary items | $3,315,000 | 2,069 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,315,000 | 2,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,087 |
| Cash dividends | $1,200,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $423,000 | 554 |
| Net operating income | $3,092,640 | 2,159 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $22,149,000 | 1,082 |
| Total interest expense | $9,444,000 | 841 |
| Net interest income | $12,705,000 | 1,268 |
| Provision for loan and lease losses | $150,000 | 3,463 |
| Total noninterest income | $1,078,000 | 2,762 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $676,000 | 1,900 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $402,000 | 3,272 |
| Total noninterest expense | $10,331,000 | 1,245 |
| Salaries and employee benefits | $6,075,000 | 1,133 |
| Premises and equipment expense | $1,177,000 | 1,537 |
| Additional noninterest expense | $3,079,000 | 1,244 |
| Pre-tax net operating income | $3,302,000 | 2,068 |
| Securities gains (losses) | $234,000 | 439 |
| Applicable income taxes | $1,109,000 | 1,747 |
| Income before extraordinary items | $2,427,000 | 2,119 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,427,000 | 2,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,983 |
| Cash dividends | $900,000 | 1,943 |
| Sale, conversion, retirement of capital stock, net | $309,000 | 450 |
| Net operating income | $2,265,540 | 2,210 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $14,495,000 | 1,070 |
| Total interest expense | $6,134,000 | 818 |
| Net interest income | $8,361,000 | 1,278 |
| Provision for loan and lease losses | $100,000 | 3,338 |
| Total noninterest income | $656,000 | 2,912 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $442,000 | 1,900 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $214,000 | 3,652 |
| Total noninterest expense | $6,599,000 | 1,286 |
| Salaries and employee benefits | $3,987,000 | 1,142 |
| Premises and equipment expense | $796,000 | 1,515 |
| Additional noninterest expense | $1,816,000 | 1,369 |
| Pre-tax net operating income | $2,318,000 | 1,954 |
| Securities gains (losses) | $137,000 | 478 |
| Applicable income taxes | $728,000 | 1,743 |
| Income before extraordinary items | $1,727,000 | 1,972 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,727,000 | 1,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,863 |
| Cash dividends | $650,000 | 1,837 |
| Sale, conversion, retirement of capital stock, net | $197,000 | 366 |
| Net operating income | $1,631,100 | 2,036 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,114,000 | 1,067 |
| Total interest expense | $2,965,000 | 811 |
| Net interest income | $4,149,000 | 1,281 |
| Provision for loan and lease losses | $50,000 | 3,171 |
| Total noninterest income | $295,000 | 3,093 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $210,000 | 1,924 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $85,000 | 4,053 |
| Total noninterest expense | $3,170,000 | 1,347 |
| Salaries and employee benefits | $1,920,000 | 1,196 |
| Premises and equipment expense | $414,000 | 1,461 |
| Additional noninterest expense | $836,000 | 1,492 |
| Pre-tax net operating income | $1,224,000 | 1,846 |
| Securities gains (losses) | $20,000 | 797 |
| Applicable income taxes | $304,000 | 1,957 |
| Income before extraordinary items | $940,000 | 1,796 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $940,000 | 1,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,985 |
| Cash dividends | $300,000 | 1,719 |
| Sale, conversion, retirement of capital stock, net | $88,000 | 269 |
| Net operating income | $924,800 | 1,792 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $27,271,000 | 1,032 |
| Total interest expense | $11,719,000 | 703 |
| Net interest income | $15,552,000 | 1,300 |
| Provision for loan and lease losses | $100,000 | 4,964 |
| Total noninterest income | $1,045,000 | 3,437 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $570,000 | 2,824 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $475,000 | 3,410 |
| Total noninterest expense | $13,349,000 | 1,229 |
| Salaries and employee benefits | $7,659,000 | 1,122 |
| Premises and equipment expense | $1,281,000 | 1,797 |
| Additional noninterest expense | $4,409,000 | 1,112 |
| Pre-tax net operating income | $3,148,000 | 2,483 |
| Securities gains (losses) | $433,000 | 497 |
| Applicable income taxes | $1,279,000 | 1,818 |
| Income before extraordinary items | $2,302,000 | 2,594 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,302,000 | 2,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 8,664 |
| Cash dividends | $500,000 | 3,518 |
| Sale, conversion, retirement of capital stock, net | $-2,152,000 | 8,954 |
| Net operating income | $2,024,880 | 2,822 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $20,290,000 | 1,027 |
| Total interest expense | $8,749,000 | 692 |
| Net interest income | $11,541,000 | 1,300 |
| Provision for loan and lease losses | $100,000 | 4,260 |
| Total noninterest income | $765,000 | 3,515 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $424,000 | 2,861 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $341,000 | 3,482 |
| Total noninterest expense | $10,171,000 | 1,201 |
| Salaries and employee benefits | $5,742,000 | 1,116 |
| Premises and equipment expense | $958,000 | 1,806 |
| Additional noninterest expense | $3,471,000 | 1,062 |
| Pre-tax net operating income | $2,035,000 | 2,836 |
| Securities gains (losses) | $348,000 | 538 |
| Applicable income taxes | $857,000 | 2,007 |
| Income before extraordinary items | $1,526,000 | 2,908 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,526,000 | 2,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,546 |
| Cash dividends | $500,000 | 2,672 |
| Sale, conversion, retirement of capital stock, net | $-2,282,000 | 9,013 |
| Net operating income | $1,303,280 | 3,258 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $13,353,000 | 1,026 |
| Total interest expense | $5,772,000 | 685 |
| Net interest income | $7,581,000 | 1,310 |
| Provision for loan and lease losses | $100,000 | 3,453 |
| Total noninterest income | $497,000 | 3,587 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $278,000 | 2,883 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $219,000 | 3,572 |
| Total noninterest expense | $6,807,000 | 1,186 |
| Salaries and employee benefits | $3,782,000 | 1,146 |
| Premises and equipment expense | $655,000 | 1,759 |
| Additional noninterest expense | $2,370,000 | 1,044 |
| Pre-tax net operating income | $1,171,000 | 3,170 |
| Securities gains (losses) | $134,000 | 858 |
| Applicable income taxes | $476,000 | 2,279 |
| Income before extraordinary items | $829,000 | 3,437 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $829,000 | 3,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,509 |
| Cash dividends | $500,000 | 2,118 |
| Sale, conversion, retirement of capital stock, net | $210,000 | 337 |
| Net operating income | $743,240 | 3,630 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,709,000 | 1,036 |
| Total interest expense | $2,865,000 | 706 |
| Net interest income | $3,844,000 | 1,298 |
| Provision for loan and lease losses | $50,000 | 3,283 |
| Total noninterest income | $219,000 | 3,845 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $134,000 | 2,908 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $85,000 | 4,044 |
| Total noninterest expense | $3,532,000 | 1,151 |
| Salaries and employee benefits | $1,869,000 | 1,174 |
| Premises and equipment expense | $333,000 | 1,754 |
| Additional noninterest expense | $1,330,000 | 932 |
| Pre-tax net operating income | $481,000 | 3,627 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $181,000 | 2,741 |
| Income before extraordinary items | $300,000 | 4,261 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $300,000 | 4,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,405 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $95,000 | 260 |
| Net operating income | $300,000 | 4,140 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $28,013,000 | 1,001 |
| Total interest expense | $11,828,000 | 743 |
| Net interest income | $16,185,000 | 1,196 |
| Provision for loan and lease losses | $150,000 | 4,567 |
| Total noninterest income | $1,888,000 | 2,411 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $609,000 | 2,662 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,279,000 | 2,032 |
| Total noninterest expense | $12,414,000 | 1,310 |
| Salaries and employee benefits | $7,169,000 | 1,192 |
| Premises and equipment expense | $1,129,000 | 2,019 |
| Additional noninterest expense | $4,116,000 | 1,209 |
| Pre-tax net operating income | $5,509,000 | 1,499 |
| Securities gains (losses) | $-248,000 | 9,094 |
| Applicable income taxes | $2,401,000 | 1,108 |
| Income before extraordinary items | $2,860,000 | 2,121 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,860,000 | 2,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-47,000 | 8,922 |
| Cash dividends | $2,237,000 | 1,263 |
| Sale, conversion, retirement of capital stock, net | $-715,000 | 9,146 |
| Net operating income | $3,018,720 | 1,941 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $21,425,000 | 1,009 |
| Total interest expense | $8,945,000 | 772 |
| Net interest income | $12,480,000 | 1,179 |
| Provision for loan and lease losses | $100,000 | 4,641 |
| Total noninterest income | $1,604,000 | 2,248 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $463,000 | 2,653 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,141,000 | 1,874 |
| Total noninterest expense | $9,373,000 | 1,307 |
| Salaries and employee benefits | $5,353,000 | 1,202 |
| Premises and equipment expense | $843,000 | 2,039 |
| Additional noninterest expense | $3,177,000 | 1,194 |
| Pre-tax net operating income | $4,611,000 | 1,402 |
| Securities gains (losses) | $-248,000 | 9,163 |
| Applicable income taxes | $2,055,000 | 1,038 |
| Income before extraordinary items | $2,308,000 | 2,066 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,308,000 | 2,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,605 |
| Cash dividends | $2,237,000 | 928 |
| Sale, conversion, retirement of capital stock, net | $-839,000 | 9,208 |
| Net operating income | $2,466,720 | 1,848 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $14,593,000 | 996 |
| Total interest expense | $6,030,000 | 798 |
| Net interest income | $8,563,000 | 1,144 |
| Provision for loan and lease losses | $50,000 | 5,111 |
| Total noninterest income | $1,322,000 | 1,895 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $307,000 | 2,603 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,015,000 | 1,504 |
| Total noninterest expense | $6,431,000 | 1,269 |
| Salaries and employee benefits | $3,622,000 | 1,183 |
| Premises and equipment expense | $572,000 | 1,999 |
| Additional noninterest expense | $2,237,000 | 1,131 |
| Pre-tax net operating income | $3,404,000 | 1,248 |
| Securities gains (losses) | $-118,000 | 9,201 |
| Applicable income taxes | $1,663,000 | 907 |
| Income before extraordinary items | $1,623,000 | 1,961 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,623,000 | 1,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,848 |
| Cash dividends | $2,237,000 | 672 |
| Sale, conversion, retirement of capital stock, net | $-944,000 | 9,247 |
| Net operating income | $1,698,520 | 1,777 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $7,559,000 | 968 |
| Total interest expense | $3,074,000 | 800 |
| Net interest income | $4,485,000 | 1,093 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $920,000 | 1,419 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $148,000 | 2,606 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $772,000 | 1,078 |
| Total noninterest expense | $3,461,000 | 1,161 |
| Salaries and employee benefits | $1,850,000 | 1,141 |
| Premises and equipment expense | $303,000 | 1,888 |
| Additional noninterest expense | $1,308,000 | 939 |
| Pre-tax net operating income | $1,944,000 | 1,115 |
| Securities gains (losses) | $-113,000 | 9,265 |
| Applicable income taxes | $1,485,000 | 569 |
| Income before extraordinary items | $346,000 | 3,835 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $346,000 | 3,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,455 |
| Cash dividends | $1,237,000 | 573 |
| Sale, conversion, retirement of capital stock, net | $-1,128,000 | 9,304 |
| Net operating income | $418,320 | 3,187 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $30,170,000 | 1,018 |
| Total interest expense | $13,254,000 | 858 |
| Net interest income | $16,916,000 | 1,149 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $850,000 | 3,846 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $535,000 | 2,813 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $315,000 | 4,157 |
| Total noninterest expense | $10,694,000 | 1,437 |
| Salaries and employee benefits | $6,306,000 | 1,291 |
| Premises and equipment expense | $1,090,000 | 2,012 |
| Additional noninterest expense | $3,298,000 | 1,438 |
| Pre-tax net operating income | $7,072,000 | 1,195 |
| Securities gains (losses) | $-685,000 | 9,285 |
| Applicable income taxes | $2,406,000 | 1,113 |
| Income before extraordinary items | $3,981,000 | 1,538 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,981,000 | 1,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,572 |
| Cash dividends | $3,700,000 | 790 |
| Sale, conversion, retirement of capital stock, net | $-2,024,000 | 9,335 |
| Net operating income | $4,419,400 | 1,361 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $29,703,000 | 1,143 |
| Total interest expense | $15,970,000 | 1,017 |
| Net interest income | $13,733,000 | 1,293 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $707,000 | 4,162 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $707,000 | 2,558 |
| Total noninterest expense | $10,307,000 | 1,419 |
| Salaries and employee benefits | $5,793,000 | 1,283 |
| Premises and equipment expense | $1,185,000 | 1,817 |
| Additional noninterest expense | $3,329,000 | 1,404 |
| Pre-tax net operating income | $4,133,000 | 1,721 |
| Securities gains (losses) | $368,000 | 773 |
| Applicable income taxes | $1,620,000 | 1,400 |
| Income before extraordinary items | $2,881,000 | 1,820 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,881,000 | 1,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-209,000 | 9,557 |
| Cash dividends | $2,000,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $336,000 | 534 |
| Net operating income | $2,645,480 | 1,904 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $30,266,000 | 1,167 |
| Total interest expense | $16,178,000 | 1,081 |
| Net interest income | $14,088,000 | 1,241 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $601,000 | 4,404 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $424,000 | 3,098 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $177,000 | 5,078 |
| Total noninterest expense | $9,988,000 | 1,388 |
| Salaries and employee benefits | $5,605,000 | 1,257 |
| Premises and equipment expense | $1,174,000 | 1,785 |
| Additional noninterest expense | $3,209,000 | 1,398 |
| Pre-tax net operating income | $4,701,000 | 1,572 |
| Securities gains (losses) | $821,000 | 182 |
| Applicable income taxes | $1,973,000 | 1,166 |
| Income before extraordinary items | $3,549,000 | 1,490 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,549,000 | 1,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-108,000 | 9,758 |
| Cash dividends | $4,504,000 | 682 |
| Sale, conversion, retirement of capital stock, net | $183,000 | 650 |
| Net operating income | $3,023,560 | 1,733 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $25,558,000 | 1,276 |
| Total interest expense | $12,624,000 | 1,201 |
| Net interest income | $12,934,000 | 1,354 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $687,000 | 4,041 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $417,000 | 3,106 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $270,000 | 4,263 |
| Total noninterest expense | $8,537,000 | 1,608 |
| Salaries and employee benefits | $4,642,000 | 1,492 |
| Premises and equipment expense | $1,319,000 | 1,556 |
| Additional noninterest expense | $2,576,000 | 1,729 |
| Pre-tax net operating income | $5,084,000 | 1,483 |
| Securities gains (losses) | $1,062,000 | 208 |
| Applicable income taxes | $2,388,000 | 1,057 |
| Income before extraordinary items | $3,758,000 | 1,420 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,758,000 | 1,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 9,726 |
| Cash dividends | $3,011,000 | 954 |
| Sale, conversion, retirement of capital stock, net | $141,000 | 756 |
| Net operating income | $3,078,320 | 1,704 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $26,482,000 | 1,224 |
| Total interest expense | $14,484,000 | 1,079 |
| Net interest income | $11,998,000 | 1,404 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $650,000 | 4,167 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $447,000 | 2,838 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $203,000 | 4,918 |
| Total noninterest expense | $8,788,000 | 1,511 |
| Salaries and employee benefits | $4,269,000 | 1,547 |
| Premises and equipment expense | $1,342,000 | 1,465 |
| Additional noninterest expense | $3,177,000 | 1,382 |
| Pre-tax net operating income | $3,860,000 | 1,892 |
| Securities gains (losses) | $1,065,000 | 368 |
| Applicable income taxes | $1,986,000 | 1,278 |
| Income before extraordinary items | $2,939,000 | 1,794 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,939,000 | 1,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-68,000 | 10,162 |
| Cash dividends | $629,000 | 3,041 |
| Sale, conversion, retirement of capital stock, net | $80,000 | 801 |
| Net operating income | $2,257,400 | 2,217 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $24,294,000 | 1,365 |
| Total interest expense | $12,858,000 | 1,240 |
| Net interest income | $11,436,000 | 1,501 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $922,000 | 3,252 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $489,000 | 2,683 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $433,000 | 3,120 |
| Total noninterest expense | $8,440,000 | 1,564 |
| Salaries and employee benefits | $4,281,000 | 1,525 |
| Premises and equipment expense | $1,204,000 | 1,628 |
| Additional noninterest expense | $2,955,000 | 1,461 |
| Pre-tax net operating income | $3,918,000 | 1,917 |
| Securities gains (losses) | $361,000 | 511 |
| Applicable income taxes | $1,482,000 | 1,721 |
| Income before extraordinary items | $2,797,000 | 1,883 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,797,000 | 1,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,735 |
| Cash dividends | $629,000 | 2,986 |
| Sale, conversion, retirement of capital stock, net | $143,000 | 721 |
| Net operating income | $2,562,350 | 2,010 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $23,038,000 | 1,464 |
| Total interest expense | $11,651,000 | 1,392 |
| Net interest income | $11,387,000 | 1,562 |
| Provision for loan and lease losses | $30,000 | 7,397 |
| Total noninterest income | $1,227,000 | 2,642 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $540,000 | 2,516 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $687,000 | 2,330 |
| Total noninterest expense | $10,311,000 | 1,389 |
| Salaries and employee benefits | $4,396,000 | 1,517 |
| Premises and equipment expense | $1,296,000 | 1,568 |
| Additional noninterest expense | $4,619,000 | 1,208 |
| Pre-tax net operating income | $2,273,000 | 3,066 |
| Securities gains (losses) | $44,000 | 1,419 |
| Applicable income taxes | $437,000 | 4,603 |
| Income before extraordinary items | $1,880,000 | 2,587 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,880,000 | 2,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 2,738 |
| Cash dividends | $157,000 | 5,911 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 713 |
| Net operating income | $1,844,360 | 2,591 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $22,722,000 | 1,502 |
| Total interest expense | $11,713,000 | 1,396 |
| Net interest income | $11,009,000 | 1,632 |
| Provision for loan and lease losses | $465,000 | 1,671 |
| Total noninterest income | $1,073,000 | 2,948 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $617,000 | 2,194 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $456,000 | 3,045 |
| Total noninterest expense | $9,680,000 | 1,468 |
| Salaries and employee benefits | $4,443,000 | 1,494 |
| Premises and equipment expense | $1,490,000 | 1,387 |
| Additional noninterest expense | $3,747,000 | 1,411 |
| Pre-tax net operating income | $1,937,000 | 3,595 |
| Securities gains (losses) | $186,000 | 701 |
| Applicable income taxes | $205,000 | 7,326 |
| Income before extraordinary items | $1,918,000 | 2,601 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,918,000 | 2,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,798 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $486,000 | 385 |
| Net operating income | $1,750,600 | 2,781 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $16,752,000 | 1,839 |
| Total interest expense | $7,266,000 | 1,727 |
| Net interest income | $9,486,000 | 1,903 |
| Provision for loan and lease losses | $1,049,000 | 896 |
| Total noninterest income | $588,000 | 4,729 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $358,000 | 3,756 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $230,000 | 4,815 |
| Total noninterest expense | $8,628,000 | 1,699 |
| Salaries and employee benefits | $3,734,000 | 1,803 |
| Premises and equipment expense | $1,153,000 | 1,783 |
| Additional noninterest expense | $3,741,000 | 1,498 |
| Pre-tax net operating income | $397,000 | 9,400 |
| Securities gains (losses) | $47,000 | 1,192 |
| Applicable income taxes | $54,000 | 10,369 |
| Income before extraordinary items | $390,000 | 8,279 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $390,000 | 8,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,551,000 | 671 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 894 |
| Net operating income | $348,640 | 8,701 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $16,234,000 | 1,927 |
| Total interest expense | $6,503,000 | 1,992 |
| Net interest income | $9,731,000 | 1,853 |
| Provision for loan and lease losses | $1,050,000 | 1,253 |
| Total noninterest income | $658,000 | 4,637 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $272,000 | 4,796 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $386,000 | 3,839 |
| Total noninterest expense | $9,226,000 | 1,638 |
| Salaries and employee benefits | $3,451,000 | 1,929 |
| Premises and equipment expense | $1,076,000 | 1,925 |
| Additional noninterest expense | $4,699,000 | 1,334 |
| Pre-tax net operating income | $113,000 | 11,770 |
| Securities gains (losses) | $578,000 | 807 |
| Applicable income taxes | $274,000 | 6,421 |
| Income before extraordinary items | $417,000 | 8,264 |
| Extraordinary gains, net | $500,000 | 465 |
| Net income | $917,000 | 5,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,669,000 | 807 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $241,000 | 747 |
| Net operating income | $47,080 | 12,130 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $19,430,000 | 1,828 |
| Total interest expense | $9,207,000 | 1,839 |
| Net interest income | $10,223,000 | 1,788 |
| Provision for loan and lease losses | $3,800,000 | 704 |
| Total noninterest income | $635,000 | 4,763 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $264,000 | 4,928 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $371,000 | 3,882 |
| Total noninterest expense | $8,538,000 | 1,779 |
| Salaries and employee benefits | $3,040,000 | 2,160 |
| Premises and equipment expense | $1,249,000 | 1,699 |
| Additional noninterest expense | $4,249,000 | 1,524 |
| Pre-tax net operating income | $-1,480,000 | 13,570 |
| Securities gains (losses) | $35,000 | 4,733 |
| Applicable income taxes | $227,000 | 7,050 |
| Income before extraordinary items | $-1,672,000 | 13,644 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-1,672,000 | 13,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,356,000 | 869 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $-238,000 | 13,845 |
| Net operating income | $-1,707,000 | 13,593 |
* 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.