Home > Central Kentucky Federal Savings Bank > Income and Expense
Central Kentucky Federal Savings Bank, Income and Expense
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $5,826,000 | 3,908 |
| Total interest expense | $1,547,000 | 2,643 |
| Net interest income | $4,279,000 | 4,236 |
| Provision for loan and lease losses | $560,000 | 2,563 |
| Total noninterest income | $68,000 | 6,526 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $87,000 | 5,627 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-19,000 | 6,622 |
| Total noninterest expense | $3,200,000 | 4,582 |
| Salaries and employee benefits | $1,808,000 | 4,391 |
| Premises and equipment expense | $287,000 | 5,057 |
| Additional noninterest expense | $1,105,000 | 4,551 |
| Pre-tax net operating income | $587,000 | 4,734 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $200,000 | 3,008 |
| Income before extraordinary items | $387,000 | 5,235 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $387,000 | 5,232 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $387,000 | 5,233 |
| Net charge-offs | $529,000 | 2,580 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $387,000 | 5,037 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $4,474,000 | 3,924 |
| Total interest expense | $1,195,000 | 2,680 |
| Net interest income | $3,279,000 | 4,236 |
| Provision for loan and lease losses | $450,000 | 2,400 |
| Total noninterest income | $6,000 | 6,900 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $65,000 | 5,698 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-59,000 | 6,863 |
| Total noninterest expense | $2,423,000 | 4,588 |
| Salaries and employee benefits | $1,349,000 | 4,423 |
| Premises and equipment expense | $218,000 | 5,104 |
| Additional noninterest expense | $856,000 | 4,510 |
| Pre-tax net operating income | $412,000 | 4,949 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $140,000 | 3,130 |
| Income before extraordinary items | $272,000 | 5,439 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $272,000 | 5,438 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $272,000 | 5,438 |
| Net charge-offs | $506,000 | 2,175 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $272,000 | 5,248 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,041,000 | 3,892 |
| Total interest expense | $814,000 | 2,734 |
| Net interest income | $2,227,000 | 4,199 |
| Provision for loan and lease losses | $300,000 | 2,388 |
| Total noninterest income | $-56,000 | 7,081 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $42,000 | 5,758 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-98,000 | 7,003 |
| Total noninterest expense | $1,656,000 | 4,554 |
| Salaries and employee benefits | $907,000 | 4,420 |
| Premises and equipment expense | $134,000 | 5,263 |
| Additional noninterest expense | $615,000 | 4,340 |
| Pre-tax net operating income | $215,000 | 5,218 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $73,000 | 3,299 |
| Income before extraordinary items | $142,000 | 5,679 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $142,000 | 5,678 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $142,000 | 5,678 |
| Net charge-offs | $347,000 | 2,162 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $142,000 | 5,498 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,552,000 | 3,883 |
| Total interest expense | $413,000 | 2,804 |
| Net interest income | $1,139,000 | 4,162 |
| Provision for loan and lease losses | $180,000 | 2,114 |
| Total noninterest income | $31,000 | 6,338 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $0 | 7,087 |
| Trading account gains and fees | $22,000 | 118 |
| Additional Noninterest Income | $9,000 | 6,296 |
| Total noninterest expense | $801,000 | 4,655 |
| Salaries and employee benefits | $457,000 | 4,427 |
| Premises and equipment expense | $66,000 | 5,331 |
| Additional noninterest expense | $278,000 | 4,574 |
| Pre-tax net operating income | $189,000 | 4,601 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $64,000 | 2,841 |
| Income before extraordinary items | $125,000 | 5,099 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $125,000 | 5,101 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $125,000 | 5,102 |
| Net charge-offs | $125,000 | 2,266 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $125,000 | 4,954 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $6,375,000 | 3,905 |
| Total interest expense | $1,987,000 | 2,794 |
| Net interest income | $4,388,000 | 4,278 |
| Provision for loan and lease losses | $725,000 | 2,882 |
| Total noninterest income | $91,000 | 6,500 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $149,000 | 4,906 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-58,000 | 6,839 |
| Total noninterest expense | $4,240,000 | 3,955 |
| Salaries and employee benefits | $1,828,000 | 4,402 |
| Premises and equipment expense | $569,000 | 3,712 |
| Additional noninterest expense | $1,843,000 | 3,357 |
| Pre-tax net operating income | $-486,000 | 6,400 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $210,000 | 2,857 |
| Income before extraordinary items | $-696,000 | 6,555 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-696,000 | 6,555 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-696,000 | 6,554 |
| Net charge-offs | $655,000 | 2,857 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-696,000 | 6,527 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,788,000 | 3,935 |
| Total interest expense | $1,530,000 | 2,833 |
| Net interest income | $3,258,000 | 4,339 |
| Provision for loan and lease losses | $600,000 | 2,633 |
| Total noninterest income | $83,000 | 6,423 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 4,890 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-31,000 | 6,980 |
| Total noninterest expense | $2,330,000 | 4,791 |
| Salaries and employee benefits | $1,365,000 | 4,410 |
| Premises and equipment expense | $435,000 | 3,710 |
| Additional noninterest expense | $530,000 | 5,713 |
| Pre-tax net operating income | $411,000 | 4,736 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $141,000 | 2,956 |
| Income before extraordinary items | $270,000 | 5,188 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $270,000 | 5,189 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $270,000 | 5,189 |
| Net charge-offs | $534,000 | 2,590 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $270,000 | 5,069 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,185,000 | 3,967 |
| Total interest expense | $1,034,000 | 2,881 |
| Net interest income | $2,151,000 | 4,368 |
| Provision for loan and lease losses | $450,000 | 2,433 |
| Total noninterest income | $75,000 | 6,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 4,960 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,000 | 6,876 |
| Total noninterest expense | $1,546,000 | 4,862 |
| Salaries and employee benefits | $906,000 | 4,462 |
| Premises and equipment expense | $288,000 | 3,759 |
| Additional noninterest expense | $352,000 | 5,789 |
| Pre-tax net operating income | $230,000 | 4,944 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $79,000 | 3,045 |
| Income before extraordinary items | $151,000 | 5,354 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $151,000 | 5,353 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $151,000 | 5,354 |
| Net charge-offs | $400,000 | 2,361 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $151,000 | 5,263 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,580,000 | 4,018 |
| Total interest expense | $524,000 | 2,930 |
| Net interest income | $1,056,000 | 4,411 |
| Provision for loan and lease losses | $225,000 | 2,264 |
| Total noninterest income | $50,000 | 5,944 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 4,928 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $14,000 | 6,135 |
| Total noninterest expense | $784,000 | 4,851 |
| Salaries and employee benefits | $458,000 | 4,464 |
| Premises and equipment expense | $144,000 | 3,809 |
| Additional noninterest expense | $182,000 | 5,752 |
| Pre-tax net operating income | $97,000 | 5,174 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $33,000 | 3,121 |
| Income before extraordinary items | $64,000 | 5,497 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $64,000 | 5,495 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $64,000 | 5,496 |
| Net charge-offs | $306,000 | 1,731 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $64,000 | 5,448 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $6,795,000 | 3,988 |
| Total interest expense | $2,399,000 | 3,096 |
| Net interest income | $4,396,000 | 4,311 |
| Provision for loan and lease losses | $780,000 | 3,428 |
| Total noninterest income | $-96,000 | 7,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-96,000 | 7,192 |
| Total noninterest expense | $3,060,000 | 4,976 |
| Salaries and employee benefits | $1,755,000 | 4,599 |
| Premises and equipment expense | $568,000 | 3,862 |
| Additional noninterest expense | $737,000 | 5,791 |
| Pre-tax net operating income | $460,000 | 4,470 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $158,000 | 2,891 |
| Income before extraordinary items | $302,000 | 4,931 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $302,000 | 4,934 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $302,000 | 4,934 |
| Net charge-offs | $902,000 | 2,833 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $302,000 | 4,787 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,149,000 | 4,036 |
| Total interest expense | $1,836,000 | 3,165 |
| Net interest income | $3,313,000 | 4,350 |
| Provision for loan and lease losses | $600,000 | 3,239 |
| Total noninterest income | $-21,000 | 7,477 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-21,000 | 7,267 |
| Total noninterest expense | $2,279,000 | 5,007 |
| Salaries and employee benefits | $1,293,000 | 4,682 |
| Premises and equipment expense | $432,000 | 3,884 |
| Additional noninterest expense | $554,000 | 5,825 |
| Pre-tax net operating income | $413,000 | 4,462 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $142,000 | 2,840 |
| Income before extraordinary items | $271,000 | 4,992 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $271,000 | 4,994 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $271,000 | 4,995 |
| Net charge-offs | $778,000 | 2,495 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $271,000 | 4,803 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,438,000 | 4,072 |
| Total interest expense | $1,260,000 | 3,193 |
| Net interest income | $2,178,000 | 4,389 |
| Provision for loan and lease losses | $360,000 | 3,339 |
| Total noninterest income | $-26,000 | 7,577 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-26,000 | 7,399 |
| Total noninterest expense | $1,516,000 | 5,043 |
| Salaries and employee benefits | $869,000 | 4,689 |
| Premises and equipment expense | $289,000 | 3,911 |
| Additional noninterest expense | $358,000 | 5,903 |
| Pre-tax net operating income | $276,000 | 4,523 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $95,000 | 2,832 |
| Income before extraordinary items | $181,000 | 5,020 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $181,000 | 5,022 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $181,000 | 5,021 |
| Net charge-offs | $506,000 | 2,430 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $181,000 | 4,868 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,708,000 | 4,142 |
| Total interest expense | $645,000 | 3,253 |
| Net interest income | $1,063,000 | 4,489 |
| Provision for loan and lease losses | $180,000 | 3,129 |
| Total noninterest income | $54,000 | 6,024 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $54,000 | 4,552 |
| Total noninterest expense | $765,000 | 5,056 |
| Salaries and employee benefits | $435,000 | 4,750 |
| Premises and equipment expense | $146,000 | 3,946 |
| Additional noninterest expense | $184,000 | 5,893 |
| Pre-tax net operating income | $172,000 | 4,328 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $59,000 | 2,663 |
| Income before extraordinary items | $113,000 | 4,811 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $113,000 | 4,811 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $113,000 | 4,810 |
| Net charge-offs | $194,000 | 2,466 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $113,000 | 4,702 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,523,000 | 3,989 |
| Total interest expense | $3,376,000 | 3,132 |
| Net interest income | $4,147,000 | 4,476 |
| Provision for loan and lease losses | $730,000 | 3,974 |
| Total noninterest income | $9,000 | 7,647 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $9,000 | 7,208 |
| Total noninterest expense | $3,191,000 | 5,004 |
| Salaries and employee benefits | $1,772,000 | 4,705 |
| Premises and equipment expense | $584,000 | 3,947 |
| Additional noninterest expense | $835,000 | 5,718 |
| Pre-tax net operating income | $235,000 | 4,694 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $76,000 | 3,027 |
| Income before extraordinary items | $159,000 | 4,954 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $159,000 | 4,956 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $159,000 | 4,956 |
| Net charge-offs | $620,000 | 3,518 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $159,000 | 4,888 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,777,000 | 3,981 |
| Total interest expense | $2,657,000 | 3,150 |
| Net interest income | $3,120,000 | 4,472 |
| Provision for loan and lease losses | $270,000 | 4,739 |
| Total noninterest income | $-14,000 | 7,868 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-14,000 | 7,684 |
| Total noninterest expense | $2,411,000 | 4,988 |
| Salaries and employee benefits | $1,325,000 | 4,750 |
| Premises and equipment expense | $441,000 | 3,975 |
| Additional noninterest expense | $645,000 | 5,645 |
| Pre-tax net operating income | $425,000 | 4,111 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $141,000 | 2,615 |
| Income before extraordinary items | $284,000 | 4,492 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $284,000 | 4,491 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $284,000 | 4,493 |
| Net charge-offs | $373,000 | 3,427 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $284,000 | 4,415 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,947,000 | 3,942 |
| Total interest expense | $1,880,000 | 3,116 |
| Net interest income | $2,067,000 | 4,488 |
| Provision for loan and lease losses | $150,000 | 4,729 |
| Total noninterest income | $-51,000 | 8,016 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-51,000 | 7,914 |
| Total noninterest expense | $1,628,000 | 4,994 |
| Salaries and employee benefits | $876,000 | 4,822 |
| Premises and equipment expense | $300,000 | 3,930 |
| Additional noninterest expense | $452,000 | 5,523 |
| Pre-tax net operating income | $238,000 | 4,433 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $78,000 | 2,816 |
| Income before extraordinary items | $160,000 | 4,797 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $160,000 | 4,794 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $160,000 | 4,794 |
| Net charge-offs | $267,000 | 3,071 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $160,000 | 4,704 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,014,000 | 3,920 |
| Total interest expense | $984,000 | 3,090 |
| Net interest income | $1,030,000 | 4,497 |
| Provision for loan and lease losses | $75,000 | 4,299 |
| Total noninterest income | $39,000 | 6,695 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $39,000 | 5,236 |
| Total noninterest expense | $776,000 | 5,060 |
| Salaries and employee benefits | $445,000 | 4,833 |
| Premises and equipment expense | $151,000 | 3,954 |
| Additional noninterest expense | $180,000 | 5,862 |
| Pre-tax net operating income | $218,000 | 3,894 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $72,000 | 2,518 |
| Income before extraordinary items | $146,000 | 4,400 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $146,000 | 4,403 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $146,000 | 4,403 |
| Net charge-offs | $131,000 | 2,561 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $146,000 | 4,240 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $8,825,000 | 3,852 |
| Total interest expense | $4,939,000 | 2,988 |
| Net interest income | $3,886,000 | 4,668 |
| Provision for loan and lease losses | $636,000 | 3,403 |
| Total noninterest income | $130,000 | 7,028 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $130,000 | 5,541 |
| Total noninterest expense | $3,023,000 | 5,090 |
| Salaries and employee benefits | $1,750,000 | 4,884 |
| Premises and equipment expense | $606,000 | 3,906 |
| Additional noninterest expense | $667,000 | 5,947 |
| Pre-tax net operating income | $357,000 | 5,259 |
| Securities gains (losses) | $-1,591,000 | 7,835 |
| Applicable income taxes | $-417,000 | 7,426 |
| Income before extraordinary items | $-817,000 | 6,902 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-817,000 | 6,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $368,000 | 3,242 |
| Cash dividends | $2,000,000 | 1,337 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $233,060 | 5,515 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,749,000 | 3,861 |
| Total interest expense | $3,840,000 | 3,008 |
| Net interest income | $2,909,000 | 4,707 |
| Provision for loan and lease losses | $120,000 | 4,934 |
| Total noninterest income | $123,000 | 6,873 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $123,000 | 5,265 |
| Total noninterest expense | $2,252,000 | 5,099 |
| Salaries and employee benefits | $1,312,000 | 4,887 |
| Premises and equipment expense | $454,000 | 3,912 |
| Additional noninterest expense | $486,000 | 5,980 |
| Pre-tax net operating income | $660,000 | 4,465 |
| Securities gains (losses) | $-1,591,000 | 8,008 |
| Applicable income taxes | $-313,000 | 7,748 |
| Income before extraordinary items | $-618,000 | 7,280 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-618,000 | 7,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 2,935 |
| Cash dividends | $1,125,000 | 1,661 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $432,060 | 4,835 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,605,000 | 3,859 |
| Total interest expense | $2,665,000 | 3,017 |
| Net interest income | $1,940,000 | 4,719 |
| Provision for loan and lease losses | $60,000 | 4,901 |
| Total noninterest income | $66,000 | 7,200 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $66,000 | 5,727 |
| Total noninterest expense | $1,502,000 | 5,119 |
| Salaries and employee benefits | $880,000 | 4,904 |
| Premises and equipment expense | $306,000 | 3,916 |
| Additional noninterest expense | $316,000 | 6,051 |
| Pre-tax net operating income | $444,000 | 4,588 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $151,000 | 3,002 |
| Income before extraordinary items | $293,000 | 5,041 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $293,000 | 5,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,450 |
| Cash dividends | $725,000 | 1,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $293,000 | 4,982 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,364,000 | 3,854 |
| Total interest expense | $1,386,000 | 3,092 |
| Net interest income | $978,000 | 4,694 |
| Provision for loan and lease losses | $24,000 | 4,755 |
| Total noninterest income | $43,000 | 6,875 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $43,000 | 5,319 |
| Total noninterest expense | $762,000 | 5,083 |
| Salaries and employee benefits | $447,000 | 4,911 |
| Premises and equipment expense | $153,000 | 3,924 |
| Additional noninterest expense | $162,000 | 5,974 |
| Pre-tax net operating income | $235,000 | 4,646 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $80,000 | 3,051 |
| Income before extraordinary items | $155,000 | 5,163 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $155,000 | 5,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 1,659 |
| Cash dividends | $725,000 | 997 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $155,000 | 5,061 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $10,229,000 | 3,725 |
| Total interest expense | $5,949,000 | 3,021 |
| Net interest income | $4,280,000 | 4,433 |
| Provision for loan and lease losses | $766,000 | 1,723 |
| Total noninterest income | $192,000 | 6,799 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $192,000 | 5,146 |
| Total noninterest expense | $2,800,000 | 5,226 |
| Salaries and employee benefits | $1,749,000 | 4,843 |
| Premises and equipment expense | $572,000 | 3,968 |
| Additional noninterest expense | $479,000 | 6,678 |
| Pre-tax net operating income | $906,000 | 4,940 |
| Securities gains (losses) | $244,000 | 406 |
| Applicable income taxes | $398,000 | 3,035 |
| Income before extraordinary items | $752,000 | 4,916 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $752,000 | 4,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $559,000 | 1,563 |
| Cash dividends | $925,000 | 2,764 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $593,400 | 5,351 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,717,000 | 3,706 |
| Total interest expense | $4,478,000 | 3,013 |
| Net interest income | $3,239,000 | 4,429 |
| Provision for loan and lease losses | $72,000 | 4,634 |
| Total noninterest income | $149,000 | 6,788 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $149,000 | 5,104 |
| Total noninterest expense | $2,107,000 | 5,193 |
| Salaries and employee benefits | $1,311,000 | 4,819 |
| Premises and equipment expense | $435,000 | 3,922 |
| Additional noninterest expense | $361,000 | 6,654 |
| Pre-tax net operating income | $1,209,000 | 3,927 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $416,000 | 2,761 |
| Income before extraordinary items | $793,000 | 4,367 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $793,000 | 4,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $317,000 | 1,489 |
| Cash dividends | $925,000 | 2,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $793,000 | 4,359 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,159,000 | 3,711 |
| Total interest expense | $2,992,000 | 3,018 |
| Net interest income | $2,167,000 | 4,445 |
| Provision for loan and lease losses | $48,000 | 4,431 |
| Total noninterest income | $104,000 | 6,789 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $104,000 | 5,056 |
| Total noninterest expense | $1,402,000 | 5,230 |
| Salaries and employee benefits | $877,000 | 4,837 |
| Premises and equipment expense | $295,000 | 3,892 |
| Additional noninterest expense | $230,000 | 6,790 |
| Pre-tax net operating income | $821,000 | 3,963 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $283,000 | 2,804 |
| Income before extraordinary items | $538,000 | 4,400 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $538,000 | 4,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 2,522 |
| Cash dividends | $475,000 | 2,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $538,000 | 4,396 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,575,000 | 3,700 |
| Total interest expense | $1,490,000 | 3,000 |
| Net interest income | $1,085,000 | 4,457 |
| Provision for loan and lease losses | $24,000 | 4,189 |
| Total noninterest income | $54,000 | 6,707 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $54,000 | 4,958 |
| Total noninterest expense | $706,000 | 5,227 |
| Salaries and employee benefits | $444,000 | 4,830 |
| Premises and equipment expense | $145,000 | 3,949 |
| Additional noninterest expense | $117,000 | 6,762 |
| Pre-tax net operating income | $409,000 | 3,937 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $141,000 | 2,811 |
| Income before extraordinary items | $268,000 | 4,408 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $268,000 | 4,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 2,637 |
| Cash dividends | $475,000 | 1,484 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $268,000 | 4,396 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $10,198,000 | 3,519 |
| Total interest expense | $5,553,000 | 2,772 |
| Net interest income | $4,645,000 | 4,244 |
| Provision for loan and lease losses | $96,000 | 4,805 |
| Total noninterest income | $312,000 | 6,099 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $312,000 | 4,230 |
| Total noninterest expense | $2,681,000 | 5,261 |
| Salaries and employee benefits | $1,645,000 | 4,895 |
| Premises and equipment expense | $536,000 | 4,074 |
| Additional noninterest expense | $500,000 | 6,539 |
| Pre-tax net operating income | $2,180,000 | 3,449 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $752,000 | 2,563 |
| Income before extraordinary items | $1,428,000 | 3,883 |
| Extraordinary gains, net | $33,000 | 39 |
| Net income | $1,461,000 | 3,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,380 |
| Cash dividends | $2,000,000 | 1,524 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,428,000 | 3,862 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,594,000 | 3,523 |
| Total interest expense | $4,061,000 | 2,741 |
| Net interest income | $3,533,000 | 4,216 |
| Provision for loan and lease losses | $72,000 | 4,622 |
| Total noninterest income | $224,000 | 6,244 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $224,000 | 4,294 |
| Total noninterest expense | $2,001,000 | 5,263 |
| Salaries and employee benefits | $1,217,000 | 4,922 |
| Premises and equipment expense | $402,000 | 4,096 |
| Additional noninterest expense | $382,000 | 6,503 |
| Pre-tax net operating income | $1,684,000 | 3,509 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $580,000 | 2,649 |
| Income before extraordinary items | $1,104,000 | 3,927 |
| Extraordinary gains, net | $33,000 | 34 |
| Net income | $1,137,000 | 3,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,016 |
| Cash dividends | $1,425,000 | 1,506 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,104,000 | 3,915 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,978,000 | 3,506 |
| Total interest expense | $2,602,000 | 2,725 |
| Net interest income | $2,376,000 | 4,187 |
| Provision for loan and lease losses | $48,000 | 4,517 |
| Total noninterest income | $159,000 | 6,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $159,000 | 4,188 |
| Total noninterest expense | $1,331,000 | 5,285 |
| Salaries and employee benefits | $810,000 | 4,951 |
| Premises and equipment expense | $265,000 | 4,128 |
| Additional noninterest expense | $256,000 | 6,510 |
| Pre-tax net operating income | $1,156,000 | 3,439 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $397,000 | 2,627 |
| Income before extraordinary items | $759,000 | 3,860 |
| Extraordinary gains, net | $33,000 | 29 |
| Net income | $792,000 | 3,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,447 |
| Cash dividends | $925,000 | 1,543 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $759,000 | 3,849 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,448,000 | 3,497 |
| Total interest expense | $1,247,000 | 2,719 |
| Net interest income | $1,201,000 | 4,154 |
| Provision for loan and lease losses | $24,000 | 4,343 |
| Total noninterest income | $74,000 | 6,226 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $74,000 | 4,319 |
| Total noninterest expense | $660,000 | 5,318 |
| Salaries and employee benefits | $411,000 | 4,921 |
| Premises and equipment expense | $128,000 | 4,229 |
| Additional noninterest expense | $121,000 | 6,613 |
| Pre-tax net operating income | $591,000 | 3,348 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $203,000 | 2,586 |
| Income before extraordinary items | $388,000 | 3,774 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $388,000 | 3,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $475,000 | 1,432 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $388,000 | 3,759 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,066,000 | 3,406 |
| Total interest expense | $4,095,000 | 2,604 |
| Net interest income | $4,971,000 | 3,967 |
| Provision for loan and lease losses | $60,000 | 5,443 |
| Total noninterest income | $281,000 | 6,449 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $281,000 | 4,481 |
| Total noninterest expense | $2,563,000 | 5,302 |
| Salaries and employee benefits | $1,577,000 | 4,891 |
| Premises and equipment expense | $503,000 | 4,159 |
| Additional noninterest expense | $483,000 | 6,677 |
| Pre-tax net operating income | $2,629,000 | 3,066 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $882,000 | 2,442 |
| Income before extraordinary items | $1,747,000 | 3,446 |
| Extraordinary gains, net | $565,000 | 11 |
| Net income | $2,312,000 | 2,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,766 |
| Cash dividends | $2,000,000 | 1,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,747,000 | 3,412 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,714,000 | 3,380 |
| Total interest expense | $2,970,000 | 2,557 |
| Net interest income | $3,744,000 | 3,948 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $209,000 | 6,515 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $209,000 | 4,520 |
| Total noninterest expense | $1,887,000 | 5,324 |
| Salaries and employee benefits | $1,140,000 | 4,981 |
| Premises and equipment expense | $378,000 | 4,139 |
| Additional noninterest expense | $369,000 | 6,601 |
| Pre-tax net operating income | $2,021,000 | 3,032 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $679,000 | 2,441 |
| Income before extraordinary items | $1,342,000 | 3,407 |
| Extraordinary gains, net | $565,000 | 6 |
| Net income | $1,907,000 | 2,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,349 |
| Cash dividends | $2,000,000 | 1,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,342,000 | 3,364 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,423,000 | 3,354 |
| Total interest expense | $1,921,000 | 2,496 |
| Net interest income | $2,502,000 | 3,925 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $147,000 | 6,372 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $147,000 | 4,371 |
| Total noninterest expense | $1,265,000 | 5,297 |
| Salaries and employee benefits | $762,000 | 4,964 |
| Premises and equipment expense | $250,000 | 4,149 |
| Additional noninterest expense | $253,000 | 6,500 |
| Pre-tax net operating income | $1,354,000 | 2,971 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $455,000 | 2,403 |
| Income before extraordinary items | $899,000 | 3,364 |
| Extraordinary gains, net | $537,000 | 5 |
| Net income | $1,436,000 | 2,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,136 |
| Cash dividends | $1,450,000 | 966 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $899,000 | 3,309 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,185,000 | 3,352 |
| Total interest expense | $937,000 | 2,465 |
| Net interest income | $1,248,000 | 3,931 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $73,000 | 6,353 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $73,000 | 4,368 |
| Total noninterest expense | $639,000 | 5,296 |
| Salaries and employee benefits | $385,000 | 4,963 |
| Premises and equipment expense | $126,000 | 4,172 |
| Additional noninterest expense | $128,000 | 6,480 |
| Pre-tax net operating income | $667,000 | 2,973 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $224,000 | 2,421 |
| Income before extraordinary items | $443,000 | 3,354 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $443,000 | 3,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $450,000 | 1,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $443,000 | 3,320 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,551,000 | 3,239 |
| Total interest expense | $3,429,000 | 2,347 |
| Net interest income | $5,122,000 | 3,745 |
| Provision for loan and lease losses | $60,000 | 5,645 |
| Total noninterest income | $227,000 | 6,948 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $227,000 | 4,833 |
| Total noninterest expense | $2,483,000 | 5,337 |
| Salaries and employee benefits | $1,446,000 | 5,075 |
| Premises and equipment expense | $487,000 | 4,169 |
| Additional noninterest expense | $550,000 | 6,276 |
| Pre-tax net operating income | $2,806,000 | 2,727 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $951,000 | 2,251 |
| Income before extraordinary items | $1,855,000 | 3,117 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,855,000 | 3,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,972 |
| Cash dividends | $600,000 | 3,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,855,000 | 3,047 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,356,000 | 3,243 |
| Total interest expense | $2,535,000 | 2,327 |
| Net interest income | $3,821,000 | 3,739 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $167,000 | 7,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $167,000 | 4,888 |
| Total noninterest expense | $1,860,000 | 5,293 |
| Salaries and employee benefits | $1,069,000 | 5,071 |
| Premises and equipment expense | $371,000 | 4,105 |
| Additional noninterest expense | $420,000 | 6,165 |
| Pre-tax net operating income | $2,083,000 | 2,779 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $705,000 | 2,297 |
| Income before extraordinary items | $1,378,000 | 3,187 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,378,000 | 3,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,128 |
| Cash dividends | $600,000 | 2,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,378,000 | 3,111 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,187,000 | 3,268 |
| Total interest expense | $1,671,000 | 2,324 |
| Net interest income | $2,516,000 | 3,762 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $106,000 | 7,117 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $106,000 | 5,055 |
| Total noninterest expense | $1,256,000 | 5,270 |
| Salaries and employee benefits | $714,000 | 5,092 |
| Premises and equipment expense | $246,000 | 4,126 |
| Additional noninterest expense | $296,000 | 6,015 |
| Pre-tax net operating income | $1,336,000 | 2,847 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $451,000 | 2,359 |
| Income before extraordinary items | $885,000 | 3,267 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $885,000 | 3,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,450 |
| Cash dividends | $300,000 | 2,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $885,000 | 3,178 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,072,000 | 3,296 |
| Total interest expense | $844,000 | 2,328 |
| Net interest income | $1,228,000 | 3,831 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $54,000 | 7,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $54,000 | 4,970 |
| Total noninterest expense | $634,000 | 5,259 |
| Salaries and employee benefits | $365,000 | 5,033 |
| Premises and equipment expense | $128,000 | 4,030 |
| Additional noninterest expense | $141,000 | 6,189 |
| Pre-tax net operating income | $633,000 | 2,946 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $214,000 | 2,459 |
| Income before extraordinary items | $419,000 | 3,381 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $419,000 | 3,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,502 |
| Cash dividends | $300,000 | 1,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $419,000 | 3,259 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,076,000 | 3,417 |
| Total interest expense | $3,868,000 | 2,286 |
| Net interest income | $4,208,000 | 4,202 |
| Provision for loan and lease losses | $90,000 | 5,469 |
| Total noninterest income | $279,000 | 6,740 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $279,000 | 4,648 |
| Total noninterest expense | $2,176,000 | 5,713 |
| Salaries and employee benefits | $1,217,000 | 5,597 |
| Premises and equipment expense | $469,000 | 4,260 |
| Additional noninterest expense | $490,000 | 6,603 |
| Pre-tax net operating income | $2,221,000 | 3,143 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $720,000 | 2,737 |
| Income before extraordinary items | $1,501,000 | 3,561 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,501,000 | 3,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,170 |
| Cash dividends | $250,000 | 4,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,501,000 | 3,405 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,056,000 | 3,462 |
| Total interest expense | $2,992,000 | 2,301 |
| Net interest income | $3,064,000 | 4,326 |
| Provision for loan and lease losses | $75,000 | 5,202 |
| Total noninterest income | $209,000 | 6,780 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $209,000 | 4,713 |
| Total noninterest expense | $1,591,000 | 5,776 |
| Salaries and employee benefits | $871,000 | 5,717 |
| Premises and equipment expense | $351,000 | 4,259 |
| Additional noninterest expense | $369,000 | 6,583 |
| Pre-tax net operating income | $1,607,000 | 3,376 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $515,000 | 2,975 |
| Income before extraordinary items | $1,092,000 | 3,767 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,092,000 | 3,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,350 |
| Cash dividends | $250,000 | 3,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,092,000 | 3,594 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,069,000 | 3,466 |
| Total interest expense | $2,069,000 | 2,292 |
| Net interest income | $2,000,000 | 4,398 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $139,000 | 6,788 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $139,000 | 4,696 |
| Total noninterest expense | $1,072,000 | 5,746 |
| Salaries and employee benefits | $587,000 | 5,685 |
| Premises and equipment expense | $230,000 | 4,307 |
| Additional noninterest expense | $255,000 | 6,472 |
| Pre-tax net operating income | $1,007,000 | 3,507 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $321,000 | 3,108 |
| Income before extraordinary items | $686,000 | 3,921 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $686,000 | 3,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,501 |
| Cash dividends | $250,000 | 3,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $686,000 | 3,737 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,090,000 | 3,393 |
| Total interest expense | $1,084,000 | 2,248 |
| Net interest income | $1,006,000 | 4,379 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $67,000 | 6,806 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $67,000 | 4,710 |
| Total noninterest expense | $532,000 | 5,787 |
| Salaries and employee benefits | $295,000 | 5,676 |
| Premises and equipment expense | $116,000 | 4,277 |
| Additional noninterest expense | $121,000 | 6,630 |
| Pre-tax net operating income | $511,000 | 3,438 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $172,000 | 2,956 |
| Income before extraordinary items | $339,000 | 3,897 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $339,000 | 3,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $339,000 | 3,714 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,108,000 | 3,267 |
| Total interest expense | $5,147,000 | 2,180 |
| Net interest income | $3,961,000 | 4,379 |
| Provision for loan and lease losses | $120,000 | 5,330 |
| Total noninterest income | $281,000 | 6,613 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $281,000 | 4,391 |
| Total noninterest expense | $2,097,000 | 5,716 |
| Salaries and employee benefits | $1,152,000 | 5,628 |
| Premises and equipment expense | $444,000 | 4,304 |
| Additional noninterest expense | $501,000 | 6,490 |
| Pre-tax net operating income | $2,025,000 | 3,389 |
| Securities gains (losses) | $5,000 | 3,957 |
| Applicable income taxes | $690,000 | 2,879 |
| Income before extraordinary items | $1,340,000 | 3,806 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,340,000 | 3,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,046 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,336,700 | 3,702 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,188,000 | 3,943 |
| Total interest expense | $5,099,000 | 3,103 |
| Net interest income | $3,089,000 | 4,958 |
| Provision for loan and lease losses | $50,000 | 6,655 |
| Total noninterest income | $378,000 | 5,834 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $378,000 | 3,657 |
| Total noninterest expense | $1,828,000 | 6,075 |
| Salaries and employee benefits | $952,000 | 6,160 |
| Premises and equipment expense | $404,000 | 4,573 |
| Additional noninterest expense | $472,000 | 6,637 |
| Pre-tax net operating income | $1,589,000 | 3,712 |
| Securities gains (losses) | $39,000 | 2,590 |
| Applicable income taxes | $568,000 | 3,064 |
| Income before extraordinary items | $1,060,000 | 4,122 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,060,000 | 4,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,098 |
| Cash dividends | $1,000,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,034,650 | 4,077 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,380,000 | 5,471 |
| Total interest expense | $3,171,000 | 4,715 |
| Net interest income | $2,209,000 | 6,255 |
| Provision for loan and lease losses | $36,000 | 6,984 |
| Total noninterest income | $232,000 | 6,962 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $232,000 | 4,449 |
| Total noninterest expense | $1,185,000 | 7,540 |
| Salaries and employee benefits | $680,000 | 7,290 |
| Premises and equipment expense | $220,000 | 6,456 |
| Additional noninterest expense | $285,000 | 8,064 |
| Pre-tax net operating income | $1,220,000 | 4,679 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $415,000 | 3,912 |
| Income before extraordinary items | $805,000 | 5,032 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $805,000 | 5,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,027 |
| Cash dividends | $2,000,000 | 1,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $805,000 | 5,026 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,708,000 | 5,780 |
| Total interest expense | $2,596,000 | 5,084 |
| Net interest income | $2,112,000 | 6,440 |
| Provision for loan and lease losses | $36,000 | 6,998 |
| Total noninterest income | $193,000 | 7,575 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $193,000 | 5,023 |
| Total noninterest expense | $1,092,000 | 7,863 |
| Salaries and employee benefits | $624,000 | 7,620 |
| Premises and equipment expense | $166,000 | 7,378 |
| Additional noninterest expense | $302,000 | 8,096 |
| Pre-tax net operating income | $1,177,000 | 4,814 |
| Securities gains (losses) | $93,000 | 753 |
| Applicable income taxes | $448,000 | 3,872 |
| Income before extraordinary items | $822,000 | 5,019 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $822,000 | 5,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,628 |
| Cash dividends | $1,000,000 | 2,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $761,550 | 5,193 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,564,000 | 6,005 |
| Total interest expense | $2,506,000 | 5,358 |
| Net interest income | $2,058,000 | 6,565 |
| Provision for loan and lease losses | $24,000 | 7,567 |
| Total noninterest income | $205,000 | 7,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $205,000 | 4,897 |
| Total noninterest expense | $1,066,000 | 7,917 |
| Salaries and employee benefits | $618,000 | 7,657 |
| Premises and equipment expense | $155,000 | 7,539 |
| Additional noninterest expense | $293,000 | 8,176 |
| Pre-tax net operating income | $1,173,000 | 4,961 |
| Securities gains (losses) | $137,000 | 1,099 |
| Applicable income taxes | $463,000 | 4,049 |
| Income before extraordinary items | $847,000 | 5,006 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $847,000 | 5,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,985 |
| Cash dividends | $2,000,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $757,950 | 5,266 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,541,000 | 6,187 |
| Total interest expense | $2,336,000 | 5,667 |
| Net interest income | $2,205,000 | 6,519 |
| Provision for loan and lease losses | $18,000 | 7,986 |
| Total noninterest income | $156,000 | 8,480 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $156,000 | 5,590 |
| Total noninterest expense | $1,030,000 | 8,245 |
| Salaries and employee benefits | $604,000 | 7,890 |
| Premises and equipment expense | $109,000 | 8,750 |
| Additional noninterest expense | $317,000 | 8,150 |
| Pre-tax net operating income | $1,313,000 | 4,928 |
| Securities gains (losses) | $421,000 | 473 |
| Applicable income taxes | $590,000 | 3,729 |
| Income before extraordinary items | $1,144,000 | 4,218 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,144,000 | 4,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,655 |
| Cash dividends | $1,000,000 | 2,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $866,140 | 5,137 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,349,000 | 6,532 |
| Total interest expense | $2,153,000 | 6,114 |
| Net interest income | $2,196,000 | 6,775 |
| Provision for loan and lease losses | $7,000 | 8,718 |
| Total noninterest income | $90,000 | 10,079 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $90,000 | 7,444 |
| Total noninterest expense | $1,337,000 | 7,553 |
| Salaries and employee benefits | $583,000 | 8,241 |
| Premises and equipment expense | $102,000 | 9,234 |
| Additional noninterest expense | $652,000 | 6,017 |
| Pre-tax net operating income | $942,000 | 5,946 |
| Securities gains (losses) | $282,000 | 570 |
| Applicable income taxes | $397,000 | 4,917 |
| Income before extraordinary items | $827,000 | 5,184 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $827,000 | 5,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $635,240 | 6,002 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,096,000 | 6,881 |
| Total interest expense | $1,930,000 | 6,628 |
| Net interest income | $2,166,000 | 6,941 |
| Provision for loan and lease losses | $24,000 | 7,406 |
| Total noninterest income | $87,000 | 10,576 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $87,000 | 7,676 |
| Total noninterest expense | $1,056,000 | 8,731 |
| Salaries and employee benefits | $580,000 | 8,498 |
| Premises and equipment expense | $100,000 | 9,626 |
| Additional noninterest expense | $376,000 | 8,436 |
| Pre-tax net operating income | $1,173,000 | 5,333 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $408,000 | 4,884 |
| Income before extraordinary items | $764,000 | 5,624 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $764,000 | 5,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $764,650 | 5,609 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,418,000 | 7,455 |
| Total interest expense | $1,831,000 | 5,990 |
| Net interest income | $1,587,000 | 8,619 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $87,000 | 11,062 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $87,000 | 7,945 |
| Total noninterest expense | $853,000 | 9,986 |
| Salaries and employee benefits | $475,000 | 9,617 |
| Premises and equipment expense | $89,000 | 10,376 |
| Additional noninterest expense | $289,000 | 10,082 |
| Pre-tax net operating income | $821,000 | 6,770 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $279,000 | 6,136 |
| Income before extraordinary items | $542,000 | 6,985 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $542,000 | 6,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $4,783,000 | 183 |
| Net operating income | $542,000 | 7,035 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,467,000 | 7,579 |
| Total interest expense | $1,890,000 | 6,115 |
| Net interest income | $1,577,000 | 8,877 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $81,000 | 11,784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $81,000 | 8,582 |
| Total noninterest expense | $667,000 | 11,317 |
| Salaries and employee benefits | $334,000 | 11,318 |
| Premises and equipment expense | $84,000 | 11,010 |
| Additional noninterest expense | $249,000 | 11,098 |
| Pre-tax net operating income | $991,000 | 5,915 |
| Securities gains (losses) | $-1,000 | 12,247 |
| Applicable income taxes | $356,000 | 5,425 |
| Income before extraordinary items | $634,000 | 6,533 |
| Extraordinary gains, net | $-74,000 | 12,841 |
| Net income | $560,000 | 7,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $634,640 | 6,289 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,764,000 | 7,818 |
| Total interest expense | $2,254,000 | 6,497 |
| Net interest income | $1,510,000 | 9,237 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $80,000 | 12,281 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $80,000 | 8,855 |
| Total noninterest expense | $626,000 | 11,910 |
| Salaries and employee benefits | $295,000 | 12,071 |
| Premises and equipment expense | $83,000 | 11,388 |
| Additional noninterest expense | $248,000 | 11,558 |
| Pre-tax net operating income | $964,000 | 5,778 |
| Securities gains (losses) | $-5,000 | 13,085 |
| Applicable income taxes | $330,000 | 5,574 |
| Income before extraordinary items | $629,000 | 6,379 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $629,000 | 6,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $632,300 | 5,999 |
* 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.