Home > Charter National Bank and Trust > Income and Expense
Charter National Bank and Trust, Income and Expense
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,826,000 | 5,247 |
| Total interest expense | $282,000 | 6,622 |
| Net interest income | $3,544,000 | 4,867 |
| Provision for loan and lease losses | $2,064,000 | 1,537 |
| Total noninterest income | $1,262,000 | 2,713 |
| Gross Fiduciary activities income | $23,000 | 1,018 |
| Service charges on deposit accounts | $580,000 | 2,293 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $659,000 | 2,730 |
| Total noninterest expense | $8,001,000 | 2,373 |
| Salaries and employee benefits | $1,806,000 | 4,435 |
| Premises and equipment expense | $1,081,000 | 2,242 |
| Additional noninterest expense | $5,114,000 | 1,352 |
| Pre-tax net operating income | $-5,259,000 | 7,072 |
| Securities gains (losses) | $757,000 | 572 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-4,502,000 | 7,050 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,502,000 | 7,050 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-4,502,000 | 7,051 |
| Net charge-offs | $1,864,000 | 1,621 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-5,259,000 | 7,068 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,870,000 | 5,305 |
| Total interest expense | $227,000 | 6,645 |
| Net interest income | $2,643,000 | 4,913 |
| Provision for loan and lease losses | $2,044,000 | 1,224 |
| Total noninterest income | $938,000 | 2,727 |
| Gross Fiduciary activities income | $16,000 | 1,007 |
| Service charges on deposit accounts | $425,000 | 2,347 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $497,000 | 2,721 |
| Total noninterest expense | $6,275,000 | 2,282 |
| Salaries and employee benefits | $1,407,000 | 4,332 |
| Premises and equipment expense | $816,000 | 2,255 |
| Additional noninterest expense | $4,052,000 | 1,272 |
| Pre-tax net operating income | $-4,738,000 | 7,220 |
| Securities gains (losses) | $293,000 | 941 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-4,445,000 | 7,226 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-4,445,000 | 7,225 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-4,445,000 | 7,226 |
| Net charge-offs | $1,189,000 | 1,733 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-4,738,000 | 7,230 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,899,000 | 5,370 |
| Total interest expense | $163,000 | 6,663 |
| Net interest income | $1,736,000 | 4,964 |
| Provision for loan and lease losses | $1,145,000 | 1,386 |
| Total noninterest income | $625,000 | 2,728 |
| Gross Fiduciary activities income | $12,000 | 995 |
| Service charges on deposit accounts | $278,000 | 2,357 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $335,000 | 2,719 |
| Total noninterest expense | $3,038,000 | 3,066 |
| Salaries and employee benefits | $967,000 | 4,287 |
| Premises and equipment expense | $547,000 | 2,258 |
| Additional noninterest expense | $1,524,000 | 2,213 |
| Pre-tax net operating income | $-1,822,000 | 7,149 |
| Securities gains (losses) | $82,000 | 1,277 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-1,740,000 | 7,184 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,740,000 | 7,185 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-1,740,000 | 7,185 |
| Net charge-offs | $85,000 | 4,004 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-1,822,000 | 7,178 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $915,000 | 5,476 |
| Total interest expense | $84,000 | 6,720 |
| Net interest income | $831,000 | 5,062 |
| Provision for loan and lease losses | $472,000 | 1,480 |
| Total noninterest income | $356,000 | 2,543 |
| Gross Fiduciary activities income | $6,000 | 985 |
| Service charges on deposit accounts | $205,000 | 1,710 |
| Trading account gains and fees | $1,000 | 152 |
| Additional Noninterest Income | $144,000 | 2,972 |
| Total noninterest expense | $1,514,000 | 3,089 |
| Salaries and employee benefits | $544,000 | 4,002 |
| Premises and equipment expense | $287,000 | 2,219 |
| Additional noninterest expense | $683,000 | 2,428 |
| Pre-tax net operating income | $-799,000 | 7,211 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-799,000 | 7,242 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-799,000 | 7,243 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-799,000 | 7,243 |
| Net charge-offs | $9,000 | 4,430 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-799,000 | 7,233 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,056,000 | 5,367 |
| Total interest expense | $538,000 | 6,421 |
| Net interest income | $3,518,000 | 4,935 |
| Provision for loan and lease losses | $3,447,000 | 1,475 |
| Total noninterest income | $1,399,000 | 2,639 |
| Gross Fiduciary activities income | $26,000 | 1,036 |
| Service charges on deposit accounts | $955,000 | 1,561 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $418,000 | 3,446 |
| Total noninterest expense | $5,593,000 | 3,293 |
| Salaries and employee benefits | $2,223,000 | 3,931 |
| Premises and equipment expense | $1,264,000 | 2,007 |
| Additional noninterest expense | $2,106,000 | 3,122 |
| Pre-tax net operating income | $-4,123,000 | 7,043 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-4,123,000 | 7,113 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,123,000 | 7,112 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-4,123,000 | 7,113 |
| Net charge-offs | $3,442,000 | 1,350 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-4,123,000 | 7,094 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,102,000 | 5,416 |
| Total interest expense | $431,000 | 6,462 |
| Net interest income | $2,671,000 | 4,957 |
| Provision for loan and lease losses | $3,119,000 | 1,234 |
| Total noninterest income | $961,000 | 2,804 |
| Gross Fiduciary activities income | $20,000 | 1,018 |
| Service charges on deposit accounts | $726,000 | 1,593 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $215,000 | 4,066 |
| Total noninterest expense | $4,152,000 | 3,315 |
| Salaries and employee benefits | $1,689,000 | 3,931 |
| Premises and equipment expense | $932,000 | 2,062 |
| Additional noninterest expense | $1,531,000 | 3,164 |
| Pre-tax net operating income | $-3,639,000 | 7,269 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-3,639,000 | 7,333 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-3,639,000 | 7,333 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-3,639,000 | 7,333 |
| Net charge-offs | $2,731,000 | 1,228 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-3,639,000 | 7,321 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,087,000 | 5,432 |
| Total interest expense | $305,000 | 6,461 |
| Net interest income | $1,782,000 | 4,975 |
| Provision for loan and lease losses | $1,501,000 | 1,515 |
| Total noninterest income | $614,000 | 2,829 |
| Gross Fiduciary activities income | $14,000 | 1,024 |
| Service charges on deposit accounts | $495,000 | 1,582 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $105,000 | 4,569 |
| Total noninterest expense | $2,881,000 | 3,215 |
| Salaries and employee benefits | $1,145,000 | 3,903 |
| Premises and equipment expense | $629,000 | 2,057 |
| Additional noninterest expense | $1,107,000 | 2,927 |
| Pre-tax net operating income | $-1,986,000 | 7,268 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-1,986,000 | 7,328 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,986,000 | 7,328 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,986,000 | 7,328 |
| Net charge-offs | $1,206,000 | 1,551 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,986,000 | 7,320 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,099,000 | 5,358 |
| Total interest expense | $160,000 | 6,494 |
| Net interest income | $939,000 | 4,858 |
| Provision for loan and lease losses | $1,315,000 | 970 |
| Total noninterest income | $266,000 | 3,098 |
| Gross Fiduciary activities income | $7,000 | 1,015 |
| Service charges on deposit accounts | $194,000 | 1,923 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $65,000 | 4,256 |
| Total noninterest expense | $1,426,000 | 3,274 |
| Salaries and employee benefits | $578,000 | 3,935 |
| Premises and equipment expense | $318,000 | 2,097 |
| Additional noninterest expense | $530,000 | 3,013 |
| Pre-tax net operating income | $-1,536,000 | 7,528 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-1,536,000 | 7,575 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,536,000 | 7,576 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,536,000 | 7,576 |
| Net charge-offs | $680,000 | 1,356 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,536,000 | 7,574 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,344,000 | 4,938 |
| Total interest expense | $950,000 | 6,126 |
| Net interest income | $4,394,000 | 4,298 |
| Provision for loan and lease losses | $1,625,000 | 2,763 |
| Total noninterest income | $1,300,000 | 2,823 |
| Gross Fiduciary activities income | $27,000 | 1,047 |
| Service charges on deposit accounts | $854,000 | 1,939 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $419,000 | 3,476 |
| Total noninterest expense | $5,838,000 | 3,248 |
| Salaries and employee benefits | $2,318,000 | 3,918 |
| Premises and equipment expense | $1,311,000 | 2,034 |
| Additional noninterest expense | $2,209,000 | 3,066 |
| Pre-tax net operating income | $-1,769,000 | 6,556 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-1,769,000 | 6,672 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,769,000 | 6,671 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,769,000 | 6,671 |
| Net charge-offs | $1,181,000 | 2,671 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,769,000 | 6,662 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,087,000 | 4,952 |
| Total interest expense | $757,000 | 6,144 |
| Net interest income | $3,330,000 | 4,271 |
| Provision for loan and lease losses | $855,000 | 3,013 |
| Total noninterest income | $987,000 | 2,840 |
| Gross Fiduciary activities income | $21,000 | 1,018 |
| Service charges on deposit accounts | $637,000 | 1,951 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $329,000 | 3,478 |
| Total noninterest expense | $4,359,000 | 3,260 |
| Salaries and employee benefits | $1,832,000 | 3,788 |
| Premises and equipment expense | $1,027,000 | 1,977 |
| Additional noninterest expense | $1,500,000 | 3,284 |
| Pre-tax net operating income | $-897,000 | 6,601 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-897,000 | 6,690 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-897,000 | 6,691 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-897,000 | 6,691 |
| Net charge-offs | $1,087,000 | 2,112 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-897,000 | 6,683 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,816,000 | 4,899 |
| Total interest expense | $532,000 | 6,151 |
| Net interest income | $2,284,000 | 4,172 |
| Provision for loan and lease losses | $585,000 | 2,759 |
| Total noninterest income | $651,000 | 2,877 |
| Gross Fiduciary activities income | $14,000 | 1,021 |
| Service charges on deposit accounts | $400,000 | 2,024 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $237,000 | 3,388 |
| Total noninterest expense | $2,951,000 | 3,263 |
| Salaries and employee benefits | $1,317,000 | 3,619 |
| Premises and equipment expense | $689,000 | 1,994 |
| Additional noninterest expense | $945,000 | 3,423 |
| Pre-tax net operating income | $-601,000 | 6,726 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-601,000 | 6,856 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-601,000 | 6,856 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-601,000 | 6,856 |
| Net charge-offs | $866,000 | 1,753 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-601,000 | 6,843 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,394,000 | 4,964 |
| Total interest expense | $281,000 | 6,150 |
| Net interest income | $1,113,000 | 4,235 |
| Provision for loan and lease losses | $15,000 | 6,043 |
| Total noninterest income | $268,000 | 3,232 |
| Gross Fiduciary activities income | $7,000 | 1,026 |
| Service charges on deposit accounts | $171,000 | 2,226 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $90,000 | 3,816 |
| Total noninterest expense | $1,452,000 | 3,224 |
| Salaries and employee benefits | $661,000 | 3,642 |
| Premises and equipment expense | $351,000 | 1,997 |
| Additional noninterest expense | $440,000 | 3,325 |
| Pre-tax net operating income | $-86,000 | 6,605 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-86,000 | 6,772 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-86,000 | 6,773 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-86,000 | 6,773 |
| Net charge-offs | $-3,000 | 7,537 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-86,000 | 6,681 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,736,000 | 4,596 |
| Total interest expense | $1,794,000 | 5,577 |
| Net interest income | $4,942,000 | 3,975 |
| Provision for loan and lease losses | $520,000 | 3,745 |
| Total noninterest income | $1,286,000 | 2,911 |
| Gross Fiduciary activities income | $32,000 | 1,042 |
| Service charges on deposit accounts | $754,000 | 2,218 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $500,000 | 3,171 |
| Total noninterest expense | $5,881,000 | 3,137 |
| Salaries and employee benefits | $2,680,000 | 3,570 |
| Premises and equipment expense | $1,353,000 | 2,020 |
| Additional noninterest expense | $1,848,000 | 3,071 |
| Pre-tax net operating income | $-173,000 | 6,527 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-173,000 | 6,448 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-173,000 | 6,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 3,755 |
| Cash dividends | $413,000 | 3,635 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-173,000 | 6,595 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,263,000 | 4,548 |
| Total interest expense | $1,425,000 | 5,563 |
| Net interest income | $3,838,000 | 3,900 |
| Provision for loan and lease losses | $55,000 | 5,792 |
| Total noninterest income | $997,000 | 2,917 |
| Gross Fiduciary activities income | $24,000 | 1,031 |
| Service charges on deposit accounts | $566,000 | 2,232 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $407,000 | 3,152 |
| Total noninterest expense | $4,429,000 | 3,101 |
| Salaries and employee benefits | $2,062,000 | 3,516 |
| Premises and equipment expense | $970,000 | 2,099 |
| Additional noninterest expense | $1,397,000 | 2,959 |
| Pre-tax net operating income | $351,000 | 5,443 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $351,000 | 4,992 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $351,000 | 4,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,628 |
| Cash dividends | $413,000 | 2,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $351,000 | 5,156 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,562,000 | 4,567 |
| Total interest expense | $1,028,000 | 5,509 |
| Net interest income | $2,534,000 | 3,932 |
| Provision for loan and lease losses | $40,000 | 5,379 |
| Total noninterest income | $630,000 | 3,042 |
| Gross Fiduciary activities income | $16,000 | 1,047 |
| Service charges on deposit accounts | $374,000 | 2,237 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $240,000 | 3,427 |
| Total noninterest expense | $2,960,000 | 3,098 |
| Salaries and employee benefits | $1,358,000 | 3,602 |
| Premises and equipment expense | $677,000 | 2,005 |
| Additional noninterest expense | $925,000 | 2,939 |
| Pre-tax net operating income | $164,000 | 6,038 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $164,000 | 5,872 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $164,000 | 5,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,802 |
| Cash dividends | $318,000 | 2,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $164,000 | 5,816 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,829,000 | 4,578 |
| Total interest expense | $578,000 | 5,397 |
| Net interest income | $1,251,000 | 3,975 |
| Provision for loan and lease losses | $25,000 | 4,682 |
| Total noninterest income | $319,000 | 3,002 |
| Gross Fiduciary activities income | $8,000 | 1,052 |
| Service charges on deposit accounts | $182,000 | 2,250 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $129,000 | 3,305 |
| Total noninterest expense | $1,482,000 | 3,101 |
| Salaries and employee benefits | $697,000 | 3,552 |
| Premises and equipment expense | $338,000 | 2,011 |
| Additional noninterest expense | $447,000 | 2,994 |
| Pre-tax net operating income | $63,000 | 6,432 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $63,000 | 6,381 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $63,000 | 6,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,217 |
| Cash dividends | $147,000 | 2,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $63,000 | 6,282 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,584,000 | 4,167 |
| Total interest expense | $2,704,000 | 5,063 |
| Net interest income | $5,880,000 | 3,551 |
| Provision for loan and lease losses | $820,000 | 1,646 |
| Total noninterest income | $1,663,000 | 2,528 |
| Gross Fiduciary activities income | $26,000 | 1,115 |
| Service charges on deposit accounts | $754,000 | 2,231 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $883,000 | 2,407 |
| Total noninterest expense | $6,119,000 | 2,918 |
| Salaries and employee benefits | $2,802,000 | 3,411 |
| Premises and equipment expense | $1,265,000 | 2,065 |
| Additional noninterest expense | $2,052,000 | 2,605 |
| Pre-tax net operating income | $604,000 | 5,679 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $20,000 | 5,425 |
| Income before extraordinary items | $584,000 | 5,402 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $584,000 | 5,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $692,000 | 1,343 |
| Cash dividends | $1,546,000 | 1,962 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $584,000 | 5,383 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,548,000 | 4,138 |
| Total interest expense | $2,020,000 | 5,085 |
| Net interest income | $4,528,000 | 3,496 |
| Provision for loan and lease losses | $95,000 | 4,180 |
| Total noninterest income | $1,151,000 | 2,668 |
| Gross Fiduciary activities income | $19,000 | 1,088 |
| Service charges on deposit accounts | $559,000 | 2,234 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $573,000 | 2,631 |
| Total noninterest expense | $4,586,000 | 2,898 |
| Salaries and employee benefits | $2,129,000 | 3,361 |
| Premises and equipment expense | $938,000 | 2,068 |
| Additional noninterest expense | $1,519,000 | 2,591 |
| Pre-tax net operating income | $998,000 | 4,361 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $998,000 | 3,895 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $998,000 | 3,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,441 |
| Cash dividends | $1,362,000 | 1,621 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $998,000 | 3,881 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,328,000 | 4,179 |
| Total interest expense | $1,280,000 | 5,232 |
| Net interest income | $3,048,000 | 3,487 |
| Provision for loan and lease losses | $80,000 | 3,654 |
| Total noninterest income | $854,000 | 2,475 |
| Gross Fiduciary activities income | $14,000 | 1,091 |
| Service charges on deposit accounts | $358,000 | 2,314 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $482,000 | 2,307 |
| Total noninterest expense | $3,130,000 | 2,860 |
| Salaries and employee benefits | $1,421,000 | 3,390 |
| Premises and equipment expense | $623,000 | 2,080 |
| Additional noninterest expense | $1,086,000 | 2,434 |
| Pre-tax net operating income | $692,000 | 4,344 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $692,000 | 3,849 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $692,000 | 3,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,846 |
| Cash dividends | $1,207,000 | 1,322 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $692,000 | 3,838 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,223,000 | 4,105 |
| Total interest expense | $641,000 | 5,197 |
| Net interest income | $1,582,000 | 3,394 |
| Provision for loan and lease losses | $45,000 | 3,197 |
| Total noninterest income | $303,000 | 3,087 |
| Gross Fiduciary activities income | $5,000 | 1,109 |
| Service charges on deposit accounts | $177,000 | 2,278 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $121,000 | 3,415 |
| Total noninterest expense | $1,516,000 | 2,954 |
| Salaries and employee benefits | $719,000 | 3,385 |
| Premises and equipment expense | $313,000 | 2,079 |
| Additional noninterest expense | $484,000 | 2,690 |
| Pre-tax net operating income | $324,000 | 4,474 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $324,000 | 3,998 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $324,000 | 3,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,748 |
| Cash dividends | $173,000 | 2,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $324,000 | 3,978 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,016,000 | 4,192 |
| Total interest expense | $2,144,000 | 5,210 |
| Net interest income | $5,872,000 | 3,573 |
| Provision for loan and lease losses | $190,000 | 3,623 |
| Total noninterest income | $1,370,000 | 2,873 |
| Gross Fiduciary activities income | $29,000 | 1,113 |
| Service charges on deposit accounts | $748,000 | 2,241 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $593,000 | 3,040 |
| Total noninterest expense | $5,397,000 | 3,141 |
| Salaries and employee benefits | $2,491,000 | 3,620 |
| Premises and equipment expense | $1,024,000 | 2,426 |
| Additional noninterest expense | $1,882,000 | 2,709 |
| Pre-tax net operating income | $1,655,000 | 4,070 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $1,655,000 | 3,550 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,655,000 | 3,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,017 |
| Cash dividends | $652,000 | 3,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,655,000 | 3,529 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,840,000 | 4,248 |
| Total interest expense | $1,523,000 | 5,294 |
| Net interest income | $4,317,000 | 3,653 |
| Provision for loan and lease losses | $145,000 | 3,470 |
| Total noninterest income | $1,018,000 | 2,896 |
| Gross Fiduciary activities income | $22,000 | 1,097 |
| Service charges on deposit accounts | $560,000 | 2,256 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $436,000 | 3,071 |
| Total noninterest expense | $3,991,000 | 3,177 |
| Salaries and employee benefits | $1,871,000 | 3,624 |
| Premises and equipment expense | $766,000 | 2,428 |
| Additional noninterest expense | $1,354,000 | 2,797 |
| Pre-tax net operating income | $1,199,000 | 4,301 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $1,199,000 | 3,748 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,199,000 | 3,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,313 |
| Cash dividends | $452,000 | 3,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,199,000 | 3,725 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,666,000 | 4,365 |
| Total interest expense | $928,000 | 5,418 |
| Net interest income | $2,738,000 | 3,798 |
| Provision for loan and lease losses | $100,000 | 3,294 |
| Total noninterest income | $667,000 | 2,918 |
| Gross Fiduciary activities income | $15,000 | 1,110 |
| Service charges on deposit accounts | $370,000 | 2,248 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $282,000 | 3,125 |
| Total noninterest expense | $2,612,000 | 3,233 |
| Salaries and employee benefits | $1,237,000 | 3,657 |
| Premises and equipment expense | $515,000 | 2,403 |
| Additional noninterest expense | $860,000 | 2,935 |
| Pre-tax net operating income | $693,000 | 4,652 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $693,000 | 4,099 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $693,000 | 4,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,447 |
| Cash dividends | $305,000 | 3,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $693,000 | 4,085 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,738,000 | 4,483 |
| Total interest expense | $409,000 | 5,630 |
| Net interest income | $1,329,000 | 3,872 |
| Provision for loan and lease losses | $55,000 | 2,999 |
| Total noninterest income | $353,000 | 2,765 |
| Gross Fiduciary activities income | $6,000 | 1,135 |
| Service charges on deposit accounts | $191,000 | 2,123 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $156,000 | 2,907 |
| Total noninterest expense | $1,310,000 | 3,238 |
| Salaries and employee benefits | $620,000 | 3,661 |
| Premises and equipment expense | $264,000 | 2,361 |
| Additional noninterest expense | $426,000 | 2,946 |
| Pre-tax net operating income | $317,000 | 4,817 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $317,000 | 4,277 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $317,000 | 4,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,748 |
| Cash dividends | $207,000 | 2,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $317,000 | 4,261 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,787,000 | 4,702 |
| Total interest expense | $1,248,000 | 5,727 |
| Net interest income | $4,539,000 | 4,232 |
| Provision for loan and lease losses | $119,000 | 4,600 |
| Total noninterest income | $1,331,000 | 2,906 |
| Gross Fiduciary activities income | $28,000 | 1,130 |
| Service charges on deposit accounts | $849,000 | 2,007 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $454,000 | 3,540 |
| Total noninterest expense | $4,983,000 | 3,248 |
| Salaries and employee benefits | $2,403,000 | 3,600 |
| Premises and equipment expense | $1,043,000 | 2,280 |
| Additional noninterest expense | $1,537,000 | 3,164 |
| Pre-tax net operating income | $768,000 | 5,970 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $768,000 | 5,437 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $768,000 | 5,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,016 |
| Cash dividends | $535,000 | 3,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $768,000 | 5,412 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,241,000 | 4,736 |
| Total interest expense | $884,000 | 5,760 |
| Net interest income | $3,357,000 | 4,281 |
| Provision for loan and lease losses | $69,000 | 4,823 |
| Total noninterest income | $886,000 | 3,178 |
| Gross Fiduciary activities income | $21,000 | 1,109 |
| Service charges on deposit accounts | $643,000 | 1,988 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $222,000 | 4,378 |
| Total noninterest expense | $3,612,000 | 3,317 |
| Salaries and employee benefits | $1,694,000 | 3,751 |
| Premises and equipment expense | $780,000 | 2,273 |
| Additional noninterest expense | $1,138,000 | 3,160 |
| Pre-tax net operating income | $562,000 | 6,165 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $562,000 | 5,620 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $562,000 | 5,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 3,321 |
| Cash dividends | $392,000 | 3,178 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $562,000 | 5,580 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,734,000 | 4,797 |
| Total interest expense | $557,000 | 5,762 |
| Net interest income | $2,177,000 | 4,344 |
| Provision for loan and lease losses | $39,000 | 4,905 |
| Total noninterest income | $657,000 | 2,906 |
| Gross Fiduciary activities income | $16,000 | 1,097 |
| Service charges on deposit accounts | $416,000 | 2,006 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $225,000 | 3,561 |
| Total noninterest expense | $2,474,000 | 3,232 |
| Salaries and employee benefits | $1,155,000 | 3,676 |
| Premises and equipment expense | $527,000 | 2,237 |
| Additional noninterest expense | $792,000 | 3,038 |
| Pre-tax net operating income | $321,000 | 6,460 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $321,000 | 5,970 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $321,000 | 5,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 2,957 |
| Cash dividends | $245,000 | 3,265 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $321,000 | 5,917 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,320,000 | 4,875 |
| Total interest expense | $252,000 | 5,946 |
| Net interest income | $1,068,000 | 4,413 |
| Provision for loan and lease losses | $24,000 | 4,451 |
| Total noninterest income | $325,000 | 2,870 |
| Gross Fiduciary activities income | $8,000 | 1,093 |
| Service charges on deposit accounts | $209,000 | 1,935 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $108,000 | 3,584 |
| Total noninterest expense | $1,232,000 | 3,243 |
| Salaries and employee benefits | $567,000 | 3,731 |
| Premises and equipment expense | $272,000 | 2,187 |
| Additional noninterest expense | $393,000 | 3,069 |
| Pre-tax net operating income | $137,000 | 6,727 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $137,000 | 6,299 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $137,000 | 6,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,394 |
| Cash dividends | $119,000 | 2,789 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $137,000 | 6,249 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,957,000 | 4,877 |
| Total interest expense | $881,000 | 6,002 |
| Net interest income | $4,076,000 | 4,422 |
| Provision for loan and lease losses | $76,000 | 5,388 |
| Total noninterest income | $1,546,000 | 2,632 |
| Gross Fiduciary activities income | $32,000 | 1,128 |
| Service charges on deposit accounts | $921,000 | 1,901 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $593,000 | 3,010 |
| Total noninterest expense | $4,645,000 | 3,330 |
| Salaries and employee benefits | $2,112,000 | 3,817 |
| Premises and equipment expense | $1,037,000 | 2,209 |
| Additional noninterest expense | $1,496,000 | 3,127 |
| Pre-tax net operating income | $901,000 | 5,487 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $901,000 | 4,966 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $901,000 | 4,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,672 |
| Cash dividends | $475,000 | 3,645 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $901,000 | 4,895 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,653,000 | 4,913 |
| Total interest expense | $646,000 | 6,056 |
| Net interest income | $3,007,000 | 4,461 |
| Provision for loan and lease losses | $36,000 | 5,817 |
| Total noninterest income | $1,164,000 | 2,627 |
| Gross Fiduciary activities income | $23,000 | 1,121 |
| Service charges on deposit accounts | $684,000 | 1,930 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $457,000 | 2,955 |
| Total noninterest expense | $3,471,000 | 3,318 |
| Salaries and employee benefits | $1,569,000 | 3,824 |
| Premises and equipment expense | $777,000 | 2,209 |
| Additional noninterest expense | $1,125,000 | 3,108 |
| Pre-tax net operating income | $664,000 | 5,634 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $664,000 | 5,092 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $664,000 | 5,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,064 |
| Cash dividends | $353,000 | 3,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $664,000 | 5,001 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,418,000 | 4,955 |
| Total interest expense | $424,000 | 6,120 |
| Net interest income | $1,994,000 | 4,490 |
| Provision for loan and lease losses | $21,000 | 5,806 |
| Total noninterest income | $762,000 | 2,675 |
| Gross Fiduciary activities income | $18,000 | 1,108 |
| Service charges on deposit accounts | $442,000 | 1,951 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $302,000 | 2,977 |
| Total noninterest expense | $2,313,000 | 3,341 |
| Salaries and employee benefits | $1,046,000 | 3,844 |
| Premises and equipment expense | $521,000 | 2,197 |
| Additional noninterest expense | $746,000 | 3,134 |
| Pre-tax net operating income | $422,000 | 5,732 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $422,000 | 5,184 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $422,000 | 5,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,807 |
| Cash dividends | $246,000 | 3,182 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $422,000 | 5,096 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,199,000 | 5,002 |
| Total interest expense | $216,000 | 6,137 |
| Net interest income | $983,000 | 4,539 |
| Provision for loan and lease losses | $6,000 | 5,941 |
| Total noninterest income | $426,000 | 2,429 |
| Gross Fiduciary activities income | $9,000 | 1,110 |
| Service charges on deposit accounts | $212,000 | 1,972 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $205,000 | 2,439 |
| Total noninterest expense | $1,198,000 | 3,232 |
| Salaries and employee benefits | $538,000 | 3,784 |
| Premises and equipment expense | $261,000 | 2,200 |
| Additional noninterest expense | $399,000 | 2,925 |
| Pre-tax net operating income | $205,000 | 5,768 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $205,000 | 5,272 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $205,000 | 5,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $143,000 | 2,559 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $205,000 | 5,154 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,879,000 | 4,977 |
| Total interest expense | $1,044,000 | 5,992 |
| Net interest income | $3,835,000 | 4,495 |
| Provision for loan and lease losses | $6,000 | 7,489 |
| Total noninterest income | $1,612,000 | 2,689 |
| Gross Fiduciary activities income | $40,000 | 1,117 |
| Service charges on deposit accounts | $724,000 | 2,296 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $848,000 | 2,642 |
| Total noninterest expense | $4,844,000 | 3,131 |
| Salaries and employee benefits | $2,312,000 | 3,486 |
| Premises and equipment expense | $1,010,000 | 2,244 |
| Additional noninterest expense | $1,522,000 | 3,038 |
| Pre-tax net operating income | $597,000 | 6,353 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $597,000 | 5,963 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $597,000 | 5,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,116 |
| Cash dividends | $445,000 | 3,756 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $597,000 | 5,789 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,699,000 | 5,003 |
| Total interest expense | $807,000 | 6,051 |
| Net interest income | $2,892,000 | 4,498 |
| Provision for loan and lease losses | $6,000 | 7,313 |
| Total noninterest income | $1,156,000 | 2,858 |
| Gross Fiduciary activities income | $19,000 | 1,187 |
| Service charges on deposit accounts | $534,000 | 2,344 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $603,000 | 2,824 |
| Total noninterest expense | $3,702,000 | 3,074 |
| Salaries and employee benefits | $1,839,000 | 3,320 |
| Premises and equipment expense | $690,000 | 2,449 |
| Additional noninterest expense | $1,173,000 | 2,946 |
| Pre-tax net operating income | $340,000 | 6,993 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $340,000 | 6,711 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $340,000 | 6,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,699 |
| Cash dividends | $325,000 | 3,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $340,000 | 6,535 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,511,000 | 4,975 |
| Total interest expense | $562,000 | 6,030 |
| Net interest income | $1,949,000 | 4,472 |
| Provision for loan and lease losses | $6,000 | 7,004 |
| Total noninterest income | $645,000 | 3,185 |
| Gross Fiduciary activities income | $14,000 | 1,176 |
| Service charges on deposit accounts | $355,000 | 2,313 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $276,000 | 3,448 |
| Total noninterest expense | $2,478,000 | 3,072 |
| Salaries and employee benefits | $1,324,000 | 3,107 |
| Premises and equipment expense | $456,000 | 2,440 |
| Additional noninterest expense | $698,000 | 3,239 |
| Pre-tax net operating income | $110,000 | 7,922 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $110,000 | 7,849 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $110,000 | 7,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,431 |
| Cash dividends | $219,000 | 3,351 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $110,000 | 7,676 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,251,000 | 5,011 |
| Total interest expense | $290,000 | 6,044 |
| Net interest income | $961,000 | 4,517 |
| Provision for loan and lease losses | $6,000 | 6,408 |
| Total noninterest income | $342,000 | 2,953 |
| Gross Fiduciary activities income | $8,000 | 1,157 |
| Service charges on deposit accounts | $173,000 | 2,299 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $161,000 | 3,086 |
| Total noninterest expense | $1,349,000 | 2,844 |
| Salaries and employee benefits | $683,000 | 3,019 |
| Premises and equipment expense | $245,000 | 2,285 |
| Additional noninterest expense | $421,000 | 2,728 |
| Pre-tax net operating income | $-52,000 | 8,896 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-52,000 | 8,958 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-52,000 | 8,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,384 |
| Cash dividends | $58,000 | 3,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-52,000 | 8,871 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,836,000 | 4,651 |
| Total interest expense | $1,614,000 | 5,499 |
| Net interest income | $4,222,000 | 4,181 |
| Provision for loan and lease losses | $41,000 | 6,906 |
| Total noninterest income | $2,560,000 | 1,770 |
| Gross Fiduciary activities income | $31,000 | 1,207 |
| Service charges on deposit accounts | $839,000 | 1,919 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,690,000 | 1,496 |
| Total noninterest expense | $5,693,000 | 2,598 |
| Salaries and employee benefits | $2,770,000 | 2,834 |
| Premises and equipment expense | $1,278,000 | 1,727 |
| Additional noninterest expense | $1,645,000 | 2,747 |
| Pre-tax net operating income | $1,048,000 | 5,084 |
| Securities gains (losses) | $367,000 | 788 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $1,415,000 | 3,647 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,415,000 | 3,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,179 |
| Cash dividends | $710,000 | 2,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,048,000 | 4,355 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,592,000 | 4,190 |
| Total interest expense | $2,776,000 | 5,024 |
| Net interest income | $4,816,000 | 3,545 |
| Provision for loan and lease losses | $86,000 | 5,884 |
| Total noninterest income | $1,294,000 | 2,784 |
| Gross Fiduciary activities income | $33,000 | 1,218 |
| Service charges on deposit accounts | $856,000 | 1,779 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $405,000 | 3,503 |
| Total noninterest expense | $5,443,000 | 2,603 |
| Salaries and employee benefits | $2,590,000 | 2,862 |
| Premises and equipment expense | $1,317,000 | 1,638 |
| Additional noninterest expense | $1,536,000 | 2,814 |
| Pre-tax net operating income | $581,000 | 6,242 |
| Securities gains (losses) | $26,000 | 2,933 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $607,000 | 5,591 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $607,000 | 5,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,430 |
| Cash dividends | $905,000 | 2,417 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $581,000 | 5,579 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,784,000 | 3,804 |
| Total interest expense | $3,461,000 | 4,418 |
| Net interest income | $5,323,000 | 3,293 |
| Provision for loan and lease losses | $220,000 | 3,525 |
| Total noninterest income | $1,279,000 | 2,636 |
| Gross Fiduciary activities income | $29,000 | 1,117 |
| Service charges on deposit accounts | $876,000 | 1,563 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $374,000 | 3,500 |
| Total noninterest expense | $5,208,000 | 2,615 |
| Salaries and employee benefits | $2,461,000 | 2,866 |
| Premises and equipment expense | $1,364,000 | 1,520 |
| Additional noninterest expense | $1,383,000 | 3,021 |
| Pre-tax net operating income | $1,174,000 | 4,783 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $1,174,000 | 3,924 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,174,000 | 3,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 2,742 |
| Cash dividends | $459,000 | 3,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,174,000 | 3,911 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,235,000 | 3,807 |
| Total interest expense | $3,205,000 | 4,346 |
| Net interest income | $5,030,000 | 3,441 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $1,408,000 | 2,388 |
| Gross Fiduciary activities income | $37,000 | 1,139 |
| Service charges on deposit accounts | $876,000 | 1,502 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $495,000 | 2,968 |
| Total noninterest expense | $5,634,000 | 2,405 |
| Salaries and employee benefits | $2,672,000 | 2,649 |
| Premises and equipment expense | $1,336,000 | 1,535 |
| Additional noninterest expense | $1,626,000 | 2,650 |
| Pre-tax net operating income | $684,000 | 6,380 |
| Securities gains (losses) | $5,000 | 2,145 |
| Applicable income taxes | $23,000 | 8,160 |
| Income before extraordinary items | $666,000 | 5,609 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $666,000 | 5,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 1,879 |
| Cash dividends | $218,000 | 5,093 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $661,150 | 5,593 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,171,000 | 3,866 |
| Total interest expense | $3,232,000 | 4,444 |
| Net interest income | $4,939,000 | 3,436 |
| Provision for loan and lease losses | $398,000 | 2,078 |
| Total noninterest income | $1,838,000 | 1,960 |
| Gross Fiduciary activities income | $33,000 | 1,171 |
| Service charges on deposit accounts | $957,000 | 1,302 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $848,000 | 2,081 |
| Total noninterest expense | $5,726,000 | 2,281 |
| Salaries and employee benefits | $2,736,000 | 2,469 |
| Premises and equipment expense | $1,381,000 | 1,416 |
| Additional noninterest expense | $1,609,000 | 2,611 |
| Pre-tax net operating income | $653,000 | 6,668 |
| Securities gains (losses) | $585,000 | 502 |
| Applicable income taxes | $469,000 | 4,011 |
| Income before extraordinary items | $769,000 | 5,309 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $769,000 | 5,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 2,108 |
| Cash dividends | $235,000 | 5,078 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $394,600 | 7,163 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,920,000 | 4,009 |
| Total interest expense | $3,140,000 | 4,533 |
| Net interest income | $4,780,000 | 3,636 |
| Provision for loan and lease losses | $95,000 | 5,292 |
| Total noninterest income | $1,541,000 | 2,153 |
| Gross Fiduciary activities income | $28,000 | 1,246 |
| Service charges on deposit accounts | $1,010,000 | 1,266 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $503,000 | 2,813 |
| Total noninterest expense | $5,528,000 | 2,339 |
| Salaries and employee benefits | $2,584,000 | 2,563 |
| Premises and equipment expense | $1,373,000 | 1,420 |
| Additional noninterest expense | $1,571,000 | 2,612 |
| Pre-tax net operating income | $698,000 | 6,983 |
| Securities gains (losses) | $37,000 | 1,522 |
| Applicable income taxes | $299,000 | 5,733 |
| Income before extraordinary items | $436,000 | 7,399 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $436,000 | 7,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,853 |
| Cash dividends | $659,000 | 2,894 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $412,320 | 7,506 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,115,000 | 4,515 |
| Total interest expense | $2,485,000 | 5,542 |
| Net interest income | $4,630,000 | 3,799 |
| Provision for loan and lease losses | $80,000 | 5,594 |
| Total noninterest income | $1,756,000 | 2,040 |
| Gross Fiduciary activities income | $29,000 | 1,310 |
| Service charges on deposit accounts | $1,040,000 | 1,285 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $687,000 | 2,330 |
| Total noninterest expense | $5,744,000 | 2,395 |
| Salaries and employee benefits | $2,487,000 | 2,715 |
| Premises and equipment expense | $1,300,000 | 1,562 |
| Additional noninterest expense | $1,962,000 | 2,507 |
| Pre-tax net operating income | $557,000 | 7,646 |
| Securities gains (losses) | $119,000 | 887 |
| Applicable income taxes | $164,000 | 7,668 |
| Income before extraordinary items | $512,000 | 6,815 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $512,000 | 6,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 3,303 |
| Cash dividends | $550,000 | 3,204 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $421,560 | 7,386 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,109,000 | 4,493 |
| Total interest expense | $2,583,000 | 5,422 |
| Net interest income | $4,526,000 | 3,883 |
| Provision for loan and lease losses | $190,000 | 3,120 |
| Total noninterest income | $1,554,000 | 2,233 |
| Gross Fiduciary activities income | $30,000 | 1,367 |
| Service charges on deposit accounts | $1,194,000 | 1,114 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $330,000 | 3,769 |
| Total noninterest expense | $5,560,000 | 2,445 |
| Salaries and employee benefits | $2,386,000 | 2,804 |
| Premises and equipment expense | $1,182,000 | 1,709 |
| Additional noninterest expense | $1,992,000 | 2,407 |
| Pre-tax net operating income | $330,000 | 9,532 |
| Securities gains (losses) | $197,000 | 674 |
| Applicable income taxes | $72,000 | 9,749 |
| Income before extraordinary items | $455,000 | 7,597 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $455,000 | 7,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,529 |
| Cash dividends | $766,000 | 2,504 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $285,580 | 9,054 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,589,000 | 4,473 |
| Total interest expense | $2,081,000 | 5,444 |
| Net interest income | $4,508,000 | 3,914 |
| Provision for loan and lease losses | $-256,000 | 12,373 |
| Total noninterest income | $1,945,000 | 1,868 |
| Gross Fiduciary activities income | $35,000 | 1,365 |
| Service charges on deposit accounts | $1,348,000 | 980 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $562,000 | 2,722 |
| Total noninterest expense | $6,304,000 | 2,239 |
| Salaries and employee benefits | $2,506,000 | 2,654 |
| Premises and equipment expense | $1,372,000 | 1,519 |
| Additional noninterest expense | $2,426,000 | 2,188 |
| Pre-tax net operating income | $405,000 | 9,327 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-132,000 | 12,338 |
| Income before extraordinary items | $537,000 | 7,027 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $537,000 | 7,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $362,000 | 1,679 |
| Cash dividends | $515,000 | 3,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $537,000 | 7,071 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,184,000 | 4,216 |
| Total interest expense | $2,537,000 | 4,746 |
| Net interest income | $4,647,000 | 3,814 |
| Provision for loan and lease losses | $659,000 | 1,735 |
| Total noninterest income | $2,625,000 | 1,617 |
| Gross Fiduciary activities income | $41,000 | 1,374 |
| Service charges on deposit accounts | $1,226,000 | 1,088 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,358,000 | 1,666 |
| Total noninterest expense | $7,125,000 | 2,065 |
| Salaries and employee benefits | $2,997,000 | 2,216 |
| Premises and equipment expense | $1,561,000 | 1,367 |
| Additional noninterest expense | $2,567,000 | 2,172 |
| Pre-tax net operating income | $-512,000 | 12,862 |
| Securities gains (losses) | $557,000 | 833 |
| Applicable income taxes | $-126,000 | 12,982 |
| Income before extraordinary items | $171,000 | 10,966 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $171,000 | 11,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,986,000 | 733 |
| Cash dividends | $160,000 | 5,928 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-386,000 | 12,797 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,511,000 | 8,168 |
| Total interest expense | $1,352,000 | 9,016 |
| Net interest income | $2,159,000 | 7,350 |
| Provision for loan and lease losses | $1,496,000 | 1,405 |
| Total noninterest income | $803,000 | 3,966 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $591,000 | 2,331 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $212,000 | 5,472 |
| Total noninterest expense | $2,766,000 | 4,876 |
| Salaries and employee benefits | $1,079,000 | 5,662 |
| Premises and equipment expense | $626,000 | 3,221 |
| Additional noninterest expense | $1,061,000 | 4,814 |
| Pre-tax net operating income | $-1,300,000 | 13,542 |
| Securities gains (losses) | $115,000 | 2,787 |
| Applicable income taxes | $-193,000 | 13,644 |
| Income before extraordinary items | $-992,000 | 13,548 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-992,000 | 13,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $554,000 | 2,307 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-1,088,600 | 13,501 |
* 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.