Home > Cheviot Savings Bank > Income and Expense
Cheviot Savings Bank, Income and Expense
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $4,477,000 | 1,414 |
| Total interest expense | $786,000 | 923 |
| Net interest income | $3,691,000 | 1,517 |
| Provision for loan and lease losses | $545,000 | 437 |
| Total noninterest income | $409,000 | 2,335 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $357,000 | 858 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $52,000 | 4,354 |
| Total noninterest expense | $3,355,000 | 1,460 |
| Salaries and employee benefits | $1,662,000 | 1,643 |
| Premises and equipment expense | $351,000 | 1,628 |
| Additional noninterest expense | $1,342,000 | 1,198 |
| Pre-tax net operating income | $200,000 | 4,431 |
| Securities gains (losses) | $0 | 2,077 |
| Applicable income taxes | $46,000 | 3,035 |
| Income before extraordinary items | $154,000 | 4,588 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $154,000 | 4,587 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $154,000 | 4,589 |
| Net charge-offs | $71,000 | 1,213 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $71,000 | 294 |
| Net operating income | $154,000 | 4,528 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $18,114,000 | 1,380 |
| Total interest expense | $3,414,000 | 820 |
| Net interest income | $14,700,000 | 1,503 |
| Provision for loan and lease losses | $1,695,000 | 521 |
| Total noninterest income | $2,737,000 | 1,706 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $1,425,000 | 896 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $1,312,000 | 2,034 |
| Total noninterest expense | $13,421,000 | 1,460 |
| Salaries and employee benefits | $6,893,000 | 1,534 |
| Premises and equipment expense | $1,475,000 | 1,557 |
| Additional noninterest expense | $5,053,000 | 1,258 |
| Pre-tax net operating income | $2,321,000 | 2,762 |
| Securities gains (losses) | $0 | 3,216 |
| Applicable income taxes | $763,000 | 1,849 |
| Income before extraordinary items | $1,558,000 | 3,159 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,558,000 | 3,160 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,558,000 | 3,161 |
| Net charge-offs | $394,000 | 1,374 |
| Cash dividends | $1,350,000 | 1,759 |
| Sale, conversion, retirement of capital stock, net | $339,000 | 366 |
| Net operating income | $1,558,000 | 3,110 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $13,606,000 | 1,387 |
| Total interest expense | $2,593,000 | 820 |
| Net interest income | $11,013,000 | 1,521 |
| Provision for loan and lease losses | $1,107,000 | 540 |
| Total noninterest income | $2,002,000 | 1,754 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $1,058,000 | 907 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $944,000 | 2,103 |
| Total noninterest expense | $10,414,000 | 1,400 |
| Salaries and employee benefits | $5,646,000 | 1,428 |
| Premises and equipment expense | $1,097,000 | 1,576 |
| Additional noninterest expense | $3,671,000 | 1,294 |
| Pre-tax net operating income | $1,494,000 | 3,083 |
| Securities gains (losses) | $0 | 3,031 |
| Applicable income taxes | $487,000 | 2,040 |
| Income before extraordinary items | $1,007,000 | 3,484 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,007,000 | 3,482 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,007,000 | 3,483 |
| Net charge-offs | $351,000 | 1,093 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $205,000 | 356 |
| Net operating income | $1,007,000 | 3,431 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $9,089,000 | 1,393 |
| Total interest expense | $1,754,000 | 809 |
| Net interest income | $7,335,000 | 1,522 |
| Provision for loan and lease losses | $439,000 | 878 |
| Total noninterest income | $1,290,000 | 1,804 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $691,000 | 911 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $599,000 | 2,190 |
| Total noninterest expense | $7,223,000 | 1,365 |
| Salaries and employee benefits | $4,057,000 | 1,349 |
| Premises and equipment expense | $713,000 | 1,638 |
| Additional noninterest expense | $2,453,000 | 1,292 |
| Pre-tax net operating income | $963,000 | 3,130 |
| Securities gains (losses) | $0 | 2,636 |
| Applicable income taxes | $331,000 | 2,030 |
| Income before extraordinary items | $632,000 | 3,578 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $632,000 | 3,578 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $632,000 | 3,579 |
| Net charge-offs | $290,000 | 930 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $147,000 | 332 |
| Net operating income | $632,000 | 3,523 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $4,464,000 | 1,413 |
| Total interest expense | $892,000 | 794 |
| Net interest income | $3,572,000 | 1,543 |
| Provision for loan and lease losses | $147,000 | 1,167 |
| Total noninterest income | $552,000 | 1,984 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $333,000 | 929 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $219,000 | 2,509 |
| Total noninterest expense | $3,916,000 | 1,281 |
| Salaries and employee benefits | $2,353,000 | 1,197 |
| Premises and equipment expense | $351,000 | 1,680 |
| Additional noninterest expense | $1,212,000 | 1,297 |
| Pre-tax net operating income | $61,000 | 5,537 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $35,000 | 3,243 |
| Income before extraordinary items | $26,000 | 5,845 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $26,000 | 5,846 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $26,000 | 5,846 |
| Net charge-offs | $60,000 | 1,434 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 352 |
| Net operating income | $26,000 | 5,798 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $18,485,000 | 1,374 |
| Total interest expense | $3,524,000 | 841 |
| Net interest income | $14,961,000 | 1,476 |
| Provision for loan and lease losses | $1,024,000 | 851 |
| Total noninterest income | $2,152,000 | 1,999 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $1,473,000 | 899 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $679,000 | 2,865 |
| Total noninterest expense | $12,359,000 | 1,549 |
| Salaries and employee benefits | $6,005,000 | 1,723 |
| Premises and equipment expense | $1,539,000 | 1,538 |
| Additional noninterest expense | $4,815,000 | 1,342 |
| Pre-tax net operating income | $3,730,000 | 1,937 |
| Securities gains (losses) | $255,000 | 680 |
| Applicable income taxes | $1,200,000 | 1,361 |
| Income before extraordinary items | $2,785,000 | 2,134 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $2,785,000 | 2,134 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,785,000 | 2,133 |
| Net charge-offs | $486,000 | 1,492 |
| Cash dividends | $2,600,000 | 1,048 |
| Sale, conversion, retirement of capital stock, net | $200,000 | 428 |
| Net operating income | $2,606,500 | 2,185 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $13,888,000 | 1,375 |
| Total interest expense | $2,697,000 | 834 |
| Net interest income | $11,191,000 | 1,484 |
| Provision for loan and lease losses | $810,000 | 799 |
| Total noninterest income | $1,472,000 | 2,143 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $1,117,000 | 901 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $355,000 | 3,379 |
| Total noninterest expense | $9,348,000 | 1,538 |
| Salaries and employee benefits | $4,488,000 | 1,729 |
| Premises and equipment expense | $1,162,000 | 1,535 |
| Additional noninterest expense | $3,698,000 | 1,313 |
| Pre-tax net operating income | $2,505,000 | 2,138 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $727,000 | 1,607 |
| Income before extraordinary items | $1,778,000 | 2,416 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,778,000 | 2,417 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,778,000 | 2,416 |
| Net charge-offs | $290,000 | 1,632 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $84,000 | 489 |
| Net operating income | $1,778,000 | 2,372 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $9,273,000 | 1,367 |
| Total interest expense | $1,826,000 | 822 |
| Net interest income | $7,447,000 | 1,480 |
| Provision for loan and lease losses | $555,000 | 767 |
| Total noninterest income | $730,000 | 2,532 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $729,000 | 903 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $1,000 | 6,385 |
| Total noninterest expense | $6,366,000 | 1,509 |
| Salaries and employee benefits | $3,025,000 | 1,698 |
| Premises and equipment expense | $785,000 | 1,522 |
| Additional noninterest expense | $2,556,000 | 1,269 |
| Pre-tax net operating income | $1,256,000 | 2,560 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $340,000 | 1,940 |
| Income before extraordinary items | $916,000 | 2,819 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $916,000 | 2,823 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $916,000 | 2,823 |
| Net charge-offs | $260,000 | 1,371 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 495 |
| Net operating income | $916,000 | 2,770 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $4,646,000 | 1,361 |
| Total interest expense | $921,000 | 824 |
| Net interest income | $3,725,000 | 1,469 |
| Provision for loan and lease losses | $200,000 | 985 |
| Total noninterest income | $392,000 | 2,404 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $353,000 | 917 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $39,000 | 4,862 |
| Total noninterest expense | $3,147,000 | 1,528 |
| Salaries and employee benefits | $1,552,000 | 1,675 |
| Premises and equipment expense | $407,000 | 1,498 |
| Additional noninterest expense | $1,188,000 | 1,339 |
| Pre-tax net operating income | $770,000 | 2,155 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $213,000 | 1,658 |
| Income before extraordinary items | $557,000 | 2,392 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $557,000 | 2,393 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $557,000 | 2,394 |
| Net charge-offs | $169,000 | 1,046 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 607 |
| Net operating income | $557,000 | 2,346 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $19,284,000 | 1,318 |
| Total interest expense | $4,338,000 | 767 |
| Net interest income | $14,946,000 | 1,459 |
| Provision for loan and lease losses | $1,443,000 | 818 |
| Total noninterest income | $1,994,000 | 2,181 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $1,450,000 | 952 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $544,000 | 3,248 |
| Total noninterest expense | $13,450,000 | 1,456 |
| Salaries and employee benefits | $6,338,000 | 1,631 |
| Premises and equipment expense | $1,745,000 | 1,363 |
| Additional noninterest expense | $5,367,000 | 1,252 |
| Pre-tax net operating income | $2,047,000 | 2,812 |
| Securities gains (losses) | $36,000 | 2,016 |
| Applicable income taxes | $499,000 | 2,163 |
| Income before extraordinary items | $1,584,000 | 3,053 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,584,000 | 3,055 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $1,584,000 | 3,056 |
| Net charge-offs | $1,906,000 | 774 |
| Cash dividends | $1,584,000 | 1,425 |
| Sale, conversion, retirement of capital stock, net | $442,000 | 303 |
| Net operating income | $1,556,640 | 3,020 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $14,592,000 | 1,313 |
| Total interest expense | $3,334,000 | 775 |
| Net interest income | $11,258,000 | 1,448 |
| Provision for loan and lease losses | $925,000 | 937 |
| Total noninterest income | $1,447,000 | 2,260 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $1,070,000 | 968 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $377,000 | 3,407 |
| Total noninterest expense | $10,313,000 | 1,432 |
| Salaries and employee benefits | $4,975,000 | 1,574 |
| Premises and equipment expense | $1,311,000 | 1,374 |
| Additional noninterest expense | $4,027,000 | 1,243 |
| Pre-tax net operating income | $1,467,000 | 2,955 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $351,000 | 2,276 |
| Income before extraordinary items | $1,116,000 | 3,210 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $1,116,000 | 3,213 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,116,000 | 3,214 |
| Net charge-offs | $1,516,000 | 734 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 543 |
| Net operating income | $1,116,000 | 3,146 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $9,904,000 | 1,278 |
| Total interest expense | $2,268,000 | 791 |
| Net interest income | $7,636,000 | 1,405 |
| Provision for loan and lease losses | $340,000 | 1,526 |
| Total noninterest income | $1,156,000 | 2,022 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $701,000 | 959 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $455,000 | 2,610 |
| Total noninterest expense | $6,972,000 | 1,412 |
| Salaries and employee benefits | $3,480,000 | 1,498 |
| Premises and equipment expense | $877,000 | 1,367 |
| Additional noninterest expense | $2,615,000 | 1,270 |
| Pre-tax net operating income | $1,480,000 | 2,215 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $400,000 | 1,740 |
| Income before extraordinary items | $1,080,000 | 2,480 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,080,000 | 2,487 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,080,000 | 2,486 |
| Net charge-offs | $972,000 | 782 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 468 |
| Net operating income | $1,080,000 | 2,384 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $5,082,000 | 1,257 |
| Total interest expense | $1,162,000 | 798 |
| Net interest income | $3,920,000 | 1,369 |
| Provision for loan and lease losses | $55,000 | 2,729 |
| Total noninterest income | $806,000 | 1,562 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $343,000 | 968 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $463,000 | 1,655 |
| Total noninterest expense | $3,507,000 | 1,415 |
| Salaries and employee benefits | $1,764,000 | 1,501 |
| Premises and equipment expense | $426,000 | 1,436 |
| Additional noninterest expense | $1,317,000 | 1,255 |
| Pre-tax net operating income | $1,164,000 | 1,505 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $348,000 | 1,193 |
| Income before extraordinary items | $816,000 | 1,740 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $816,000 | 1,742 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $816,000 | 1,742 |
| Net charge-offs | $608,000 | 673 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 682 |
| Net operating income | $816,000 | 1,678 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $21,689,000 | 1,225 |
| Total interest expense | $5,616,000 | 798 |
| Net interest income | $16,073,000 | 1,356 |
| Provision for loan and lease losses | $1,280,000 | 1,481 |
| Total noninterest income | $4,077,000 | 1,312 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $1,604,000 | 883 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $2,473,000 | 1,335 |
| Total noninterest expense | $13,904,000 | 1,416 |
| Salaries and employee benefits | $6,430,000 | 1,576 |
| Premises and equipment expense | $1,842,000 | 1,291 |
| Additional noninterest expense | $5,632,000 | 1,217 |
| Pre-tax net operating income | $4,966,000 | 1,382 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $1,352,000 | 1,183 |
| Income before extraordinary items | $3,614,000 | 1,582 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,614,000 | 1,583 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $3,614,000 | 1,583 |
| Net charge-offs | $566,000 | 2,489 |
| Cash dividends | $3,000,000 | 868 |
| Sale, conversion, retirement of capital stock, net | $-1,121,000 | 7,061 |
| Net operating income | $3,614,000 | 1,495 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $16,397,000 | 1,242 |
| Total interest expense | $4,341,000 | 804 |
| Net interest income | $12,056,000 | 1,372 |
| Provision for loan and lease losses | $990,000 | 1,449 |
| Total noninterest income | $3,160,000 | 1,296 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $1,139,000 | 946 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $2,021,000 | 1,251 |
| Total noninterest expense | $10,639,000 | 1,397 |
| Salaries and employee benefits | $4,970,000 | 1,523 |
| Premises and equipment expense | $1,394,000 | 1,287 |
| Additional noninterest expense | $4,275,000 | 1,199 |
| Pre-tax net operating income | $3,587,000 | 1,470 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $927,000 | 1,304 |
| Income before extraordinary items | $2,660,000 | 1,656 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,660,000 | 1,656 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,660,000 | 1,657 |
| Net charge-offs | $436,000 | 2,357 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $-1,497,000 | 7,169 |
| Net operating income | $2,660,000 | 1,560 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $11,029,000 | 1,243 |
| Total interest expense | $2,975,000 | 815 |
| Net interest income | $8,054,000 | 1,371 |
| Provision for loan and lease losses | $400,000 | 2,061 |
| Total noninterest income | $2,058,000 | 1,306 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $753,000 | 942 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,305,000 | 1,263 |
| Total noninterest expense | $6,848,000 | 1,431 |
| Salaries and employee benefits | $3,310,000 | 1,528 |
| Premises and equipment expense | $932,000 | 1,277 |
| Additional noninterest expense | $2,606,000 | 1,303 |
| Pre-tax net operating income | $2,864,000 | 1,244 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $723,000 | 1,148 |
| Income before extraordinary items | $2,141,000 | 1,388 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,141,000 | 1,388 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,141,000 | 1,388 |
| Net charge-offs | $251,000 | 2,491 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $-1,490,000 | 7,233 |
| Net operating income | $2,141,000 | 1,308 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $5,556,000 | 1,237 |
| Total interest expense | $1,526,000 | 817 |
| Net interest income | $4,030,000 | 1,376 |
| Provision for loan and lease losses | $150,000 | 2,302 |
| Total noninterest income | $879,000 | 1,438 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $380,000 | 916 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $499,000 | 1,512 |
| Total noninterest expense | $3,460,000 | 1,414 |
| Salaries and employee benefits | $1,722,000 | 1,488 |
| Premises and equipment expense | $464,000 | 1,292 |
| Additional noninterest expense | $1,274,000 | 1,323 |
| Pre-tax net operating income | $1,299,000 | 1,350 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $396,000 | 1,081 |
| Income before extraordinary items | $903,000 | 1,613 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $903,000 | 1,614 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $903,000 | 1,614 |
| Net charge-offs | $152,000 | 2,074 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $-1,507,000 | 7,304 |
| Net operating income | $903,000 | 1,508 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $21,841,000 | 1,317 |
| Total interest expense | $6,024,000 | 1,008 |
| Net interest income | $15,817,000 | 1,408 |
| Provision for loan and lease losses | $700,000 | 2,943 |
| Total noninterest income | $3,094,000 | 1,461 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 6,974 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $3,094,000 | 1,018 |
| Total noninterest expense | $13,130,000 | 1,482 |
| Salaries and employee benefits | $6,421,000 | 1,537 |
| Premises and equipment expense | $2,079,000 | 1,202 |
| Additional noninterest expense | $4,630,000 | 1,484 |
| Pre-tax net operating income | $5,081,000 | 1,168 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $1,344,000 | 1,080 |
| Income before extraordinary items | $3,737,000 | 1,323 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,737,000 | 1,323 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $3,737,000 | 1,323 |
| Net charge-offs | $-69,000 | 7,221 |
| Cash dividends | $15,000,000 | 173 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $3,737,000 | 1,257 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $16,119,000 | 1,344 |
| Total interest expense | $4,457,000 | 1,059 |
| Net interest income | $11,662,000 | 1,440 |
| Provision for loan and lease losses | $400,000 | 3,210 |
| Total noninterest income | $1,883,000 | 1,683 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,025 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,883,000 | 1,164 |
| Total noninterest expense | $9,709,000 | 1,510 |
| Salaries and employee benefits | $5,042,000 | 1,472 |
| Premises and equipment expense | $1,410,000 | 1,338 |
| Additional noninterest expense | $3,257,000 | 1,567 |
| Pre-tax net operating income | $3,436,000 | 1,312 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $828,000 | 1,253 |
| Income before extraordinary items | $2,608,000 | 1,460 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,608,000 | 1,461 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,608,000 | 1,461 |
| Net charge-offs | $-130,000 | 7,340 |
| Cash dividends | $15,000,000 | 115 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $2,608,000 | 1,385 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $10,063,000 | 1,448 |
| Total interest expense | $2,861,000 | 1,139 |
| Net interest income | $7,202,000 | 1,558 |
| Provision for loan and lease losses | $200,000 | 3,519 |
| Total noninterest income | $1,181,000 | 1,772 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,067 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,181,000 | 1,198 |
| Total noninterest expense | $6,181,000 | 1,592 |
| Salaries and employee benefits | $3,308,000 | 1,512 |
| Premises and equipment expense | $797,000 | 1,584 |
| Additional noninterest expense | $2,076,000 | 1,662 |
| Pre-tax net operating income | $2,002,000 | 1,455 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $377,000 | 1,585 |
| Income before extraordinary items | $1,625,000 | 1,513 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,625,000 | 1,513 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,625,000 | 1,513 |
| Net charge-offs | $-201,000 | 7,443 |
| Cash dividends | $15,000,000 | 82 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $1,625,000 | 1,446 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,943,000 | 1,826 |
| Total interest expense | $1,222,000 | 1,390 |
| Net interest income | $2,721,000 | 2,008 |
| Provision for loan and lease losses | $150,000 | 2,750 |
| Total noninterest income | $224,000 | 3,367 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,070 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $224,000 | 2,317 |
| Total noninterest expense | $2,113,000 | 2,294 |
| Salaries and employee benefits | $1,200,000 | 2,036 |
| Premises and equipment expense | $262,000 | 2,388 |
| Additional noninterest expense | $651,000 | 2,548 |
| Pre-tax net operating income | $682,000 | 2,008 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $682,000 | 1,717 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $682,000 | 1,717 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $682,000 | 1,717 |
| Net charge-offs | $-201,000 | 7,512 |
| Cash dividends | $15,000,000 | 47 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $682,000 | 1,665 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $15,240,000 | 1,984 |
| Total interest expense | $4,758,000 | 1,713 |
| Net interest income | $10,482,000 | 2,082 |
| Provision for loan and lease losses | $550,000 | 3,991 |
| Total noninterest income | $1,335,000 | 2,729 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,335,000 | 1,820 |
| Total noninterest expense | $7,631,000 | 2,543 |
| Salaries and employee benefits | $4,498,000 | 2,156 |
| Premises and equipment expense | $996,000 | 2,487 |
| Additional noninterest expense | $2,137,000 | 3,073 |
| Pre-tax net operating income | $3,636,000 | 1,370 |
| Securities gains (losses) | $20,000 | 3,102 |
| Applicable income taxes | $1,227,000 | 1,047 |
| Income before extraordinary items | $2,429,000 | 1,697 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,429,000 | 1,697 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $2,429,000 | 1,699 |
| Net charge-offs | $404,000 | 3,922 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $2,415,800 | 1,644 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $11,702,000 | 1,985 |
| Total interest expense | $3,690,000 | 1,730 |
| Net interest income | $8,012,000 | 2,067 |
| Provision for loan and lease losses | $250,000 | 4,581 |
| Total noninterest income | $805,000 | 3,138 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $805,000 | 2,069 |
| Total noninterest expense | $5,787,000 | 2,502 |
| Salaries and employee benefits | $3,457,000 | 2,092 |
| Premises and equipment expense | $749,000 | 2,522 |
| Additional noninterest expense | $1,581,000 | 3,066 |
| Pre-tax net operating income | $2,780,000 | 1,408 |
| Securities gains (losses) | $20,000 | 2,883 |
| Applicable income taxes | $954,000 | 1,035 |
| Income before extraordinary items | $1,846,000 | 1,786 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,846,000 | 1,789 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,846,000 | 1,789 |
| Net charge-offs | $156,000 | 4,468 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $1,832,800 | 1,707 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,938,000 | 1,964 |
| Total interest expense | $2,542,000 | 1,748 |
| Net interest income | $5,396,000 | 2,050 |
| Provision for loan and lease losses | $100,000 | 5,137 |
| Total noninterest income | $332,000 | 4,047 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $332,000 | 2,690 |
| Total noninterest expense | $3,915,000 | 2,473 |
| Salaries and employee benefits | $2,376,000 | 2,045 |
| Premises and equipment expense | $483,000 | 2,600 |
| Additional noninterest expense | $1,056,000 | 3,049 |
| Pre-tax net operating income | $1,713,000 | 1,519 |
| Securities gains (losses) | $20,000 | 2,363 |
| Applicable income taxes | $632,000 | 1,017 |
| Income before extraordinary items | $1,101,000 | 1,949 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,101,000 | 1,949 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,101,000 | 1,949 |
| Net charge-offs | $57,000 | 4,770 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,088,200 | 1,879 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,987,000 | 2,005 |
| Total interest expense | $1,302,000 | 1,791 |
| Net interest income | $2,685,000 | 2,082 |
| Provision for loan and lease losses | $40,000 | 5,088 |
| Total noninterest income | $152,000 | 4,247 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $152,000 | 2,815 |
| Total noninterest expense | $2,023,000 | 2,423 |
| Salaries and employee benefits | $1,218,000 | 2,026 |
| Premises and equipment expense | $249,000 | 2,604 |
| Additional noninterest expense | $556,000 | 2,899 |
| Pre-tax net operating income | $774,000 | 1,671 |
| Securities gains (losses) | $20,000 | 1,521 |
| Applicable income taxes | $277,000 | 1,116 |
| Income before extraordinary items | $517,000 | 2,087 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $517,000 | 2,086 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $517,000 | 2,087 |
| Net charge-offs | $34,000 | 4,045 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $504,000 | 2,041 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $16,371,000 | 2,078 |
| Total interest expense | $6,658,000 | 1,758 |
| Net interest income | $9,713,000 | 2,251 |
| Provision for loan and lease losses | $853,000 | 3,754 |
| Total noninterest income | $657,000 | 4,192 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $657,000 | 2,767 |
| Total noninterest expense | $7,759,000 | 2,540 |
| Salaries and employee benefits | $4,753,000 | 2,069 |
| Premises and equipment expense | $1,026,000 | 2,520 |
| Additional noninterest expense | $1,980,000 | 3,342 |
| Pre-tax net operating income | $1,758,000 | 2,122 |
| Securities gains (losses) | $127,000 | 1,928 |
| Applicable income taxes | $666,000 | 1,287 |
| Income before extraordinary items | $1,219,000 | 2,453 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,219,000 | 2,451 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,219,000 | 2,452 |
| Net charge-offs | $624,000 | 3,508 |
| Cash dividends | $3,475,000 | 502 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,136,450 | 2,509 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $12,439,000 | 2,082 |
| Total interest expense | $5,227,000 | 1,766 |
| Net interest income | $7,212,000 | 2,277 |
| Provision for loan and lease losses | $803,000 | 3,102 |
| Total noninterest income | $404,000 | 4,655 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $404,000 | 3,166 |
| Total noninterest expense | $5,829,000 | 2,537 |
| Salaries and employee benefits | $3,564,000 | 2,079 |
| Premises and equipment expense | $803,000 | 2,469 |
| Additional noninterest expense | $1,462,000 | 3,344 |
| Pre-tax net operating income | $984,000 | 2,765 |
| Securities gains (losses) | $194,000 | 1,306 |
| Applicable income taxes | $413,000 | 1,598 |
| Income before extraordinary items | $765,000 | 2,948 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $765,000 | 2,946 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $765,000 | 2,949 |
| Net charge-offs | $571,000 | 2,864 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $638,900 | 3,189 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,407,000 | 2,088 |
| Total interest expense | $3,615,000 | 1,780 |
| Net interest income | $4,792,000 | 2,279 |
| Provision for loan and lease losses | $452,000 | 3,097 |
| Total noninterest income | $256,000 | 4,757 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $256,000 | 3,259 |
| Total noninterest expense | $3,970,000 | 2,517 |
| Salaries and employee benefits | $2,420,000 | 2,084 |
| Premises and equipment expense | $560,000 | 2,393 |
| Additional noninterest expense | $990,000 | 3,315 |
| Pre-tax net operating income | $626,000 | 2,945 |
| Securities gains (losses) | $161,000 | 1,160 |
| Applicable income taxes | $234,000 | 1,801 |
| Income before extraordinary items | $553,000 | 2,915 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $553,000 | 2,914 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $553,000 | 2,915 |
| Net charge-offs | $222,000 | 3,305 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $440,300 | 3,213 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,328,000 | 2,049 |
| Total interest expense | $1,873,000 | 1,794 |
| Net interest income | $2,455,000 | 2,237 |
| Provision for loan and lease losses | $337,000 | 2,176 |
| Total noninterest income | $153,000 | 4,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $153,000 | 2,930 |
| Total noninterest expense | $1,889,000 | 2,558 |
| Salaries and employee benefits | $1,188,000 | 2,149 |
| Premises and equipment expense | $300,000 | 2,298 |
| Additional noninterest expense | $401,000 | 3,573 |
| Pre-tax net operating income | $382,000 | 2,891 |
| Securities gains (losses) | $68,000 | 1,165 |
| Applicable income taxes | $124,000 | 1,969 |
| Income before extraordinary items | $326,000 | 2,970 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $326,000 | 2,971 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $326,000 | 2,971 |
| Net charge-offs | $195,000 | 2,156 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $277,040 | 3,121 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $18,054,000 | 2,110 |
| Total interest expense | $8,567,000 | 1,854 |
| Net interest income | $9,487,000 | 2,316 |
| Provision for loan and lease losses | $667,000 | 3,320 |
| Total noninterest income | $473,000 | 4,963 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $473,000 | 3,274 |
| Total noninterest expense | $7,156,000 | 2,632 |
| Salaries and employee benefits | $4,541,000 | 2,234 |
| Premises and equipment expense | $1,104,000 | 2,410 |
| Additional noninterest expense | $1,511,000 | 3,597 |
| Pre-tax net operating income | $2,137,000 | 2,326 |
| Securities gains (losses) | $41,000 | 1,735 |
| Applicable income taxes | $650,000 | 1,591 |
| Income before extraordinary items | $1,528,000 | 2,481 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,528,000 | 2,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 4,250 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,499,300 | 2,664 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $13,514,000 | 2,158 |
| Total interest expense | $6,599,000 | 1,877 |
| Net interest income | $6,915,000 | 2,389 |
| Provision for loan and lease losses | $413,000 | 3,025 |
| Total noninterest income | $332,000 | 5,177 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $332,000 | 3,513 |
| Total noninterest expense | $5,376,000 | 2,622 |
| Salaries and employee benefits | $3,452,000 | 2,232 |
| Premises and equipment expense | $811,000 | 2,459 |
| Additional noninterest expense | $1,113,000 | 3,579 |
| Pre-tax net operating income | $1,458,000 | 2,901 |
| Securities gains (losses) | $17,000 | 2,103 |
| Applicable income taxes | $466,000 | 1,986 |
| Income before extraordinary items | $1,009,000 | 3,087 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,009,000 | 3,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 3,204 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $997,440 | 3,251 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,940,000 | 2,201 |
| Total interest expense | $4,573,000 | 1,886 |
| Net interest income | $4,367,000 | 2,510 |
| Provision for loan and lease losses | $288,000 | 2,621 |
| Total noninterest income | $204,000 | 5,386 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $204,000 | 3,724 |
| Total noninterest expense | $3,521,000 | 2,664 |
| Salaries and employee benefits | $2,240,000 | 2,317 |
| Premises and equipment expense | $540,000 | 2,469 |
| Additional noninterest expense | $741,000 | 3,561 |
| Pre-tax net operating income | $762,000 | 3,541 |
| Securities gains (losses) | $6,000 | 2,681 |
| Applicable income taxes | $209,000 | 2,632 |
| Income before extraordinary items | $559,000 | 3,790 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $559,000 | 3,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,066 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $554,620 | 3,759 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,520,000 | 2,228 |
| Total interest expense | $2,428,000 | 1,909 |
| Net interest income | $2,092,000 | 2,605 |
| Provision for loan and lease losses | $263,000 | 1,533 |
| Total noninterest income | $63,000 | 6,287 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $63,000 | 4,607 |
| Total noninterest expense | $1,741,000 | 2,686 |
| Salaries and employee benefits | $1,082,000 | 2,401 |
| Premises and equipment expense | $281,000 | 2,399 |
| Additional noninterest expense | $378,000 | 3,459 |
| Pre-tax net operating income | $151,000 | 5,424 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $44,000 | 3,700 |
| Income before extraordinary items | $107,000 | 5,748 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $107,000 | 5,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 1,685 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $107,000 | 5,657 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $17,790,000 | 2,316 |
| Total interest expense | $9,709,000 | 1,979 |
| Net interest income | $8,081,000 | 2,697 |
| Provision for loan and lease losses | $116,000 | 4,724 |
| Total noninterest income | $520,000 | 4,954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $520,000 | 3,235 |
| Total noninterest expense | $7,117,000 | 2,548 |
| Salaries and employee benefits | $4,532,000 | 2,218 |
| Premises and equipment expense | $1,062,000 | 2,439 |
| Additional noninterest expense | $1,523,000 | 3,370 |
| Pre-tax net operating income | $1,368,000 | 4,072 |
| Securities gains (losses) | $28,000 | 991 |
| Applicable income taxes | $441,000 | 2,904 |
| Income before extraordinary items | $955,000 | 4,419 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $955,000 | 4,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 3,328 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $935,960 | 4,454 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,276,000 | 2,337 |
| Total interest expense | $7,214,000 | 1,998 |
| Net interest income | $6,062,000 | 2,704 |
| Provision for loan and lease losses | $15,000 | 5,999 |
| Total noninterest income | $373,000 | 5,067 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $373,000 | 3,335 |
| Total noninterest expense | $5,401,000 | 2,510 |
| Salaries and employee benefits | $3,486,000 | 2,164 |
| Premises and equipment expense | $776,000 | 2,478 |
| Additional noninterest expense | $1,139,000 | 3,327 |
| Pre-tax net operating income | $1,019,000 | 4,313 |
| Securities gains (losses) | $14,000 | 909 |
| Applicable income taxes | $325,000 | 3,087 |
| Income before extraordinary items | $708,000 | 4,630 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $708,000 | 4,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 3,232 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $698,340 | 4,657 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,762,000 | 2,379 |
| Total interest expense | $4,712,000 | 2,040 |
| Net interest income | $4,050,000 | 2,722 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $236,000 | 5,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $236,000 | 3,465 |
| Total noninterest expense | $3,619,000 | 2,526 |
| Salaries and employee benefits | $2,342,000 | 2,187 |
| Premises and equipment expense | $508,000 | 2,547 |
| Additional noninterest expense | $769,000 | 3,297 |
| Pre-tax net operating income | $667,000 | 4,430 |
| Securities gains (losses) | $5,000 | 1,010 |
| Applicable income taxes | $211,000 | 3,192 |
| Income before extraordinary items | $461,000 | 4,748 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $461,000 | 4,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 2,426 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $457,550 | 4,765 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,344,000 | 2,391 |
| Total interest expense | $2,313,000 | 2,066 |
| Net interest income | $2,031,000 | 2,716 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $104,000 | 5,453 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $104,000 | 3,699 |
| Total noninterest expense | $1,855,000 | 2,462 |
| Salaries and employee benefits | $1,184,000 | 2,170 |
| Premises and equipment expense | $267,000 | 2,439 |
| Additional noninterest expense | $404,000 | 3,146 |
| Pre-tax net operating income | $280,000 | 4,807 |
| Securities gains (losses) | $5,000 | 805 |
| Applicable income taxes | $83,000 | 3,533 |
| Income before extraordinary items | $202,000 | 5,036 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $202,000 | 5,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $198,450 | 5,069 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $16,476,000 | 2,360 |
| Total interest expense | $8,048,000 | 2,032 |
| Net interest income | $8,428,000 | 2,660 |
| Provision for loan and lease losses | $25,000 | 6,138 |
| Total noninterest income | $561,000 | 4,882 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $561,000 | 3,139 |
| Total noninterest expense | $6,542,000 | 2,676 |
| Salaries and employee benefits | $4,416,000 | 2,210 |
| Premises and equipment expense | $875,000 | 2,777 |
| Additional noninterest expense | $1,251,000 | 3,814 |
| Pre-tax net operating income | $2,422,000 | 3,195 |
| Securities gains (losses) | $44,000 | 713 |
| Applicable income taxes | $773,000 | 2,524 |
| Income before extraordinary items | $1,693,000 | 3,496 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,693,000 | 3,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,662,640 | 3,518 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,119,000 | 2,391 |
| Total interest expense | $5,783,000 | 2,058 |
| Net interest income | $6,336,000 | 2,680 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $395,000 | 5,042 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $395,000 | 3,240 |
| Total noninterest expense | $4,937,000 | 2,655 |
| Salaries and employee benefits | $3,332,000 | 2,208 |
| Premises and equipment expense | $636,000 | 2,864 |
| Additional noninterest expense | $969,000 | 3,697 |
| Pre-tax net operating income | $1,794,000 | 3,348 |
| Securities gains (losses) | $23,000 | 711 |
| Applicable income taxes | $580,000 | 2,649 |
| Income before extraordinary items | $1,237,000 | 3,655 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,237,000 | 3,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,221,360 | 3,681 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,848,000 | 2,418 |
| Total interest expense | $3,579,000 | 2,090 |
| Net interest income | $4,269,000 | 2,658 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $221,000 | 5,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $221,000 | 3,549 |
| Total noninterest expense | $3,268,000 | 2,692 |
| Salaries and employee benefits | $2,212,000 | 2,223 |
| Premises and equipment expense | $415,000 | 2,908 |
| Additional noninterest expense | $641,000 | 3,722 |
| Pre-tax net operating income | $1,222,000 | 3,320 |
| Securities gains (losses) | $13,000 | 684 |
| Applicable income taxes | $398,000 | 2,625 |
| Income before extraordinary items | $837,000 | 3,632 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $837,000 | 3,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $828,160 | 3,654 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,839,000 | 2,412 |
| Total interest expense | $1,682,000 | 2,120 |
| Net interest income | $2,157,000 | 2,626 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $109,000 | 5,421 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $109,000 | 3,553 |
| Total noninterest expense | $1,624,000 | 2,696 |
| Salaries and employee benefits | $1,108,000 | 2,222 |
| Premises and equipment expense | $200,000 | 3,020 |
| Additional noninterest expense | $316,000 | 3,749 |
| Pre-tax net operating income | $642,000 | 3,167 |
| Securities gains (losses) | $7,000 | 642 |
| Applicable income taxes | $206,000 | 2,564 |
| Income before extraordinary items | $443,000 | 3,441 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $443,000 | 3,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $438,240 | 3,444 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,367,000 | 2,298 |
| Total interest expense | $5,336,000 | 2,078 |
| Net interest income | $9,031,000 | 2,431 |
| Provision for loan and lease losses | $97,000 | 4,882 |
| Total noninterest income | $490,000 | 5,288 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $490,000 | 3,405 |
| Total noninterest expense | $6,081,000 | 2,721 |
| Salaries and employee benefits | $3,765,000 | 2,424 |
| Premises and equipment expense | $826,000 | 2,816 |
| Additional noninterest expense | $1,490,000 | 3,246 |
| Pre-tax net operating income | $3,343,000 | 2,541 |
| Securities gains (losses) | $12,000 | 1,423 |
| Applicable income taxes | $1,106,000 | 2,122 |
| Income before extraordinary items | $2,249,000 | 2,797 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,249,000 | 2,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,898 |
| Cash dividends | $12,500,000 | 323 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,240,960 | 2,767 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,568,000 | 2,303 |
| Total interest expense | $3,781,000 | 2,080 |
| Net interest income | $6,787,000 | 2,413 |
| Provision for loan and lease losses | $62,000 | 4,925 |
| Total noninterest income | $320,000 | 5,624 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $320,000 | 3,688 |
| Total noninterest expense | $4,580,000 | 2,669 |
| Salaries and employee benefits | $2,854,000 | 2,368 |
| Premises and equipment expense | $615,000 | 2,813 |
| Additional noninterest expense | $1,111,000 | 3,227 |
| Pre-tax net operating income | $2,465,000 | 2,597 |
| Securities gains (losses) | $13,000 | 1,390 |
| Applicable income taxes | $822,000 | 2,164 |
| Income before extraordinary items | $1,656,000 | 2,898 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,656,000 | 2,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,559 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,647,290 | 2,870 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,896,000 | 2,292 |
| Total interest expense | $2,370,000 | 2,080 |
| Net interest income | $4,526,000 | 2,387 |
| Provision for loan and lease losses | $32,000 | 5,100 |
| Total noninterest income | $209,000 | 5,643 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $209,000 | 3,689 |
| Total noninterest expense | $3,047,000 | 2,659 |
| Salaries and employee benefits | $1,871,000 | 2,382 |
| Premises and equipment expense | $414,000 | 2,760 |
| Additional noninterest expense | $762,000 | 3,147 |
| Pre-tax net operating income | $1,656,000 | 2,540 |
| Securities gains (losses) | $4,000 | 1,659 |
| Applicable income taxes | $550,000 | 2,122 |
| Income before extraordinary items | $1,110,000 | 2,852 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,110,000 | 2,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,937 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,107,320 | 2,816 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,415,000 | 2,259 |
| Total interest expense | $1,128,000 | 2,088 |
| Net interest income | $2,287,000 | 2,351 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $88,000 | 5,960 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $88,000 | 3,999 |
| Total noninterest expense | $1,408,000 | 2,872 |
| Salaries and employee benefits | $885,000 | 2,530 |
| Premises and equipment expense | $212,000 | 2,724 |
| Additional noninterest expense | $311,000 | 3,705 |
| Pre-tax net operating income | $967,000 | 2,220 |
| Securities gains (losses) | $1,000 | 1,514 |
| Applicable income taxes | $327,000 | 1,863 |
| Income before extraordinary items | $641,000 | 2,472 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $641,000 | 2,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,076 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $640,340 | 2,435 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,934,000 | 2,222 |
| Total interest expense | $4,083,000 | 1,997 |
| Net interest income | $8,851,000 | 2,307 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $284,000 | 6,523 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $284,000 | 4,365 |
| Total noninterest expense | $6,014,000 | 2,642 |
| Salaries and employee benefits | $3,308,000 | 2,608 |
| Premises and equipment expense | $777,000 | 2,861 |
| Additional noninterest expense | $1,929,000 | 2,508 |
| Pre-tax net operating income | $3,121,000 | 2,507 |
| Securities gains (losses) | $58,000 | 1,619 |
| Applicable income taxes | $1,084,000 | 2,028 |
| Income before extraordinary items | $2,095,000 | 2,805 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,095,000 | 2,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,046 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $18,183,000 | 37 |
| Net operating income | $2,056,720 | 2,779 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,575,000 | 2,214 |
| Total interest expense | $3,041,000 | 1,970 |
| Net interest income | $6,534,000 | 2,312 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $170,000 | 6,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $170,000 | 4,841 |
| Total noninterest expense | $4,759,000 | 2,488 |
| Salaries and employee benefits | $2,563,000 | 2,523 |
| Premises and equipment expense | $588,000 | 2,830 |
| Additional noninterest expense | $1,608,000 | 2,247 |
| Pre-tax net operating income | $1,945,000 | 2,958 |
| Securities gains (losses) | $54,000 | 1,604 |
| Applicable income taxes | $683,000 | 2,364 |
| Income before extraordinary items | $1,316,000 | 3,318 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,316,000 | 3,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,186 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $18,183,000 | 30 |
| Net operating income | $1,280,360 | 3,299 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,236,000 | 2,247 |
| Total interest expense | $1,985,000 | 1,980 |
| Net interest income | $4,251,000 | 2,355 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $101,000 | 7,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $101,000 | 5,138 |
| Total noninterest expense | $3,419,000 | 2,324 |
| Salaries and employee benefits | $1,709,000 | 2,513 |
| Premises and equipment expense | $401,000 | 2,784 |
| Additional noninterest expense | $1,309,000 | 1,827 |
| Pre-tax net operating income | $933,000 | 3,697 |
| Securities gains (losses) | $33,000 | 1,728 |
| Applicable income taxes | $331,000 | 2,902 |
| Income before extraordinary items | $635,000 | 4,094 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $635,000 | 4,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $18,183,000 | 22 |
| Net operating income | $613,220 | 4,098 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,062,000 | 2,292 |
| Total interest expense | $993,000 | 1,996 |
| Net interest income | $2,069,000 | 2,411 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $53,000 | 7,118 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $53,000 | 5,009 |
| Total noninterest expense | $2,096,000 | 1,910 |
| Salaries and employee benefits | $861,000 | 2,517 |
| Premises and equipment expense | $210,000 | 2,683 |
| Additional noninterest expense | $1,025,000 | 1,172 |
| Pre-tax net operating income | $26,000 | 8,239 |
| Securities gains (losses) | $33,000 | 1,437 |
| Applicable income taxes | $21,000 | 5,742 |
| Income before extraordinary items | $38,000 | 8,000 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $38,000 | 8,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $18,183,000 | 14 |
| Net operating income | $16,880 | 8,319 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,630,000 | 2,279 |
| Total interest expense | $4,564,000 | 1,958 |
| Net interest income | $8,066,000 | 2,414 |
| Provision for loan and lease losses | $305,000 | 3,117 |
| Total noninterest income | $425,000 | 5,834 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $425,000 | 3,864 |
| Total noninterest expense | $4,715,000 | 3,201 |
| Salaries and employee benefits | $2,901,000 | 2,845 |
| Premises and equipment expense | $679,000 | 3,160 |
| Additional noninterest expense | $1,135,000 | 3,897 |
| Pre-tax net operating income | $3,471,000 | 2,231 |
| Securities gains (losses) | $62,000 | 2,314 |
| Applicable income taxes | $1,204,000 | 1,930 |
| Income before extraordinary items | $2,329,000 | 2,531 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,329,000 | 2,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,288,080 | 2,450 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,556,000 | 2,290 |
| Total interest expense | $3,544,000 | 1,969 |
| Net interest income | $6,012,000 | 2,439 |
| Provision for loan and lease losses | $290,000 | 2,572 |
| Total noninterest income | $334,000 | 5,786 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $334,000 | 3,857 |
| Total noninterest expense | $3,506,000 | 3,227 |
| Salaries and employee benefits | $2,138,000 | 2,904 |
| Premises and equipment expense | $513,000 | 3,151 |
| Additional noninterest expense | $855,000 | 3,873 |
| Pre-tax net operating income | $2,550,000 | 2,346 |
| Securities gains (losses) | $50,000 | 2,306 |
| Applicable income taxes | $887,000 | 2,044 |
| Income before extraordinary items | $1,713,000 | 2,673 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,713,000 | 2,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,680,000 | 2,565 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,502,000 | 2,248 |
| Total interest expense | $2,468,000 | 1,953 |
| Net interest income | $4,034,000 | 2,407 |
| Provision for loan and lease losses | $275,000 | 1,970 |
| Total noninterest income | $258,000 | 5,379 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $258,000 | 3,567 |
| Total noninterest expense | $2,419,000 | 3,133 |
| Salaries and employee benefits | $1,498,000 | 2,782 |
| Premises and equipment expense | $345,000 | 3,115 |
| Additional noninterest expense | $576,000 | 3,828 |
| Pre-tax net operating income | $1,598,000 | 2,468 |
| Securities gains (losses) | $29,000 | 2,379 |
| Applicable income taxes | $557,000 | 2,161 |
| Income before extraordinary items | $1,070,000 | 2,837 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,070,000 | 2,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,050,860 | 2,704 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,318,000 | 2,213 |
| Total interest expense | $1,288,000 | 1,920 |
| Net interest income | $2,030,000 | 2,390 |
| Provision for loan and lease losses | $260,000 | 1,076 |
| Total noninterest income | $174,000 | 4,508 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $174,000 | 2,958 |
| Total noninterest expense | $1,352,000 | 2,836 |
| Salaries and employee benefits | $916,000 | 2,289 |
| Premises and equipment expense | $173,000 | 3,114 |
| Additional noninterest expense | $263,000 | 4,055 |
| Pre-tax net operating income | $592,000 | 3,116 |
| Securities gains (losses) | $11,000 | 2,147 |
| Applicable income taxes | $209,000 | 2,617 |
| Income before extraordinary items | $394,000 | 3,490 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $394,000 | 3,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $386,850 | 3,370 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $14,065,000 | 2,186 |
| Total interest expense | $6,313,000 | 1,809 |
| Net interest income | $7,752,000 | 2,471 |
| Provision for loan and lease losses | $20,000 | 7,508 |
| Total noninterest income | $389,000 | 5,847 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $389,000 | 3,757 |
| Total noninterest expense | $4,196,000 | 3,426 |
| Salaries and employee benefits | $2,479,000 | 3,147 |
| Premises and equipment expense | $678,000 | 3,082 |
| Additional noninterest expense | $1,039,000 | 4,049 |
| Pre-tax net operating income | $3,925,000 | 2,018 |
| Securities gains (losses) | $3,000 | 4,139 |
| Applicable income taxes | $1,335,000 | 1,813 |
| Income before extraordinary items | $2,593,000 | 2,284 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,593,000 | 2,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,476 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,591,020 | 2,215 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,761,000 | 2,324 |
| Total interest expense | $9,173,000 | 1,770 |
| Net interest income | $5,588,000 | 3,133 |
| Provision for loan and lease losses | $6,000 | 8,054 |
| Total noninterest income | $405,000 | 5,648 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $405,000 | 3,503 |
| Total noninterest expense | $3,997,000 | 3,433 |
| Salaries and employee benefits | $2,038,000 | 3,539 |
| Premises and equipment expense | $582,000 | 3,451 |
| Additional noninterest expense | $1,377,000 | 3,098 |
| Pre-tax net operating income | $1,990,000 | 3,181 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $713,000 | 2,630 |
| Income before extraordinary items | $1,277,000 | 3,634 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,277,000 | 3,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,370 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,277,000 | 3,535 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $15,089,000 | 2,323 |
| Total interest expense | $9,216,000 | 1,870 |
| Net interest income | $5,873,000 | 3,017 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $381,000 | 5,654 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $381,000 | 3,465 |
| Total noninterest expense | $3,876,000 | 3,418 |
| Salaries and employee benefits | $1,997,000 | 3,471 |
| Premises and equipment expense | $539,000 | 3,575 |
| Additional noninterest expense | $1,340,000 | 3,095 |
| Pre-tax net operating income | $2,378,000 | 2,881 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $766,000 | 2,591 |
| Income before extraordinary items | $1,612,000 | 3,065 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,612,000 | 3,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,407 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,612,000 | 3,062 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,700,000 | 2,219 |
| Total interest expense | $8,933,000 | 1,680 |
| Net interest income | $5,767,000 | 3,028 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $274,000 | 6,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $274,000 | 4,224 |
| Total noninterest expense | $3,598,000 | 3,632 |
| Salaries and employee benefits | $1,810,000 | 3,727 |
| Premises and equipment expense | $553,000 | 3,481 |
| Additional noninterest expense | $1,235,000 | 3,341 |
| Pre-tax net operating income | $2,443,000 | 2,847 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $829,000 | 2,570 |
| Income before extraordinary items | $1,614,000 | 3,069 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,614,000 | 3,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $325,000 | 1,700 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,614,000 | 3,030 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,148,000 | 2,016 |
| Total interest expense | $10,151,000 | 1,506 |
| Net interest income | $5,997,000 | 2,874 |
| Provision for loan and lease losses | $1,838,000 | 617 |
| Total noninterest income | $303,000 | 6,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $303,000 | 3,997 |
| Total noninterest expense | $3,491,000 | 3,623 |
| Salaries and employee benefits | $1,712,000 | 3,814 |
| Premises and equipment expense | $576,000 | 3,289 |
| Additional noninterest expense | $1,203,000 | 3,371 |
| Pre-tax net operating income | $971,000 | 5,513 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $330,000 | 4,920 |
| Income before extraordinary items | $641,000 | 5,860 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $641,000 | 5,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,076,000 | 714 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $641,000 | 5,747 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $16,327,000 | 1,995 |
| Total interest expense | $9,921,000 | 1,561 |
| Net interest income | $6,406,000 | 2,714 |
| Provision for loan and lease losses | $585,000 | 1,575 |
| Total noninterest income | $229,000 | 7,475 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $229,000 | 4,621 |
| Total noninterest expense | $3,218,000 | 3,877 |
| Salaries and employee benefits | $1,733,000 | 3,773 |
| Premises and equipment expense | $705,000 | 2,716 |
| Additional noninterest expense | $780,000 | 4,816 |
| Pre-tax net operating income | $2,832,000 | 2,616 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $974,000 | 2,493 |
| Income before extraordinary items | $1,858,000 | 2,755 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,858,000 | 2,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 2,298 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,858,000 | 2,705 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $16,541,000 | 2,045 |
| Total interest expense | $9,212,000 | 1,715 |
| Net interest income | $7,329,000 | 2,445 |
| Provision for loan and lease losses | $870,000 | 1,136 |
| Total noninterest income | $265,000 | 7,397 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $265,000 | 4,389 |
| Total noninterest expense | $4,322,000 | 3,125 |
| Salaries and employee benefits | $1,552,000 | 4,181 |
| Premises and equipment expense | $392,000 | 4,608 |
| Additional noninterest expense | $2,378,000 | 2,096 |
| Pre-tax net operating income | $2,402,000 | 2,880 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $801,000 | 2,837 |
| Income before extraordinary items | $1,601,000 | 3,005 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,601,000 | 3,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 2,776 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,601,000 | 2,971 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,557,000 | 2,171 |
| Total interest expense | $9,370,000 | 1,700 |
| Net interest income | $6,187,000 | 2,874 |
| Provision for loan and lease losses | $48,000 | 6,309 |
| Total noninterest income | $216,000 | 8,182 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $216,000 | 4,903 |
| Total noninterest expense | $2,926,000 | 4,384 |
| Salaries and employee benefits | $1,441,000 | 4,441 |
| Premises and equipment expense | $361,000 | 4,921 |
| Additional noninterest expense | $1,124,000 | 3,959 |
| Pre-tax net operating income | $3,429,000 | 2,143 |
| Securities gains (losses) | $7,000 | 2,620 |
| Applicable income taxes | $1,172,000 | 2,070 |
| Income before extraordinary items | $2,264,000 | 2,223 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,264,000 | 2,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,035 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $2,259,380 | 2,204 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $13,811,000 | 2,219 |
| Total interest expense | $7,253,000 | 1,731 |
| Net interest income | $6,558,000 | 2,762 |
| Provision for loan and lease losses | $100,000 | 4,522 |
| Total noninterest income | $192,000 | 8,873 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $192,000 | 5,402 |
| Total noninterest expense | $2,784,000 | 4,706 |
| Salaries and employee benefits | $1,341,000 | 4,754 |
| Premises and equipment expense | $374,000 | 4,847 |
| Additional noninterest expense | $1,069,000 | 4,450 |
| Pre-tax net operating income | $3,866,000 | 1,836 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,314,000 | 1,748 |
| Income before extraordinary items | $2,552,000 | 1,907 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,552,000 | 1,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,376 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,552,000 | 1,902 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $13,254,000 | 2,334 |
| Total interest expense | $6,576,000 | 1,967 |
| Net interest income | $6,678,000 | 2,703 |
| Provision for loan and lease losses | $49,000 | 7,550 |
| Total noninterest income | $137,000 | 10,480 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $137,000 | 6,855 |
| Total noninterest expense | $2,636,000 | 5,038 |
| Salaries and employee benefits | $1,252,000 | 5,040 |
| Premises and equipment expense | $388,000 | 4,834 |
| Additional noninterest expense | $996,000 | 4,939 |
| Pre-tax net operating income | $4,130,000 | 1,676 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,274,000 | 1,834 |
| Income before extraordinary items | $2,856,000 | 1,755 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,856,000 | 1,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 8,052 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,856,000 | 1,658 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,506,000 | 2,617 |
| Total interest expense | $7,380,000 | 2,295 |
| Net interest income | $6,126,000 | 2,978 |
| Provision for loan and lease losses | $402,000 | 3,445 |
| Total noninterest income | $115,000 | 11,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $115,000 | 7,597 |
| Total noninterest expense | $2,253,000 | 5,799 |
| Salaries and employee benefits | $988,000 | 6,102 |
| Premises and equipment expense | $372,000 | 5,092 |
| Additional noninterest expense | $893,000 | 5,556 |
| Pre-tax net operating income | $3,586,000 | 1,720 |
| Securities gains (losses) | $10,000 | 6,439 |
| Applicable income taxes | $1,247,000 | 1,685 |
| Income before extraordinary items | $2,349,000 | 1,949 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,349,000 | 1,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 9,104 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,342,500 | 1,796 |
* 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.