Home > Chicopee Savings Bank > Income and Expense
Chicopee Savings Bank, Income and Expense
| 2016-09-30 (YTD Data) | Rank | |
| Total interest income | $19,741,000 | 1,024 |
| Total interest expense | $3,375,000 | 656 |
| Net interest income | $16,366,000 | 1,083 |
| Provision for loan and lease losses | $276,000 | 1,708 |
| Total noninterest income | $2,270,000 | 1,635 |
| Gross Fiduciary activities income | $0 | 1,132 |
| Service charges on deposit accounts | $867,000 | 1,060 |
| Trading account gains and fees | $0 | 169 |
| Additional Noninterest Income | $1,403,000 | 1,655 |
| Total noninterest expense | $14,564,000 | 1,079 |
| Salaries and employee benefits | $7,973,000 | 1,097 |
| Premises and equipment expense | $1,661,000 | 1,068 |
| Additional noninterest expense | $4,930,000 | 998 |
| Pre-tax net operating income | $3,796,000 | 1,619 |
| Securities gains (losses) | $0 | 3,160 |
| Applicable income taxes | $1,574,000 | 1,042 |
| Income before extraordinary items | $2,222,000 | 2,166 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $2,222,000 | 2,165 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $2,222,000 | 2,166 |
| Net charge-offs | $178,000 | 1,551 |
| Cash dividends | $3,000,000 | 756 |
| Sale, conversion, retirement of capital stock, net | $483,000 | 224 |
| Net operating income | $2,222,000 | 2,099 |
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $13,029,000 | 1,035 |
| Total interest expense | $2,245,000 | 659 |
| Net interest income | $10,784,000 | 1,100 |
| Provision for loan and lease losses | $175,000 | 1,766 |
| Total noninterest income | $1,436,000 | 1,671 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $561,000 | 1,078 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $875,000 | 1,703 |
| Total noninterest expense | $9,670,000 | 1,076 |
| Salaries and employee benefits | $5,295,000 | 1,100 |
| Premises and equipment expense | $1,124,000 | 1,055 |
| Additional noninterest expense | $3,251,000 | 1,008 |
| Pre-tax net operating income | $2,375,000 | 1,705 |
| Securities gains (losses) | $0 | 2,835 |
| Applicable income taxes | $915,000 | 1,152 |
| Income before extraordinary items | $1,460,000 | 2,187 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,460,000 | 2,186 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $1,460,000 | 2,186 |
| Net charge-offs | $48,000 | 2,170 |
| Cash dividends | $3,000,000 | 547 |
| Sale, conversion, retirement of capital stock, net | $320,000 | 217 |
| Net operating income | $1,460,000 | 2,115 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $6,473,000 | 1,039 |
| Total interest expense | $1,116,000 | 659 |
| Net interest income | $5,357,000 | 1,107 |
| Provision for loan and lease losses | $55,000 | 2,084 |
| Total noninterest income | $646,000 | 1,754 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $276,000 | 1,093 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $370,000 | 1,845 |
| Total noninterest expense | $4,890,000 | 1,073 |
| Salaries and employee benefits | $2,651,000 | 1,105 |
| Premises and equipment expense | $586,000 | 1,029 |
| Additional noninterest expense | $1,653,000 | 992 |
| Pre-tax net operating income | $1,058,000 | 1,841 |
| Securities gains (losses) | $0 | 2,077 |
| Applicable income taxes | $353,000 | 1,338 |
| Income before extraordinary items | $705,000 | 2,199 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $705,000 | 2,199 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $705,000 | 2,199 |
| Net charge-offs | $-14,000 | 5,335 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $160,000 | 209 |
| Net operating income | $705,000 | 2,133 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $25,201,000 | 1,032 |
| Total interest expense | $4,429,000 | 637 |
| Net interest income | $20,772,000 | 1,096 |
| Provision for loan and lease losses | $941,000 | 859 |
| Total noninterest income | $3,028,000 | 1,589 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $1,054,000 | 1,166 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $1,974,000 | 1,535 |
| Total noninterest expense | $18,620,000 | 1,092 |
| Salaries and employee benefits | $9,992,000 | 1,126 |
| Premises and equipment expense | $2,259,000 | 1,047 |
| Additional noninterest expense | $6,369,000 | 1,031 |
| Pre-tax net operating income | $4,239,000 | 1,790 |
| Securities gains (losses) | $0 | 3,216 |
| Applicable income taxes | $1,042,000 | 1,560 |
| Income before extraordinary items | $3,197,000 | 1,943 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $3,197,000 | 1,944 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $3,197,000 | 1,945 |
| Net charge-offs | $253,000 | 1,766 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $607,000 | 282 |
| Net operating income | $3,197,000 | 1,904 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $18,705,000 | 1,047 |
| Total interest expense | $3,288,000 | 643 |
| Net interest income | $15,417,000 | 1,110 |
| Provision for loan and lease losses | $743,000 | 751 |
| Total noninterest income | $2,268,000 | 1,614 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $762,000 | 1,210 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,506,000 | 1,531 |
| Total noninterest expense | $14,097,000 | 1,087 |
| Salaries and employee benefits | $7,483,000 | 1,137 |
| Premises and equipment expense | $1,732,000 | 1,050 |
| Additional noninterest expense | $4,882,000 | 1,014 |
| Pre-tax net operating income | $2,845,000 | 1,993 |
| Securities gains (losses) | $0 | 3,031 |
| Applicable income taxes | $756,000 | 1,639 |
| Income before extraordinary items | $2,089,000 | 2,188 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,089,000 | 2,190 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $2,089,000 | 2,189 |
| Net charge-offs | $159,000 | 1,733 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $454,000 | 261 |
| Net operating income | $2,089,000 | 2,141 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $12,273,000 | 1,063 |
| Total interest expense | $2,175,000 | 648 |
| Net interest income | $10,098,000 | 1,134 |
| Provision for loan and lease losses | $607,000 | 642 |
| Total noninterest income | $1,390,000 | 1,699 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $485,000 | 1,239 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $905,000 | 1,663 |
| Total noninterest expense | $9,401,000 | 1,091 |
| Salaries and employee benefits | $4,999,000 | 1,133 |
| Premises and equipment expense | $1,193,000 | 1,021 |
| Additional noninterest expense | $3,209,000 | 1,030 |
| Pre-tax net operating income | $1,480,000 | 2,359 |
| Securities gains (losses) | $0 | 2,636 |
| Applicable income taxes | $372,000 | 1,916 |
| Income before extraordinary items | $1,108,000 | 2,570 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,108,000 | 2,572 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $1,108,000 | 2,572 |
| Net charge-offs | $134,000 | 1,464 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $302,000 | 248 |
| Net operating income | $1,108,000 | 2,513 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $5,999,000 | 1,084 |
| Total interest expense | $1,065,000 | 657 |
| Net interest income | $4,934,000 | 1,153 |
| Provision for loan and lease losses | $400,000 | 491 |
| Total noninterest income | $642,000 | 1,795 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $231,000 | 1,274 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $411,000 | 1,744 |
| Total noninterest expense | $4,757,000 | 1,084 |
| Salaries and employee benefits | $2,480,000 | 1,144 |
| Premises and equipment expense | $656,000 | 952 |
| Additional noninterest expense | $1,621,000 | 996 |
| Pre-tax net operating income | $419,000 | 3,311 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $86,000 | 2,583 |
| Income before extraordinary items | $333,000 | 3,457 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $333,000 | 3,460 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $333,000 | 3,460 |
| Net charge-offs | $143,000 | 898 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $146,000 | 219 |
| Net operating income | $333,000 | 3,373 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $23,354,000 | 1,100 |
| Total interest expense | $4,056,000 | 715 |
| Net interest income | $19,298,000 | 1,167 |
| Provision for loan and lease losses | $5,271,000 | 208 |
| Total noninterest income | $2,782,000 | 1,655 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $1,006,000 | 1,280 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,776,000 | 1,597 |
| Total noninterest expense | $18,085,000 | 1,114 |
| Salaries and employee benefits | $9,710,000 | 1,115 |
| Premises and equipment expense | $2,054,000 | 1,163 |
| Additional noninterest expense | $6,321,000 | 1,045 |
| Pre-tax net operating income | $-1,276,000 | 6,382 |
| Securities gains (losses) | $34,000 | 1,996 |
| Applicable income taxes | $-826,000 | 6,412 |
| Income before extraordinary items | $-416,000 | 6,288 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $-416,000 | 6,288 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-416,000 | 6,288 |
| Net charge-offs | $4,939,000 | 238 |
| Cash dividends | $6,773,000 | 466 |
| Sale, conversion, retirement of capital stock, net | $637,000 | 269 |
| Net operating income | $-437,760 | 6,286 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $17,342,000 | 1,119 |
| Total interest expense | $3,040,000 | 729 |
| Net interest income | $14,302,000 | 1,184 |
| Provision for loan and lease losses | $5,202,000 | 164 |
| Total noninterest income | $2,166,000 | 1,614 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $749,000 | 1,293 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $1,417,000 | 1,514 |
| Total noninterest expense | $13,687,000 | 1,112 |
| Salaries and employee benefits | $7,317,000 | 1,117 |
| Premises and equipment expense | $1,694,000 | 1,068 |
| Additional noninterest expense | $4,676,000 | 1,050 |
| Pre-tax net operating income | $-2,421,000 | 6,546 |
| Securities gains (losses) | $34,000 | 1,709 |
| Applicable income taxes | $-1,543,000 | 6,556 |
| Income before extraordinary items | $-844,000 | 6,458 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-844,000 | 6,457 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $-844,000 | 6,457 |
| Net charge-offs | $4,875,000 | 182 |
| Cash dividends | $1,773,000 | 1,044 |
| Sale, conversion, retirement of capital stock, net | $471,000 | 237 |
| Net operating income | $-865,760 | 6,463 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $11,408,000 | 1,130 |
| Total interest expense | $2,035,000 | 728 |
| Net interest income | $9,373,000 | 1,193 |
| Provision for loan and lease losses | $4,975,000 | 126 |
| Total noninterest income | $1,266,000 | 1,761 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $492,000 | 1,291 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $774,000 | 1,741 |
| Total noninterest expense | $9,064,000 | 1,113 |
| Salaries and employee benefits | $4,877,000 | 1,119 |
| Premises and equipment expense | $1,147,000 | 1,063 |
| Additional noninterest expense | $3,040,000 | 1,068 |
| Pre-tax net operating income | $-3,400,000 | 6,647 |
| Securities gains (losses) | $34,000 | 1,385 |
| Applicable income taxes | $-1,994,000 | 6,632 |
| Income before extraordinary items | $-1,372,000 | 6,603 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-1,372,000 | 6,603 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $-1,372,000 | 6,603 |
| Net charge-offs | $4,880,000 | 140 |
| Cash dividends | $1,773,000 | 723 |
| Sale, conversion, retirement of capital stock, net | $320,000 | 220 |
| Net operating income | $-1,393,760 | 6,601 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $5,624,000 | 1,139 |
| Total interest expense | $1,021,000 | 733 |
| Net interest income | $4,603,000 | 1,212 |
| Provision for loan and lease losses | $2,201,000 | 137 |
| Total noninterest income | $555,000 | 1,897 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $230,000 | 1,362 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $325,000 | 1,900 |
| Total noninterest expense | $4,503,000 | 1,130 |
| Salaries and employee benefits | $2,457,000 | 1,130 |
| Premises and equipment expense | $601,000 | 1,043 |
| Additional noninterest expense | $1,445,000 | 1,109 |
| Pre-tax net operating income | $-1,546,000 | 6,712 |
| Securities gains (losses) | $34,000 | 774 |
| Applicable income taxes | $-174,000 | 6,662 |
| Income before extraordinary items | $-1,338,000 | 6,698 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,338,000 | 6,698 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $-1,338,000 | 6,698 |
| Net charge-offs | $2,335,000 | 148 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $161,000 | 205 |
| Net operating income | $-1,367,920 | 6,699 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $23,069,000 | 1,109 |
| Total interest expense | $4,740,000 | 704 |
| Net interest income | $18,329,000 | 1,199 |
| Provision for loan and lease losses | $425,000 | 2,033 |
| Total noninterest income | $3,063,000 | 1,587 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $989,000 | 1,375 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,074,000 | 1,475 |
| Total noninterest expense | $17,405,000 | 1,177 |
| Salaries and employee benefits | $9,939,000 | 1,094 |
| Premises and equipment expense | $2,273,000 | 1,049 |
| Additional noninterest expense | $5,193,000 | 1,294 |
| Pre-tax net operating income | $3,562,000 | 1,880 |
| Securities gains (losses) | $37,000 | 1,999 |
| Applicable income taxes | $745,000 | 1,752 |
| Income before extraordinary items | $2,854,000 | 1,968 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,854,000 | 1,971 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $2,854,000 | 1,972 |
| Net charge-offs | $193,000 | 3,056 |
| Cash dividends | $2,465,000 | 1,018 |
| Sale, conversion, retirement of capital stock, net | $633,000 | 263 |
| Net operating income | $2,824,770 | 1,942 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $17,398,000 | 1,104 |
| Total interest expense | $3,662,000 | 709 |
| Net interest income | $13,736,000 | 1,201 |
| Provision for loan and lease losses | $270,000 | 2,189 |
| Total noninterest income | $2,393,000 | 1,570 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $733,000 | 1,403 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,660,000 | 1,445 |
| Total noninterest expense | $13,359,000 | 1,150 |
| Salaries and employee benefits | $7,487,000 | 1,092 |
| Premises and equipment expense | $1,738,000 | 1,040 |
| Additional noninterest expense | $4,134,000 | 1,210 |
| Pre-tax net operating income | $2,500,000 | 2,057 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $498,000 | 1,914 |
| Income before extraordinary items | $2,002,000 | 2,132 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $2,002,000 | 2,139 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,002,000 | 2,139 |
| Net charge-offs | $195,000 | 2,602 |
| Cash dividends | $2,465,000 | 741 |
| Sale, conversion, retirement of capital stock, net | $478,000 | 236 |
| Net operating income | $2,002,000 | 2,064 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $11,687,000 | 1,085 |
| Total interest expense | $2,494,000 | 718 |
| Net interest income | $9,193,000 | 1,184 |
| Provision for loan and lease losses | $58,000 | 3,520 |
| Total noninterest income | $1,629,000 | 1,559 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $471,000 | 1,415 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,158,000 | 1,435 |
| Total noninterest expense | $8,974,000 | 1,136 |
| Salaries and employee benefits | $4,980,000 | 1,091 |
| Premises and equipment expense | $1,175,000 | 1,020 |
| Additional noninterest expense | $2,819,000 | 1,178 |
| Pre-tax net operating income | $1,790,000 | 1,898 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $380,000 | 1,792 |
| Income before extraordinary items | $1,410,000 | 2,038 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,410,000 | 2,046 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,410,000 | 2,044 |
| Net charge-offs | $87,000 | 2,883 |
| Cash dividends | $2,465,000 | 529 |
| Sale, conversion, retirement of capital stock, net | $312,000 | 216 |
| Net operating income | $1,410,000 | 1,954 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $5,895,000 | 1,086 |
| Total interest expense | $1,248,000 | 745 |
| Net interest income | $4,647,000 | 1,168 |
| Provision for loan and lease losses | $-69,000 | 6,824 |
| Total noninterest income | $842,000 | 1,514 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $228,000 | 1,441 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $614,000 | 1,366 |
| Total noninterest expense | $4,459,000 | 1,149 |
| Salaries and employee benefits | $2,477,000 | 1,104 |
| Premises and equipment expense | $610,000 | 1,007 |
| Additional noninterest expense | $1,372,000 | 1,201 |
| Pre-tax net operating income | $1,099,000 | 1,576 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $238,000 | 1,545 |
| Income before extraordinary items | $861,000 | 1,677 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $861,000 | 1,678 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $861,000 | 1,679 |
| Net charge-offs | $-30,000 | 6,567 |
| Cash dividends | $2,465,000 | 262 |
| Sale, conversion, retirement of capital stock, net | $151,000 | 190 |
| Net operating income | $861,000 | 1,620 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $24,396,000 | 1,099 |
| Total interest expense | $6,030,000 | 719 |
| Net interest income | $18,366,000 | 1,203 |
| Provision for loan and lease losses | $442,000 | 2,891 |
| Total noninterest income | $3,060,000 | 1,622 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $1,046,000 | 1,364 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $2,014,000 | 1,518 |
| Total noninterest expense | $17,599,000 | 1,147 |
| Salaries and employee benefits | $10,209,000 | 1,033 |
| Premises and equipment expense | $2,202,000 | 1,081 |
| Additional noninterest expense | $5,188,000 | 1,313 |
| Pre-tax net operating income | $3,385,000 | 1,879 |
| Securities gains (losses) | $-37,000 | 6,831 |
| Applicable income taxes | $626,000 | 1,958 |
| Income before extraordinary items | $2,722,000 | 2,025 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,722,000 | 2,024 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $2,722,000 | 2,026 |
| Net charge-offs | $653,000 | 2,301 |
| Cash dividends | $1,565,000 | 1,449 |
| Sale, conversion, retirement of capital stock, net | $1,092,000 | 215 |
| Net operating income | $2,751,970 | 1,897 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $18,319,000 | 1,115 |
| Total interest expense | $4,676,000 | 731 |
| Net interest income | $13,643,000 | 1,228 |
| Provision for loan and lease losses | $240,000 | 3,256 |
| Total noninterest income | $2,079,000 | 1,738 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $774,000 | 1,386 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,305,000 | 1,680 |
| Total noninterest expense | $13,542,000 | 1,100 |
| Salaries and employee benefits | $7,899,000 | 982 |
| Premises and equipment expense | $1,670,000 | 1,078 |
| Additional noninterest expense | $3,973,000 | 1,276 |
| Pre-tax net operating income | $1,940,000 | 2,414 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $323,000 | 2,390 |
| Income before extraordinary items | $1,617,000 | 2,513 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,617,000 | 2,514 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,617,000 | 2,514 |
| Net charge-offs | $414,000 | 2,419 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $968,000 | 173 |
| Net operating income | $1,617,000 | 2,379 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $12,219,000 | 1,120 |
| Total interest expense | $3,202,000 | 739 |
| Net interest income | $9,017,000 | 1,244 |
| Provision for loan and lease losses | $70,000 | 4,240 |
| Total noninterest income | $1,459,000 | 1,661 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $499,000 | 1,416 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $960,000 | 1,558 |
| Total noninterest expense | $9,329,000 | 1,070 |
| Salaries and employee benefits | $5,507,000 | 947 |
| Premises and equipment expense | $1,174,000 | 1,009 |
| Additional noninterest expense | $2,648,000 | 1,280 |
| Pre-tax net operating income | $1,077,000 | 2,705 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $117,000 | 2,939 |
| Income before extraordinary items | $960,000 | 2,690 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $960,000 | 2,690 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $960,000 | 2,690 |
| Net charge-offs | $163,000 | 2,957 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $829,000 | 130 |
| Net operating income | $960,000 | 2,556 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $6,118,000 | 1,127 |
| Total interest expense | $1,617,000 | 762 |
| Net interest income | $4,501,000 | 1,239 |
| Provision for loan and lease losses | $7,000 | 4,969 |
| Total noninterest income | $682,000 | 1,745 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $238,000 | 1,467 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $444,000 | 1,637 |
| Total noninterest expense | $4,678,000 | 1,063 |
| Salaries and employee benefits | $2,715,000 | 958 |
| Premises and equipment expense | $605,000 | 992 |
| Additional noninterest expense | $1,358,000 | 1,237 |
| Pre-tax net operating income | $498,000 | 2,878 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $55,000 | 2,978 |
| Income before extraordinary items | $443,000 | 2,865 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $443,000 | 2,868 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $443,000 | 2,869 |
| Net charge-offs | $134,000 | 2,190 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $405,000 | 109 |
| Net operating income | $443,000 | 2,721 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $24,849,000 | 1,142 |
| Total interest expense | $7,350,000 | 804 |
| Net interest income | $17,499,000 | 1,268 |
| Provision for loan and lease losses | $841,000 | 2,660 |
| Total noninterest income | $2,639,000 | 1,657 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $961,000 | 1,526 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,678,000 | 1,524 |
| Total noninterest expense | $18,099,000 | 1,084 |
| Salaries and employee benefits | $10,687,000 | 916 |
| Premises and equipment expense | $2,533,000 | 984 |
| Additional noninterest expense | $4,879,000 | 1,411 |
| Pre-tax net operating income | $1,198,000 | 3,407 |
| Securities gains (losses) | $12,000 | 3,271 |
| Applicable income taxes | $-107,000 | 6,822 |
| Income before extraordinary items | $1,317,000 | 3,019 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,317,000 | 3,022 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,317,000 | 3,021 |
| Net charge-offs | $696,000 | 2,788 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $1,733,000 | 260 |
| Net operating income | $1,305,000 | 2,945 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $18,699,000 | 1,157 |
| Total interest expense | $5,668,000 | 825 |
| Net interest income | $13,031,000 | 1,284 |
| Provision for loan and lease losses | $575,000 | 2,680 |
| Total noninterest income | $1,938,000 | 1,647 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $703,000 | 1,559 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,235,000 | 1,530 |
| Total noninterest expense | $13,647,000 | 1,081 |
| Salaries and employee benefits | $8,062,000 | 915 |
| Premises and equipment expense | $1,969,000 | 969 |
| Additional noninterest expense | $3,616,000 | 1,430 |
| Pre-tax net operating income | $747,000 | 3,846 |
| Securities gains (losses) | $12,000 | 2,990 |
| Applicable income taxes | $-64,000 | 6,954 |
| Income before extraordinary items | $823,000 | 3,462 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $823,000 | 3,464 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $823,000 | 3,464 |
| Net charge-offs | $685,000 | 2,306 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $1,307,000 | 242 |
| Net operating income | $811,000 | 3,372 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $12,469,000 | 1,164 |
| Total interest expense | $3,843,000 | 846 |
| Net interest income | $8,626,000 | 1,294 |
| Provision for loan and lease losses | $352,000 | 2,762 |
| Total noninterest income | $1,241,000 | 1,692 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $463,000 | 1,559 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $778,000 | 1,593 |
| Total noninterest expense | $9,123,000 | 1,097 |
| Salaries and employee benefits | $5,395,000 | 919 |
| Premises and equipment expense | $1,341,000 | 957 |
| Additional noninterest expense | $2,387,000 | 1,465 |
| Pre-tax net operating income | $392,000 | 4,236 |
| Securities gains (losses) | $12,000 | 2,290 |
| Applicable income taxes | $-18,000 | 6,919 |
| Income before extraordinary items | $422,000 | 3,877 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $422,000 | 3,878 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $422,000 | 3,879 |
| Net charge-offs | $318,000 | 2,624 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $906,000 | 172 |
| Net operating income | $410,000 | 3,831 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $6,188,000 | 1,184 |
| Total interest expense | $1,936,000 | 873 |
| Net interest income | $4,252,000 | 1,315 |
| Provision for loan and lease losses | $233,000 | 2,230 |
| Total noninterest income | $649,000 | 1,658 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $215,000 | 1,640 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $434,000 | 1,485 |
| Total noninterest expense | $4,605,000 | 1,095 |
| Salaries and employee benefits | $2,788,000 | 902 |
| Premises and equipment expense | $697,000 | 953 |
| Additional noninterest expense | $1,120,000 | 1,547 |
| Pre-tax net operating income | $63,000 | 5,577 |
| Securities gains (losses) | $12,000 | 1,251 |
| Applicable income taxes | $4,000 | 4,128 |
| Income before extraordinary items | $71,000 | 5,400 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $71,000 | 5,399 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $71,000 | 5,400 |
| Net charge-offs | $222,000 | 2,032 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 136 |
| Net operating income | $59,600 | 5,520 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $24,857,000 | 1,242 |
| Total interest expense | $8,496,000 | 980 |
| Net interest income | $16,361,000 | 1,368 |
| Provision for loan and lease losses | $1,223,000 | 2,752 |
| Total noninterest income | $2,481,000 | 1,770 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $961,000 | 1,554 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,520,000 | 1,688 |
| Total noninterest expense | $17,365,000 | 1,161 |
| Salaries and employee benefits | $10,201,000 | 954 |
| Premises and equipment expense | $2,572,000 | 1,007 |
| Additional noninterest expense | $4,592,000 | 1,567 |
| Pre-tax net operating income | $254,000 | 5,045 |
| Securities gains (losses) | $145,000 | 1,857 |
| Applicable income taxes | $-311,000 | 7,064 |
| Income before extraordinary items | $710,000 | 3,836 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $710,000 | 3,836 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $710,000 | 3,838 |
| Net charge-offs | $869,000 | 2,882 |
| Cash dividends | $8,000,000 | 209 |
| Sale, conversion, retirement of capital stock, net | $1,625,000 | 307 |
| Net operating income | $565,000 | 3,999 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $18,676,000 | 1,261 |
| Total interest expense | $6,423,000 | 1,007 |
| Net interest income | $12,253,000 | 1,380 |
| Provision for loan and lease losses | $761,000 | 2,918 |
| Total noninterest income | $1,814,000 | 1,822 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $720,000 | 1,598 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,094,000 | 1,708 |
| Total noninterest expense | $12,971,000 | 1,152 |
| Salaries and employee benefits | $7,571,000 | 961 |
| Premises and equipment expense | $1,954,000 | 999 |
| Additional noninterest expense | $3,446,000 | 1,539 |
| Pre-tax net operating income | $335,000 | 4,734 |
| Securities gains (losses) | $-12,000 | 7,223 |
| Applicable income taxes | $-176,000 | 7,175 |
| Income before extraordinary items | $499,000 | 4,117 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $499,000 | 4,120 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $499,000 | 4,120 |
| Net charge-offs | $571,000 | 2,898 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $1,211,000 | 269 |
| Net operating income | $511,000 | 3,923 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $12,468,000 | 1,272 |
| Total interest expense | $4,282,000 | 1,048 |
| Net interest income | $8,186,000 | 1,383 |
| Provision for loan and lease losses | $385,000 | 3,251 |
| Total noninterest income | $1,212,000 | 1,759 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $469,000 | 1,638 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $743,000 | 1,613 |
| Total noninterest expense | $8,805,000 | 1,114 |
| Salaries and employee benefits | $5,137,000 | 949 |
| Premises and equipment expense | $1,383,000 | 945 |
| Additional noninterest expense | $2,285,000 | 1,550 |
| Pre-tax net operating income | $208,000 | 4,899 |
| Securities gains (losses) | $-13,000 | 7,330 |
| Applicable income taxes | $9,000 | 4,121 |
| Income before extraordinary items | $186,000 | 4,979 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $186,000 | 4,980 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $186,000 | 4,979 |
| Net charge-offs | $339,000 | 2,902 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $858,000 | 221 |
| Net operating income | $198,350 | 4,763 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $6,184,000 | 1,304 |
| Total interest expense | $2,154,000 | 1,090 |
| Net interest income | $4,030,000 | 1,419 |
| Provision for loan and lease losses | $273,000 | 2,567 |
| Total noninterest income | $620,000 | 1,743 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $230,000 | 1,665 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $390,000 | 1,536 |
| Total noninterest expense | $4,388,000 | 1,142 |
| Salaries and employee benefits | $2,483,000 | 987 |
| Premises and equipment expense | $697,000 | 971 |
| Additional noninterest expense | $1,208,000 | 1,462 |
| Pre-tax net operating income | $-11,000 | 6,331 |
| Securities gains (losses) | $-13,000 | 7,520 |
| Applicable income taxes | $2,000 | 4,347 |
| Income before extraordinary items | $-26,000 | 6,523 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-26,000 | 6,525 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-26,000 | 6,524 |
| Net charge-offs | $47,000 | 3,765 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $433,000 | 167 |
| Net operating income | $-13,000 | 6,373 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $24,487,000 | 1,407 |
| Total interest expense | $9,625,000 | 1,238 |
| Net interest income | $14,862,000 | 1,516 |
| Provision for loan and lease losses | $897,000 | 3,670 |
| Total noninterest income | $2,575,000 | 1,786 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $868,000 | 1,914 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,707,000 | 1,527 |
| Total noninterest expense | $17,306,000 | 1,205 |
| Salaries and employee benefits | $10,042,000 | 973 |
| Premises and equipment expense | $2,569,000 | 1,062 |
| Additional noninterest expense | $4,695,000 | 1,591 |
| Pre-tax net operating income | $-766,000 | 6,148 |
| Securities gains (losses) | $-1,262,000 | 7,742 |
| Applicable income taxes | $-401,000 | 6,960 |
| Income before extraordinary items | $-1,627,000 | 6,626 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,627,000 | 6,626 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,627,000 | 6,626 |
| Net charge-offs | $153,000 | 5,311 |
| Cash dividends | $500,000 | 2,521 |
| Sale, conversion, retirement of capital stock, net | $1,732,000 | 355 |
| Net operating income | $-617,400 | 6,143 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $18,290,000 | 1,436 |
| Total interest expense | $7,349,000 | 1,277 |
| Net interest income | $10,941,000 | 1,539 |
| Provision for loan and lease losses | $550,000 | 3,654 |
| Total noninterest income | $1,963,000 | 1,803 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $627,000 | 1,985 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,336,000 | 1,508 |
| Total noninterest expense | $14,369,000 | 1,078 |
| Salaries and employee benefits | $7,424,000 | 1,001 |
| Premises and equipment expense | $2,087,000 | 981 |
| Additional noninterest expense | $4,858,000 | 1,158 |
| Pre-tax net operating income | $-2,015,000 | 7,047 |
| Securities gains (losses) | $2,000 | 3,313 |
| Applicable income taxes | $-712,000 | 7,449 |
| Income before extraordinary items | $-1,301,000 | 6,907 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,301,000 | 6,909 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,301,000 | 6,909 |
| Net charge-offs | $137,000 | 4,727 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $1,293,000 | 322 |
| Net operating income | $-1,302,300 | 6,891 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $12,208,000 | 1,467 |
| Total interest expense | $4,886,000 | 1,363 |
| Net interest income | $7,322,000 | 1,534 |
| Provision for loan and lease losses | $165,000 | 4,608 |
| Total noninterest income | $1,355,000 | 1,773 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $395,000 | 2,044 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $960,000 | 1,467 |
| Total noninterest expense | $8,683,000 | 1,195 |
| Salaries and employee benefits | $4,831,000 | 1,048 |
| Premises and equipment expense | $1,449,000 | 971 |
| Additional noninterest expense | $2,403,000 | 1,529 |
| Pre-tax net operating income | $-171,000 | 6,226 |
| Securities gains (losses) | $27,000 | 2,212 |
| Applicable income taxes | $-128,000 | 7,208 |
| Income before extraordinary items | $-16,000 | 5,973 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-16,000 | 5,972 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-16,000 | 5,972 |
| Net charge-offs | $23,000 | 5,517 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $851,000 | 302 |
| Net operating income | $-33,280 | 5,958 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,078,000 | 1,489 |
| Total interest expense | $2,474,000 | 1,393 |
| Net interest income | $3,604,000 | 1,544 |
| Provision for loan and lease losses | $94,000 | 4,003 |
| Total noninterest income | $652,000 | 1,782 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $191,000 | 2,043 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $461,000 | 1,461 |
| Total noninterest expense | $4,057,000 | 1,236 |
| Salaries and employee benefits | $2,298,000 | 1,110 |
| Premises and equipment expense | $697,000 | 1,027 |
| Additional noninterest expense | $1,062,000 | 1,517 |
| Pre-tax net operating income | $105,000 | 4,976 |
| Securities gains (losses) | $36,000 | 1,437 |
| Applicable income taxes | $8,000 | 4,098 |
| Income before extraordinary items | $133,000 | 4,548 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $133,000 | 4,552 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $133,000 | 4,552 |
| Net charge-offs | $10,000 | 4,758 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $418,000 | 215 |
| Net operating income | $99,160 | 4,817 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $25,759,000 | 1,505 |
| Total interest expense | $11,897,000 | 1,373 |
| Net interest income | $13,862,000 | 1,612 |
| Provision for loan and lease losses | $315,000 | 4,545 |
| Total noninterest income | $2,077,000 | 2,081 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $757,000 | 2,214 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,320,000 | 1,759 |
| Total noninterest expense | $14,814,000 | 1,316 |
| Salaries and employee benefits | $9,111,000 | 1,077 |
| Premises and equipment expense | $1,957,000 | 1,414 |
| Additional noninterest expense | $3,746,000 | 1,656 |
| Pre-tax net operating income | $810,000 | 4,134 |
| Securities gains (losses) | $-57,000 | 7,178 |
| Applicable income taxes | $252,000 | 2,589 |
| Income before extraordinary items | $501,000 | 4,447 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $501,000 | 4,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 5,477 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $1,726,000 | 343 |
| Net operating income | $539,190 | 4,492 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $19,345,000 | 1,540 |
| Total interest expense | $9,026,000 | 1,407 |
| Net interest income | $10,319,000 | 1,636 |
| Provision for loan and lease losses | $306,000 | 3,512 |
| Total noninterest income | $1,527,000 | 2,186 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $561,000 | 2,254 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $966,000 | 1,861 |
| Total noninterest expense | $10,774,000 | 1,336 |
| Salaries and employee benefits | $6,598,000 | 1,145 |
| Premises and equipment expense | $1,408,000 | 1,485 |
| Additional noninterest expense | $2,768,000 | 1,616 |
| Pre-tax net operating income | $766,000 | 4,180 |
| Securities gains (losses) | $-33,000 | 7,449 |
| Applicable income taxes | $200,000 | 2,910 |
| Income before extraordinary items | $533,000 | 4,323 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $533,000 | 4,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,039 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $1,275,000 | 271 |
| Net operating income | $557,090 | 4,389 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $12,739,000 | 1,588 |
| Total interest expense | $5,955,000 | 1,483 |
| Net interest income | $6,784,000 | 1,658 |
| Provision for loan and lease losses | $272,000 | 2,698 |
| Total noninterest income | $992,000 | 2,241 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $349,000 | 2,361 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $643,000 | 1,911 |
| Total noninterest expense | $7,044,000 | 1,360 |
| Salaries and employee benefits | $4,300,000 | 1,197 |
| Premises and equipment expense | $947,000 | 1,471 |
| Additional noninterest expense | $1,797,000 | 1,644 |
| Pre-tax net operating income | $460,000 | 4,519 |
| Securities gains (losses) | $115,000 | 866 |
| Applicable income taxes | $157,000 | 2,961 |
| Income before extraordinary items | $418,000 | 4,377 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $418,000 | 4,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,471 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $837,000 | 220 |
| Net operating income | $334,050 | 4,759 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,387,000 | 1,628 |
| Total interest expense | $3,130,000 | 1,502 |
| Net interest income | $3,257,000 | 1,701 |
| Provision for loan and lease losses | $10,000 | 5,419 |
| Total noninterest income | $472,000 | 2,314 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $167,000 | 2,408 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $305,000 | 1,947 |
| Total noninterest expense | $3,438,000 | 1,389 |
| Salaries and employee benefits | $2,077,000 | 1,259 |
| Premises and equipment expense | $481,000 | 1,445 |
| Additional noninterest expense | $880,000 | 1,629 |
| Pre-tax net operating income | $281,000 | 4,294 |
| Securities gains (losses) | $15,000 | 1,758 |
| Applicable income taxes | $82,000 | 3,025 |
| Income before extraordinary items | $214,000 | 4,523 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $214,000 | 4,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,596 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $397,000 | 142 |
| Net operating income | $203,200 | 4,532 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $26,084,000 | 1,656 |
| Total interest expense | $12,946,000 | 1,561 |
| Net interest income | $13,138,000 | 1,723 |
| Provision for loan and lease losses | $223,000 | 3,708 |
| Total noninterest income | $1,725,000 | 2,462 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $440,000 | 3,335 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,285,000 | 1,869 |
| Total noninterest expense | $13,050,000 | 1,416 |
| Salaries and employee benefits | $7,842,000 | 1,272 |
| Premises and equipment expense | $1,845,000 | 1,447 |
| Additional noninterest expense | $3,363,000 | 1,660 |
| Pre-tax net operating income | $1,590,000 | 3,801 |
| Securities gains (losses) | $835,000 | 196 |
| Applicable income taxes | $739,000 | 2,237 |
| Income before extraordinary items | $1,686,000 | 3,183 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,686,000 | 3,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,543 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $7,653,000 | 230 |
| Net operating income | $1,101,500 | 4,101 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $19,533,000 | 1,658 |
| Total interest expense | $9,711,000 | 1,556 |
| Net interest income | $9,822,000 | 1,730 |
| Provision for loan and lease losses | $214,000 | 2,899 |
| Total noninterest income | $1,223,000 | 2,562 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $272,000 | 3,711 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $951,000 | 1,892 |
| Total noninterest expense | $9,558,000 | 1,437 |
| Salaries and employee benefits | $5,636,000 | 1,331 |
| Premises and equipment expense | $1,377,000 | 1,448 |
| Additional noninterest expense | $2,545,000 | 1,592 |
| Pre-tax net operating income | $1,273,000 | 3,810 |
| Securities gains (losses) | $714,000 | 187 |
| Applicable income taxes | $624,000 | 2,231 |
| Income before extraordinary items | $1,363,000 | 3,173 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,363,000 | 3,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 3,831 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $7,195,000 | 168 |
| Net operating income | $870,340 | 4,171 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $12,967,000 | 1,677 |
| Total interest expense | $6,400,000 | 1,577 |
| Net interest income | $6,567,000 | 1,750 |
| Provision for loan and lease losses | $214,000 | 2,058 |
| Total noninterest income | $839,000 | 2,514 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $171,000 | 3,824 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $668,000 | 1,843 |
| Total noninterest expense | $6,174,000 | 1,489 |
| Salaries and employee benefits | $3,522,000 | 1,460 |
| Premises and equipment expense | $943,000 | 1,409 |
| Additional noninterest expense | $1,709,000 | 1,583 |
| Pre-tax net operating income | $1,018,000 | 3,496 |
| Securities gains (losses) | $588,000 | 167 |
| Applicable income taxes | $541,000 | 1,958 |
| Income before extraordinary items | $1,065,000 | 2,894 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,065,000 | 2,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 2,999 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $231,000 | 423 |
| Net operating income | $676,920 | 3,891 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,354,000 | 1,703 |
| Total interest expense | $3,130,000 | 1,595 |
| Net interest income | $3,224,000 | 1,783 |
| Provision for loan and lease losses | $101,000 | 1,995 |
| Total noninterest income | $384,000 | 2,634 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $89,000 | 3,686 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $295,000 | 1,983 |
| Total noninterest expense | $2,993,000 | 1,533 |
| Salaries and employee benefits | $1,683,000 | 1,544 |
| Premises and equipment expense | $482,000 | 1,392 |
| Additional noninterest expense | $828,000 | 1,616 |
| Pre-tax net operating income | $514,000 | 3,464 |
| Securities gains (losses) | $296,000 | 167 |
| Applicable income taxes | $275,000 | 1,972 |
| Income before extraordinary items | $535,000 | 2,866 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $535,000 | 2,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,851 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $115,000 | 323 |
| Net operating income | $339,640 | 3,882 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $22,696,000 | 1,777 |
| Total interest expense | $9,429,000 | 1,779 |
| Net interest income | $13,267,000 | 1,733 |
| Provision for loan and lease losses | $440,000 | 2,115 |
| Total noninterest income | $1,438,000 | 2,783 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $331,000 | 3,924 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,107,000 | 2,075 |
| Total noninterest expense | $12,150,000 | 1,466 |
| Salaries and employee benefits | $6,707,000 | 1,476 |
| Premises and equipment expense | $1,874,000 | 1,374 |
| Additional noninterest expense | $3,569,000 | 1,481 |
| Pre-tax net operating income | $2,115,000 | 3,525 |
| Securities gains (losses) | $25,000 | 848 |
| Applicable income taxes | $653,000 | 2,766 |
| Income before extraordinary items | $1,487,000 | 3,798 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,487,000 | 3,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 2,717 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $24,998,000 | 53 |
| Net operating income | $1,469,750 | 3,798 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $16,558,000 | 1,822 |
| Total interest expense | $6,683,000 | 1,814 |
| Net interest income | $9,875,000 | 1,758 |
| Provision for loan and lease losses | $335,000 | 1,972 |
| Total noninterest income | $1,095,000 | 2,754 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $251,000 | 3,943 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $844,000 | 2,054 |
| Total noninterest expense | $8,963,000 | 1,495 |
| Salaries and employee benefits | $4,951,000 | 1,509 |
| Premises and equipment expense | $1,370,000 | 1,424 |
| Additional noninterest expense | $2,642,000 | 1,495 |
| Pre-tax net operating income | $1,672,000 | 3,527 |
| Securities gains (losses) | $31,000 | 663 |
| Applicable income taxes | $532,000 | 2,779 |
| Income before extraordinary items | $1,171,000 | 3,804 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,171,000 | 3,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 2,034 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $24,774,000 | 37 |
| Net operating income | $1,149,610 | 3,828 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,672,000 | 1,850 |
| Total interest expense | $4,288,000 | 1,794 |
| Net interest income | $6,384,000 | 1,822 |
| Provision for loan and lease losses | $260,000 | 1,707 |
| Total noninterest income | $790,000 | 2,610 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $162,000 | 3,986 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $628,000 | 1,893 |
| Total noninterest expense | $5,885,000 | 1,525 |
| Salaries and employee benefits | $3,234,000 | 1,540 |
| Premises and equipment expense | $910,000 | 1,430 |
| Additional noninterest expense | $1,741,000 | 1,528 |
| Pre-tax net operating income | $1,029,000 | 3,739 |
| Securities gains (losses) | $18,000 | 623 |
| Applicable income taxes | $320,000 | 2,952 |
| Income before extraordinary items | $727,000 | 3,975 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $727,000 | 3,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 2,422 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $714,580 | 4,003 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,189,000 | 1,854 |
| Total interest expense | $2,081,000 | 1,756 |
| Net interest income | $3,108,000 | 1,857 |
| Provision for loan and lease losses | $150,000 | 1,421 |
| Total noninterest income | $422,000 | 2,466 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $76,000 | 4,048 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $346,000 | 1,741 |
| Total noninterest expense | $2,897,000 | 1,551 |
| Salaries and employee benefits | $1,603,000 | 1,556 |
| Premises and equipment expense | $459,000 | 1,420 |
| Additional noninterest expense | $835,000 | 1,562 |
| Pre-tax net operating income | $483,000 | 3,820 |
| Securities gains (losses) | $8,000 | 624 |
| Applicable income taxes | $152,000 | 3,026 |
| Income before extraordinary items | $339,000 | 4,096 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $339,000 | 4,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $333,480 | 4,124 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $18,992,000 | 1,775 |
| Total interest expense | $6,930,000 | 1,646 |
| Net interest income | $12,062,000 | 1,816 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $1,228,000 | 3,091 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $302,000 | 4,167 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $926,000 | 2,322 |
| Total noninterest expense | $11,087,000 | 1,548 |
| Salaries and employee benefits | $6,117,000 | 1,532 |
| Premises and equipment expense | $1,725,000 | 1,418 |
| Additional noninterest expense | $3,245,000 | 1,569 |
| Pre-tax net operating income | $2,083,000 | 3,587 |
| Securities gains (losses) | $103,000 | 691 |
| Applicable income taxes | $770,000 | 2,665 |
| Income before extraordinary items | $1,416,000 | 3,923 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,416,000 | 3,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,005 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,349,050 | 4,013 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,920,000 | 1,763 |
| Total interest expense | $5,012,000 | 1,604 |
| Net interest income | $8,908,000 | 1,834 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $877,000 | 3,200 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $224,000 | 4,218 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $653,000 | 2,416 |
| Total noninterest expense | $8,186,000 | 1,564 |
| Salaries and employee benefits | $4,505,000 | 1,544 |
| Premises and equipment expense | $1,265,000 | 1,439 |
| Additional noninterest expense | $2,416,000 | 1,552 |
| Pre-tax net operating income | $1,509,000 | 3,727 |
| Securities gains (losses) | $172,000 | 512 |
| Applicable income taxes | $531,000 | 2,832 |
| Income before extraordinary items | $1,150,000 | 3,782 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,150,000 | 3,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,898 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,033,040 | 4,034 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,045,000 | 1,765 |
| Total interest expense | $3,085,000 | 1,646 |
| Net interest income | $5,960,000 | 1,807 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $583,000 | 3,170 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $138,000 | 4,336 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $445,000 | 2,366 |
| Total noninterest expense | $5,494,000 | 1,540 |
| Salaries and employee benefits | $3,023,000 | 1,534 |
| Premises and equipment expense | $852,000 | 1,425 |
| Additional noninterest expense | $1,619,000 | 1,542 |
| Pre-tax net operating income | $989,000 | 3,742 |
| Securities gains (losses) | $90,000 | 607 |
| Applicable income taxes | $338,000 | 2,888 |
| Income before extraordinary items | $741,000 | 3,813 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $741,000 | 3,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,194 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $678,900 | 4,025 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,407,000 | 1,773 |
| Total interest expense | $1,432,000 | 1,672 |
| Net interest income | $2,975,000 | 1,794 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $314,000 | 2,961 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $66,000 | 4,389 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $248,000 | 2,164 |
| Total noninterest expense | $2,732,000 | 1,552 |
| Salaries and employee benefits | $1,492,000 | 1,558 |
| Premises and equipment expense | $444,000 | 1,366 |
| Additional noninterest expense | $796,000 | 1,563 |
| Pre-tax net operating income | $527,000 | 3,534 |
| Securities gains (losses) | $51,000 | 542 |
| Applicable income taxes | $184,000 | 2,743 |
| Income before extraordinary items | $394,000 | 3,662 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $394,000 | 3,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,394 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $359,320 | 3,853 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $16,738,000 | 1,712 |
| Total interest expense | $5,527,000 | 1,488 |
| Net interest income | $11,211,000 | 1,805 |
| Provision for loan and lease losses | $120,000 | 4,623 |
| Total noninterest income | $2,061,000 | 2,155 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $283,000 | 4,449 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,778,000 | 1,443 |
| Total noninterest expense | $10,386,000 | 1,571 |
| Salaries and employee benefits | $5,760,000 | 1,541 |
| Premises and equipment expense | $1,582,000 | 1,455 |
| Additional noninterest expense | $3,044,000 | 1,603 |
| Pre-tax net operating income | $2,766,000 | 2,755 |
| Securities gains (losses) | $68,000 | 1,506 |
| Applicable income taxes | $931,000 | 2,278 |
| Income before extraordinary items | $1,903,000 | 3,049 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,903,000 | 3,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,099 |
| Cash dividends | $9,000 | 6,110 |
| Sale, conversion, retirement of capital stock, net | $-109,000 | 8,900 |
| Net operating income | $1,857,440 | 3,042 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $12,344,000 | 1,719 |
| Total interest expense | $4,153,000 | 1,455 |
| Net interest income | $8,191,000 | 1,840 |
| Provision for loan and lease losses | $90,000 | 4,429 |
| Total noninterest income | $1,790,000 | 1,945 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $209,000 | 4,523 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,581,000 | 1,281 |
| Total noninterest expense | $7,549,000 | 1,611 |
| Salaries and employee benefits | $4,084,000 | 1,627 |
| Premises and equipment expense | $1,183,000 | 1,458 |
| Additional noninterest expense | $2,282,000 | 1,585 |
| Pre-tax net operating income | $2,342,000 | 2,534 |
| Securities gains (losses) | $29,000 | 2,064 |
| Applicable income taxes | $775,000 | 2,149 |
| Income before extraordinary items | $1,596,000 | 2,808 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,596,000 | 2,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,418 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,576,570 | 2,760 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,192,000 | 1,720 |
| Total interest expense | $2,772,000 | 1,434 |
| Net interest income | $5,420,000 | 1,842 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $1,427,000 | 1,675 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $129,000 | 4,705 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,298,000 | 1,111 |
| Total noninterest expense | $5,059,000 | 1,600 |
| Salaries and employee benefits | $2,749,000 | 1,607 |
| Premises and equipment expense | $790,000 | 1,465 |
| Additional noninterest expense | $1,520,000 | 1,587 |
| Pre-tax net operating income | $1,728,000 | 2,299 |
| Securities gains (losses) | $29,000 | 1,812 |
| Applicable income taxes | $580,000 | 1,983 |
| Income before extraordinary items | $1,177,000 | 2,569 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,177,000 | 2,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 3,489 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,157,570 | 2,535 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,104,000 | 1,713 |
| Total interest expense | $1,362,000 | 1,467 |
| Net interest income | $2,742,000 | 1,810 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $448,000 | 2,351 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $68,000 | 4,481 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $380,000 | 1,588 |
| Total noninterest expense | $2,547,000 | 1,598 |
| Salaries and employee benefits | $1,390,000 | 1,609 |
| Premises and equipment expense | $397,000 | 1,471 |
| Additional noninterest expense | $760,000 | 1,570 |
| Pre-tax net operating income | $613,000 | 3,034 |
| Securities gains (losses) | $30,000 | 1,495 |
| Applicable income taxes | $182,000 | 2,728 |
| Income before extraordinary items | $461,000 | 3,135 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $461,000 | 3,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,502 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $439,400 | 3,142 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $16,600,000 | 1,722 |
| Total interest expense | $6,289,000 | 1,412 |
| Net interest income | $10,311,000 | 1,882 |
| Provision for loan and lease losses | $120,000 | 4,933 |
| Total noninterest income | $1,506,000 | 2,838 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $261,000 | 4,646 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,245,000 | 2,070 |
| Total noninterest expense | $9,210,000 | 1,733 |
| Salaries and employee benefits | $4,978,000 | 1,726 |
| Premises and equipment expense | $1,390,000 | 1,639 |
| Additional noninterest expense | $2,842,000 | 1,701 |
| Pre-tax net operating income | $2,487,000 | 2,901 |
| Securities gains (losses) | $-271,000 | 9,102 |
| Applicable income taxes | $705,000 | 2,788 |
| Income before extraordinary items | $1,511,000 | 3,541 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,511,000 | 3,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,862 |
| Cash dividends | $9,000 | 6,229 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,695,280 | 3,105 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,471,000 | 1,743 |
| Total interest expense | $4,878,000 | 1,427 |
| Net interest income | $7,593,000 | 1,936 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $1,195,000 | 2,791 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $193,000 | 4,706 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,002,000 | 2,044 |
| Total noninterest expense | $6,879,000 | 1,744 |
| Salaries and employee benefits | $3,701,000 | 1,750 |
| Premises and equipment expense | $1,046,000 | 1,637 |
| Additional noninterest expense | $2,132,000 | 1,699 |
| Pre-tax net operating income | $1,819,000 | 3,051 |
| Securities gains (losses) | $-79,000 | 9,103 |
| Applicable income taxes | $551,000 | 2,840 |
| Income before extraordinary items | $1,189,000 | 3,522 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,189,000 | 3,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 3,747 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,242,720 | 3,239 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,475,000 | 1,731 |
| Total interest expense | $3,389,000 | 1,424 |
| Net interest income | $5,086,000 | 1,924 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $779,000 | 2,811 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $124,000 | 4,770 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $655,000 | 2,069 |
| Total noninterest expense | $4,580,000 | 1,742 |
| Salaries and employee benefits | $2,446,000 | 1,759 |
| Premises and equipment expense | $706,000 | 1,623 |
| Additional noninterest expense | $1,428,000 | 1,689 |
| Pre-tax net operating income | $1,225,000 | 3,036 |
| Securities gains (losses) | $-78,000 | 9,181 |
| Applicable income taxes | $351,000 | 2,941 |
| Income before extraordinary items | $796,000 | 3,522 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $796,000 | 3,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,662 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $849,820 | 3,174 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,291,000 | 1,722 |
| Total interest expense | $1,728,000 | 1,431 |
| Net interest income | $2,563,000 | 1,899 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $375,000 | 2,783 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $60,000 | 4,759 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $315,000 | 2,045 |
| Total noninterest expense | $2,266,000 | 1,747 |
| Salaries and employee benefits | $1,174,000 | 1,818 |
| Premises and equipment expense | $370,000 | 1,554 |
| Additional noninterest expense | $722,000 | 1,628 |
| Pre-tax net operating income | $642,000 | 2,921 |
| Securities gains (losses) | $-78,000 | 9,248 |
| Applicable income taxes | $163,000 | 3,077 |
| Income before extraordinary items | $401,000 | 3,445 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $401,000 | 3,443 |
| 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 | $456,380 | 2,985 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $17,640,000 | 1,744 |
| Total interest expense | $6,929,000 | 1,648 |
| Net interest income | $10,711,000 | 1,807 |
| Provision for loan and lease losses | $120,000 | 5,330 |
| Total noninterest income | $1,633,000 | 2,480 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $250,000 | 4,695 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,383,000 | 1,755 |
| Total noninterest expense | $8,753,000 | 1,732 |
| Salaries and employee benefits | $4,820,000 | 1,666 |
| Premises and equipment expense | $1,126,000 | 1,962 |
| Additional noninterest expense | $2,807,000 | 1,670 |
| Pre-tax net operating income | $3,471,000 | 2,222 |
| Securities gains (losses) | $-1,000 | 8,656 |
| Applicable income taxes | $1,014,000 | 2,186 |
| Income before extraordinary items | $2,456,000 | 2,390 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,456,000 | 2,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 5,060 |
| Cash dividends | $8,000 | 6,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,456,710 | 2,308 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $18,935,000 | 1,806 |
| Total interest expense | $9,938,000 | 1,629 |
| Net interest income | $8,997,000 | 1,982 |
| Provision for loan and lease losses | $80,000 | 5,977 |
| Total noninterest income | $1,195,000 | 2,943 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $253,000 | 4,612 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $942,000 | 2,134 |
| Total noninterest expense | $7,624,000 | 1,898 |
| Salaries and employee benefits | $4,033,000 | 1,859 |
| Premises and equipment expense | $1,042,000 | 2,040 |
| Additional noninterest expense | $2,549,000 | 1,795 |
| Pre-tax net operating income | $2,488,000 | 2,674 |
| Securities gains (losses) | $107,000 | 1,692 |
| Applicable income taxes | $779,000 | 2,481 |
| Income before extraordinary items | $1,816,000 | 2,770 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,816,000 | 2,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-84,000 | 9,487 |
| Cash dividends | $8,000 | 6,545 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 721 |
| Net operating income | $1,741,100 | 2,786 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $19,147,000 | 1,815 |
| Total interest expense | $10,146,000 | 1,690 |
| Net interest income | $9,001,000 | 1,957 |
| Provision for loan and lease losses | $240,000 | 3,322 |
| Total noninterest income | $1,079,000 | 2,977 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $213,000 | 4,942 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $866,000 | 2,041 |
| Total noninterest expense | $7,300,000 | 1,905 |
| Salaries and employee benefits | $3,835,000 | 1,879 |
| Premises and equipment expense | $954,000 | 2,162 |
| Additional noninterest expense | $2,511,000 | 1,762 |
| Pre-tax net operating income | $2,540,000 | 2,724 |
| Securities gains (losses) | $212,000 | 400 |
| Applicable income taxes | $689,000 | 2,819 |
| Income before extraordinary items | $2,063,000 | 2,487 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,063,000 | 2,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $249,000 | 2,055 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 762 |
| Net operating income | $1,904,000 | 2,673 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $17,401,000 | 1,864 |
| Total interest expense | $8,478,000 | 1,754 |
| Net interest income | $8,923,000 | 1,970 |
| Provision for loan and lease losses | $323,000 | 2,504 |
| Total noninterest income | $779,000 | 3,687 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $191,000 | 5,239 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $588,000 | 2,664 |
| Total noninterest expense | $6,633,000 | 2,051 |
| Salaries and employee benefits | $3,425,000 | 2,053 |
| Premises and equipment expense | $888,000 | 2,287 |
| Additional noninterest expense | $2,320,000 | 1,880 |
| Pre-tax net operating income | $2,746,000 | 2,592 |
| Securities gains (losses) | $441,000 | 369 |
| Applicable income taxes | $1,080,000 | 2,089 |
| Income before extraordinary items | $2,107,000 | 2,460 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,107,000 | 2,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 2,734 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,815,940 | 2,751 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $17,471,000 | 1,853 |
| Total interest expense | $8,808,000 | 1,741 |
| Net interest income | $8,663,000 | 1,973 |
| Provision for loan and lease losses | $360,000 | 2,235 |
| Total noninterest income | $672,000 | 4,096 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $191,000 | 5,272 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $481,000 | 3,052 |
| Total noninterest expense | $6,224,000 | 2,111 |
| Salaries and employee benefits | $3,090,000 | 2,184 |
| Premises and equipment expense | $836,000 | 2,334 |
| Additional noninterest expense | $2,298,000 | 1,837 |
| Pre-tax net operating income | $2,751,000 | 2,573 |
| Securities gains (losses) | $310,000 | 728 |
| Applicable income taxes | $1,136,000 | 2,084 |
| Income before extraordinary items | $1,925,000 | 2,640 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,925,000 | 2,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $357,000 | 1,644 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,726,600 | 2,804 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $17,316,000 | 1,906 |
| Total interest expense | $8,436,000 | 1,837 |
| Net interest income | $8,880,000 | 1,958 |
| Provision for loan and lease losses | $-210,000 | 10,833 |
| Total noninterest income | $620,000 | 4,315 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $210,000 | 5,201 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $410,000 | 3,239 |
| Total noninterest expense | $5,831,000 | 2,208 |
| Salaries and employee benefits | $2,947,000 | 2,249 |
| Premises and equipment expense | $873,000 | 2,254 |
| Additional noninterest expense | $2,011,000 | 2,078 |
| Pre-tax net operating income | $3,879,000 | 1,934 |
| Securities gains (losses) | $226,000 | 659 |
| Applicable income taxes | $1,701,000 | 1,523 |
| Income before extraordinary items | $2,404,000 | 2,192 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,404,000 | 2,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-480,000 | 10,876 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,259,360 | 2,262 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $16,746,000 | 2,022 |
| Total interest expense | $8,098,000 | 1,936 |
| Net interest income | $8,648,000 | 2,074 |
| Provision for loan and lease losses | $575,000 | 1,572 |
| Total noninterest income | $682,000 | 4,193 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $244,000 | 4,911 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $438,000 | 3,204 |
| Total noninterest expense | $5,495,000 | 2,494 |
| Salaries and employee benefits | $2,658,000 | 2,507 |
| Premises and equipment expense | $820,000 | 2,390 |
| Additional noninterest expense | $2,017,000 | 2,429 |
| Pre-tax net operating income | $3,260,000 | 2,197 |
| Securities gains (losses) | $200,000 | 693 |
| Applicable income taxes | $1,357,000 | 1,764 |
| Income before extraordinary items | $2,103,000 | 2,341 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,103,000 | 2,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $494,000 | 1,437 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,975,000 | 2,436 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,864,000 | 2,120 |
| Total interest expense | $7,001,000 | 2,232 |
| Net interest income | $8,863,000 | 2,028 |
| Provision for loan and lease losses | $275,000 | 2,402 |
| Total noninterest income | $753,000 | 3,863 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $265,000 | 4,739 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $488,000 | 2,924 |
| Total noninterest expense | $5,542,000 | 2,454 |
| Salaries and employee benefits | $2,617,000 | 2,552 |
| Premises and equipment expense | $767,000 | 2,592 |
| Additional noninterest expense | $2,158,000 | 2,258 |
| Pre-tax net operating income | $3,799,000 | 1,943 |
| Securities gains (losses) | $143,000 | 803 |
| Applicable income taxes | $1,529,000 | 1,627 |
| Income before extraordinary items | $2,413,000 | 2,091 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,413,000 | 2,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 2,571 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,321,480 | 2,149 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $14,490,000 | 2,116 |
| Total interest expense | $5,456,000 | 2,280 |
| Net interest income | $9,034,000 | 2,008 |
| Provision for loan and lease losses | $430,000 | 1,721 |
| Total noninterest income | $776,000 | 3,810 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $269,000 | 4,765 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $507,000 | 2,927 |
| Total noninterest expense | $5,719,000 | 2,457 |
| Salaries and employee benefits | $2,512,000 | 2,648 |
| Premises and equipment expense | $411,000 | 4,477 |
| Additional noninterest expense | $2,796,000 | 1,935 |
| Pre-tax net operating income | $3,661,000 | 1,948 |
| Securities gains (losses) | $37,000 | 1,338 |
| Applicable income taxes | $1,546,000 | 1,518 |
| Income before extraordinary items | $2,152,000 | 2,260 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,152,000 | 2,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,996 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,128,320 | 2,306 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $14,881,000 | 2,104 |
| Total interest expense | $6,312,000 | 2,054 |
| Net interest income | $8,569,000 | 2,103 |
| Provision for loan and lease losses | $1,275,000 | 1,112 |
| Total noninterest income | $880,000 | 3,695 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $267,000 | 4,851 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $613,000 | 2,851 |
| Total noninterest expense | $5,479,000 | 2,618 |
| Salaries and employee benefits | $2,331,000 | 2,831 |
| Premises and equipment expense | $371,000 | 5,005 |
| Additional noninterest expense | $2,777,000 | 2,034 |
| Pre-tax net operating income | $2,695,000 | 2,536 |
| Securities gains (losses) | $17,000 | 4,881 |
| Applicable income taxes | $1,110,000 | 2,055 |
| Income before extraordinary items | $1,602,000 | 3,050 |
| Extraordinary gains, net | $639,000 | 351 |
| Net income | $2,241,000 | 2,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,034,000 | 723 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,591,120 | 2,895 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $15,529,000 | 2,273 |
| Total interest expense | $7,576,000 | 2,242 |
| Net interest income | $7,953,000 | 2,283 |
| Provision for loan and lease losses | $1,458,000 | 1,430 |
| Total noninterest income | $865,000 | 3,738 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $218,000 | 5,664 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $647,000 | 2,692 |
| Total noninterest expense | $4,916,000 | 2,906 |
| Salaries and employee benefits | $2,122,000 | 3,045 |
| Premises and equipment expense | $387,000 | 4,922 |
| Additional noninterest expense | $2,407,000 | 2,395 |
| Pre-tax net operating income | $2,444,000 | 2,547 |
| Securities gains (losses) | $18,000 | 5,726 |
| Applicable income taxes | $1,344,000 | 1,586 |
| Income before extraordinary items | $1,118,000 | 4,061 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,118,000 | 4,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $998,000 | 1,557 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,106,480 | 3,803 |
* 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.