Home > Choice Financial Savings Bank > Income and Expense
Choice Financial Savings Bank, Income and Expense
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $111,000 | 6,947 |
| Total interest expense | $14,000 | 6,857 |
| Net interest income | $97,000 | 6,939 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $13,000 | 6,651 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $8,000 | 6,381 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $5,000 | 6,416 |
| Total noninterest expense | $95,000 | 6,963 |
| Salaries and employee benefits | $47,000 | 6,959 |
| Premises and equipment expense | $10,000 | 6,861 |
| Additional noninterest expense | $38,000 | 6,883 |
| Pre-tax net operating income | $15,000 | 6,208 |
| Securities gains (losses) | $112,000 | 648 |
| Applicable income taxes | $40,000 | 3,151 |
| Income before extraordinary items | $87,000 | 5,396 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $87,000 | 5,398 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $87,000 | 5,398 |
| Net charge-offs | $-98,000 | 6,837 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $9,720 | 6,254 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $527,000 | 6,986 |
| Total interest expense | $67,000 | 6,925 |
| Net interest income | $460,000 | 6,977 |
| Provision for loan and lease losses | $0 | 5,905 |
| Total noninterest income | $56,000 | 6,612 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $40,000 | 6,397 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $16,000 | 6,332 |
| Total noninterest expense | $436,000 | 7,006 |
| Salaries and employee benefits | $196,000 | 7,018 |
| Premises and equipment expense | $39,000 | 6,953 |
| Additional noninterest expense | $201,000 | 6,867 |
| Pre-tax net operating income | $80,000 | 5,959 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $25,000 | 4,128 |
| Income before extraordinary items | $55,000 | 6,174 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $55,000 | 6,168 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $55,000 | 6,170 |
| Net charge-offs | $-84,000 | 6,921 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $55,000 | 6,016 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $405,000 | 7,092 |
| Total interest expense | $53,000 | 7,025 |
| Net interest income | $352,000 | 7,081 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $44,000 | 6,709 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $33,000 | 6,404 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $11,000 | 6,470 |
| Total noninterest expense | $322,000 | 7,109 |
| Salaries and employee benefits | $145,000 | 7,121 |
| Premises and equipment expense | $30,000 | 7,033 |
| Additional noninterest expense | $147,000 | 6,964 |
| Pre-tax net operating income | $74,000 | 6,080 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $23,000 | 4,110 |
| Income before extraordinary items | $51,000 | 6,275 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $51,000 | 6,273 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $51,000 | 6,274 |
| Net charge-offs | $-53,000 | 6,938 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $51,000 | 6,136 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $279,000 | 7,144 |
| Total interest expense | $38,000 | 7,078 |
| Net interest income | $241,000 | 7,136 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $29,000 | 6,756 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $22,000 | 6,442 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,000 | 6,537 |
| Total noninterest expense | $220,000 | 7,163 |
| Salaries and employee benefits | $99,000 | 7,179 |
| Premises and equipment expense | $21,000 | 7,071 |
| Additional noninterest expense | $100,000 | 7,009 |
| Pre-tax net operating income | $50,000 | 6,099 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $15,000 | 4,095 |
| Income before extraordinary items | $35,000 | 6,301 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $35,000 | 6,301 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $35,000 | 6,301 |
| Net charge-offs | $-23,000 | 6,825 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $35,000 | 6,162 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $143,000 | 7,205 |
| Total interest expense | $21,000 | 7,125 |
| Net interest income | $122,000 | 7,193 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $13,000 | 6,859 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $10,000 | 6,521 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $3,000 | 6,669 |
| Total noninterest expense | $125,000 | 7,189 |
| Salaries and employee benefits | $47,000 | 7,249 |
| Premises and equipment expense | $9,000 | 7,152 |
| Additional noninterest expense | $69,000 | 6,859 |
| Pre-tax net operating income | $10,000 | 6,334 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $3,000 | 4,405 |
| Income before extraordinary items | $7,000 | 6,462 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $7,000 | 6,463 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $7,000 | 6,462 |
| Net charge-offs | $-23,000 | 6,913 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $7,000 | 6,352 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $623,000 | 7,242 |
| Total interest expense | $113,000 | 7,163 |
| Net interest income | $510,000 | 7,233 |
| Provision for loan and lease losses | $-90,000 | 7,255 |
| Total noninterest income | $55,000 | 6,761 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $49,000 | 6,336 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $6,000 | 6,599 |
| Total noninterest expense | $493,000 | 7,250 |
| Salaries and employee benefits | $214,000 | 7,282 |
| Premises and equipment expense | $55,000 | 7,140 |
| Additional noninterest expense | $224,000 | 7,075 |
| Pre-tax net operating income | $162,000 | 5,586 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $51,000 | 3,754 |
| Income before extraordinary items | $111,000 | 5,829 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $111,000 | 5,831 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $111,000 | 5,831 |
| Net charge-offs | $-62,000 | 7,209 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $111,000 | 5,716 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $471,000 | 7,316 |
| Total interest expense | $91,000 | 7,232 |
| Net interest income | $380,000 | 7,306 |
| Provision for loan and lease losses | $-90,000 | 7,342 |
| Total noninterest income | $43,000 | 6,843 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $38,000 | 6,352 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $5,000 | 6,748 |
| Total noninterest expense | $371,000 | 7,313 |
| Salaries and employee benefits | $163,000 | 7,348 |
| Premises and equipment expense | $41,000 | 7,216 |
| Additional noninterest expense | $167,000 | 7,134 |
| Pre-tax net operating income | $142,000 | 5,661 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $45,000 | 3,682 |
| Income before extraordinary items | $97,000 | 5,904 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $97,000 | 5,905 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $97,000 | 5,905 |
| Net charge-offs | $-62,000 | 7,274 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $97,000 | 5,788 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $314,000 | 7,386 |
| Total interest expense | $61,000 | 7,308 |
| Net interest income | $253,000 | 7,373 |
| Provision for loan and lease losses | $-60,000 | 7,409 |
| Total noninterest income | $27,000 | 6,944 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,067 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $27,000 | 6,031 |
| Total noninterest expense | $246,000 | 7,389 |
| Salaries and employee benefits | $109,000 | 7,421 |
| Premises and equipment expense | $26,000 | 7,289 |
| Additional noninterest expense | $111,000 | 7,206 |
| Pre-tax net operating income | $94,000 | 5,711 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $31,000 | 3,615 |
| Income before extraordinary items | $63,000 | 5,929 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $63,000 | 5,928 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $63,000 | 5,929 |
| Net charge-offs | $-17,000 | 7,124 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $63,000 | 5,846 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $155,000 | 7,447 |
| Total interest expense | $30,000 | 7,382 |
| Net interest income | $125,000 | 7,430 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $15,000 | 6,980 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,070 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $15,000 | 6,083 |
| Total noninterest expense | $125,000 | 7,448 |
| Salaries and employee benefits | $55,000 | 7,475 |
| Premises and equipment expense | $14,000 | 7,313 |
| Additional noninterest expense | $56,000 | 7,266 |
| Pre-tax net operating income | $15,000 | 6,156 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $4,000 | 4,128 |
| Income before extraordinary items | $11,000 | 6,238 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $11,000 | 6,237 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $11,000 | 6,238 |
| Net charge-offs | $-17,000 | 7,158 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $11,000 | 6,201 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $665,000 | 7,510 |
| Total interest expense | $170,000 | 7,390 |
| Net interest income | $495,000 | 7,502 |
| Provision for loan and lease losses | $0 | 7,042 |
| Total noninterest income | $57,000 | 7,003 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $57,000 | 5,995 |
| Total noninterest expense | $525,000 | 7,509 |
| Salaries and employee benefits | $221,000 | 7,555 |
| Premises and equipment expense | $81,000 | 7,206 |
| Additional noninterest expense | $223,000 | 7,334 |
| Pre-tax net operating income | $27,000 | 5,692 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $49,000 | 3,643 |
| Income before extraordinary items | $-22,000 | 5,984 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-22,000 | 5,984 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-22,000 | 5,984 |
| Net charge-offs | $-22,000 | 7,513 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-22,000 | 5,873 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $503,000 | 7,617 |
| Total interest expense | $133,000 | 7,498 |
| Net interest income | $370,000 | 7,611 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $42,000 | 7,167 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $42,000 | 6,168 |
| Total noninterest expense | $394,000 | 7,607 |
| Salaries and employee benefits | $163,000 | 7,666 |
| Premises and equipment expense | $61,000 | 7,295 |
| Additional noninterest expense | $170,000 | 7,406 |
| Pre-tax net operating income | $18,000 | 5,911 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $5,000 | 4,390 |
| Income before extraordinary items | $13,000 | 6,072 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $13,000 | 6,073 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $13,000 | 6,073 |
| Net charge-offs | $-17,000 | 7,530 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $13,000 | 5,955 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $340,000 | 7,682 |
| Total interest expense | $91,000 | 7,562 |
| Net interest income | $249,000 | 7,678 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $26,000 | 7,250 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $26,000 | 6,263 |
| Total noninterest expense | $262,000 | 7,679 |
| Salaries and employee benefits | $111,000 | 7,727 |
| Premises and equipment expense | $40,000 | 7,371 |
| Additional noninterest expense | $111,000 | 7,488 |
| Pre-tax net operating income | $13,000 | 5,995 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $4,000 | 4,358 |
| Income before extraordinary items | $9,000 | 6,132 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $9,000 | 6,134 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $9,000 | 6,133 |
| Net charge-offs | $-8,000 | 7,437 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $9,000 | 6,032 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $170,000 | 7,785 |
| Total interest expense | $46,000 | 7,672 |
| Net interest income | $124,000 | 7,776 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $13,000 | 7,346 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $13,000 | 6,398 |
| Total noninterest expense | $134,000 | 7,771 |
| Salaries and employee benefits | $57,000 | 7,815 |
| Premises and equipment expense | $22,000 | 7,387 |
| Additional noninterest expense | $55,000 | 7,602 |
| Pre-tax net operating income | $3,000 | 6,214 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $1,000 | 4,457 |
| Income before extraordinary items | $2,000 | 6,362 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,000 | 6,365 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $2,000 | 6,364 |
| Net charge-offs | $-8,000 | 7,437 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $2,000 | 6,255 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $754,000 | 7,827 |
| Total interest expense | $250,000 | 7,685 |
| Net interest income | $504,000 | 7,826 |
| Provision for loan and lease losses | $1,005,000 | 3,494 |
| Total noninterest income | $63,000 | 7,300 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $63,000 | 6,140 |
| Total noninterest expense | $496,000 | 7,879 |
| Salaries and employee benefits | $202,000 | 7,932 |
| Premises and equipment expense | $82,000 | 7,533 |
| Additional noninterest expense | $212,000 | 7,717 |
| Pre-tax net operating income | $-934,000 | 6,231 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-293,000 | 6,859 |
| Income before extraordinary items | $-641,000 | 6,160 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-641,000 | 6,160 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-641,000 | 6,160 |
| Net charge-offs | $1,003,000 | 2,854 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-641,000 | 6,160 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $597,000 | 7,901 |
| Total interest expense | $199,000 | 7,759 |
| Net interest income | $398,000 | 7,892 |
| Provision for loan and lease losses | $15,000 | 7,017 |
| Total noninterest income | $52,000 | 7,381 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $52,000 | 6,183 |
| Total noninterest expense | $362,000 | 7,960 |
| Salaries and employee benefits | $153,000 | 8,003 |
| Premises and equipment expense | $61,000 | 7,610 |
| Additional noninterest expense | $148,000 | 7,822 |
| Pre-tax net operating income | $73,000 | 5,398 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $23,000 | 3,737 |
| Income before extraordinary items | $50,000 | 5,561 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $50,000 | 5,561 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $50,000 | 5,561 |
| Net charge-offs | $18,000 | 6,290 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $50,000 | 5,502 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $394,000 | 7,993 |
| Total interest expense | $137,000 | 7,842 |
| Net interest income | $257,000 | 7,976 |
| Provision for loan and lease losses | $15,000 | 6,783 |
| Total noninterest income | $36,000 | 7,412 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $36,000 | 6,203 |
| Total noninterest expense | $233,000 | 8,051 |
| Salaries and employee benefits | $101,000 | 8,098 |
| Premises and equipment expense | $41,000 | 7,675 |
| Additional noninterest expense | $91,000 | 7,931 |
| Pre-tax net operating income | $45,000 | 5,544 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $14,000 | 3,870 |
| Income before extraordinary items | $31,000 | 5,709 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $31,000 | 5,707 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $31,000 | 5,707 |
| Net charge-offs | $18,000 | 5,684 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $31,000 | 5,622 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $200,000 | 8,044 |
| Total interest expense | $70,000 | 7,902 |
| Net interest income | $130,000 | 8,029 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $17,000 | 7,517 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $17,000 | 6,333 |
| Total noninterest expense | $116,000 | 8,105 |
| Salaries and employee benefits | $51,000 | 8,150 |
| Premises and equipment expense | $22,000 | 7,659 |
| Additional noninterest expense | $43,000 | 7,964 |
| Pre-tax net operating income | $31,000 | 5,872 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $11,000 | 3,919 |
| Income before extraordinary items | $20,000 | 6,148 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $20,000 | 6,150 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $20,000 | 6,150 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $20,000 | 5,994 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $863,000 | 8,058 |
| Total interest expense | $363,000 | 7,892 |
| Net interest income | $500,000 | 8,079 |
| Provision for loan and lease losses | $2,000 | 7,318 |
| Total noninterest income | $65,000 | 7,622 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $65,000 | 6,475 |
| Total noninterest expense | $476,000 | 8,139 |
| Salaries and employee benefits | $198,000 | 8,203 |
| Premises and equipment expense | $82,000 | 7,781 |
| Additional noninterest expense | $196,000 | 7,891 |
| Pre-tax net operating income | $87,000 | 6,061 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $23,000 | 4,218 |
| Income before extraordinary items | $64,000 | 5,994 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $64,000 | 5,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,900 |
| Cash dividends | $750,000 | 2,739 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $64,000 | 6,140 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $666,000 | 8,140 |
| Total interest expense | $285,000 | 7,962 |
| Net interest income | $381,000 | 8,167 |
| Provision for loan and lease losses | $2,000 | 6,955 |
| Total noninterest income | $45,000 | 7,796 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $45,000 | 6,722 |
| Total noninterest expense | $357,000 | 8,202 |
| Salaries and employee benefits | $147,000 | 8,277 |
| Premises and equipment expense | $65,000 | 7,787 |
| Additional noninterest expense | $145,000 | 7,937 |
| Pre-tax net operating income | $67,000 | 6,529 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $19,000 | 4,622 |
| Income before extraordinary items | $48,000 | 6,421 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $48,000 | 6,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $48,000 | 6,580 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $450,000 | 8,207 |
| Total interest expense | $193,000 | 8,042 |
| Net interest income | $257,000 | 8,228 |
| Provision for loan and lease losses | $2,000 | 6,624 |
| Total noninterest income | $30,000 | 7,869 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $30,000 | 6,778 |
| Total noninterest expense | $233,000 | 8,273 |
| Salaries and employee benefits | $97,000 | 8,351 |
| Premises and equipment expense | $41,000 | 7,863 |
| Additional noninterest expense | $95,000 | 8,013 |
| Pre-tax net operating income | $52,000 | 6,663 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $14,000 | 4,858 |
| Income before extraordinary items | $38,000 | 6,774 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $38,000 | 6,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $38,000 | 6,712 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $234,000 | 8,247 |
| Total interest expense | $104,000 | 8,072 |
| Net interest income | $130,000 | 8,275 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $18,000 | 7,776 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $18,000 | 6,579 |
| Total noninterest expense | $116,000 | 8,317 |
| Salaries and employee benefits | $48,000 | 8,392 |
| Premises and equipment expense | $21,000 | 7,894 |
| Additional noninterest expense | $47,000 | 8,047 |
| Pre-tax net operating income | $32,000 | 6,827 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $10,000 | 4,802 |
| Income before extraordinary items | $22,000 | 6,993 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $22,000 | 6,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $22,000 | 6,903 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,030,000 | 8,176 |
| Total interest expense | $473,000 | 7,987 |
| Net interest income | $557,000 | 8,231 |
| Provision for loan and lease losses | $8,000 | 6,652 |
| Total noninterest income | $51,000 | 8,023 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $51,000 | 7,075 |
| Total noninterest expense | $521,000 | 8,309 |
| Salaries and employee benefits | $243,000 | 8,376 |
| Premises and equipment expense | $78,000 | 7,983 |
| Additional noninterest expense | $200,000 | 8,029 |
| Pre-tax net operating income | $79,000 | 7,209 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $27,000 | 5,283 |
| Income before extraordinary items | $52,000 | 7,316 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $52,000 | 7,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,709 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $52,000 | 7,287 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $766,000 | 8,234 |
| Total interest expense | $354,000 | 8,044 |
| Net interest income | $412,000 | 8,293 |
| Provision for loan and lease losses | $8,000 | 6,278 |
| Total noninterest income | $37,000 | 8,085 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $37,000 | 7,140 |
| Total noninterest expense | $392,000 | 8,296 |
| Salaries and employee benefits | $187,000 | 8,356 |
| Premises and equipment expense | $58,000 | 7,963 |
| Additional noninterest expense | $147,000 | 8,026 |
| Pre-tax net operating income | $49,000 | 7,497 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $14,000 | 5,621 |
| Income before extraordinary items | $35,000 | 7,549 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $35,000 | 7,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,441 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $35,000 | 7,535 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $503,000 | 8,312 |
| Total interest expense | $234,000 | 8,095 |
| Net interest income | $269,000 | 8,369 |
| Provision for loan and lease losses | $6,000 | 5,907 |
| Total noninterest income | $26,000 | 8,117 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $26,000 | 7,121 |
| Total noninterest expense | $258,000 | 8,357 |
| Salaries and employee benefits | $122,000 | 8,415 |
| Premises and equipment expense | $36,000 | 8,079 |
| Additional noninterest expense | $100,000 | 8,051 |
| Pre-tax net operating income | $31,000 | 7,632 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $13,000 | 5,554 |
| Income before extraordinary items | $18,000 | 7,704 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $18,000 | 7,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,195 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $18,000 | 7,690 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $251,000 | 8,370 |
| Total interest expense | $116,000 | 8,146 |
| Net interest income | $135,000 | 8,431 |
| Provision for loan and lease losses | $3,000 | 5,535 |
| Total noninterest income | $14,000 | 8,107 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $14,000 | 7,050 |
| Total noninterest expense | $123,000 | 8,417 |
| Salaries and employee benefits | $59,000 | 8,477 |
| Premises and equipment expense | $18,000 | 8,104 |
| Additional noninterest expense | $46,000 | 8,162 |
| Pre-tax net operating income | $23,000 | 7,624 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $10,000 | 5,322 |
| Income before extraordinary items | $13,000 | 7,721 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $13,000 | 7,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $13,000 | 7,701 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $987,000 | 8,288 |
| Total interest expense | $375,000 | 8,148 |
| Net interest income | $612,000 | 8,311 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $56,000 | 8,167 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $56,000 | 7,129 |
| Total noninterest expense | $504,000 | 8,436 |
| Salaries and employee benefits | $243,000 | 8,485 |
| Premises and equipment expense | $80,000 | 8,031 |
| Additional noninterest expense | $181,000 | 8,215 |
| Pre-tax net operating income | $164,000 | 7,512 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $35,000 | 5,669 |
| Income before extraordinary items | $129,000 | 7,563 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $129,000 | 7,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,595 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $129,000 | 7,557 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $717,000 | 8,375 |
| Total interest expense | $263,000 | 8,234 |
| Net interest income | $454,000 | 8,393 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $45,000 | 8,219 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $45,000 | 7,069 |
| Total noninterest expense | $378,000 | 8,463 |
| Salaries and employee benefits | $187,000 | 8,518 |
| Premises and equipment expense | $62,000 | 8,035 |
| Additional noninterest expense | $129,000 | 8,293 |
| Pre-tax net operating income | $121,000 | 7,737 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $39,000 | 5,586 |
| Income before extraordinary items | $82,000 | 7,818 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $82,000 | 7,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $82,000 | 7,819 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $448,000 | 8,461 |
| Total interest expense | $153,000 | 8,339 |
| Net interest income | $295,000 | 8,470 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $30,000 | 8,281 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $30,000 | 7,109 |
| Total noninterest expense | $267,000 | 8,466 |
| Salaries and employee benefits | $138,000 | 8,515 |
| Premises and equipment expense | $44,000 | 7,973 |
| Additional noninterest expense | $85,000 | 8,332 |
| Pre-tax net operating income | $58,000 | 7,917 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $25,000 | 5,675 |
| Income before extraordinary items | $33,000 | 8,013 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $33,000 | 8,014 |
| 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 | $33,000 | 8,011 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $210,000 | 8,512 |
| Total interest expense | $66,000 | 8,425 |
| Net interest income | $144,000 | 8,507 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $12,000 | 8,372 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,358 |
| Total noninterest expense | $133,000 | 8,490 |
| Salaries and employee benefits | $70,000 | 8,519 |
| Premises and equipment expense | $18,000 | 8,165 |
| Additional noninterest expense | $45,000 | 8,278 |
| Pre-tax net operating income | $23,000 | 8,001 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $9,000 | 5,806 |
| Income before extraordinary items | $14,000 | 8,060 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $14,000 | 8,060 |
| 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 | $14,000 | 8,054 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $532,000 | 8,619 |
| Total interest expense | $160,000 | 8,522 |
| Net interest income | $372,000 | 8,620 |
| Provision for loan and lease losses | $45,000 | 5,862 |
| Total noninterest income | $53,000 | 8,402 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $11,000 | 7,582 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $42,000 | 7,569 |
| Total noninterest expense | $378,000 | 8,689 |
| Salaries and employee benefits | $240,000 | 8,623 |
| Premises and equipment expense | $59,000 | 8,359 |
| Additional noninterest expense | $79,000 | 8,754 |
| Pre-tax net operating income | $2,000 | 8,235 |
| Securities gains (losses) | $-26,000 | 7,947 |
| Applicable income taxes | $-10,000 | 8,463 |
| Income before extraordinary items | $-14,000 | 8,297 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-14,000 | 8,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,118 |
| Cash dividends | $43,000 | 5,823 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,640 | 8,244 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $330,000 | 8,723 |
| Total interest expense | $102,000 | 8,599 |
| Net interest income | $228,000 | 8,730 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $40,000 | 8,446 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $11,000 | 7,593 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $29,000 | 7,683 |
| Total noninterest expense | $251,000 | 8,737 |
| Salaries and employee benefits | $176,000 | 8,631 |
| Premises and equipment expense | $42,000 | 8,401 |
| Additional noninterest expense | $33,000 | 8,825 |
| Pre-tax net operating income | $17,000 | 8,279 |
| Securities gains (losses) | $-26,000 | 8,284 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-9,000 | 8,356 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-9,000 | 8,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,516 |
| Cash dividends | $43,000 | 5,071 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $17,000 | 8,272 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $298,000 | 8,646 |
| Total interest expense | $94,000 | 8,475 |
| Net interest income | $204,000 | 8,659 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $35,000 | 8,291 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $11,000 | 7,506 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $24,000 | 7,442 |
| Total noninterest expense | $213,000 | 8,657 |
| Salaries and employee benefits | $163,000 | 8,423 |
| Premises and equipment expense | $21,000 | 8,548 |
| Additional noninterest expense | $29,000 | 8,815 |
| Pre-tax net operating income | $26,000 | 8,252 |
| Securities gains (losses) | $-26,000 | 8,439 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $0 | 8,377 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $0 | 8,377 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,895 |
| Cash dividends | $43,000 | 4,794 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $26,000 | 8,223 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $145,000 | 8,726 |
| Total interest expense | $44,000 | 8,560 |
| Net interest income | $101,000 | 8,742 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $20,000 | 8,219 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $7,000 | 7,502 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $13,000 | 7,447 |
| Total noninterest expense | $107,000 | 8,709 |
| Salaries and employee benefits | $81,000 | 8,498 |
| Premises and equipment expense | $10,000 | 8,622 |
| Additional noninterest expense | $16,000 | 8,866 |
| Pre-tax net operating income | $14,000 | 8,312 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $14,000 | 8,310 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $14,000 | 8,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,734 |
| Cash dividends | $43,000 | 3,508 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $14,000 | 8,283 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $557,000 | 8,728 |
| Total interest expense | $172,000 | 8,553 |
| Net interest income | $385,000 | 8,745 |
| Provision for loan and lease losses | $10,000 | 7,024 |
| Total noninterest income | $76,000 | 8,344 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $32,000 | 7,529 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $44,000 | 7,564 |
| Total noninterest expense | $438,000 | 8,747 |
| Salaries and employee benefits | $329,000 | 8,525 |
| Premises and equipment expense | $39,000 | 8,731 |
| Additional noninterest expense | $70,000 | 8,891 |
| Pre-tax net operating income | $13,000 | 8,352 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-63,000 | 8,692 |
| Income before extraordinary items | $76,000 | 8,184 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $76,000 | 8,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,577 |
| Cash dividends | $17,000 | 6,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $76,000 | 8,147 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $414,000 | 8,782 |
| Total interest expense | $130,000 | 8,597 |
| Net interest income | $284,000 | 8,801 |
| Provision for loan and lease losses | $10,000 | 6,700 |
| Total noninterest income | $61,000 | 8,340 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $24,000 | 7,583 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $37,000 | 7,447 |
| Total noninterest expense | $325,000 | 8,773 |
| Salaries and employee benefits | $244,000 | 8,547 |
| Premises and equipment expense | $25,000 | 8,805 |
| Additional noninterest expense | $56,000 | 8,928 |
| Pre-tax net operating income | $10,000 | 8,433 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $2,000 | 7,080 |
| Income before extraordinary items | $8,000 | 8,473 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $8,000 | 8,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,796 |
| Cash dividends | $17,000 | 5,265 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $8,000 | 8,433 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $273,000 | 8,854 |
| Total interest expense | $89,000 | 8,642 |
| Net interest income | $184,000 | 8,875 |
| Provision for loan and lease losses | $10,000 | 6,364 |
| Total noninterest income | $41,000 | 8,369 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $14,000 | 7,676 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $27,000 | 7,377 |
| Total noninterest expense | $209,000 | 8,855 |
| Salaries and employee benefits | $161,000 | 8,615 |
| Premises and equipment expense | $16,000 | 8,866 |
| Additional noninterest expense | $32,000 | 9,006 |
| Pre-tax net operating income | $6,000 | 8,486 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $6,000 | 8,535 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,000 | 8,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $17,000 | 4,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $6,000 | 8,483 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $135,000 | 8,902 |
| Total interest expense | $46,000 | 8,676 |
| Net interest income | $89,000 | 8,925 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $20,000 | 8,411 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $7,000 | 7,665 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $13,000 | 7,451 |
| Total noninterest expense | $107,000 | 8,879 |
| Salaries and employee benefits | $81,000 | 8,637 |
| Premises and equipment expense | $9,000 | 8,833 |
| Additional noninterest expense | $17,000 | 9,037 |
| Pre-tax net operating income | $2,000 | 8,516 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-1,000 | 8,788 |
| Income before extraordinary items | $3,000 | 8,552 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $3,000 | 8,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $17,000 | 3,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $3,000 | 8,497 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $581,000 | 8,902 |
| Total interest expense | $215,000 | 8,702 |
| Net interest income | $366,000 | 8,942 |
| Provision for loan and lease losses | $10,000 | 7,370 |
| Total noninterest income | $137,000 | 7,938 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $30,000 | 7,718 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $107,000 | 6,421 |
| Total noninterest expense | $473,000 | 8,872 |
| Salaries and employee benefits | $337,000 | 8,635 |
| Premises and equipment expense | $43,000 | 8,865 |
| Additional noninterest expense | $93,000 | 9,030 |
| Pre-tax net operating income | $20,000 | 8,467 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $3,000 | 7,286 |
| Income before extraordinary items | $17,000 | 8,578 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $17,000 | 8,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $40,000 | 5,989 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $17,000 | 8,489 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $437,000 | 8,988 |
| Total interest expense | $167,000 | 8,792 |
| Net interest income | $270,000 | 9,027 |
| Provision for loan and lease losses | $10,000 | 7,100 |
| Total noninterest income | $113,000 | 7,860 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $22,000 | 7,794 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $91,000 | 6,249 |
| Total noninterest expense | $326,000 | 8,958 |
| Salaries and employee benefits | $243,000 | 8,688 |
| Premises and equipment expense | $27,000 | 8,976 |
| Additional noninterest expense | $56,000 | 9,122 |
| Pre-tax net operating income | $47,000 | 8,466 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-5,000 | 8,883 |
| Income before extraordinary items | $52,000 | 8,511 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $52,000 | 8,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $40,000 | 5,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $52,000 | 8,399 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $296,000 | 9,023 |
| Total interest expense | $116,000 | 8,835 |
| Net interest income | $180,000 | 9,064 |
| Provision for loan and lease losses | $10,000 | 6,790 |
| Total noninterest income | $93,000 | 7,516 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $14,000 | 7,828 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $79,000 | 5,734 |
| Total noninterest expense | $217,000 | 8,988 |
| Salaries and employee benefits | $165,000 | 8,693 |
| Premises and equipment expense | $17,000 | 9,006 |
| Additional noninterest expense | $35,000 | 9,172 |
| Pre-tax net operating income | $46,000 | 8,400 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-3,000 | 8,940 |
| Income before extraordinary items | $49,000 | 8,431 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $49,000 | 8,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $40,000 | 4,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $49,000 | 8,302 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $152,000 | 9,074 |
| Total interest expense | $60,000 | 8,881 |
| Net interest income | $92,000 | 9,097 |
| Provision for loan and lease losses | $10,000 | 6,044 |
| Total noninterest income | $20,000 | 8,615 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $6,000 | 7,883 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 7,447 |
| Total noninterest expense | $111,000 | 9,018 |
| Salaries and employee benefits | $88,000 | 8,659 |
| Premises and equipment expense | $9,000 | 9,017 |
| Additional noninterest expense | $14,000 | 9,245 |
| Pre-tax net operating income | $-9,000 | 8,760 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-2,000 | 8,998 |
| Income before extraordinary items | $-7,000 | 8,810 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-7,000 | 8,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $40,000 | 3,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-7,000 | 8,711 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $744,000 | 9,033 |
| Total interest expense | $299,000 | 8,891 |
| Net interest income | $445,000 | 9,056 |
| Provision for loan and lease losses | $30,000 | 7,191 |
| Total noninterest income | $81,000 | 8,632 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $33,000 | 7,810 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $48,000 | 7,649 |
| Total noninterest expense | $456,000 | 9,055 |
| Salaries and employee benefits | $323,000 | 8,808 |
| Premises and equipment expense | $43,000 | 9,009 |
| Additional noninterest expense | $90,000 | 9,202 |
| Pre-tax net operating income | $40,000 | 8,509 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-1,000 | 8,792 |
| Income before extraordinary items | $41,000 | 8,581 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $41,000 | 8,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 5,139 |
| Cash dividends | $25,000 | 6,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $41,000 | 8,501 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $934,000 | 9,199 |
| Total interest expense | $441,000 | 9,109 |
| Net interest income | $493,000 | 9,201 |
| Provision for loan and lease losses | $20,000 | 7,552 |
| Total noninterest income | $120,000 | 8,231 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $34,000 | 7,909 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $86,000 | 6,743 |
| Total noninterest expense | $563,000 | 9,028 |
| Salaries and employee benefits | $431,000 | 8,484 |
| Premises and equipment expense | $47,000 | 9,175 |
| Additional noninterest expense | $85,000 | 9,453 |
| Pre-tax net operating income | $30,000 | 8,611 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-20,000 | 9,057 |
| Income before extraordinary items | $50,000 | 8,605 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $50,000 | 8,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,658 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $50,000 | 8,510 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,081,000 | 9,337 |
| Total interest expense | $494,000 | 9,258 |
| Net interest income | $587,000 | 9,312 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $92,000 | 8,714 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 7,880 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 7,695 |
| Total noninterest expense | $576,000 | 9,174 |
| Salaries and employee benefits | $440,000 | 8,552 |
| Premises and equipment expense | $58,000 | 9,224 |
| Additional noninterest expense | $78,000 | 9,753 |
| Pre-tax net operating income | $-17,000 | 9,161 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $59,000 | 7,094 |
| Income before extraordinary items | $-76,000 | 9,239 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-76,000 | 9,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $10,000 | 6,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-76,000 | 9,235 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,058,000 | 9,555 |
| Total interest expense | $500,000 | 9,442 |
| Net interest income | $558,000 | 9,588 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $81,000 | 9,128 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 8,233 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 8,128 |
| Total noninterest expense | $573,000 | 9,405 |
| Salaries and employee benefits | $434,000 | 8,708 |
| Premises and equipment expense | $58,000 | 9,477 |
| Additional noninterest expense | $81,000 | 10,035 |
| Pre-tax net operating income | $66,000 | 9,190 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $42,000 | 7,769 |
| Income before extraordinary items | $24,000 | 9,353 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $24,000 | 9,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,395 |
| Cash dividends | $21,000 | 6,921 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $24,000 | 9,321 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,151,000 | 9,711 |
| Total interest expense | $540,000 | 9,608 |
| Net interest income | $611,000 | 9,710 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $107,000 | 8,900 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 8,551 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,213 |
| Total noninterest expense | $624,000 | 9,353 |
| Salaries and employee benefits | $450,000 | 8,654 |
| Premises and equipment expense | $61,000 | 9,545 |
| Additional noninterest expense | $113,000 | 10,022 |
| Pre-tax net operating income | $94,000 | 9,438 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $57,000 | 8,208 |
| Income before extraordinary items | $37,000 | 9,687 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $37,000 | 9,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $4,000 | 7,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $37,000 | 9,624 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,038,000 | 10,268 |
| Total interest expense | $465,000 | 10,184 |
| Net interest income | $573,000 | 10,236 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $79,000 | 9,779 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $31,000 | 8,897 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 8,525 |
| Total noninterest expense | $630,000 | 9,625 |
| Salaries and employee benefits | $485,000 | 8,709 |
| Premises and equipment expense | $67,000 | 9,785 |
| Additional noninterest expense | $78,000 | 10,710 |
| Pre-tax net operating income | $22,000 | 10,318 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $18,000 | 9,756 |
| Income before extraordinary items | $4,000 | 10,390 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,000 | 10,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,408 |
| Cash dividends | $50,000 | 7,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,000 | 10,353 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,016,000 | 10,789 |
| Total interest expense | $474,000 | 10,674 |
| Net interest income | $542,000 | 10,794 |
| Provision for loan and lease losses | $10,000 | 8,531 |
| Total noninterest income | $270,000 | 7,321 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $31,000 | 9,360 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $239,000 | 4,664 |
| Total noninterest expense | $687,000 | 9,854 |
| Salaries and employee benefits | $533,000 | 8,630 |
| Premises and equipment expense | $68,000 | 10,142 |
| Additional noninterest expense | $86,000 | 11,199 |
| Pre-tax net operating income | $115,000 | 10,294 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $49,000 | 9,705 |
| Income before extraordinary items | $66,000 | 10,485 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $66,000 | 10,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $20,000 | 8,044 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $66,000 | 10,438 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,055,000 | 11,190 |
| Total interest expense | $480,000 | 11,089 |
| Net interest income | $575,000 | 11,206 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $90,000 | 10,506 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $29,000 | 9,816 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 8,706 |
| Total noninterest expense | $619,000 | 10,497 |
| Salaries and employee benefits | $470,000 | 9,360 |
| Premises and equipment expense | $65,000 | 10,624 |
| Additional noninterest expense | $84,000 | 11,742 |
| Pre-tax net operating income | $46,000 | 11,321 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,000 | 11,102 |
| Income before extraordinary items | $45,000 | 11,312 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $45,000 | 11,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $347,000 | 4,227 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $45,000 | 11,279 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,010,000 | 11,690 |
| Total interest expense | $395,000 | 11,613 |
| Net interest income | $615,000 | 11,659 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $109,000 | 10,543 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $30,000 | 10,321 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 8,286 |
| Total noninterest expense | $656,000 | 10,888 |
| Salaries and employee benefits | $482,000 | 9,558 |
| Premises and equipment expense | $64,000 | 11,169 |
| Additional noninterest expense | $110,000 | 12,212 |
| Pre-tax net operating income | $68,000 | 11,814 |
| Securities gains (losses) | $-20,000 | 10,331 |
| Applicable income taxes | $1,000 | 11,577 |
| Income before extraordinary items | $47,000 | 11,825 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $47,000 | 11,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,524 |
| Cash dividends | $48,000 | 8,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $66,600 | 11,728 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,069,000 | 12,137 |
| Total interest expense | $430,000 | 12,073 |
| Net interest income | $639,000 | 12,074 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $85,000 | 11,694 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 10,569 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 10,096 |
| Total noninterest expense | $666,000 | 11,323 |
| Salaries and employee benefits | $450,000 | 10,148 |
| Premises and equipment expense | $66,000 | 11,648 |
| Additional noninterest expense | $150,000 | 12,427 |
| Pre-tax net operating income | $58,000 | 12,133 |
| Securities gains (losses) | $15,000 | 5,022 |
| Applicable income taxes | $25,000 | 11,496 |
| Income before extraordinary items | $48,000 | 12,268 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $48,000 | 12,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 9,724 |
| Cash dividends | $70,000 | 7,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $38,100 | 12,185 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,144,000 | 12,728 |
| Total interest expense | $548,000 | 12,539 |
| Net interest income | $596,000 | 12,716 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $93,000 | 11,911 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $34,000 | 10,924 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 9,852 |
| Total noninterest expense | $622,000 | 11,927 |
| Salaries and employee benefits | $425,000 | 10,584 |
| Premises and equipment expense | $68,000 | 11,957 |
| Additional noninterest expense | $129,000 | 13,221 |
| Pre-tax net operating income | $67,000 | 12,296 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $67,000 | 12,381 |
| Extraordinary gains, net | $-45,000 | 13,577 |
| Net income | $22,000 | 12,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 12,178 |
| Cash dividends | $69,000 | 7,264 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $67,000 | 12,093 |
* 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.