Home > Citizens Bank of Northern California > Income and Expense
Citizens Bank of Northern California, Income and Expense
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,832,000 | 2,079 |
| Total interest expense | $645,000 | 4,012 |
| Net interest income | $6,187,000 | 1,805 |
| Provision for loan and lease losses | $4,850,000 | 455 |
| Total noninterest income | $995,000 | 1,999 |
| 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 | $532,000 | 2,016 |
| Total noninterest expense | $7,100,000 | 1,395 |
| Salaries and employee benefits | $2,604,000 | 1,883 |
| Premises and equipment expense | $669,000 | 1,895 |
| Additional noninterest expense | $3,827,000 | 949 |
| Pre-tax net operating income | $-4,768,000 | 7,365 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-4,768,000 | 7,368 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-4,768,000 | 7,368 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-4,768,000 | 7,368 |
| Net charge-offs | $5,556,000 | 424 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-4,768,000 | 7,365 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,472,000 | 2,066 |
| Total interest expense | $335,000 | 4,026 |
| Net interest income | $3,137,000 | 1,782 |
| Provision for loan and lease losses | $1,800,000 | 559 |
| Total noninterest income | $579,000 | 1,799 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $230,000 | 1,544 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $349,000 | 1,735 |
| Total noninterest expense | $3,336,000 | 1,485 |
| Salaries and employee benefits | $1,367,000 | 1,810 |
| Premises and equipment expense | $336,000 | 1,925 |
| Additional noninterest expense | $1,633,000 | 1,092 |
| Pre-tax net operating income | $-1,420,000 | 7,341 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-1,420,000 | 7,356 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-1,420,000 | 7,357 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,420,000 | 7,357 |
| Net charge-offs | $1,498,000 | 650 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-1,420,000 | 7,354 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $16,649,000 | 1,817 |
| Total interest expense | $1,979,000 | 3,600 |
| Net interest income | $14,670,000 | 1,520 |
| Provision for loan and lease losses | $12,350,000 | 562 |
| Total noninterest income | $1,067,000 | 3,131 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,079,000 | 1,410 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-12,000 | 7,039 |
| Total noninterest expense | $11,017,000 | 1,787 |
| Salaries and employee benefits | $5,405,000 | 1,788 |
| Premises and equipment expense | $1,474,000 | 1,736 |
| Additional noninterest expense | $4,138,000 | 1,738 |
| Pre-tax net operating income | $-7,630,000 | 7,261 |
| Securities gains (losses) | $120,000 | 2,007 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-7,510,000 | 7,302 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-7,510,000 | 7,302 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-7,510,000 | 7,302 |
| Net charge-offs | $12,242,000 | 516 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-7,630,000 | 7,289 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $12,461,000 | 1,862 |
| Total interest expense | $1,537,000 | 3,646 |
| Net interest income | $10,924,000 | 1,551 |
| Provision for loan and lease losses | $7,900,000 | 606 |
| Total noninterest income | $580,000 | 3,758 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $823,000 | 1,427 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-243,000 | 7,478 |
| Total noninterest expense | $7,756,000 | 1,890 |
| Salaries and employee benefits | $4,015,000 | 1,828 |
| Premises and equipment expense | $1,129,000 | 1,732 |
| Additional noninterest expense | $2,612,000 | 1,980 |
| Pre-tax net operating income | $-4,152,000 | 7,308 |
| Securities gains (losses) | $120,000 | 1,792 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-4,032,000 | 7,363 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-4,032,000 | 7,363 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-4,032,000 | 7,364 |
| Net charge-offs | $7,801,000 | 568 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-4,152,000 | 7,348 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $8,462,000 | 1,851 |
| Total interest expense | $1,060,000 | 3,651 |
| Net interest income | $7,402,000 | 1,530 |
| Provision for loan and lease losses | $7,500,000 | 451 |
| Total noninterest income | $724,000 | 2,531 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $551,000 | 1,425 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $173,000 | 3,752 |
| Total noninterest expense | $4,829,000 | 2,022 |
| Salaries and employee benefits | $2,583,000 | 1,896 |
| Premises and equipment expense | $759,000 | 1,737 |
| Additional noninterest expense | $1,487,000 | 2,274 |
| Pre-tax net operating income | $-4,203,000 | 7,511 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-4,203,000 | 7,538 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-4,203,000 | 7,538 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-4,203,000 | 7,538 |
| Net charge-offs | $5,965,000 | 506 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-4,203,000 | 7,536 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,243,000 | 1,889 |
| Total interest expense | $573,000 | 3,551 |
| Net interest income | $3,670,000 | 1,567 |
| Provision for loan and lease losses | $600,000 | 1,610 |
| Total noninterest income | $575,000 | 1,830 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $266,000 | 1,470 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $309,000 | 1,805 |
| Total noninterest expense | $3,154,000 | 1,594 |
| Salaries and employee benefits | $1,472,000 | 1,700 |
| Premises and equipment expense | $406,000 | 1,666 |
| Additional noninterest expense | $1,276,000 | 1,396 |
| Pre-tax net operating income | $491,000 | 2,441 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $491,000 | 2,176 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $491,000 | 2,175 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $491,000 | 2,176 |
| Net charge-offs | $1,426,000 | 815 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $491,000 | 2,084 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $19,291,000 | 1,771 |
| Total interest expense | $3,701,000 | 2,917 |
| Net interest income | $15,590,000 | 1,427 |
| Provision for loan and lease losses | $11,115,000 | 790 |
| Total noninterest income | $1,642,000 | 2,420 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,089,000 | 1,555 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $553,000 | 3,034 |
| Total noninterest expense | $12,051,000 | 1,688 |
| Salaries and employee benefits | $4,866,000 | 2,020 |
| Premises and equipment expense | $1,579,000 | 1,711 |
| Additional noninterest expense | $5,606,000 | 1,337 |
| Pre-tax net operating income | $-5,934,000 | 7,267 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $6,568,000 | 225 |
| Income before extraordinary items | $-12,502,000 | 7,622 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-12,502,000 | 7,622 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-12,502,000 | 7,622 |
| Net charge-offs | $9,134,000 | 740 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 1,262 |
| Net operating income | $-12,502,000 | 7,627 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $14,258,000 | 1,827 |
| Total interest expense | $2,940,000 | 2,902 |
| Net interest income | $11,318,000 | 1,484 |
| Provision for loan and lease losses | $3,900,000 | 1,250 |
| Total noninterest income | $-218,000 | 7,955 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $818,000 | 1,558 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-1,036,000 | 8,020 |
| Total noninterest expense | $9,030,000 | 1,678 |
| Salaries and employee benefits | $3,490,000 | 2,129 |
| Premises and equipment expense | $1,184,000 | 1,736 |
| Additional noninterest expense | $4,356,000 | 1,264 |
| Pre-tax net operating income | $-1,830,000 | 6,988 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-739,000 | 7,466 |
| Income before extraordinary items | $-1,091,000 | 6,792 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,091,000 | 6,791 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,091,000 | 6,793 |
| Net charge-offs | $1,840,000 | 1,580 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 1,137 |
| Net operating income | $-1,091,000 | 6,788 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $9,607,000 | 1,834 |
| Total interest expense | $2,079,000 | 2,878 |
| Net interest income | $7,528,000 | 1,488 |
| Provision for loan and lease losses | $3,500,000 | 982 |
| Total noninterest income | $-755,000 | 8,121 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $549,000 | 1,523 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-1,304,000 | 8,139 |
| Total noninterest expense | $5,902,000 | 1,740 |
| Salaries and employee benefits | $2,301,000 | 2,188 |
| Premises and equipment expense | $777,000 | 1,783 |
| Additional noninterest expense | $2,824,000 | 1,314 |
| Pre-tax net operating income | $-2,629,000 | 7,513 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-1,062,000 | 7,768 |
| Income before extraordinary items | $-1,567,000 | 7,350 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,567,000 | 7,349 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,567,000 | 7,348 |
| Net charge-offs | $1,625,000 | 1,276 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 1,104 |
| Net operating income | $-1,567,000 | 7,349 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,809,000 | 1,854 |
| Total interest expense | $1,153,000 | 2,721 |
| Net interest income | $3,656,000 | 1,521 |
| Provision for loan and lease losses | $2,000,000 | 753 |
| Total noninterest income | $-1,002,000 | 8,218 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $285,000 | 1,439 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-1,287,000 | 8,227 |
| Total noninterest expense | $2,997,000 | 1,666 |
| Salaries and employee benefits | $1,318,000 | 1,952 |
| Premises and equipment expense | $401,000 | 1,765 |
| Additional noninterest expense | $1,278,000 | 1,291 |
| Pre-tax net operating income | $-2,343,000 | 7,874 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-946,000 | 7,991 |
| Income before extraordinary items | $-1,397,000 | 7,812 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,397,000 | 7,813 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,397,000 | 7,813 |
| Net charge-offs | $596,000 | 1,256 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 980 |
| Net operating income | $-1,397,000 | 7,801 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $22,031,000 | 1,751 |
| Total interest expense | $5,934,000 | 2,544 |
| Net interest income | $16,097,000 | 1,380 |
| Provision for loan and lease losses | $23,900,000 | 327 |
| Total noninterest income | $2,057,000 | 2,099 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,014,000 | 1,740 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,043,000 | 2,063 |
| Total noninterest expense | $11,535,000 | 1,693 |
| Salaries and employee benefits | $5,208,000 | 1,938 |
| Premises and equipment expense | $1,679,000 | 1,641 |
| Additional noninterest expense | $4,648,000 | 1,355 |
| Pre-tax net operating income | $-17,281,000 | 8,082 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-7,238,000 | 8,158 |
| Income before extraordinary items | $-10,043,000 | 8,000 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-10,043,000 | 8,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,413,000 | 303 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $78,000 | 1,034 |
| Net operating income | $-10,043,000 | 8,030 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $16,792,000 | 1,765 |
| Total interest expense | $4,539,000 | 2,593 |
| Net interest income | $12,253,000 | 1,378 |
| Provision for loan and lease losses | $3,000,000 | 903 |
| Total noninterest income | $1,632,000 | 2,081 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $731,000 | 1,810 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $901,000 | 1,963 |
| Total noninterest expense | $8,651,000 | 1,683 |
| Salaries and employee benefits | $4,058,000 | 1,907 |
| Premises and equipment expense | $1,254,000 | 1,665 |
| Additional noninterest expense | $3,339,000 | 1,347 |
| Pre-tax net operating income | $2,234,000 | 2,115 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $903,000 | 1,253 |
| Income before extraordinary items | $1,331,000 | 2,560 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,331,000 | 2,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,551,000 | 713 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 913 |
| Net operating income | $1,331,000 | 2,683 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $11,229,000 | 1,787 |
| Total interest expense | $3,165,000 | 2,583 |
| Net interest income | $8,064,000 | 1,379 |
| Provision for loan and lease losses | $1,600,000 | 907 |
| Total noninterest income | $1,115,000 | 2,067 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $467,000 | 1,850 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $648,000 | 1,897 |
| Total noninterest expense | $5,862,000 | 1,659 |
| Salaries and employee benefits | $2,888,000 | 1,805 |
| Premises and equipment expense | $826,000 | 1,676 |
| Additional noninterest expense | $2,148,000 | 1,370 |
| Pre-tax net operating income | $1,717,000 | 1,939 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $694,000 | 1,240 |
| Income before extraordinary items | $1,023,000 | 2,527 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,023,000 | 2,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,994,000 | 561 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 829 |
| Net operating income | $1,023,000 | 2,486 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,638,000 | 1,820 |
| Total interest expense | $1,695,000 | 2,591 |
| Net interest income | $3,943,000 | 1,408 |
| Provision for loan and lease losses | $650,000 | 846 |
| Total noninterest income | $542,000 | 2,114 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $228,000 | 1,856 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $314,000 | 1,921 |
| Total noninterest expense | $2,893,000 | 1,678 |
| Salaries and employee benefits | $1,476,000 | 1,784 |
| Premises and equipment expense | $420,000 | 1,648 |
| Additional noninterest expense | $997,000 | 1,439 |
| Pre-tax net operating income | $942,000 | 1,889 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $381,000 | 1,237 |
| Income before extraordinary items | $561,000 | 2,450 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $561,000 | 2,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,915,000 | 298 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 708 |
| Net operating income | $561,000 | 2,374 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $22,606,000 | 1,871 |
| Total interest expense | $7,089,000 | 2,594 |
| Net interest income | $15,517,000 | 1,449 |
| Provision for loan and lease losses | $945,000 | 1,478 |
| Total noninterest income | $2,111,000 | 2,137 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $850,000 | 2,027 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,261,000 | 1,897 |
| Total noninterest expense | $11,111,000 | 1,662 |
| Salaries and employee benefits | $5,975,000 | 1,681 |
| Premises and equipment expense | $1,661,000 | 1,603 |
| Additional noninterest expense | $3,475,000 | 1,595 |
| Pre-tax net operating income | $5,572,000 | 1,502 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,251,000 | 1,026 |
| Income before extraordinary items | $3,321,000 | 1,881 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,321,000 | 1,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $400,000 | 1,958 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $92,000 | 949 |
| Net operating income | $3,321,000 | 1,866 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $16,736,000 | 1,896 |
| Total interest expense | $5,167,000 | 2,661 |
| Net interest income | $11,569,000 | 1,466 |
| Provision for loan and lease losses | $270,000 | 2,452 |
| Total noninterest income | $1,569,000 | 2,145 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $625,000 | 2,035 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $944,000 | 1,904 |
| Total noninterest expense | $8,363,000 | 1,635 |
| Salaries and employee benefits | $4,543,000 | 1,664 |
| Premises and equipment expense | $1,249,000 | 1,593 |
| Additional noninterest expense | $2,571,000 | 1,574 |
| Pre-tax net operating income | $4,505,000 | 1,502 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,870,000 | 1,015 |
| Income before extraordinary items | $2,635,000 | 1,919 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,635,000 | 1,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,022 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $69,000 | 836 |
| Net operating income | $2,635,000 | 1,904 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,889,000 | 1,958 |
| Total interest expense | $3,298,000 | 2,759 |
| Net interest income | $7,591,000 | 1,517 |
| Provision for loan and lease losses | $270,000 | 1,691 |
| Total noninterest income | $1,067,000 | 2,142 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $407,000 | 2,081 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $660,000 | 1,853 |
| Total noninterest expense | $5,652,000 | 1,631 |
| Salaries and employee benefits | $3,115,000 | 1,647 |
| Premises and equipment expense | $826,000 | 1,619 |
| Additional noninterest expense | $1,711,000 | 1,580 |
| Pre-tax net operating income | $2,736,000 | 1,678 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,135,000 | 1,163 |
| Income before extraordinary items | $1,601,000 | 2,106 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,601,000 | 2,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 760 |
| Net operating income | $1,601,000 | 2,090 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,299,000 | 2,005 |
| Total interest expense | $1,548,000 | 2,903 |
| Net interest income | $3,751,000 | 1,531 |
| Provision for loan and lease losses | $50,000 | 3,068 |
| Total noninterest income | $441,000 | 2,396 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $209,000 | 1,981 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $232,000 | 2,329 |
| Total noninterest expense | $2,821,000 | 1,634 |
| Salaries and employee benefits | $1,548,000 | 1,685 |
| Premises and equipment expense | $419,000 | 1,598 |
| Additional noninterest expense | $854,000 | 1,563 |
| Pre-tax net operating income | $1,321,000 | 1,723 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $548,000 | 1,200 |
| Income before extraordinary items | $773,000 | 2,127 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $773,000 | 2,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 694 |
| Net operating income | $773,000 | 2,118 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $19,348,000 | 2,048 |
| Total interest expense | $4,788,000 | 3,139 |
| Net interest income | $14,560,000 | 1,577 |
| Provision for loan and lease losses | $560,000 | 1,724 |
| Total noninterest income | $1,602,000 | 2,589 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $783,000 | 2,150 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $819,000 | 2,553 |
| Total noninterest expense | $9,510,000 | 1,876 |
| Salaries and employee benefits | $4,949,000 | 1,967 |
| Premises and equipment expense | $1,311,000 | 1,921 |
| Additional noninterest expense | $3,250,000 | 1,620 |
| Pre-tax net operating income | $6,092,000 | 1,577 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,437,000 | 1,124 |
| Income before extraordinary items | $3,655,000 | 1,936 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,655,000 | 1,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,438 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $101,000 | 887 |
| Net operating income | $3,655,000 | 1,926 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,966,000 | 2,105 |
| Total interest expense | $3,280,000 | 3,268 |
| Net interest income | $10,686,000 | 1,625 |
| Provision for loan and lease losses | $450,000 | 1,514 |
| Total noninterest income | $1,152,000 | 2,670 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $564,000 | 2,241 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $588,000 | 2,604 |
| Total noninterest expense | $6,947,000 | 1,906 |
| Salaries and employee benefits | $3,534,000 | 2,072 |
| Premises and equipment expense | $944,000 | 2,001 |
| Additional noninterest expense | $2,469,000 | 1,591 |
| Pre-tax net operating income | $4,441,000 | 1,673 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,776,000 | 1,206 |
| Income before extraordinary items | $2,665,000 | 2,030 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,665,000 | 2,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,547 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,665,000 | 2,027 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,850,000 | 2,166 |
| Total interest expense | $1,952,000 | 3,453 |
| Net interest income | $6,898,000 | 1,673 |
| Provision for loan and lease losses | $290,000 | 1,568 |
| Total noninterest income | $708,000 | 2,814 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $355,000 | 2,324 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $353,000 | 2,746 |
| Total noninterest expense | $4,342,000 | 2,023 |
| Salaries and employee benefits | $2,174,000 | 2,262 |
| Premises and equipment expense | $576,000 | 2,159 |
| Additional noninterest expense | $1,592,000 | 1,659 |
| Pre-tax net operating income | $2,974,000 | 1,668 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,189,000 | 1,209 |
| Income before extraordinary items | $1,785,000 | 2,023 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,785,000 | 2,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,785,000 | 2,011 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,248,000 | 2,209 |
| Total interest expense | $836,000 | 3,705 |
| Net interest income | $3,412,000 | 1,691 |
| Provision for loan and lease losses | $35,000 | 3,693 |
| Total noninterest income | $360,000 | 2,720 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $167,000 | 2,379 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $193,000 | 2,549 |
| Total noninterest expense | $2,087,000 | 2,117 |
| Salaries and employee benefits | $1,055,000 | 2,338 |
| Premises and equipment expense | $261,000 | 2,387 |
| Additional noninterest expense | $771,000 | 1,696 |
| Pre-tax net operating income | $1,650,000 | 1,502 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $660,000 | 1,098 |
| Income before extraordinary items | $990,000 | 1,808 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $990,000 | 1,808 |
| 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 | $990,000 | 1,796 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,307,000 | 2,482 |
| Total interest expense | $1,529,000 | 5,184 |
| Net interest income | $11,778,000 | 1,869 |
| Provision for loan and lease losses | $845,000 | 1,203 |
| Total noninterest income | $1,278,000 | 2,992 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $645,000 | 2,516 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $633,000 | 2,961 |
| Total noninterest expense | $7,432,000 | 2,252 |
| Salaries and employee benefits | $3,694,000 | 2,477 |
| Premises and equipment expense | $911,000 | 2,569 |
| Additional noninterest expense | $2,827,000 | 1,782 |
| Pre-tax net operating income | $4,779,000 | 1,934 |
| Securities gains (losses) | $-24,000 | 7,910 |
| Applicable income taxes | $1,902,000 | 1,425 |
| Income before extraordinary items | $2,853,000 | 2,346 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,853,000 | 2,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,898 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,868,360 | 2,305 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,385,000 | 2,566 |
| Total interest expense | $990,000 | 5,464 |
| Net interest income | $8,395,000 | 1,969 |
| Provision for loan and lease losses | $680,000 | 1,095 |
| Total noninterest income | $998,000 | 2,913 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $487,000 | 2,488 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $511,000 | 2,844 |
| Total noninterest expense | $5,506,000 | 2,262 |
| Salaries and employee benefits | $2,725,000 | 2,475 |
| Premises and equipment expense | $624,000 | 2,774 |
| Additional noninterest expense | $2,157,000 | 1,729 |
| Pre-tax net operating income | $3,207,000 | 2,121 |
| Securities gains (losses) | $-24,000 | 8,251 |
| Applicable income taxes | $1,273,000 | 1,572 |
| Income before extraordinary items | $1,910,000 | 2,571 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,910,000 | 2,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,271 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,925,360 | 2,528 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,848,000 | 2,660 |
| Total interest expense | $544,000 | 5,823 |
| Net interest income | $5,304,000 | 2,052 |
| Provision for loan and lease losses | $470,000 | 1,030 |
| Total noninterest income | $666,000 | 2,879 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $322,000 | 2,477 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $344,000 | 2,808 |
| Total noninterest expense | $3,638,000 | 2,258 |
| Salaries and employee benefits | $1,787,000 | 2,498 |
| Premises and equipment expense | $415,000 | 2,747 |
| Additional noninterest expense | $1,436,000 | 1,719 |
| Pre-tax net operating income | $1,862,000 | 2,315 |
| Securities gains (losses) | $-24,000 | 8,417 |
| Applicable income taxes | $735,000 | 1,734 |
| Income before extraordinary items | $1,103,000 | 2,870 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,103,000 | 2,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,599 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,118,360 | 2,789 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,723,000 | 2,793 |
| Total interest expense | $216,000 | 6,342 |
| Net interest income | $2,507,000 | 2,154 |
| Provision for loan and lease losses | $170,000 | 1,280 |
| Total noninterest income | $314,000 | 2,961 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $162,000 | 2,403 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $152,000 | 2,953 |
| Total noninterest expense | $1,846,000 | 2,246 |
| Salaries and employee benefits | $945,000 | 2,399 |
| Premises and equipment expense | $202,000 | 2,861 |
| Additional noninterest expense | $699,000 | 1,771 |
| Pre-tax net operating income | $805,000 | 2,555 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $322,000 | 1,885 |
| Income before extraordinary items | $483,000 | 3,130 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $483,000 | 3,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $483,000 | 3,091 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,035,000 | 3,084 |
| Total interest expense | $562,000 | 7,088 |
| Net interest income | $8,473,000 | 2,410 |
| Provision for loan and lease losses | $700,000 | 1,457 |
| Total noninterest income | $1,307,000 | 2,944 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $681,000 | 2,435 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $626,000 | 2,911 |
| Total noninterest expense | $5,913,000 | 2,690 |
| Salaries and employee benefits | $2,784,000 | 3,046 |
| Premises and equipment expense | $653,000 | 3,310 |
| Additional noninterest expense | $2,476,000 | 1,969 |
| Pre-tax net operating income | $3,167,000 | 2,470 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,194,000 | 1,906 |
| Income before extraordinary items | $1,973,000 | 2,952 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,973,000 | 2,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,149 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,973,000 | 2,893 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,481,000 | 3,179 |
| Total interest expense | $395,000 | 7,226 |
| Net interest income | $6,086,000 | 2,492 |
| Provision for loan and lease losses | $500,000 | 1,450 |
| Total noninterest income | $961,000 | 3,012 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $513,000 | 2,438 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $448,000 | 2,992 |
| Total noninterest expense | $4,261,000 | 2,766 |
| Salaries and employee benefits | $1,990,000 | 3,143 |
| Premises and equipment expense | $457,000 | 3,504 |
| Additional noninterest expense | $1,814,000 | 1,981 |
| Pre-tax net operating income | $2,286,000 | 2,575 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $800,000 | 2,101 |
| Income before extraordinary items | $1,486,000 | 2,975 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,486,000 | 2,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,478 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,486,000 | 2,894 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,110,000 | 3,316 |
| Total interest expense | $256,000 | 7,347 |
| Net interest income | $3,854,000 | 2,573 |
| Provision for loan and lease losses | $310,000 | 1,489 |
| Total noninterest income | $630,000 | 3,062 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $337,000 | 2,472 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $293,000 | 3,029 |
| Total noninterest expense | $2,760,000 | 2,833 |
| Salaries and employee benefits | $1,280,000 | 3,267 |
| Premises and equipment expense | $325,000 | 3,329 |
| Additional noninterest expense | $1,155,000 | 2,097 |
| Pre-tax net operating income | $1,414,000 | 2,707 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $495,000 | 2,222 |
| Income before extraordinary items | $919,000 | 3,149 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $919,000 | 3,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,880 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $919,000 | 3,062 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,959,000 | 3,447 |
| Total interest expense | $128,000 | 7,392 |
| Net interest income | $1,831,000 | 2,709 |
| Provision for loan and lease losses | $115,000 | 1,912 |
| Total noninterest income | $335,000 | 2,877 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $173,000 | 2,365 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $162,000 | 2,805 |
| Total noninterest expense | $1,463,000 | 2,693 |
| Salaries and employee benefits | $645,000 | 3,246 |
| Premises and equipment expense | $170,000 | 3,240 |
| Additional noninterest expense | $648,000 | 1,827 |
| Pre-tax net operating income | $588,000 | 3,125 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $206,000 | 2,530 |
| Income before extraordinary items | $382,000 | 3,629 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $382,000 | 3,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $382,000 | 3,511 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,532,000 | 4,034 |
| Total interest expense | $529,000 | 7,646 |
| Net interest income | $6,003,000 | 3,187 |
| Provision for loan and lease losses | $300,000 | 3,140 |
| Total noninterest income | $1,627,000 | 2,661 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $670,000 | 2,456 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $957,000 | 2,456 |
| Total noninterest expense | $5,698,000 | 2,723 |
| Salaries and employee benefits | $2,681,000 | 3,073 |
| Premises and equipment expense | $765,000 | 2,864 |
| Additional noninterest expense | $2,252,000 | 2,134 |
| Pre-tax net operating income | $1,632,000 | 3,899 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $519,000 | 3,308 |
| Income before extraordinary items | $1,113,000 | 4,331 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,113,000 | 4,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,344 |
| Cash dividends | $50,000 | 5,907 |
| Sale, conversion, retirement of capital stock, net | $64,000 | 704 |
| Net operating income | $1,113,000 | 4,166 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,746,000 | 4,193 |
| Total interest expense | $407,000 | 7,740 |
| Net interest income | $4,339,000 | 3,302 |
| Provision for loan and lease losses | $168,000 | 3,708 |
| Total noninterest income | $1,289,000 | 2,628 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $500,000 | 2,473 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $789,000 | 2,386 |
| Total noninterest expense | $4,336,000 | 2,684 |
| Salaries and employee benefits | $2,113,000 | 2,943 |
| Premises and equipment expense | $575,000 | 2,873 |
| Additional noninterest expense | $1,648,000 | 2,174 |
| Pre-tax net operating income | $1,124,000 | 4,259 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $393,000 | 3,448 |
| Income before extraordinary items | $731,000 | 4,869 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $731,000 | 4,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $50,000 | 5,093 |
| Sale, conversion, retirement of capital stock, net | $64,000 | 539 |
| Net operating income | $731,000 | 4,677 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,075,000 | 4,328 |
| Total interest expense | $269,000 | 7,869 |
| Net interest income | $2,806,000 | 3,375 |
| Provision for loan and lease losses | $115,000 | 3,633 |
| Total noninterest income | $856,000 | 2,620 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $325,000 | 2,495 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $531,000 | 2,366 |
| Total noninterest expense | $2,842,000 | 2,730 |
| Salaries and employee benefits | $1,400,000 | 2,964 |
| Premises and equipment expense | $374,000 | 2,925 |
| Additional noninterest expense | $1,068,000 | 2,226 |
| Pre-tax net operating income | $705,000 | 4,405 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $247,000 | 3,573 |
| Income before extraordinary items | $458,000 | 5,032 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $458,000 | 5,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,718 |
| Cash dividends | $50,000 | 4,732 |
| Sale, conversion, retirement of capital stock, net | $64,000 | 412 |
| Net operating income | $458,000 | 4,828 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,519,000 | 4,388 |
| Total interest expense | $132,000 | 8,006 |
| Net interest income | $1,387,000 | 3,385 |
| Provision for loan and lease losses | $43,000 | 4,044 |
| Total noninterest income | $401,000 | 2,672 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $144,000 | 2,659 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $257,000 | 2,327 |
| Total noninterest expense | $1,370,000 | 2,803 |
| Salaries and employee benefits | $696,000 | 2,975 |
| Premises and equipment expense | $191,000 | 2,867 |
| Additional noninterest expense | $483,000 | 2,406 |
| Pre-tax net operating income | $375,000 | 4,203 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $131,000 | 3,466 |
| Income before extraordinary items | $244,000 | 4,778 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $244,000 | 4,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,799 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 270 |
| Net operating income | $244,000 | 4,582 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,536,000 | 4,816 |
| Total interest expense | $630,000 | 8,003 |
| Net interest income | $4,906,000 | 3,728 |
| Provision for loan and lease losses | $315,000 | 3,321 |
| Total noninterest income | $1,405,000 | 2,744 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $526,000 | 2,849 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $879,000 | 2,358 |
| Total noninterest expense | $4,838,000 | 3,011 |
| Salaries and employee benefits | $2,433,000 | 3,186 |
| Premises and equipment expense | $686,000 | 3,049 |
| Additional noninterest expense | $1,719,000 | 2,642 |
| Pre-tax net operating income | $1,158,000 | 4,811 |
| Securities gains (losses) | $68,000 | 2,124 |
| Applicable income taxes | $368,000 | 4,056 |
| Income before extraordinary items | $858,000 | 5,015 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $858,000 | 5,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,852 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $115,000 | 626 |
| Net operating income | $810,400 | 5,030 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,495,000 | 5,296 |
| Total interest expense | $1,061,000 | 7,899 |
| Net interest income | $4,434,000 | 3,814 |
| Provision for loan and lease losses | $131,000 | 5,041 |
| Total noninterest income | $935,000 | 3,493 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $364,000 | 3,663 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $571,000 | 2,916 |
| Total noninterest expense | $4,233,000 | 3,254 |
| Salaries and employee benefits | $2,222,000 | 3,293 |
| Premises and equipment expense | $798,000 | 2,635 |
| Additional noninterest expense | $1,213,000 | 3,464 |
| Pre-tax net operating income | $996,000 | 4,912 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $348,000 | 3,993 |
| Income before extraordinary items | $648,000 | 5,420 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $648,000 | 5,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,674 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $175,000 | 593 |
| Net operating income | $648,000 | 5,296 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,451,000 | 5,424 |
| Total interest expense | $975,000 | 8,275 |
| Net interest income | $4,476,000 | 3,816 |
| Provision for loan and lease losses | $83,000 | 5,704 |
| Total noninterest income | $839,000 | 3,548 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $323,000 | 3,838 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $516,000 | 2,902 |
| Total noninterest expense | $3,747,000 | 3,506 |
| Salaries and employee benefits | $1,951,000 | 3,546 |
| Premises and equipment expense | $674,000 | 2,962 |
| Additional noninterest expense | $1,122,000 | 3,644 |
| Pre-tax net operating income | $1,485,000 | 4,092 |
| Securities gains (losses) | $4,000 | 1,432 |
| Applicable income taxes | $537,000 | 3,333 |
| Income before extraordinary items | $952,000 | 4,525 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $952,000 | 4,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $295,000 | 598 |
| Net operating income | $949,440 | 4,531 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,462,000 | 5,969 |
| Total interest expense | $787,000 | 8,713 |
| Net interest income | $3,675,000 | 4,489 |
| Provision for loan and lease losses | $169,000 | 3,994 |
| Total noninterest income | $460,000 | 5,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $297,000 | 4,029 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 5,408 |
| Total noninterest expense | $2,849,000 | 4,398 |
| Salaries and employee benefits | $1,352,000 | 4,717 |
| Premises and equipment expense | $571,000 | 3,405 |
| Additional noninterest expense | $926,000 | 4,277 |
| Pre-tax net operating income | $1,117,000 | 4,984 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $464,000 | 3,780 |
| Income before extraordinary items | $651,000 | 5,666 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $651,000 | 5,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,102 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 829 |
| Net operating income | $652,280 | 5,631 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,936,000 | 6,532 |
| Total interest expense | $807,000 | 8,920 |
| Net interest income | $3,129,000 | 4,989 |
| Provision for loan and lease losses | $126,000 | 4,520 |
| Total noninterest income | $420,000 | 5,462 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $238,000 | 4,659 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $182,000 | 5,208 |
| Total noninterest expense | $2,601,000 | 4,635 |
| Salaries and employee benefits | $1,352,000 | 4,620 |
| Premises and equipment expense | $489,000 | 3,771 |
| Additional noninterest expense | $760,000 | 4,848 |
| Pre-tax net operating income | $822,000 | 6,004 |
| Securities gains (losses) | $27,000 | 2,200 |
| Applicable income taxes | $338,000 | 4,859 |
| Income before extraordinary items | $511,000 | 6,548 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $511,000 | 6,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,233 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $116,000 | 746 |
| Net operating income | $493,720 | 6,531 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,118,000 | 7,612 |
| Total interest expense | $702,000 | 9,535 |
| Net interest income | $2,416,000 | 6,187 |
| Provision for loan and lease losses | $229,000 | 3,163 |
| Total noninterest income | $146,000 | 8,659 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 6,474 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 10,305 |
| Total noninterest expense | $1,849,000 | 5,975 |
| Salaries and employee benefits | $873,000 | 6,420 |
| Premises and equipment expense | $393,000 | 4,504 |
| Additional noninterest expense | $583,000 | 5,918 |
| Pre-tax net operating income | $484,000 | 8,009 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $484,000 | 7,073 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $484,000 | 7,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,371 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 891 |
| Net operating income | $484,000 | 7,024 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,673,000 | 9,846 |
| Total interest expense | $351,000 | 10,982 |
| Net interest income | $1,322,000 | 8,710 |
| Provision for loan and lease losses | $138,000 | 4,289 |
| Total noninterest income | $65,000 | 10,584 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $58,000 | 8,618 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 11,116 |
| Total noninterest expense | $1,337,000 | 7,553 |
| Salaries and employee benefits | $652,000 | 7,837 |
| Premises and equipment expense | $309,000 | 5,469 |
| Additional noninterest expense | $376,000 | 8,093 |
| Pre-tax net operating income | $-88,000 | 10,945 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-59,000 | 11,093 |
| Income before extraordinary items | $-29,000 | 10,890 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-29,000 | 10,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-29,000 | 10,847 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $726,000 | 11,604 |
| Total interest expense | $142,000 | 11,821 |
| Net interest income | $584,000 | 11,168 |
| Provision for loan and lease losses | $107,000 | 4,462 |
| Total noninterest income | $24,000 | 11,737 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $20,000 | 10,011 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 11,796 |
| Total noninterest expense | $1,065,000 | 8,700 |
| Salaries and employee benefits | $422,000 | 9,770 |
| Premises and equipment expense | $180,000 | 7,598 |
| Additional noninterest expense | $463,000 | 7,577 |
| Pre-tax net operating income | $-564,000 | 11,811 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $2,000 | 11,074 |
| Income before extraordinary items | $-566,000 | 11,811 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-566,000 | 11,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $5,127,000 | 94 |
| Net operating income | $-566,000 | 11,801 |
* 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.