Home > Citizens Bank of Northern Kentucky, Inc. > Income and Expense
Citizens Bank of Northern Kentucky, Inc., Income and Expense
| 2016-12-31 (YTD Data) | Rank | |
| Total interest income | $8,555,000 | 2,725 |
| Total interest expense | $822,000 | 2,772 |
| Net interest income | $7,733,000 | 2,692 |
| Provision for loan and lease losses | $-289,000 | 5,674 |
| Total noninterest income | $2,279,000 | 1,953 |
| Gross Fiduciary activities income | $239,000 | 713 |
| Service charges on deposit accounts | $561,000 | 1,908 |
| Trading account gains and fees | $0 | 170 |
| Additional Noninterest Income | $1,479,000 | 1,905 |
| Total noninterest expense | $9,336,000 | 2,028 |
| Salaries and employee benefits | $3,937,000 | 2,527 |
| Premises and equipment expense | $1,216,000 | 1,840 |
| Additional noninterest expense | $4,183,000 | 1,470 |
| Pre-tax net operating income | $965,000 | 4,120 |
| Securities gains (losses) | $559,000 | 393 |
| Applicable income taxes | $335,000 | 2,570 |
| Income before extraordinary items | $1,189,000 | 3,651 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $1,189,000 | 3,649 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,189,000 | 3,650 |
| Net charge-offs | $79,000 | 2,802 |
| Cash dividends | $2,300,000 | 1,260 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 739 |
| Net operating income | $752,980 | 4,210 |
| 2016-09-30 (YTD Data) | Rank | |
| Total interest income | $6,505,000 | 2,691 |
| Total interest expense | $738,000 | 2,444 |
| Net interest income | $5,767,000 | 2,707 |
| Provision for loan and lease losses | $-424,000 | 5,831 |
| Total noninterest income | $1,811,000 | 1,895 |
| Gross Fiduciary activities income | $174,000 | 711 |
| Service charges on deposit accounts | $414,000 | 1,928 |
| Trading account gains and fees | $0 | 169 |
| Additional Noninterest Income | $1,223,000 | 1,790 |
| Total noninterest expense | $7,188,000 | 1,993 |
| Salaries and employee benefits | $2,884,000 | 2,558 |
| Premises and equipment expense | $919,000 | 1,839 |
| Additional noninterest expense | $3,385,000 | 1,371 |
| Pre-tax net operating income | $814,000 | 4,007 |
| Securities gains (losses) | $555,000 | 352 |
| Applicable income taxes | $316,000 | 2,459 |
| Income before extraordinary items | $1,053,000 | 3,410 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $1,053,000 | 3,408 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $1,053,000 | 3,410 |
| Net charge-offs | $74,000 | 2,304 |
| Cash dividends | $1,500,000 | 1,263 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 701 |
| Net operating income | $625,650 | 4,118 |
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $4,366,000 | 2,691 |
| Total interest expense | $518,000 | 2,376 |
| Net interest income | $3,848,000 | 2,709 |
| Provision for loan and lease losses | $-295,000 | 5,924 |
| Total noninterest income | $1,061,000 | 2,026 |
| Gross Fiduciary activities income | $112,000 | 725 |
| Service charges on deposit accounts | $258,000 | 2,018 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $691,000 | 1,964 |
| Total noninterest expense | $4,373,000 | 2,139 |
| Salaries and employee benefits | $1,911,000 | 2,588 |
| Premises and equipment expense | $589,000 | 1,895 |
| Additional noninterest expense | $1,873,000 | 1,626 |
| Pre-tax net operating income | $831,000 | 3,398 |
| Securities gains (losses) | $-8,000 | 5,884 |
| Applicable income taxes | $177,000 | 2,591 |
| Income before extraordinary items | $646,000 | 3,546 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $646,000 | 3,542 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $646,000 | 3,544 |
| Net charge-offs | $75,000 | 1,862 |
| Cash dividends | $1,500,000 | 943 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 682 |
| Net operating income | $652,240 | 3,470 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $2,182,000 | 2,699 |
| Total interest expense | $265,000 | 2,350 |
| Net interest income | $1,917,000 | 2,710 |
| Provision for loan and lease losses | $-48,000 | 5,954 |
| Total noninterest income | $462,000 | 2,173 |
| Gross Fiduciary activities income | $53,000 | 732 |
| Service charges on deposit accounts | $120,000 | 2,125 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $289,000 | 2,128 |
| Total noninterest expense | $2,140,000 | 2,199 |
| Salaries and employee benefits | $977,000 | 2,559 |
| Premises and equipment expense | $300,000 | 1,879 |
| Additional noninterest expense | $863,000 | 1,737 |
| Pre-tax net operating income | $287,000 | 3,927 |
| Securities gains (losses) | $-5,000 | 5,931 |
| Applicable income taxes | $50,000 | 2,979 |
| Income before extraordinary items | $232,000 | 4,037 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $232,000 | 4,034 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $232,000 | 4,035 |
| Net charge-offs | $64,000 | 1,283 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 640 |
| Net operating income | $236,100 | 3,953 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $9,038,000 | 2,588 |
| Total interest expense | $1,066,000 | 2,315 |
| Net interest income | $7,972,000 | 2,606 |
| Provision for loan and lease losses | $-112,000 | 5,755 |
| Total noninterest income | $2,160,000 | 2,016 |
| Gross Fiduciary activities income | $262,000 | 710 |
| Service charges on deposit accounts | $514,000 | 2,094 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $1,384,000 | 1,953 |
| Total noninterest expense | $8,914,000 | 2,104 |
| Salaries and employee benefits | $3,956,000 | 2,523 |
| Premises and equipment expense | $1,192,000 | 1,905 |
| Additional noninterest expense | $3,766,000 | 1,612 |
| Pre-tax net operating income | $1,330,000 | 3,688 |
| Securities gains (losses) | $129,000 | 1,010 |
| Applicable income taxes | $267,000 | 2,757 |
| Income before extraordinary items | $1,192,000 | 3,642 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,192,000 | 3,641 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,192,000 | 3,643 |
| Net charge-offs | $49,000 | 3,261 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 779 |
| Net operating income | $1,086,220 | 3,741 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $6,801,000 | 2,597 |
| Total interest expense | $806,000 | 2,329 |
| Net interest income | $5,995,000 | 2,613 |
| Provision for loan and lease losses | $47,000 | 3,314 |
| Total noninterest income | $1,674,000 | 1,985 |
| Gross Fiduciary activities income | $206,000 | 708 |
| Service charges on deposit accounts | $386,000 | 2,093 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,082,000 | 1,922 |
| Total noninterest expense | $6,731,000 | 2,090 |
| Salaries and employee benefits | $2,996,000 | 2,500 |
| Premises and equipment expense | $894,000 | 1,922 |
| Additional noninterest expense | $2,841,000 | 1,600 |
| Pre-tax net operating income | $891,000 | 3,928 |
| Securities gains (losses) | $129,000 | 875 |
| Applicable income taxes | $153,000 | 3,007 |
| Income before extraordinary items | $867,000 | 3,746 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $867,000 | 3,745 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $867,000 | 3,746 |
| Net charge-offs | $38,000 | 2,972 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 741 |
| Net operating income | $757,350 | 3,921 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $4,448,000 | 2,641 |
| Total interest expense | $536,000 | 2,343 |
| Net interest income | $3,912,000 | 2,659 |
| Provision for loan and lease losses | $205,000 | 1,467 |
| Total noninterest income | $1,047,000 | 2,078 |
| Gross Fiduciary activities income | $142,000 | 713 |
| Service charges on deposit accounts | $243,000 | 2,164 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $662,000 | 2,037 |
| Total noninterest expense | $4,481,000 | 2,107 |
| Salaries and employee benefits | $2,011,000 | 2,504 |
| Premises and equipment expense | $599,000 | 1,917 |
| Additional noninterest expense | $1,871,000 | 1,634 |
| Pre-tax net operating income | $273,000 | 4,968 |
| Securities gains (losses) | $129,000 | 712 |
| Applicable income taxes | $17,000 | 3,906 |
| Income before extraordinary items | $385,000 | 4,342 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $385,000 | 4,345 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $385,000 | 4,345 |
| Net charge-offs | $28,000 | 2,730 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 6,274 |
| Net operating income | $261,160 | 4,799 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $2,217,000 | 2,650 |
| Total interest expense | $268,000 | 2,367 |
| Net interest income | $1,949,000 | 2,668 |
| Provision for loan and lease losses | $-54,000 | 6,165 |
| Total noninterest income | $553,000 | 1,982 |
| Gross Fiduciary activities income | $75,000 | 697 |
| Service charges on deposit accounts | $116,000 | 2,233 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $362,000 | 1,879 |
| Total noninterest expense | $2,213,000 | 2,135 |
| Salaries and employee benefits | $1,016,000 | 2,490 |
| Premises and equipment expense | $304,000 | 1,907 |
| Additional noninterest expense | $893,000 | 1,685 |
| Pre-tax net operating income | $343,000 | 3,664 |
| Securities gains (losses) | $129,000 | 497 |
| Applicable income taxes | $101,000 | 2,435 |
| Income before extraordinary items | $371,000 | 3,265 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $371,000 | 3,268 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $371,000 | 3,268 |
| Net charge-offs | $28,000 | 1,930 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 676 |
| Net operating income | $269,090 | 3,756 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $9,465,000 | 2,531 |
| Total interest expense | $1,206,000 | 2,255 |
| Net interest income | $8,259,000 | 2,550 |
| Provision for loan and lease losses | $875,000 | 969 |
| Total noninterest income | $1,553,000 | 2,457 |
| Gross Fiduciary activities income | $256,000 | 733 |
| Service charges on deposit accounts | $601,000 | 1,959 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $696,000 | 2,830 |
| Total noninterest expense | $9,031,000 | 2,087 |
| Salaries and employee benefits | $3,818,000 | 2,595 |
| Premises and equipment expense | $1,138,000 | 2,012 |
| Additional noninterest expense | $4,075,000 | 1,534 |
| Pre-tax net operating income | $-94,000 | 6,159 |
| Securities gains (losses) | $-6,000 | 5,976 |
| Applicable income taxes | $-217,000 | 6,315 |
| Income before extraordinary items | $117,000 | 5,846 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $117,000 | 5,846 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $117,000 | 5,847 |
| Net charge-offs | $784,000 | 1,081 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 838 |
| Net operating income | $120,840 | 5,807 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $7,201,000 | 2,512 |
| Total interest expense | $936,000 | 2,221 |
| Net interest income | $6,265,000 | 2,546 |
| Provision for loan and lease losses | $1,218,000 | 550 |
| Total noninterest income | $1,168,000 | 2,485 |
| Gross Fiduciary activities income | $188,000 | 734 |
| Service charges on deposit accounts | $468,000 | 1,908 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $512,000 | 2,872 |
| Total noninterest expense | $6,547,000 | 2,164 |
| Salaries and employee benefits | $2,869,000 | 2,593 |
| Premises and equipment expense | $872,000 | 1,995 |
| Additional noninterest expense | $2,806,000 | 1,663 |
| Pre-tax net operating income | $-332,000 | 6,352 |
| Securities gains (losses) | $-6,000 | 6,083 |
| Applicable income taxes | $-193,000 | 6,457 |
| Income before extraordinary items | $-145,000 | 6,302 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-145,000 | 6,302 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $-145,000 | 6,302 |
| Net charge-offs | $793,000 | 809 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 789 |
| Net operating income | $-141,160 | 6,293 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $4,812,000 | 2,501 |
| Total interest expense | $636,000 | 2,219 |
| Net interest income | $4,176,000 | 2,531 |
| Provision for loan and lease losses | $877,000 | 512 |
| Total noninterest income | $713,000 | 2,575 |
| Gross Fiduciary activities income | $123,000 | 738 |
| Service charges on deposit accounts | $314,000 | 1,879 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $276,000 | 3,156 |
| Total noninterest expense | $4,117,000 | 2,282 |
| Salaries and employee benefits | $1,820,000 | 2,711 |
| Premises and equipment expense | $588,000 | 1,981 |
| Additional noninterest expense | $1,709,000 | 1,796 |
| Pre-tax net operating income | $-105,000 | 6,340 |
| Securities gains (losses) | $-6,000 | 6,233 |
| Applicable income taxes | $-59,000 | 6,479 |
| Income before extraordinary items | $-52,000 | 6,301 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-52,000 | 6,303 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $-52,000 | 6,303 |
| Net charge-offs | $777,000 | 616 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 760 |
| Net operating income | $-48,160 | 6,281 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $2,442,000 | 2,458 |
| Total interest expense | $326,000 | 2,203 |
| Net interest income | $2,116,000 | 2,498 |
| Provision for loan and lease losses | $819,000 | 297 |
| Total noninterest income | $352,000 | 2,568 |
| Gross Fiduciary activities income | $65,000 | 734 |
| Service charges on deposit accounts | $157,000 | 1,864 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $130,000 | 3,181 |
| Total noninterest expense | $2,042,000 | 2,294 |
| Salaries and employee benefits | $911,000 | 2,727 |
| Premises and equipment expense | $297,000 | 1,999 |
| Additional noninterest expense | $834,000 | 1,823 |
| Pre-tax net operating income | $-393,000 | 6,606 |
| Securities gains (losses) | $4,000 | 1,399 |
| Applicable income taxes | $-170,000 | 6,659 |
| Income before extraordinary items | $-219,000 | 6,544 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-219,000 | 6,544 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $-219,000 | 6,544 |
| Net charge-offs | $754,000 | 364 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 714 |
| Net operating income | $-221,560 | 6,549 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $10,152,000 | 2,389 |
| Total interest expense | $1,471,000 | 2,204 |
| Net interest income | $8,681,000 | 2,420 |
| Provision for loan and lease losses | $-80,000 | 6,358 |
| Total noninterest income | $449,000 | 4,569 |
| Gross Fiduciary activities income | $220,000 | 765 |
| Service charges on deposit accounts | $642,000 | 1,955 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $-413,000 | 6,721 |
| Total noninterest expense | $8,159,000 | 2,294 |
| Salaries and employee benefits | $3,738,000 | 2,643 |
| Premises and equipment expense | $1,077,000 | 2,103 |
| Additional noninterest expense | $3,344,000 | 1,895 |
| Pre-tax net operating income | $1,051,000 | 4,002 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $153,000 | 3,136 |
| Income before extraordinary items | $898,000 | 4,087 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $898,000 | 4,090 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $898,000 | 4,090 |
| Net charge-offs | $95,000 | 3,789 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 886 |
| Net operating income | $898,000 | 4,034 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $7,656,000 | 2,391 |
| Total interest expense | $1,125,000 | 2,222 |
| Net interest income | $6,531,000 | 2,423 |
| Provision for loan and lease losses | $92,000 | 3,436 |
| Total noninterest income | $529,000 | 3,922 |
| Gross Fiduciary activities income | $161,000 | 762 |
| Service charges on deposit accounts | $457,000 | 2,040 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $-89,000 | 6,730 |
| Total noninterest expense | $6,064,000 | 2,327 |
| Salaries and employee benefits | $2,711,000 | 2,726 |
| Premises and equipment expense | $819,000 | 2,103 |
| Additional noninterest expense | $2,534,000 | 1,866 |
| Pre-tax net operating income | $904,000 | 3,854 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $148,000 | 3,030 |
| Income before extraordinary items | $756,000 | 3,924 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $756,000 | 3,926 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $756,000 | 3,927 |
| Net charge-offs | $60,000 | 3,716 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 828 |
| Net operating income | $756,000 | 3,856 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $5,120,000 | 2,383 |
| Total interest expense | $750,000 | 2,276 |
| Net interest income | $4,370,000 | 2,404 |
| Provision for loan and lease losses | $-100,000 | 6,679 |
| Total noninterest income | $584,000 | 3,029 |
| Gross Fiduciary activities income | $103,000 | 771 |
| Service charges on deposit accounts | $294,000 | 2,070 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $187,000 | 3,894 |
| Total noninterest expense | $4,017,000 | 2,338 |
| Salaries and employee benefits | $1,753,000 | 2,824 |
| Premises and equipment expense | $546,000 | 2,098 |
| Additional noninterest expense | $1,718,000 | 1,839 |
| Pre-tax net operating income | $1,037,000 | 2,826 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $254,000 | 2,196 |
| Income before extraordinary items | $783,000 | 3,110 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $783,000 | 3,112 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $783,000 | 3,113 |
| Net charge-offs | $48,000 | 3,385 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 802 |
| Net operating income | $783,000 | 3,020 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,548,000 | 2,418 |
| Total interest expense | $374,000 | 2,336 |
| Net interest income | $2,174,000 | 2,424 |
| Provision for loan and lease losses | $-113,000 | 6,855 |
| Total noninterest income | $251,000 | 3,264 |
| Gross Fiduciary activities income | $50,000 | 781 |
| Service charges on deposit accounts | $145,000 | 2,082 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $56,000 | 4,565 |
| Total noninterest expense | $1,978,000 | 2,391 |
| Salaries and employee benefits | $869,000 | 2,856 |
| Premises and equipment expense | $276,000 | 2,115 |
| Additional noninterest expense | $833,000 | 1,880 |
| Pre-tax net operating income | $560,000 | 2,672 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $145,000 | 2,017 |
| Income before extraordinary items | $415,000 | 2,961 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $415,000 | 2,961 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $415,000 | 2,963 |
| Net charge-offs | $57,000 | 2,329 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 761 |
| Net operating income | $415,000 | 2,878 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $10,541,000 | 2,443 |
| Total interest expense | $2,101,000 | 2,055 |
| Net interest income | $8,440,000 | 2,546 |
| Provision for loan and lease losses | $-96,000 | 6,880 |
| Total noninterest income | $1,870,000 | 2,291 |
| Gross Fiduciary activities income | $194,000 | 794 |
| Service charges on deposit accounts | $591,000 | 2,184 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $1,085,000 | 2,272 |
| Total noninterest expense | $8,405,000 | 2,245 |
| Salaries and employee benefits | $3,395,000 | 2,868 |
| Premises and equipment expense | $1,059,000 | 2,170 |
| Additional noninterest expense | $3,951,000 | 1,687 |
| Pre-tax net operating income | $2,001,000 | 2,807 |
| Securities gains (losses) | $56,000 | 2,652 |
| Applicable income taxes | $536,000 | 2,117 |
| Income before extraordinary items | $1,521,000 | 3,105 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,521,000 | 3,104 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,521,000 | 3,104 |
| Net charge-offs | $360,000 | 3,068 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 955 |
| Net operating income | $1,479,560 | 3,017 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $7,954,000 | 2,476 |
| Total interest expense | $1,671,000 | 2,040 |
| Net interest income | $6,283,000 | 2,601 |
| Provision for loan and lease losses | $109,000 | 4,276 |
| Total noninterest income | $1,461,000 | 2,213 |
| Gross Fiduciary activities income | $145,000 | 788 |
| Service charges on deposit accounts | $436,000 | 2,237 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $880,000 | 2,159 |
| Total noninterest expense | $6,370,000 | 2,244 |
| Salaries and employee benefits | $2,528,000 | 2,894 |
| Premises and equipment expense | $828,000 | 2,106 |
| Additional noninterest expense | $3,014,000 | 1,667 |
| Pre-tax net operating income | $1,265,000 | 3,199 |
| Securities gains (losses) | $56,000 | 2,372 |
| Applicable income taxes | $345,000 | 2,328 |
| Income before extraordinary items | $976,000 | 3,480 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $976,000 | 3,480 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $976,000 | 3,482 |
| Net charge-offs | $338,000 | 2,689 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 909 |
| Net operating income | $934,560 | 3,412 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $5,342,000 | 2,473 |
| Total interest expense | $1,146,000 | 2,047 |
| Net interest income | $4,196,000 | 2,596 |
| Provision for loan and lease losses | $266,000 | 2,604 |
| Total noninterest income | $886,000 | 2,339 |
| Gross Fiduciary activities income | $96,000 | 796 |
| Service charges on deposit accounts | $291,000 | 2,216 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $499,000 | 2,330 |
| Total noninterest expense | $4,233,000 | 2,258 |
| Salaries and employee benefits | $1,688,000 | 2,891 |
| Premises and equipment expense | $557,000 | 2,082 |
| Additional noninterest expense | $1,988,000 | 1,681 |
| Pre-tax net operating income | $583,000 | 3,844 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $129,000 | 2,855 |
| Income before extraordinary items | $454,000 | 4,148 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $454,000 | 4,152 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $454,000 | 4,152 |
| Net charge-offs | $329,000 | 2,218 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 894 |
| Net operating income | $454,000 | 3,954 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,678,000 | 2,504 |
| Total interest expense | $598,000 | 2,038 |
| Net interest income | $2,080,000 | 2,625 |
| Provision for loan and lease losses | $83,000 | 3,104 |
| Total noninterest income | $422,000 | 2,405 |
| Gross Fiduciary activities income | $46,000 | 815 |
| Service charges on deposit accounts | $142,000 | 2,239 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $234,000 | 2,427 |
| Total noninterest expense | $2,107,000 | 2,260 |
| Salaries and employee benefits | $844,000 | 2,898 |
| Premises and equipment expense | $283,000 | 2,074 |
| Additional noninterest expense | $980,000 | 1,697 |
| Pre-tax net operating income | $312,000 | 3,766 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $60,000 | 2,896 |
| Income before extraordinary items | $252,000 | 3,969 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $252,000 | 3,972 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $252,000 | 3,971 |
| Net charge-offs | $112,000 | 2,348 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 833 |
| Net operating income | $252,000 | 3,811 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $11,119,000 | 2,512 |
| Total interest expense | $2,751,000 | 2,113 |
| Net interest income | $8,368,000 | 2,616 |
| Provision for loan and lease losses | $713,000 | 2,919 |
| Total noninterest income | $1,193,000 | 2,809 |
| Gross Fiduciary activities income | $195,000 | 747 |
| Service charges on deposit accounts | $644,000 | 2,124 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $354,000 | 3,617 |
| Total noninterest expense | $7,913,000 | 2,395 |
| Salaries and employee benefits | $3,110,000 | 3,023 |
| Premises and equipment expense | $1,034,000 | 2,352 |
| Additional noninterest expense | $3,769,000 | 1,786 |
| Pre-tax net operating income | $935,000 | 3,846 |
| Securities gains (losses) | $57,000 | 2,497 |
| Applicable income taxes | $244,000 | 2,716 |
| Income before extraordinary items | $748,000 | 4,050 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $748,000 | 4,055 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $748,000 | 4,054 |
| Net charge-offs | $949,000 | 2,425 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,049 |
| Net operating income | $705,250 | 4,015 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $8,399,000 | 2,518 |
| Total interest expense | $2,109,000 | 2,153 |
| Net interest income | $6,290,000 | 2,613 |
| Provision for loan and lease losses | $405,000 | 3,191 |
| Total noninterest income | $1,382,000 | 2,126 |
| Gross Fiduciary activities income | $148,000 | 737 |
| Service charges on deposit accounts | $493,000 | 2,101 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $741,000 | 2,149 |
| Total noninterest expense | $5,985,000 | 2,386 |
| Salaries and employee benefits | $2,312,000 | 3,058 |
| Premises and equipment expense | $806,000 | 2,285 |
| Additional noninterest expense | $2,867,000 | 1,770 |
| Pre-tax net operating income | $1,282,000 | 2,876 |
| Securities gains (losses) | $-759,000 | 7,372 |
| Applicable income taxes | $120,000 | 3,072 |
| Income before extraordinary items | $403,000 | 4,648 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $403,000 | 4,649 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $403,000 | 4,649 |
| Net charge-offs | $580,000 | 2,509 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 962 |
| Net operating income | $987,430 | 2,994 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,637,000 | 2,521 |
| Total interest expense | $1,425,000 | 2,202 |
| Net interest income | $4,212,000 | 2,619 |
| Provision for loan and lease losses | $37,000 | 5,336 |
| Total noninterest income | $677,000 | 2,597 |
| Gross Fiduciary activities income | $100,000 | 751 |
| Service charges on deposit accounts | $312,000 | 2,169 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $265,000 | 3,071 |
| Total noninterest expense | $3,990,000 | 2,410 |
| Salaries and employee benefits | $1,554,000 | 3,056 |
| Premises and equipment expense | $538,000 | 2,296 |
| Additional noninterest expense | $1,898,000 | 1,803 |
| Pre-tax net operating income | $862,000 | 2,786 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $286,000 | 1,846 |
| Income before extraordinary items | $576,000 | 3,270 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $576,000 | 3,271 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $576,000 | 3,271 |
| Net charge-offs | $98,000 | 3,861 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 914 |
| Net operating income | $576,000 | 3,185 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,838,000 | 2,513 |
| Total interest expense | $715,000 | 2,269 |
| Net interest income | $2,123,000 | 2,586 |
| Provision for loan and lease losses | $73,000 | 3,818 |
| Total noninterest income | $357,000 | 2,534 |
| Gross Fiduciary activities income | $50,000 | 757 |
| Service charges on deposit accounts | $153,000 | 2,167 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $154,000 | 2,854 |
| Total noninterest expense | $1,923,000 | 2,497 |
| Salaries and employee benefits | $762,000 | 3,118 |
| Premises and equipment expense | $274,000 | 2,297 |
| Additional noninterest expense | $887,000 | 1,907 |
| Pre-tax net operating income | $484,000 | 2,617 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $205,000 | 1,483 |
| Income before extraordinary items | $279,000 | 3,373 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $279,000 | 3,370 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $279,000 | 3,371 |
| Net charge-offs | $73,000 | 3,036 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 861 |
| Net operating income | $279,000 | 3,322 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $12,590,000 | 2,385 |
| Total interest expense | $4,048,000 | 1,975 |
| Net interest income | $8,542,000 | 2,565 |
| Provision for loan and lease losses | $911,000 | 3,195 |
| Total noninterest income | $2,016,000 | 2,067 |
| Gross Fiduciary activities income | $184,000 | 780 |
| Service charges on deposit accounts | $789,000 | 1,857 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,043,000 | 2,129 |
| Total noninterest expense | $8,208,000 | 2,358 |
| Salaries and employee benefits | $3,093,000 | 3,027 |
| Premises and equipment expense | $1,094,000 | 2,291 |
| Additional noninterest expense | $4,021,000 | 1,794 |
| Pre-tax net operating income | $1,439,000 | 2,785 |
| Securities gains (losses) | $629,000 | 728 |
| Applicable income taxes | $578,000 | 1,752 |
| Income before extraordinary items | $1,490,000 | 2,524 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,490,000 | 2,521 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,490,000 | 2,526 |
| Net charge-offs | $886,000 | 2,857 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,191 |
| Net operating income | $1,037,120 | 3,028 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $9,672,000 | 2,389 |
| Total interest expense | $3,207,000 | 1,947 |
| Net interest income | $6,465,000 | 2,580 |
| Provision for loan and lease losses | $304,000 | 4,300 |
| Total noninterest income | $1,492,000 | 2,093 |
| Gross Fiduciary activities income | $139,000 | 767 |
| Service charges on deposit accounts | $607,000 | 1,865 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $746,000 | 2,171 |
| Total noninterest expense | $6,228,000 | 2,335 |
| Salaries and employee benefits | $2,355,000 | 3,019 |
| Premises and equipment expense | $830,000 | 2,322 |
| Additional noninterest expense | $3,043,000 | 1,748 |
| Pre-tax net operating income | $1,425,000 | 2,472 |
| Securities gains (losses) | $629,000 | 610 |
| Applicable income taxes | $587,000 | 1,493 |
| Income before extraordinary items | $1,467,000 | 2,186 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,467,000 | 2,187 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,467,000 | 2,189 |
| Net charge-offs | $285,000 | 3,796 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,090 |
| Net operating income | $1,020,410 | 2,716 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,554,000 | 2,370 |
| Total interest expense | $2,253,000 | 1,925 |
| Net interest income | $4,301,000 | 2,575 |
| Provision for loan and lease losses | $259,000 | 3,846 |
| Total noninterest income | $914,000 | 2,167 |
| Gross Fiduciary activities income | $91,000 | 774 |
| Service charges on deposit accounts | $384,000 | 1,962 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $439,000 | 2,281 |
| Total noninterest expense | $4,205,000 | 2,297 |
| Salaries and employee benefits | $1,614,000 | 2,950 |
| Premises and equipment expense | $561,000 | 2,296 |
| Additional noninterest expense | $2,030,000 | 1,743 |
| Pre-tax net operating income | $751,000 | 2,902 |
| Securities gains (losses) | $629,000 | 389 |
| Applicable income taxes | $419,000 | 1,404 |
| Income before extraordinary items | $961,000 | 2,188 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $961,000 | 2,187 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $961,000 | 2,190 |
| Net charge-offs | $253,000 | 3,267 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,022 |
| Net operating income | $520,700 | 3,229 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,308,000 | 2,410 |
| Total interest expense | $1,169,000 | 1,958 |
| Net interest income | $2,139,000 | 2,624 |
| Provision for loan and lease losses | $225,000 | 2,809 |
| Total noninterest income | $439,000 | 2,224 |
| Gross Fiduciary activities income | $46,000 | 785 |
| Service charges on deposit accounts | $170,000 | 2,132 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $223,000 | 2,237 |
| Total noninterest expense | $2,040,000 | 2,404 |
| Salaries and employee benefits | $804,000 | 3,007 |
| Premises and equipment expense | $283,000 | 2,324 |
| Additional noninterest expense | $953,000 | 1,821 |
| Pre-tax net operating income | $313,000 | 3,291 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $78,000 | 2,365 |
| Income before extraordinary items | $235,000 | 3,600 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $235,000 | 3,597 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $235,000 | 3,599 |
| Net charge-offs | $227,000 | 2,295 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 972 |
| Net operating income | $235,000 | 3,476 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $13,681,000 | 2,443 |
| Total interest expense | $5,320,000 | 2,138 |
| Net interest income | $8,361,000 | 2,613 |
| Provision for loan and lease losses | $2,542,000 | 2,159 |
| Total noninterest income | $1,779,000 | 2,299 |
| Gross Fiduciary activities income | $188,000 | 773 |
| Service charges on deposit accounts | $669,000 | 2,331 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $922,000 | 2,246 |
| Total noninterest expense | $28,862,000 | 732 |
| Salaries and employee benefits | $3,286,000 | 2,952 |
| Premises and equipment expense | $1,205,000 | 2,207 |
| Additional noninterest expense | $24,371,000 | 379 |
| Pre-tax net operating income | $-21,264,000 | 7,727 |
| Securities gains (losses) | $23,000 | 2,986 |
| Applicable income taxes | $-313,000 | 6,879 |
| Income before extraordinary items | $-20,928,000 | 7,747 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-20,928,000 | 7,746 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-20,928,000 | 7,746 |
| Net charge-offs | $1,423,000 | 2,438 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 1,295 |
| Net operating income | $-20,950,770 | 7,751 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,278,000 | 2,479 |
| Total interest expense | $4,054,000 | 2,195 |
| Net interest income | $6,224,000 | 2,638 |
| Provision for loan and lease losses | $267,000 | 4,781 |
| Total noninterest income | $1,351,000 | 2,332 |
| Gross Fiduciary activities income | $141,000 | 766 |
| Service charges on deposit accounts | $488,000 | 2,404 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $722,000 | 2,253 |
| Total noninterest expense | $6,179,000 | 2,398 |
| Salaries and employee benefits | $2,454,000 | 2,990 |
| Premises and equipment expense | $916,000 | 2,206 |
| Additional noninterest expense | $2,809,000 | 1,889 |
| Pre-tax net operating income | $1,129,000 | 2,526 |
| Securities gains (losses) | $15,000 | 2,847 |
| Applicable income taxes | $361,000 | 1,737 |
| Income before extraordinary items | $783,000 | 2,898 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $783,000 | 2,896 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $783,000 | 2,899 |
| Net charge-offs | $234,000 | 4,060 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,205 |
| Net operating income | $772,800 | 2,860 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,804,000 | 2,525 |
| Total interest expense | $2,713,000 | 2,264 |
| Net interest income | $4,091,000 | 2,655 |
| Provision for loan and lease losses | $154,000 | 4,712 |
| Total noninterest income | $935,000 | 2,288 |
| Gross Fiduciary activities income | $95,000 | 776 |
| Service charges on deposit accounts | $318,000 | 2,427 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $522,000 | 2,161 |
| Total noninterest expense | $4,211,000 | 2,374 |
| Salaries and employee benefits | $1,625,000 | 3,036 |
| Premises and equipment expense | $616,000 | 2,213 |
| Additional noninterest expense | $1,970,000 | 1,828 |
| Pre-tax net operating income | $661,000 | 2,860 |
| Securities gains (losses) | $15,000 | 2,438 |
| Applicable income taxes | $215,000 | 1,885 |
| Income before extraordinary items | $461,000 | 3,253 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $461,000 | 3,248 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $461,000 | 3,251 |
| Net charge-offs | $137,000 | 3,877 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,157 |
| Net operating income | $450,800 | 3,172 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,414,000 | 2,547 |
| Total interest expense | $1,366,000 | 2,332 |
| Net interest income | $2,048,000 | 2,647 |
| Provision for loan and lease losses | $52,000 | 4,857 |
| Total noninterest income | $510,000 | 2,111 |
| Gross Fiduciary activities income | $49,000 | 777 |
| Service charges on deposit accounts | $148,000 | 2,502 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $313,000 | 1,896 |
| Total noninterest expense | $2,043,000 | 2,377 |
| Salaries and employee benefits | $812,000 | 3,067 |
| Premises and equipment expense | $308,000 | 2,251 |
| Additional noninterest expense | $923,000 | 1,753 |
| Pre-tax net operating income | $463,000 | 2,517 |
| Securities gains (losses) | $7,000 | 2,001 |
| Applicable income taxes | $165,000 | 1,645 |
| Income before extraordinary items | $305,000 | 3,100 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $305,000 | 3,101 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $305,000 | 3,101 |
| Net charge-offs | $5,000 | 5,094 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,034 |
| Net operating income | $300,450 | 2,974 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,596,000 | 2,533 |
| Total interest expense | $6,629,000 | 2,300 |
| Net interest income | $7,967,000 | 2,718 |
| Provision for loan and lease losses | $1,193,000 | 2,463 |
| Total noninterest income | $1,588,000 | 2,519 |
| Gross Fiduciary activities income | $197,000 | 782 |
| Service charges on deposit accounts | $666,000 | 2,445 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $725,000 | 2,597 |
| Total noninterest expense | $8,170,000 | 2,337 |
| Salaries and employee benefits | $3,252,000 | 3,035 |
| Premises and equipment expense | $1,238,000 | 2,179 |
| Additional noninterest expense | $3,680,000 | 1,676 |
| Pre-tax net operating income | $192,000 | 5,776 |
| Securities gains (losses) | $91,000 | 1,201 |
| Applicable income taxes | $84,000 | 3,524 |
| Income before extraordinary items | $199,000 | 5,487 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $199,000 | 5,485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $615,000 | 2,518 |
| Cash dividends | $464,000 | 3,482 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,339 |
| Net operating income | $135,300 | 5,888 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,067,000 | 2,559 |
| Total interest expense | $5,072,000 | 2,356 |
| Net interest income | $5,995,000 | 2,726 |
| Provision for loan and lease losses | $880,000 | 1,983 |
| Total noninterest income | $1,230,000 | 2,533 |
| Gross Fiduciary activities income | $145,000 | 790 |
| Service charges on deposit accounts | $511,000 | 2,413 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $574,000 | 2,595 |
| Total noninterest expense | $6,022,000 | 2,359 |
| Salaries and employee benefits | $2,433,000 | 3,064 |
| Premises and equipment expense | $877,000 | 2,307 |
| Additional noninterest expense | $2,712,000 | 1,648 |
| Pre-tax net operating income | $323,000 | 5,558 |
| Securities gains (losses) | $81,000 | 1,096 |
| Applicable income taxes | $139,000 | 3,300 |
| Income before extraordinary items | $265,000 | 5,376 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $265,000 | 5,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $538,000 | 1,884 |
| Cash dividends | $150,000 | 4,104 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,190 |
| Net operating income | $211,540 | 5,817 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,430,000 | 2,570 |
| Total interest expense | $3,450,000 | 2,401 |
| Net interest income | $3,980,000 | 2,716 |
| Provision for loan and lease losses | $140,000 | 3,766 |
| Total noninterest income | $788,000 | 2,634 |
| Gross Fiduciary activities income | $94,000 | 817 |
| Service charges on deposit accounts | $341,000 | 2,397 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $353,000 | 2,767 |
| Total noninterest expense | $4,023,000 | 2,367 |
| Salaries and employee benefits | $1,654,000 | 3,049 |
| Premises and equipment expense | $580,000 | 2,335 |
| Additional noninterest expense | $1,789,000 | 1,650 |
| Pre-tax net operating income | $605,000 | 4,005 |
| Securities gains (losses) | $81,000 | 1,114 |
| Applicable income taxes | $241,000 | 2,474 |
| Income before extraordinary items | $445,000 | 4,259 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $445,000 | 4,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 2,239 |
| Cash dividends | $150,000 | 3,727 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,106 |
| Net operating income | $392,350 | 4,456 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,760,000 | 2,607 |
| Total interest expense | $1,797,000 | 2,453 |
| Net interest income | $1,963,000 | 2,749 |
| Provision for loan and lease losses | $90,000 | 2,858 |
| Total noninterest income | $433,000 | 2,460 |
| Gross Fiduciary activities income | $45,000 | 824 |
| Service charges on deposit accounts | $235,000 | 1,807 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $153,000 | 2,999 |
| Total noninterest expense | $2,032,000 | 2,332 |
| Salaries and employee benefits | $815,000 | 3,114 |
| Premises and equipment expense | $293,000 | 2,313 |
| Additional noninterest expense | $924,000 | 1,553 |
| Pre-tax net operating income | $274,000 | 4,355 |
| Securities gains (losses) | $81,000 | 822 |
| Applicable income taxes | $127,000 | 2,519 |
| Income before extraordinary items | $228,000 | 4,397 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $228,000 | 4,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 1,582 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 964 |
| Net operating income | $176,160 | 4,824 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,622,000 | 2,752 |
| Total interest expense | $6,983,000 | 2,636 |
| Net interest income | $7,639,000 | 2,855 |
| Provision for loan and lease losses | $382,000 | 2,767 |
| Total noninterest income | $1,626,000 | 2,565 |
| Gross Fiduciary activities income | $169,000 | 834 |
| Service charges on deposit accounts | $918,000 | 1,899 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $539,000 | 3,181 |
| Total noninterest expense | $8,502,000 | 2,161 |
| Salaries and employee benefits | $3,477,000 | 2,817 |
| Premises and equipment expense | $1,178,000 | 2,205 |
| Additional noninterest expense | $3,847,000 | 1,444 |
| Pre-tax net operating income | $381,000 | 6,334 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $5,000 | 5,774 |
| Income before extraordinary items | $376,000 | 6,134 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $376,000 | 6,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $238,000 | 2,607 |
| Cash dividends | $819,000 | 2,923 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,266 |
| Net operating income | $376,000 | 6,120 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,897,000 | 2,762 |
| Total interest expense | $5,250,000 | 2,615 |
| Net interest income | $5,647,000 | 2,899 |
| Provision for loan and lease losses | $145,000 | 3,535 |
| Total noninterest income | $1,184,000 | 2,608 |
| Gross Fiduciary activities income | $117,000 | 845 |
| Service charges on deposit accounts | $673,000 | 1,919 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $394,000 | 3,235 |
| Total noninterest expense | $6,276,000 | 2,167 |
| Salaries and employee benefits | $2,549,000 | 2,866 |
| Premises and equipment expense | $868,000 | 2,234 |
| Additional noninterest expense | $2,859,000 | 1,409 |
| Pre-tax net operating income | $410,000 | 6,124 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $64,000 | 4,784 |
| Income before extraordinary items | $346,000 | 6,071 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $346,000 | 6,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 1,722 |
| Cash dividends | $418,000 | 3,184 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,116 |
| Net operating income | $346,000 | 6,057 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,215,000 | 2,793 |
| Total interest expense | $3,545,000 | 2,588 |
| Net interest income | $3,670,000 | 2,996 |
| Provision for loan and lease losses | $125,000 | 2,906 |
| Total noninterest income | $794,000 | 2,613 |
| Gross Fiduciary activities income | $77,000 | 858 |
| Service charges on deposit accounts | $416,000 | 2,043 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $301,000 | 3,005 |
| Total noninterest expense | $4,223,000 | 2,169 |
| Salaries and employee benefits | $1,735,000 | 2,855 |
| Premises and equipment expense | $582,000 | 2,217 |
| Additional noninterest expense | $1,906,000 | 1,425 |
| Pre-tax net operating income | $116,000 | 7,161 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $9,000 | 5,709 |
| Income before extraordinary items | $107,000 | 7,069 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $107,000 | 7,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 1,418 |
| Cash dividends | $418,000 | 2,701 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,018 |
| Net operating income | $107,000 | 7,058 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,548,000 | 2,827 |
| Total interest expense | $1,824,000 | 2,507 |
| Net interest income | $1,724,000 | 3,152 |
| Provision for loan and lease losses | $91,000 | 2,141 |
| Total noninterest income | $362,000 | 2,751 |
| Gross Fiduciary activities income | $37,000 | 875 |
| Service charges on deposit accounts | $129,000 | 2,922 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $196,000 | 2,580 |
| Total noninterest expense | $2,066,000 | 2,236 |
| Salaries and employee benefits | $857,000 | 2,896 |
| Premises and equipment expense | $286,000 | 2,281 |
| Additional noninterest expense | $923,000 | 1,452 |
| Pre-tax net operating income | $-71,000 | 8,083 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-4,000 | 8,209 |
| Income before extraordinary items | $-67,000 | 8,100 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-67,000 | 8,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 1,280 |
| Cash dividends | $418,000 | 1,619 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 868 |
| Net operating income | $-67,000 | 8,089 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,110,000 | 2,866 |
| Total interest expense | $5,898,000 | 2,639 |
| Net interest income | $7,212,000 | 3,023 |
| Provision for loan and lease losses | $-89,000 | 8,451 |
| Total noninterest income | $1,525,000 | 2,671 |
| Gross Fiduciary activities income | $136,000 | 883 |
| Service charges on deposit accounts | $683,000 | 2,429 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $706,000 | 2,751 |
| Total noninterest expense | $7,919,000 | 2,232 |
| Salaries and employee benefits | $3,302,000 | 2,878 |
| Premises and equipment expense | $900,000 | 2,719 |
| Additional noninterest expense | $3,717,000 | 1,425 |
| Pre-tax net operating income | $907,000 | 5,406 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $217,000 | 4,210 |
| Income before extraordinary items | $690,000 | 5,546 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $690,000 | 5,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,834 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,199 |
| Net operating income | $690,000 | 5,534 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,645,000 | 2,896 |
| Total interest expense | $4,188,000 | 2,670 |
| Net interest income | $5,457,000 | 3,036 |
| Provision for loan and lease losses | $-82,000 | 8,562 |
| Total noninterest income | $1,156,000 | 2,661 |
| Gross Fiduciary activities income | $78,000 | 917 |
| Service charges on deposit accounts | $536,000 | 2,343 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $542,000 | 2,735 |
| Total noninterest expense | $5,682,000 | 2,326 |
| Salaries and employee benefits | $2,345,000 | 3,009 |
| Premises and equipment expense | $616,000 | 2,934 |
| Additional noninterest expense | $2,721,000 | 1,456 |
| Pre-tax net operating income | $1,013,000 | 4,687 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $276,000 | 3,691 |
| Income before extraordinary items | $737,000 | 4,898 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $737,000 | 4,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,107 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,012 |
| Net operating income | $737,000 | 4,886 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,288,000 | 2,909 |
| Total interest expense | $2,653,000 | 2,685 |
| Net interest income | $3,635,000 | 3,042 |
| Provision for loan and lease losses | $-3,000 | 8,479 |
| Total noninterest income | $739,000 | 2,734 |
| Gross Fiduciary activities income | $52,000 | 939 |
| Service charges on deposit accounts | $362,000 | 2,281 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $325,000 | 2,871 |
| Total noninterest expense | $3,699,000 | 2,387 |
| Salaries and employee benefits | $1,531,000 | 3,068 |
| Premises and equipment expense | $414,000 | 2,913 |
| Additional noninterest expense | $1,754,000 | 1,517 |
| Pre-tax net operating income | $678,000 | 4,702 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $189,000 | 3,686 |
| Income before extraordinary items | $489,000 | 4,935 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $489,000 | 4,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,463 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 851 |
| Net operating income | $489,000 | 4,927 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,065,000 | 2,913 |
| Total interest expense | $1,253,000 | 2,713 |
| Net interest income | $1,812,000 | 3,041 |
| Provision for loan and lease losses | $2,000 | 5,907 |
| Total noninterest income | $353,000 | 2,765 |
| Gross Fiduciary activities income | $24,000 | 958 |
| Service charges on deposit accounts | $171,000 | 2,326 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $158,000 | 2,884 |
| Total noninterest expense | $1,860,000 | 2,380 |
| Salaries and employee benefits | $782,000 | 3,040 |
| Premises and equipment expense | $206,000 | 2,949 |
| Additional noninterest expense | $872,000 | 1,506 |
| Pre-tax net operating income | $303,000 | 4,947 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $84,000 | 3,828 |
| Income before extraordinary items | $219,000 | 5,131 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $219,000 | 5,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 629 |
| Net operating income | $219,000 | 5,123 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $808,000 | 8,476 |
| Total interest expense | $334,000 | 8,100 |
| Net interest income | $474,000 | 8,556 |
| Provision for loan and lease losses | $15,000 | 6,626 |
| Total noninterest income | $94,000 | 7,998 |
| Gross Fiduciary activities income | $2,000 | 1,452 |
| Service charges on deposit accounts | $49,000 | 7,103 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $43,000 | 7,546 |
| Total noninterest expense | $466,000 | 8,606 |
| Salaries and employee benefits | $191,000 | 8,697 |
| Premises and equipment expense | $61,000 | 8,335 |
| Additional noninterest expense | $214,000 | 8,139 |
| Pre-tax net operating income | $87,000 | 8,030 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $21,000 | 6,311 |
| Income before extraordinary items | $66,000 | 8,089 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $66,000 | 8,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,631 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $66,000 | 8,060 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,820,000 | 2,987 |
| Total interest expense | $2,719,000 | 2,742 |
| Net interest income | $5,101,000 | 3,097 |
| Provision for loan and lease losses | $150,000 | 3,463 |
| Total noninterest income | $1,303,000 | 2,432 |
| Gross Fiduciary activities income | $49,000 | 995 |
| Service charges on deposit accounts | $508,000 | 2,413 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $746,000 | 2,217 |
| Total noninterest expense | $4,124,000 | 2,934 |
| Salaries and employee benefits | $2,059,000 | 3,196 |
| Premises and equipment expense | $547,000 | 3,107 |
| Additional noninterest expense | $1,518,000 | 2,425 |
| Pre-tax net operating income | $2,130,000 | 2,920 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $666,000 | 2,464 |
| Income before extraordinary items | $1,464,000 | 3,192 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,464,000 | 3,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,023 |
| Cash dividends | $203,000 | 4,022 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,464,000 | 3,151 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,084,000 | 2,995 |
| Total interest expense | $1,700,000 | 2,746 |
| Net interest income | $3,384,000 | 3,080 |
| Provision for loan and lease losses | $135,000 | 2,835 |
| Total noninterest income | $914,000 | 2,331 |
| Gross Fiduciary activities income | $31,000 | 1,012 |
| Service charges on deposit accounts | $328,000 | 2,437 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $555,000 | 2,038 |
| Total noninterest expense | $2,712,000 | 2,966 |
| Salaries and employee benefits | $1,353,000 | 3,214 |
| Premises and equipment expense | $362,000 | 3,101 |
| Additional noninterest expense | $997,000 | 2,438 |
| Pre-tax net operating income | $1,451,000 | 2,831 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $456,000 | 2,396 |
| Income before extraordinary items | $995,000 | 3,113 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $995,000 | 3,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-89,000 | 8,638 |
| Cash dividends | $194,000 | 3,585 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $995,000 | 3,066 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,471,000 | 3,019 |
| Total interest expense | $810,000 | 2,753 |
| Net interest income | $1,661,000 | 3,118 |
| Provision for loan and lease losses | $40,000 | 3,596 |
| Total noninterest income | $364,000 | 2,658 |
| Gross Fiduciary activities income | $16,000 | 1,011 |
| Service charges on deposit accounts | $156,000 | 2,474 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $192,000 | 2,543 |
| Total noninterest expense | $1,339,000 | 3,008 |
| Salaries and employee benefits | $665,000 | 3,260 |
| Premises and equipment expense | $185,000 | 3,071 |
| Additional noninterest expense | $489,000 | 2,489 |
| Pre-tax net operating income | $646,000 | 3,056 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $208,000 | 2,534 |
| Income before extraordinary items | $438,000 | 3,386 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $438,000 | 3,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-76,000 | 8,735 |
| Cash dividends | $177,000 | 2,362 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $438,000 | 3,351 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,169,000 | 3,056 |
| Total interest expense | $2,771,000 | 2,791 |
| Net interest income | $6,398,000 | 3,120 |
| Provision for loan and lease losses | $319,000 | 2,795 |
| Total noninterest income | $1,586,000 | 2,587 |
| Gross Fiduciary activities income | $89,000 | 959 |
| Service charges on deposit accounts | $691,000 | 2,397 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $806,000 | 2,485 |
| Total noninterest expense | $5,369,000 | 2,920 |
| Salaries and employee benefits | $2,663,000 | 3,174 |
| Premises and equipment expense | $756,000 | 2,929 |
| Additional noninterest expense | $1,950,000 | 2,480 |
| Pre-tax net operating income | $2,296,000 | 3,204 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $731,000 | 2,684 |
| Income before extraordinary items | $1,565,000 | 3,531 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,565,000 | 3,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $329,000 | 1,857 |
| Cash dividends | $755,000 | 2,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,565,000 | 3,459 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,803,000 | 3,049 |
| Total interest expense | $2,013,000 | 2,823 |
| Net interest income | $4,790,000 | 3,106 |
| Provision for loan and lease losses | $225,000 | 2,754 |
| Total noninterest income | $1,217,000 | 2,554 |
| Gross Fiduciary activities income | $74,000 | 940 |
| Service charges on deposit accounts | $531,000 | 2,369 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $612,000 | 2,465 |
| Total noninterest expense | $4,033,000 | 2,890 |
| Salaries and employee benefits | $2,039,000 | 3,077 |
| Premises and equipment expense | $560,000 | 2,950 |
| Additional noninterest expense | $1,434,000 | 2,485 |
| Pre-tax net operating income | $1,749,000 | 3,211 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $557,000 | 2,709 |
| Income before extraordinary items | $1,192,000 | 3,552 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,192,000 | 3,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 1,793 |
| Cash dividends | $755,000 | 2,083 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,192,000 | 3,478 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,489,000 | 3,055 |
| Total interest expense | $1,307,000 | 2,883 |
| Net interest income | $3,182,000 | 3,118 |
| Provision for loan and lease losses | $135,000 | 2,929 |
| Total noninterest income | $776,000 | 2,640 |
| Gross Fiduciary activities income | $62,000 | 902 |
| Service charges on deposit accounts | $341,000 | 2,452 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $373,000 | 2,623 |
| Total noninterest expense | $2,673,000 | 2,913 |
| Salaries and employee benefits | $1,359,000 | 3,107 |
| Premises and equipment expense | $369,000 | 2,991 |
| Additional noninterest expense | $945,000 | 2,507 |
| Pre-tax net operating income | $1,150,000 | 3,213 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $365,000 | 2,728 |
| Income before extraordinary items | $785,000 | 3,566 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $785,000 | 3,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 2,702 |
| Cash dividends | $755,000 | 1,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $785,000 | 3,480 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,214,000 | 3,113 |
| Total interest expense | $643,000 | 2,954 |
| Net interest income | $1,571,000 | 3,151 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $434,000 | 2,405 |
| Gross Fiduciary activities income | $49,000 | 804 |
| Service charges on deposit accounts | $162,000 | 2,518 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $223,000 | 2,293 |
| Total noninterest expense | $1,324,000 | 2,935 |
| Salaries and employee benefits | $685,000 | 3,091 |
| Premises and equipment expense | $188,000 | 2,975 |
| Additional noninterest expense | $451,000 | 2,602 |
| Pre-tax net operating income | $621,000 | 2,992 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $199,000 | 2,588 |
| Income before extraordinary items | $422,000 | 3,365 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $422,000 | 3,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 2,115 |
| Cash dividends | $220,000 | 2,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $422,000 | 3,246 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,895,000 | 3,145 |
| Total interest expense | $2,864,000 | 2,982 |
| Net interest income | $6,031,000 | 3,168 |
| Provision for loan and lease losses | $330,000 | 2,962 |
| Total noninterest income | $1,968,000 | 2,346 |
| Gross Fiduciary activities income | $77,000 | 1,005 |
| Service charges on deposit accounts | $656,000 | 2,507 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,235,000 | 2,079 |
| Total noninterest expense | $5,165,000 | 2,971 |
| Salaries and employee benefits | $2,550,000 | 3,231 |
| Premises and equipment expense | $725,000 | 2,997 |
| Additional noninterest expense | $1,890,000 | 2,528 |
| Pre-tax net operating income | $2,504,000 | 2,883 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $787,000 | 2,566 |
| Income before extraordinary items | $1,717,000 | 3,219 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,717,000 | 3,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $325,000 | 2,151 |
| Cash dividends | $100,000 | 5,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,717,000 | 3,079 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,689,000 | 3,177 |
| Total interest expense | $2,184,000 | 3,040 |
| Net interest income | $4,505,000 | 3,195 |
| Provision for loan and lease losses | $218,000 | 3,203 |
| Total noninterest income | $1,530,000 | 2,323 |
| Gross Fiduciary activities income | $29,000 | 1,117 |
| Service charges on deposit accounts | $500,000 | 2,473 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,001,000 | 2,046 |
| Total noninterest expense | $3,945,000 | 2,935 |
| Salaries and employee benefits | $1,969,000 | 3,140 |
| Premises and equipment expense | $555,000 | 2,946 |
| Additional noninterest expense | $1,421,000 | 2,512 |
| Pre-tax net operating income | $1,872,000 | 2,983 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $590,000 | 2,701 |
| Income before extraordinary items | $1,282,000 | 3,318 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,282,000 | 3,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $284,000 | 1,769 |
| Cash dividends | $100,000 | 4,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,282,000 | 3,162 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,493,000 | 3,172 |
| Total interest expense | $1,519,000 | 3,009 |
| Net interest income | $2,974,000 | 3,215 |
| Provision for loan and lease losses | $126,000 | 3,381 |
| Total noninterest income | $1,057,000 | 2,264 |
| Gross Fiduciary activities income | $23,000 | 1,090 |
| Service charges on deposit accounts | $331,000 | 2,455 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $703,000 | 1,958 |
| Total noninterest expense | $2,636,000 | 2,930 |
| Salaries and employee benefits | $1,315,000 | 3,119 |
| Premises and equipment expense | $370,000 | 2,950 |
| Additional noninterest expense | $951,000 | 2,481 |
| Pre-tax net operating income | $1,269,000 | 2,953 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $402,000 | 2,682 |
| Income before extraordinary items | $867,000 | 3,303 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $867,000 | 3,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 1,886 |
| Cash dividends | $100,000 | 4,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $867,000 | 3,130 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,257,000 | 3,176 |
| Total interest expense | $782,000 | 3,000 |
| Net interest income | $1,475,000 | 3,220 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $539,000 | 2,169 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $157,000 | 2,491 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $381,000 | 1,801 |
| Total noninterest expense | $1,332,000 | 2,877 |
| Salaries and employee benefits | $663,000 | 3,098 |
| Premises and equipment expense | $189,000 | 2,896 |
| Additional noninterest expense | $480,000 | 2,418 |
| Pre-tax net operating income | $637,000 | 2,951 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $204,000 | 2,665 |
| Income before extraordinary items | $433,000 | 3,275 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $433,000 | 3,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $100,000 | 2,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $433,000 | 3,106 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,682,000 | 3,107 |
| Total interest expense | $3,332,000 | 3,240 |
| Net interest income | $6,350,000 | 2,993 |
| Provision for loan and lease losses | $778,000 | 1,681 |
| Total noninterest income | $1,950,000 | 2,172 |
| Gross Fiduciary activities income | $18,000 | 1,314 |
| Service charges on deposit accounts | $701,000 | 2,246 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,231,000 | 1,910 |
| Total noninterest expense | $4,824,000 | 3,015 |
| Salaries and employee benefits | $2,495,000 | 3,131 |
| Premises and equipment expense | $646,000 | 3,204 |
| Additional noninterest expense | $1,683,000 | 2,681 |
| Pre-tax net operating income | $2,698,000 | 2,725 |
| Securities gains (losses) | $-2,000 | 8,714 |
| Applicable income taxes | $894,000 | 2,402 |
| Income before extraordinary items | $1,802,000 | 3,037 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,802,000 | 3,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $659,000 | 1,344 |
| Cash dividends | $774,000 | 2,715 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,803,340 | 2,940 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,744,000 | 3,120 |
| Total interest expense | $5,037,000 | 3,135 |
| Net interest income | $5,707,000 | 3,079 |
| Provision for loan and lease losses | $312,000 | 3,116 |
| Total noninterest income | $1,508,000 | 2,496 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $513,000 | 2,788 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $995,000 | 2,053 |
| Total noninterest expense | $4,651,000 | 3,004 |
| Salaries and employee benefits | $2,209,000 | 3,316 |
| Premises and equipment expense | $594,000 | 3,382 |
| Additional noninterest expense | $1,848,000 | 2,415 |
| Pre-tax net operating income | $2,252,000 | 2,901 |
| Securities gains (losses) | $3,000 | 4,114 |
| Applicable income taxes | $752,000 | 2,539 |
| Income before extraordinary items | $1,503,000 | 3,218 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,503,000 | 3,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 3,171 |
| Cash dividends | $495,000 | 3,507 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,500,990 | 3,120 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,932,000 | 3,159 |
| Total interest expense | $5,931,000 | 2,818 |
| Net interest income | $5,001,000 | 3,467 |
| Provision for loan and lease losses | $188,000 | 3,880 |
| Total noninterest income | $893,000 | 3,413 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $426,000 | 3,083 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $467,000 | 3,064 |
| Total noninterest expense | $4,121,000 | 3,247 |
| Salaries and employee benefits | $1,990,000 | 3,478 |
| Premises and equipment expense | $483,000 | 3,895 |
| Additional noninterest expense | $1,648,000 | 2,578 |
| Pre-tax net operating income | $1,585,000 | 3,913 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $509,000 | 3,455 |
| Income before extraordinary items | $1,076,000 | 4,171 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,076,000 | 4,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,481 |
| Cash dividends | $334,000 | 4,289 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 762 |
| Net operating income | $1,076,000 | 4,173 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,538,000 | 3,364 |
| Total interest expense | $4,613,000 | 3,144 |
| Net interest income | $4,925,000 | 3,487 |
| Provision for loan and lease losses | $147,000 | 4,324 |
| Total noninterest income | $741,000 | 3,816 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $322,000 | 3,780 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $419,000 | 3,303 |
| Total noninterest expense | $3,581,000 | 3,645 |
| Salaries and employee benefits | $1,777,000 | 3,786 |
| Premises and equipment expense | $352,000 | 4,953 |
| Additional noninterest expense | $1,452,000 | 2,946 |
| Pre-tax net operating income | $1,938,000 | 3,417 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $631,000 | 3,108 |
| Income before extraordinary items | $1,307,000 | 3,629 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,307,000 | 3,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,549 |
| Cash dividends | $136,000 | 5,771 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,307,000 | 3,591 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,600,000 | 3,680 |
| Total interest expense | $4,375,000 | 3,397 |
| Net interest income | $4,225,000 | 3,950 |
| Provision for loan and lease losses | $170,000 | 3,903 |
| Total noninterest income | $729,000 | 3,863 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $288,000 | 4,046 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $441,000 | 3,231 |
| Total noninterest expense | $2,827,000 | 4,343 |
| Salaries and employee benefits | $1,548,000 | 4,143 |
| Premises and equipment expense | $265,000 | 5,763 |
| Additional noninterest expense | $1,014,000 | 3,908 |
| Pre-tax net operating income | $1,957,000 | 3,397 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $661,000 | 3,156 |
| Income before extraordinary items | $1,296,000 | 3,704 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,296,000 | 3,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,658 |
| Cash dividends | $250,000 | 4,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,296,000 | 3,603 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,401,000 | 4,295 |
| Total interest expense | $4,109,000 | 3,575 |
| Net interest income | $3,292,000 | 4,947 |
| Provision for loan and lease losses | $192,000 | 3,539 |
| Total noninterest income | $302,000 | 6,623 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $212,000 | 5,171 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 7,074 |
| Total noninterest expense | $2,267,000 | 5,167 |
| Salaries and employee benefits | $1,216,000 | 5,032 |
| Premises and equipment expense | $224,000 | 6,433 |
| Additional noninterest expense | $827,000 | 4,607 |
| Pre-tax net operating income | $1,135,000 | 5,423 |
| Securities gains (losses) | $6,000 | 2,665 |
| Applicable income taxes | $389,000 | 4,959 |
| Income before extraordinary items | $752,000 | 5,672 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $752,000 | 5,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,548 |
| Cash dividends | $52,000 | 7,148 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 536 |
| Net operating income | $748,040 | 5,641 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,134,000 | 5,822 |
| Total interest expense | $2,996,000 | 4,791 |
| Net interest income | $2,138,000 | 6,880 |
| Provision for loan and lease losses | $275,000 | 2,762 |
| Total noninterest income | $187,000 | 8,425 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 6,812 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 8,673 |
| Total noninterest expense | $1,732,000 | 6,538 |
| Salaries and employee benefits | $983,000 | 6,073 |
| Premises and equipment expense | $182,000 | 7,382 |
| Additional noninterest expense | $567,000 | 6,568 |
| Pre-tax net operating income | $318,000 | 9,005 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $5,000 | 10,459 |
| Income before extraordinary items | $313,000 | 8,317 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $313,000 | 8,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,912 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $313,000 | 8,253 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,067,000 | 8,105 |
| Total interest expense | $1,723,000 | 7,082 |
| Net interest income | $1,344,000 | 8,943 |
| Provision for loan and lease losses | $164,000 | 3,466 |
| Total noninterest income | $117,000 | 9,914 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $83,000 | 8,234 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 10,029 |
| Total noninterest expense | $1,171,000 | 8,310 |
| Salaries and employee benefits | $640,000 | 8,112 |
| Premises and equipment expense | $126,000 | 8,898 |
| Additional noninterest expense | $405,000 | 8,137 |
| Pre-tax net operating income | $126,000 | 10,932 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $126,000 | 10,690 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $126,000 | 10,691 |
| 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 | $0 | 809 |
| Net operating income | $126,000 | 10,670 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,318,000 | 11,103 |
| Total interest expense | $581,000 | 10,686 |
| Net interest income | $737,000 | 11,257 |
| Provision for loan and lease losses | $231,000 | 2,778 |
| Total noninterest income | $41,000 | 12,111 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 10,262 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 12,149 |
| Total noninterest expense | $759,000 | 10,421 |
| Salaries and employee benefits | $397,000 | 10,314 |
| Premises and equipment expense | $62,000 | 11,231 |
| Additional noninterest expense | $300,000 | 9,963 |
| Pre-tax net operating income | $-212,000 | 12,270 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $-212,000 | 12,229 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-212,000 | 12,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,352 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 964 |
| Net operating income | $-212,000 | 12,255 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $69,000 | 13,259 |
| Total interest expense | $19,000 | 13,237 |
| Net interest income | $50,000 | 13,223 |
| Provision for loan and lease losses | $40,000 | 7,927 |
| Total noninterest income | $2,000 | 13,212 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 11,331 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 13,192 |
| Total noninterest expense | $226,000 | 13,152 |
| Salaries and employee benefits | $72,000 | 13,229 |
| Premises and equipment expense | $23,000 | 13,026 |
| Additional noninterest expense | $131,000 | 12,644 |
| Pre-tax net operating income | $-214,000 | 12,705 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-214,000 | 12,772 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-214,000 | 12,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $4,902,000 | 204 |
| Net operating income | $-214,000 | 12,691 |
* 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.