Home > Citizens First National Bank > Income and Expense
Citizens First National Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $25,394,000 | 785 |
| Total interest expense | $3,024,000 | 1,171 |
| Net interest income | $22,370,000 | 732 |
| Provision for loan and lease losses | $10,100,000 | 222 |
| Total noninterest income | $6,619,000 | 744 |
| Gross Fiduciary activities income | $885,000 | 412 |
| Service charges on deposit accounts | $2,576,000 | 431 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $3,158,000 | 913 |
| Total noninterest expense | $32,364,000 | 495 |
| Salaries and employee benefits | $13,284,000 | 593 |
| Premises and equipment expense | $3,149,000 | 575 |
| Additional noninterest expense | $15,931,000 | 369 |
| Pre-tax net operating income | $-13,475,000 | 7,156 |
| Securities gains (losses) | $8,763,000 | 54 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-4,712,000 | 7,097 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-4,712,000 | 7,097 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-4,712,000 | 7,097 |
| Net charge-offs | $21,511,000 | 130 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-13,475,000 | 7,149 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $17,591,000 | 767 |
| Total interest expense | $2,094,000 | 1,170 |
| Net interest income | $15,497,000 | 703 |
| Provision for loan and lease losses | $10,100,000 | 164 |
| Total noninterest income | $5,768,000 | 607 |
| Gross Fiduciary activities income | $606,000 | 403 |
| Service charges on deposit accounts | $1,738,000 | 419 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,424,000 | 629 |
| Total noninterest expense | $21,462,000 | 505 |
| Salaries and employee benefits | $9,145,000 | 571 |
| Premises and equipment expense | $2,074,000 | 581 |
| Additional noninterest expense | $10,243,000 | 380 |
| Pre-tax net operating income | $-10,297,000 | 7,224 |
| Securities gains (losses) | $5,652,000 | 51 |
| Applicable income taxes | $53,000 | 3,511 |
| Income before extraordinary items | $-4,698,000 | 7,184 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-4,698,000 | 7,184 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-4,698,000 | 7,184 |
| Net charge-offs | $18,041,000 | 116 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-10,350,000 | 7,217 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $9,216,000 | 731 |
| Total interest expense | $1,101,000 | 1,149 |
| Net interest income | $8,115,000 | 661 |
| Provision for loan and lease losses | $75,000 | 3,178 |
| Total noninterest income | $3,317,000 | 541 |
| Gross Fiduciary activities income | $290,000 | 413 |
| Service charges on deposit accounts | $870,000 | 418 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,157,000 | 519 |
| Total noninterest expense | $10,668,000 | 495 |
| Salaries and employee benefits | $4,773,000 | 549 |
| Premises and equipment expense | $1,030,000 | 586 |
| Additional noninterest expense | $4,865,000 | 389 |
| Pre-tax net operating income | $689,000 | 2,294 |
| Securities gains (losses) | $553,000 | 246 |
| Applicable income taxes | $53,000 | 3,025 |
| Income before extraordinary items | $1,189,000 | 1,224 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,189,000 | 1,224 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,189,000 | 1,225 |
| Net charge-offs | $747,000 | 832 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $658,120 | 2,003 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $42,578,000 | 649 |
| Total interest expense | $6,417,000 | 949 |
| Net interest income | $36,161,000 | 593 |
| Provision for loan and lease losses | $51,803,000 | 113 |
| Total noninterest income | $7,440,000 | 769 |
| Gross Fiduciary activities income | $1,073,000 | 383 |
| Service charges on deposit accounts | $3,651,000 | 418 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,716,000 | 1,096 |
| Total noninterest expense | $40,105,000 | 513 |
| Salaries and employee benefits | $18,382,000 | 529 |
| Premises and equipment expense | $4,284,000 | 589 |
| Additional noninterest expense | $17,439,000 | 440 |
| Pre-tax net operating income | $-48,307,000 | 7,348 |
| Securities gains (losses) | $2,692,000 | 180 |
| Applicable income taxes | $6,716,000 | 331 |
| Income before extraordinary items | $-52,331,000 | 7,340 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-52,331,000 | 7,340 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-52,331,000 | 7,340 |
| Net charge-offs | $51,116,000 | 124 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-55,023,000 | 7,340 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $32,635,000 | 644 |
| Total interest expense | $5,129,000 | 930 |
| Net interest income | $27,506,000 | 588 |
| Provision for loan and lease losses | $17,900,000 | 194 |
| Total noninterest income | $5,363,000 | 792 |
| Gross Fiduciary activities income | $815,000 | 378 |
| Service charges on deposit accounts | $2,738,000 | 423 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,810,000 | 1,193 |
| Total noninterest expense | $28,508,000 | 538 |
| Salaries and employee benefits | $13,799,000 | 530 |
| Premises and equipment expense | $3,204,000 | 596 |
| Additional noninterest expense | $11,505,000 | 486 |
| Pre-tax net operating income | $-13,539,000 | 7,372 |
| Securities gains (losses) | $2,692,000 | 148 |
| Applicable income taxes | $7,356,000 | 264 |
| Income before extraordinary items | $-18,203,000 | 7,389 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-18,203,000 | 7,389 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-18,203,000 | 7,389 |
| Net charge-offs | $31,115,000 | 132 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-20,895,000 | 7,397 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $22,283,000 | 642 |
| Total interest expense | $3,524,000 | 929 |
| Net interest income | $18,759,000 | 585 |
| Provision for loan and lease losses | $9,925,000 | 246 |
| Total noninterest income | $3,960,000 | 740 |
| Gross Fiduciary activities income | $559,000 | 379 |
| Service charges on deposit accounts | $1,758,000 | 436 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,643,000 | 952 |
| Total noninterest expense | $18,908,000 | 544 |
| Salaries and employee benefits | $9,141,000 | 539 |
| Premises and equipment expense | $2,120,000 | 606 |
| Additional noninterest expense | $7,647,000 | 493 |
| Pre-tax net operating income | $-6,114,000 | 7,395 |
| Securities gains (losses) | $2,682,000 | 92 |
| Applicable income taxes | $-2,490,000 | 7,469 |
| Income before extraordinary items | $-942,000 | 7,009 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-942,000 | 7,008 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-942,000 | 7,009 |
| Net charge-offs | $20,522,000 | 151 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-2,658,480 | 7,258 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $11,487,000 | 630 |
| Total interest expense | $1,822,000 | 929 |
| Net interest income | $9,665,000 | 566 |
| Provision for loan and lease losses | $1,875,000 | 545 |
| Total noninterest income | $2,369,000 | 644 |
| Gross Fiduciary activities income | $290,000 | 373 |
| Service charges on deposit accounts | $853,000 | 440 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,226,000 | 717 |
| Total noninterest expense | $9,420,000 | 544 |
| Salaries and employee benefits | $4,614,000 | 536 |
| Premises and equipment expense | $1,066,000 | 625 |
| Additional noninterest expense | $3,740,000 | 504 |
| Pre-tax net operating income | $739,000 | 1,894 |
| Securities gains (losses) | $1,084,000 | 96 |
| Applicable income taxes | $-13,000 | 7,034 |
| Income before extraordinary items | $1,836,000 | 708 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,836,000 | 708 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,836,000 | 708 |
| Net charge-offs | $1,694,000 | 608 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $752,000 | 1,524 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $51,072,000 | 582 |
| Total interest expense | $11,099,000 | 722 |
| Net interest income | $39,973,000 | 545 |
| Provision for loan and lease losses | $40,550,000 | 210 |
| Total noninterest income | $9,086,000 | 680 |
| Gross Fiduciary activities income | $1,148,000 | 367 |
| Service charges on deposit accounts | $3,318,000 | 461 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $4,620,000 | 789 |
| Total noninterest expense | $36,688,000 | 558 |
| Salaries and employee benefits | $18,208,000 | 536 |
| Premises and equipment expense | $4,374,000 | 588 |
| Additional noninterest expense | $14,106,000 | 546 |
| Pre-tax net operating income | $-28,179,000 | 7,563 |
| Securities gains (losses) | $722,000 | 652 |
| Applicable income taxes | $-11,352,000 | 7,623 |
| Income before extraordinary items | $-16,105,000 | 7,485 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-16,105,000 | 7,485 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-16,105,000 | 7,485 |
| Net charge-offs | $22,899,000 | 306 |
| Cash dividends | $1,500,000 | 1,061 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-16,567,080 | 7,484 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $38,892,000 | 577 |
| Total interest expense | $8,940,000 | 694 |
| Net interest income | $29,952,000 | 536 |
| Provision for loan and lease losses | $13,300,000 | 399 |
| Total noninterest income | $6,088,000 | 724 |
| Gross Fiduciary activities income | $850,000 | 369 |
| Service charges on deposit accounts | $2,570,000 | 447 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $2,668,000 | 898 |
| Total noninterest expense | $27,075,000 | 558 |
| Salaries and employee benefits | $13,492,000 | 533 |
| Premises and equipment expense | $3,299,000 | 580 |
| Additional noninterest expense | $10,284,000 | 536 |
| Pre-tax net operating income | $-4,335,000 | 7,323 |
| Securities gains (losses) | $722,000 | 547 |
| Applicable income taxes | $-3,134,000 | 7,660 |
| Income before extraordinary items | $-479,000 | 6,655 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-479,000 | 6,655 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-479,000 | 6,655 |
| Net charge-offs | $6,823,000 | 634 |
| Cash dividends | $1,000,000 | 1,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-941,080 | 6,829 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $26,428,000 | 566 |
| Total interest expense | $6,458,000 | 662 |
| Net interest income | $19,970,000 | 531 |
| Provision for loan and lease losses | $6,575,000 | 505 |
| Total noninterest income | $4,015,000 | 717 |
| Gross Fiduciary activities income | $581,000 | 367 |
| Service charges on deposit accounts | $1,669,000 | 456 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,765,000 | 875 |
| Total noninterest expense | $18,015,000 | 563 |
| Salaries and employee benefits | $8,864,000 | 540 |
| Premises and equipment expense | $2,209,000 | 586 |
| Additional noninterest expense | $6,942,000 | 530 |
| Pre-tax net operating income | $-605,000 | 6,816 |
| Securities gains (losses) | $722,000 | 341 |
| Applicable income taxes | $-1,117,000 | 7,628 |
| Income before extraordinary items | $1,234,000 | 1,765 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,234,000 | 1,764 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,234,000 | 1,765 |
| Net charge-offs | $2,675,000 | 911 |
| Cash dividends | $500,000 | 1,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $512,000 | 3,261 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $13,722,000 | 567 |
| Total interest expense | $3,624,000 | 628 |
| Net interest income | $10,098,000 | 540 |
| Provision for loan and lease losses | $3,925,000 | 455 |
| Total noninterest income | $2,075,000 | 684 |
| Gross Fiduciary activities income | $264,000 | 391 |
| Service charges on deposit accounts | $804,000 | 472 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,007,000 | 790 |
| Total noninterest expense | $9,008,000 | 565 |
| Salaries and employee benefits | $4,412,000 | 551 |
| Premises and equipment expense | $1,134,000 | 588 |
| Additional noninterest expense | $3,462,000 | 527 |
| Pre-tax net operating income | $-760,000 | 7,321 |
| Securities gains (losses) | $642,000 | 197 |
| Applicable income taxes | $-634,000 | 7,735 |
| Income before extraordinary items | $516,000 | 2,093 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $516,000 | 2,092 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $516,000 | 2,093 |
| Net charge-offs | $1,318,000 | 860 |
| Cash dividends | $500,000 | 654 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $105,120 | 4,796 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $58,183,000 | 560 |
| Total interest expense | $20,622,000 | 551 |
| Net interest income | $37,561,000 | 575 |
| Provision for loan and lease losses | $11,062,000 | 797 |
| Total noninterest income | $10,919,000 | 599 |
| Gross Fiduciary activities income | $1,334,000 | 325 |
| Service charges on deposit accounts | $3,586,000 | 460 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $5,999,000 | 621 |
| Total noninterest expense | $59,980,000 | 384 |
| Salaries and employee benefits | $18,011,000 | 536 |
| Premises and equipment expense | $4,358,000 | 610 |
| Additional noninterest expense | $37,611,000 | 278 |
| Pre-tax net operating income | $-22,562,000 | 7,743 |
| Securities gains (losses) | $1,781,000 | 308 |
| Applicable income taxes | $-901,000 | 7,242 |
| Income before extraordinary items | $-19,880,000 | 7,736 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-19,880,000 | 7,734 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-19,880,000 | 7,734 |
| Net charge-offs | $4,052,000 | 1,332 |
| Cash dividends | $5,200,000 | 329 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-21,589,760 | 7,760 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $44,216,000 | 569 |
| Total interest expense | $16,146,000 | 561 |
| Net interest income | $28,070,000 | 585 |
| Provision for loan and lease losses | $5,045,000 | 1,038 |
| Total noninterest income | $8,010,000 | 619 |
| Gross Fiduciary activities income | $1,004,000 | 322 |
| Service charges on deposit accounts | $2,718,000 | 456 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $4,288,000 | 666 |
| Total noninterest expense | $27,003,000 | 586 |
| Salaries and employee benefits | $13,514,000 | 545 |
| Premises and equipment expense | $3,252,000 | 628 |
| Additional noninterest expense | $10,237,000 | 576 |
| Pre-tax net operating income | $4,032,000 | 833 |
| Securities gains (losses) | $799,000 | 464 |
| Applicable income taxes | $184,000 | 2,400 |
| Income before extraordinary items | $4,647,000 | 582 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $4,647,000 | 582 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $4,647,000 | 584 |
| Net charge-offs | $2,351,000 | 1,375 |
| Cash dividends | $4,200,000 | 299 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,879,960 | 696 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $29,427,000 | 582 |
| Total interest expense | $10,951,000 | 583 |
| Net interest income | $18,476,000 | 595 |
| Provision for loan and lease losses | $2,635,000 | 1,182 |
| Total noninterest income | $5,489,000 | 615 |
| Gross Fiduciary activities income | $708,000 | 314 |
| Service charges on deposit accounts | $1,765,000 | 466 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $3,016,000 | 636 |
| Total noninterest expense | $17,904,000 | 602 |
| Salaries and employee benefits | $8,672,000 | 573 |
| Premises and equipment expense | $2,182,000 | 638 |
| Additional noninterest expense | $7,050,000 | 565 |
| Pre-tax net operating income | $3,426,000 | 671 |
| Securities gains (losses) | $761,000 | 366 |
| Applicable income taxes | $546,000 | 1,005 |
| Income before extraordinary items | $3,641,000 | 479 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,641,000 | 476 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $3,641,000 | 479 |
| Net charge-offs | $1,540,000 | 1,322 |
| Cash dividends | $3,200,000 | 269 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $2,978,930 | 591 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $14,480,000 | 598 |
| Total interest expense | $5,497,000 | 603 |
| Net interest income | $8,983,000 | 603 |
| Provision for loan and lease losses | $1,170,000 | 1,078 |
| Total noninterest income | $2,568,000 | 617 |
| Gross Fiduciary activities income | $314,000 | 335 |
| Service charges on deposit accounts | $885,000 | 460 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,369,000 | 670 |
| Total noninterest expense | $9,019,000 | 567 |
| Salaries and employee benefits | $4,570,000 | 552 |
| Premises and equipment expense | $1,116,000 | 634 |
| Additional noninterest expense | $3,333,000 | 526 |
| Pre-tax net operating income | $1,362,000 | 932 |
| Securities gains (losses) | $187,000 | 698 |
| Applicable income taxes | $87,000 | 2,318 |
| Income before extraordinary items | $1,462,000 | 704 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,462,000 | 703 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $1,462,000 | 706 |
| Net charge-offs | $371,000 | 1,608 |
| Cash dividends | $1,700,000 | 249 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,286,220 | 751 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $60,348,000 | 615 |
| Total interest expense | $25,205,000 | 631 |
| Net interest income | $35,143,000 | 613 |
| Provision for loan and lease losses | $2,968,000 | 1,402 |
| Total noninterest income | $10,612,000 | 560 |
| Gross Fiduciary activities income | $1,530,000 | 312 |
| Service charges on deposit accounts | $4,028,000 | 431 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $5,054,000 | 646 |
| Total noninterest expense | $31,858,000 | 624 |
| Salaries and employee benefits | $17,924,000 | 535 |
| Premises and equipment expense | $4,449,000 | 621 |
| Additional noninterest expense | $9,485,000 | 712 |
| Pre-tax net operating income | $10,929,000 | 489 |
| Securities gains (losses) | $405,000 | 451 |
| Applicable income taxes | $2,588,000 | 533 |
| Income before extraordinary items | $8,746,000 | 441 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $8,746,000 | 441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,151,000 | 1,808 |
| Cash dividends | $5,600,000 | 511 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $8,434,150 | 481 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $45,502,000 | 636 |
| Total interest expense | $19,341,000 | 648 |
| Net interest income | $26,161,000 | 629 |
| Provision for loan and lease losses | $1,368,000 | 1,517 |
| Total noninterest income | $8,007,000 | 588 |
| Gross Fiduciary activities income | $1,120,000 | 322 |
| Service charges on deposit accounts | $3,085,000 | 427 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $3,802,000 | 689 |
| Total noninterest expense | $23,255,000 | 630 |
| Salaries and employee benefits | $13,289,000 | 559 |
| Premises and equipment expense | $3,297,000 | 639 |
| Additional noninterest expense | $6,669,000 | 703 |
| Pre-tax net operating income | $9,545,000 | 529 |
| Securities gains (losses) | $331,000 | 433 |
| Applicable income taxes | $2,508,000 | 532 |
| Income before extraordinary items | $7,368,000 | 493 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $7,368,000 | 492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $774,000 | 1,527 |
| Cash dividends | $4,600,000 | 491 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $7,119,750 | 531 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $30,303,000 | 643 |
| Total interest expense | $13,218,000 | 655 |
| Net interest income | $17,085,000 | 640 |
| Provision for loan and lease losses | $818,000 | 1,396 |
| Total noninterest income | $5,357,000 | 608 |
| Gross Fiduciary activities income | $811,000 | 314 |
| Service charges on deposit accounts | $2,009,000 | 428 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,537,000 | 707 |
| Total noninterest expense | $15,452,000 | 627 |
| Salaries and employee benefits | $8,789,000 | 570 |
| Premises and equipment expense | $2,211,000 | 625 |
| Additional noninterest expense | $4,452,000 | 687 |
| Pre-tax net operating income | $6,172,000 | 567 |
| Securities gains (losses) | $276,000 | 487 |
| Applicable income taxes | $1,625,000 | 613 |
| Income before extraordinary items | $4,823,000 | 574 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,823,000 | 573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $670,000 | 1,095 |
| Cash dividends | $3,400,000 | 494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $4,616,000 | 578 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $15,414,000 | 652 |
| Total interest expense | $7,066,000 | 653 |
| Net interest income | $8,348,000 | 658 |
| Provision for loan and lease losses | $368,000 | 1,215 |
| Total noninterest income | $2,739,000 | 605 |
| Gross Fiduciary activities income | $476,000 | 285 |
| Service charges on deposit accounts | $999,000 | 423 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,264,000 | 698 |
| Total noninterest expense | $7,749,000 | 619 |
| Salaries and employee benefits | $4,491,000 | 562 |
| Premises and equipment expense | $1,114,000 | 624 |
| Additional noninterest expense | $2,144,000 | 682 |
| Pre-tax net operating income | $2,970,000 | 658 |
| Securities gains (losses) | $276,000 | 353 |
| Applicable income taxes | $807,000 | 688 |
| Income before extraordinary items | $2,439,000 | 622 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,439,000 | 623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $481,000 | 731 |
| Cash dividends | $1,700,000 | 493 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $2,232,000 | 665 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $62,961,000 | 665 |
| Total interest expense | $32,303,000 | 623 |
| Net interest income | $30,658,000 | 720 |
| Provision for loan and lease losses | $640,000 | 1,968 |
| Total noninterest income | $10,128,000 | 605 |
| Gross Fiduciary activities income | $1,507,000 | 327 |
| Service charges on deposit accounts | $4,055,000 | 429 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $4,566,000 | 737 |
| Total noninterest expense | $30,092,000 | 623 |
| Salaries and employee benefits | $17,067,000 | 566 |
| Premises and equipment expense | $4,744,000 | 557 |
| Additional noninterest expense | $8,281,000 | 688 |
| Pre-tax net operating income | $10,054,000 | 844 |
| Securities gains (losses) | $542,000 | 257 |
| Applicable income taxes | $2,301,000 | 1,007 |
| Income before extraordinary items | $8,295,000 | 784 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $8,295,000 | 782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $445,000 | 1,825 |
| Cash dividends | $4,300,000 | 851 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $7,872,240 | 814 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $46,748,000 | 670 |
| Total interest expense | $24,224,000 | 619 |
| Net interest income | $22,524,000 | 737 |
| Provision for loan and lease losses | $550,000 | 1,443 |
| Total noninterest income | $7,399,000 | 620 |
| Gross Fiduciary activities income | $1,124,000 | 325 |
| Service charges on deposit accounts | $2,980,000 | 429 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,295,000 | 773 |
| Total noninterest expense | $22,432,000 | 611 |
| Salaries and employee benefits | $12,717,000 | 577 |
| Premises and equipment expense | $3,532,000 | 556 |
| Additional noninterest expense | $6,183,000 | 671 |
| Pre-tax net operating income | $6,941,000 | 994 |
| Securities gains (losses) | $358,000 | 278 |
| Applicable income taxes | $1,474,000 | 1,241 |
| Income before extraordinary items | $5,825,000 | 895 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $5,825,000 | 893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $382,000 | 1,301 |
| Cash dividends | $2,600,000 | 976 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $5,538,600 | 921 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $30,741,000 | 695 |
| Total interest expense | $16,021,000 | 629 |
| Net interest income | $14,720,000 | 774 |
| Provision for loan and lease losses | $300,000 | 1,528 |
| Total noninterest income | $4,798,000 | 660 |
| Gross Fiduciary activities income | $771,000 | 326 |
| Service charges on deposit accounts | $1,916,000 | 454 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,111,000 | 825 |
| Total noninterest expense | $14,892,000 | 629 |
| Salaries and employee benefits | $8,408,000 | 591 |
| Premises and equipment expense | $2,407,000 | 567 |
| Additional noninterest expense | $4,077,000 | 696 |
| Pre-tax net operating income | $4,326,000 | 1,102 |
| Securities gains (losses) | $209,000 | 300 |
| Applicable income taxes | $833,000 | 1,448 |
| Income before extraordinary items | $3,702,000 | 966 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,702,000 | 965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $243,000 | 1,179 |
| Cash dividends | $1,700,000 | 1,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $3,530,620 | 1,007 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $15,127,000 | 696 |
| Total interest expense | $7,927,000 | 626 |
| Net interest income | $7,200,000 | 780 |
| Provision for loan and lease losses | $185,000 | 1,243 |
| Total noninterest income | $2,393,000 | 648 |
| Gross Fiduciary activities income | $414,000 | 316 |
| Service charges on deposit accounts | $910,000 | 460 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,069,000 | 795 |
| Total noninterest expense | $7,336,000 | 645 |
| Salaries and employee benefits | $4,209,000 | 596 |
| Premises and equipment expense | $1,192,000 | 573 |
| Additional noninterest expense | $1,935,000 | 717 |
| Pre-tax net operating income | $2,072,000 | 1,131 |
| Securities gains (losses) | $47,000 | 426 |
| Applicable income taxes | $354,000 | 1,651 |
| Income before extraordinary items | $1,765,000 | 997 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,765,000 | 996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 1,177 |
| Cash dividends | $800,000 | 962 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,725,990 | 1,005 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $54,827,000 | 707 |
| Total interest expense | $25,767,000 | 658 |
| Net interest income | $29,060,000 | 758 |
| Provision for loan and lease losses | $285,000 | 2,880 |
| Total noninterest income | $9,349,000 | 646 |
| Gross Fiduciary activities income | $1,467,000 | 328 |
| Service charges on deposit accounts | $3,900,000 | 441 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,982,000 | 819 |
| Total noninterest expense | $28,809,000 | 618 |
| Salaries and employee benefits | $16,049,000 | 587 |
| Premises and equipment expense | $4,357,000 | 581 |
| Additional noninterest expense | $8,403,000 | 647 |
| Pre-tax net operating income | $9,315,000 | 1,057 |
| Securities gains (losses) | $250,000 | 348 |
| Applicable income taxes | $1,804,000 | 1,444 |
| Income before extraordinary items | $7,761,000 | 961 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $7,761,000 | 961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $429,000 | 1,307 |
| Cash dividends | $4,200,000 | 833 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $7,558,500 | 977 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $39,877,000 | 729 |
| Total interest expense | $18,146,000 | 688 |
| Net interest income | $21,731,000 | 782 |
| Provision for loan and lease losses | $175,000 | 3,146 |
| Total noninterest income | $7,124,000 | 652 |
| Gross Fiduciary activities income | $1,157,000 | 319 |
| Service charges on deposit accounts | $2,914,000 | 450 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,053,000 | 805 |
| Total noninterest expense | $21,593,000 | 635 |
| Salaries and employee benefits | $12,055,000 | 607 |
| Premises and equipment expense | $3,210,000 | 605 |
| Additional noninterest expense | $6,328,000 | 660 |
| Pre-tax net operating income | $7,087,000 | 1,083 |
| Securities gains (losses) | $158,000 | 359 |
| Applicable income taxes | $1,389,000 | 1,472 |
| Income before extraordinary items | $5,856,000 | 984 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,856,000 | 983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 1,488 |
| Cash dividends | $2,950,000 | 844 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $5,728,020 | 1,001 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $25,761,000 | 733 |
| Total interest expense | $11,248,000 | 699 |
| Net interest income | $14,513,000 | 778 |
| Provision for loan and lease losses | $95,000 | 3,398 |
| Total noninterest income | $4,828,000 | 641 |
| Gross Fiduciary activities income | $857,000 | 307 |
| Service charges on deposit accounts | $1,939,000 | 447 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,032,000 | 805 |
| Total noninterest expense | $14,452,000 | 638 |
| Salaries and employee benefits | $8,087,000 | 604 |
| Premises and equipment expense | $2,096,000 | 620 |
| Additional noninterest expense | $4,269,000 | 657 |
| Pre-tax net operating income | $4,794,000 | 1,056 |
| Securities gains (losses) | $60,000 | 423 |
| Applicable income taxes | $926,000 | 1,492 |
| Income before extraordinary items | $3,928,000 | 982 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,928,000 | 983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 1,059 |
| Cash dividends | $1,700,000 | 939 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,879,400 | 979 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $12,587,000 | 737 |
| Total interest expense | $5,325,000 | 692 |
| Net interest income | $7,262,000 | 776 |
| Provision for loan and lease losses | $10,000 | 5,231 |
| Total noninterest income | $2,301,000 | 658 |
| Gross Fiduciary activities income | $404,000 | 314 |
| Service charges on deposit accounts | $924,000 | 448 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $973,000 | 818 |
| Total noninterest expense | $7,176,000 | 638 |
| Salaries and employee benefits | $4,062,000 | 603 |
| Premises and equipment expense | $1,038,000 | 626 |
| Additional noninterest expense | $2,076,000 | 666 |
| Pre-tax net operating income | $2,377,000 | 1,050 |
| Securities gains (losses) | $60,000 | 319 |
| Applicable income taxes | $456,000 | 1,494 |
| Income before extraordinary items | $1,981,000 | 962 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,981,000 | 961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 631 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,932,400 | 967 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $41,057,000 | 784 |
| Total interest expense | $14,930,000 | 762 |
| Net interest income | $26,127,000 | 819 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $8,292,000 | 709 |
| Gross Fiduciary activities income | $1,601,000 | 314 |
| Service charges on deposit accounts | $3,163,000 | 535 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,528,000 | 897 |
| Total noninterest expense | $23,649,000 | 725 |
| Salaries and employee benefits | $13,539,000 | 667 |
| Premises and equipment expense | $3,133,000 | 774 |
| Additional noninterest expense | $6,977,000 | 755 |
| Pre-tax net operating income | $10,770,000 | 921 |
| Securities gains (losses) | $89,000 | 739 |
| Applicable income taxes | $2,605,000 | 1,087 |
| Income before extraordinary items | $8,254,000 | 874 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $8,254,000 | 875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 2,551 |
| Cash dividends | $6,800,000 | 512 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $8,186,360 | 867 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $28,306,000 | 841 |
| Total interest expense | $9,822,000 | 816 |
| Net interest income | $18,484,000 | 852 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $5,872,000 | 754 |
| Gross Fiduciary activities income | $1,192,000 | 309 |
| Service charges on deposit accounts | $2,211,000 | 571 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,469,000 | 954 |
| Total noninterest expense | $16,792,000 | 752 |
| Salaries and employee benefits | $9,713,000 | 687 |
| Premises and equipment expense | $2,142,000 | 824 |
| Additional noninterest expense | $4,937,000 | 783 |
| Pre-tax net operating income | $7,564,000 | 972 |
| Securities gains (losses) | $50,000 | 878 |
| Applicable income taxes | $1,836,000 | 1,161 |
| Income before extraordinary items | $5,778,000 | 938 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,778,000 | 939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,195 |
| Cash dividends | $5,100,000 | 462 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,740,000 | 924 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $16,949,000 | 925 |
| Total interest expense | $5,622,000 | 880 |
| Net interest income | $11,327,000 | 921 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $3,718,000 | 770 |
| Gross Fiduciary activities income | $828,000 | 302 |
| Service charges on deposit accounts | $1,352,000 | 612 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,538,000 | 991 |
| Total noninterest expense | $10,470,000 | 794 |
| Salaries and employee benefits | $6,048,000 | 734 |
| Premises and equipment expense | $1,337,000 | 871 |
| Additional noninterest expense | $3,085,000 | 824 |
| Pre-tax net operating income | $4,575,000 | 1,034 |
| Securities gains (losses) | $28,000 | 992 |
| Applicable income taxes | $1,124,000 | 1,233 |
| Income before extraordinary items | $3,479,000 | 1,003 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,479,000 | 1,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,677 |
| Cash dividends | $3,400,000 | 460 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,457,720 | 990 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $8,181,000 | 933 |
| Total interest expense | $2,617,000 | 901 |
| Net interest income | $5,564,000 | 935 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $1,814,000 | 775 |
| Gross Fiduciary activities income | $397,000 | 310 |
| Service charges on deposit accounts | $647,000 | 620 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $770,000 | 979 |
| Total noninterest expense | $5,107,000 | 815 |
| Salaries and employee benefits | $2,983,000 | 744 |
| Premises and equipment expense | $655,000 | 900 |
| Additional noninterest expense | $1,469,000 | 850 |
| Pre-tax net operating income | $2,271,000 | 1,026 |
| Securities gains (losses) | $20,000 | 797 |
| Applicable income taxes | $557,000 | 1,223 |
| Income before extraordinary items | $1,734,000 | 1,003 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,734,000 | 1,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,138 |
| Cash dividends | $1,700,000 | 426 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,718,800 | 987 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $30,642,000 | 916 |
| Total interest expense | $9,053,000 | 891 |
| Net interest income | $21,589,000 | 911 |
| Provision for loan and lease losses | $375,000 | 2,482 |
| Total noninterest income | $8,068,000 | 715 |
| Gross Fiduciary activities income | $1,451,000 | 307 |
| Service charges on deposit accounts | $2,898,000 | 599 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,719,000 | 837 |
| Total noninterest expense | $20,169,000 | 795 |
| Salaries and employee benefits | $11,277,000 | 757 |
| Premises and equipment expense | $2,609,000 | 857 |
| Additional noninterest expense | $6,283,000 | 802 |
| Pre-tax net operating income | $9,113,000 | 958 |
| Securities gains (losses) | $216,000 | 786 |
| Applicable income taxes | $2,294,000 | 1,122 |
| Income before extraordinary items | $7,035,000 | 940 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $7,035,000 | 941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,610 |
| Cash dividends | $6,000,000 | 519 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,873,000 | 926 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $22,678,000 | 915 |
| Total interest expense | $6,587,000 | 905 |
| Net interest income | $16,091,000 | 919 |
| Provision for loan and lease losses | $375,000 | 1,868 |
| Total noninterest income | $5,991,000 | 733 |
| Gross Fiduciary activities income | $1,044,000 | 321 |
| Service charges on deposit accounts | $2,190,000 | 602 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,757,000 | 859 |
| Total noninterest expense | $14,800,000 | 812 |
| Salaries and employee benefits | $8,344,000 | 768 |
| Premises and equipment expense | $1,935,000 | 867 |
| Additional noninterest expense | $4,521,000 | 830 |
| Pre-tax net operating income | $6,907,000 | 959 |
| Securities gains (losses) | $182,000 | 810 |
| Applicable income taxes | $1,781,000 | 1,122 |
| Income before extraordinary items | $5,308,000 | 938 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,308,000 | 939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,103 |
| Cash dividends | $4,500,000 | 500 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,171,500 | 929 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $15,021,000 | 910 |
| Total interest expense | $4,360,000 | 894 |
| Net interest income | $10,661,000 | 916 |
| Provision for loan and lease losses | $300,000 | 1,523 |
| Total noninterest income | $4,152,000 | 708 |
| Gross Fiduciary activities income | $702,000 | 320 |
| Service charges on deposit accounts | $1,415,000 | 613 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,035,000 | 786 |
| Total noninterest expense | $9,811,000 | 829 |
| Salaries and employee benefits | $5,561,000 | 765 |
| Premises and equipment expense | $1,256,000 | 890 |
| Additional noninterest expense | $2,994,000 | 827 |
| Pre-tax net operating income | $4,702,000 | 928 |
| Securities gains (losses) | $182,000 | 690 |
| Applicable income taxes | $1,250,000 | 1,076 |
| Income before extraordinary items | $3,634,000 | 900 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,634,000 | 900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 2,107 |
| Cash dividends | $3,000,000 | 492 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,499,320 | 900 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $7,440,000 | 918 |
| Total interest expense | $2,231,000 | 894 |
| Net interest income | $5,209,000 | 946 |
| Provision for loan and lease losses | $100,000 | 2,105 |
| Total noninterest income | $1,778,000 | 785 |
| Gross Fiduciary activities income | $346,000 | 320 |
| Service charges on deposit accounts | $688,000 | 623 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $744,000 | 981 |
| Total noninterest expense | $4,850,000 | 844 |
| Salaries and employee benefits | $2,730,000 | 794 |
| Premises and equipment expense | $658,000 | 865 |
| Additional noninterest expense | $1,462,000 | 843 |
| Pre-tax net operating income | $2,037,000 | 1,058 |
| Securities gains (losses) | $182,000 | 538 |
| Applicable income taxes | $541,000 | 1,225 |
| Income before extraordinary items | $1,678,000 | 974 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,678,000 | 974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 1,622 |
| Cash dividends | $1,500,000 | 452 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,539,680 | 1,009 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $30,558,000 | 915 |
| Total interest expense | $10,489,000 | 844 |
| Net interest income | $20,069,000 | 956 |
| Provision for loan and lease losses | $460,000 | 2,309 |
| Total noninterest income | $7,980,000 | 782 |
| Gross Fiduciary activities income | $1,280,000 | 340 |
| Service charges on deposit accounts | $2,787,000 | 613 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,913,000 | 913 |
| Total noninterest expense | $19,261,000 | 836 |
| Salaries and employee benefits | $10,807,000 | 786 |
| Premises and equipment expense | $2,613,000 | 854 |
| Additional noninterest expense | $5,841,000 | 876 |
| Pre-tax net operating income | $8,328,000 | 1,001 |
| Securities gains (losses) | $1,001,000 | 480 |
| Applicable income taxes | $2,526,000 | 1,070 |
| Income before extraordinary items | $6,803,000 | 947 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $6,803,000 | 950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $870,000 | 1,023 |
| Cash dividends | $5,800,000 | 558 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $6,072,270 | 996 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $22,870,000 | 939 |
| Total interest expense | $8,122,000 | 855 |
| Net interest income | $14,748,000 | 988 |
| Provision for loan and lease losses | $365,000 | 2,168 |
| Total noninterest income | $6,194,000 | 788 |
| Gross Fiduciary activities income | $955,000 | 341 |
| Service charges on deposit accounts | $2,067,000 | 628 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,172,000 | 890 |
| Total noninterest expense | $14,400,000 | 848 |
| Salaries and employee benefits | $8,002,000 | 805 |
| Premises and equipment expense | $1,970,000 | 869 |
| Additional noninterest expense | $4,428,000 | 875 |
| Pre-tax net operating income | $6,177,000 | 1,057 |
| Securities gains (losses) | $935,000 | 467 |
| Applicable income taxes | $1,948,000 | 1,084 |
| Income before extraordinary items | $5,164,000 | 972 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $5,164,000 | 972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $647,000 | 960 |
| Cash dividends | $4,600,000 | 515 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,481,450 | 1,054 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $15,072,000 | 963 |
| Total interest expense | $5,645,000 | 848 |
| Net interest income | $9,427,000 | 1,031 |
| Provision for loan and lease losses | $265,000 | 2,048 |
| Total noninterest income | $3,997,000 | 793 |
| Gross Fiduciary activities income | $640,000 | 347 |
| Service charges on deposit accounts | $1,355,000 | 631 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,002,000 | 916 |
| Total noninterest expense | $9,459,000 | 864 |
| Salaries and employee benefits | $5,254,000 | 818 |
| Premises and equipment expense | $1,303,000 | 877 |
| Additional noninterest expense | $2,902,000 | 892 |
| Pre-tax net operating income | $3,700,000 | 1,157 |
| Securities gains (losses) | $935,000 | 379 |
| Applicable income taxes | $1,258,000 | 1,132 |
| Income before extraordinary items | $3,377,000 | 991 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,377,000 | 992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $495,000 | 849 |
| Cash dividends | $3,400,000 | 469 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,694,450 | 1,144 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $8,099,000 | 913 |
| Total interest expense | $2,872,000 | 860 |
| Net interest income | $5,227,000 | 932 |
| Provision for loan and lease losses | $100,000 | 2,353 |
| Total noninterest income | $1,973,000 | 782 |
| Gross Fiduciary activities income | $322,000 | 352 |
| Service charges on deposit accounts | $669,000 | 622 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $982,000 | 900 |
| Total noninterest expense | $4,588,000 | 889 |
| Salaries and employee benefits | $2,571,000 | 835 |
| Premises and equipment expense | $651,000 | 886 |
| Additional noninterest expense | $1,366,000 | 918 |
| Pre-tax net operating income | $2,512,000 | 902 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $698,000 | 1,061 |
| Income before extraordinary items | $1,814,000 | 926 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,814,000 | 925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 904 |
| Cash dividends | $1,100,000 | 634 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,814,000 | 855 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $33,518,000 | 910 |
| Total interest expense | $13,541,000 | 834 |
| Net interest income | $19,977,000 | 970 |
| Provision for loan and lease losses | $643,000 | 1,957 |
| Total noninterest income | $7,024,000 | 793 |
| Gross Fiduciary activities income | $1,192,000 | 375 |
| Service charges on deposit accounts | $2,520,000 | 653 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,312,000 | 936 |
| Total noninterest expense | $17,947,000 | 876 |
| Salaries and employee benefits | $10,094,000 | 800 |
| Premises and equipment expense | $2,403,000 | 905 |
| Additional noninterest expense | $5,450,000 | 918 |
| Pre-tax net operating income | $8,411,000 | 1,000 |
| Securities gains (losses) | $138,000 | 1,454 |
| Applicable income taxes | $2,253,000 | 1,169 |
| Income before extraordinary items | $6,296,000 | 996 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $6,296,000 | 997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 2,453 |
| Cash dividends | $4,300,000 | 701 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $6,193,880 | 973 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $36,660,000 | 933 |
| Total interest expense | $18,183,000 | 905 |
| Net interest income | $18,477,000 | 974 |
| Provision for loan and lease losses | $795,000 | 1,514 |
| Total noninterest income | $6,037,000 | 856 |
| Gross Fiduciary activities income | $1,177,000 | 387 |
| Service charges on deposit accounts | $2,142,000 | 690 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,718,000 | 1,015 |
| Total noninterest expense | $16,640,000 | 895 |
| Salaries and employee benefits | $9,471,000 | 777 |
| Premises and equipment expense | $2,243,000 | 931 |
| Additional noninterest expense | $4,926,000 | 989 |
| Pre-tax net operating income | $7,079,000 | 1,054 |
| Securities gains (losses) | $586,000 | 562 |
| Applicable income taxes | $2,069,000 | 1,148 |
| Income before extraordinary items | $5,596,000 | 983 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,596,000 | 984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,155,000 | 845 |
| Cash dividends | $4,200,000 | 706 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,168,220 | 1,019 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $36,009,000 | 981 |
| Total interest expense | $17,324,000 | 1,023 |
| Net interest income | $18,685,000 | 924 |
| Provision for loan and lease losses | $880,000 | 1,180 |
| Total noninterest income | $10,768,000 | 555 |
| Gross Fiduciary activities income | $1,193,000 | 387 |
| Service charges on deposit accounts | $1,934,000 | 703 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $7,641,000 | 488 |
| Total noninterest expense | $16,021,000 | 883 |
| Salaries and employee benefits | $8,767,000 | 799 |
| Premises and equipment expense | $1,350,000 | 1,540 |
| Additional noninterest expense | $5,904,000 | 841 |
| Pre-tax net operating income | $12,552,000 | 640 |
| Securities gains (losses) | $38,000 | 779 |
| Applicable income taxes | $4,172,000 | 624 |
| Income before extraordinary items | $8,418,000 | 654 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $8,418,000 | 655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 2,659 |
| Cash dividends | $6,300,000 | 531 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $8,392,540 | 654 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $32,023,000 | 1,030 |
| Total interest expense | $15,325,000 | 1,000 |
| Net interest income | $16,698,000 | 1,047 |
| Provision for loan and lease losses | $651,000 | 1,395 |
| Total noninterest income | $4,011,000 | 1,092 |
| Gross Fiduciary activities income | $1,197,000 | 420 |
| Service charges on deposit accounts | $1,583,000 | 837 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,231,000 | 1,605 |
| Total noninterest expense | $14,392,000 | 973 |
| Salaries and employee benefits | $7,829,000 | 877 |
| Premises and equipment expense | $2,083,000 | 969 |
| Additional noninterest expense | $4,480,000 | 1,054 |
| Pre-tax net operating income | $5,666,000 | 1,345 |
| Securities gains (losses) | $41,000 | 1,057 |
| Applicable income taxes | $1,636,000 | 1,477 |
| Income before extraordinary items | $4,071,000 | 1,333 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,071,000 | 1,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $501,000 | 1,219 |
| Cash dividends | $2,800,000 | 1,031 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,041,890 | 1,320 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $32,567,000 | 1,013 |
| Total interest expense | $16,408,000 | 971 |
| Net interest income | $16,159,000 | 1,046 |
| Provision for loan and lease losses | $337,000 | 2,377 |
| Total noninterest income | $3,767,000 | 1,133 |
| Gross Fiduciary activities income | $1,119,000 | 428 |
| Service charges on deposit accounts | $1,498,000 | 820 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,150,000 | 1,681 |
| Total noninterest expense | $13,723,000 | 983 |
| Salaries and employee benefits | $7,480,000 | 883 |
| Premises and equipment expense | $1,740,000 | 1,115 |
| Additional noninterest expense | $4,503,000 | 1,022 |
| Pre-tax net operating income | $5,866,000 | 1,280 |
| Securities gains (losses) | $96,000 | 1,300 |
| Applicable income taxes | $1,495,000 | 1,639 |
| Income before extraordinary items | $4,467,000 | 1,197 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,467,000 | 1,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $367,000 | 1,615 |
| Cash dividends | $6,200,000 | 543 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,395,000 | 1,176 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $31,204,000 | 1,090 |
| Total interest expense | $15,217,000 | 1,077 |
| Net interest income | $15,987,000 | 1,106 |
| Provision for loan and lease losses | $590,000 | 1,558 |
| Total noninterest income | $3,316,000 | 1,207 |
| Gross Fiduciary activities income | $1,067,000 | 447 |
| Service charges on deposit accounts | $1,368,000 | 930 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $881,000 | 1,899 |
| Total noninterest expense | $12,455,000 | 1,073 |
| Salaries and employee benefits | $6,866,000 | 959 |
| Premises and equipment expense | $1,738,000 | 1,150 |
| Additional noninterest expense | $3,851,000 | 1,147 |
| Pre-tax net operating income | $6,258,000 | 1,248 |
| Securities gains (losses) | $95,000 | 1,002 |
| Applicable income taxes | $1,663,000 | 1,553 |
| Income before extraordinary items | $4,690,000 | 1,173 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,690,000 | 1,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $390,000 | 1,632 |
| Cash dividends | $2,400,000 | 1,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,619,700 | 1,164 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $28,942,000 | 1,193 |
| Total interest expense | $14,200,000 | 1,156 |
| Net interest income | $14,742,000 | 1,222 |
| Provision for loan and lease losses | $41,000 | 6,948 |
| Total noninterest income | $2,993,000 | 1,360 |
| Gross Fiduciary activities income | $934,000 | 525 |
| Service charges on deposit accounts | $1,176,000 | 1,120 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $883,000 | 1,974 |
| Total noninterest expense | $12,721,000 | 1,148 |
| Salaries and employee benefits | $6,422,000 | 1,040 |
| Premises and equipment expense | $1,781,000 | 1,180 |
| Additional noninterest expense | $4,518,000 | 1,236 |
| Pre-tax net operating income | $4,973,000 | 1,446 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $1,195,000 | 1,997 |
| Income before extraordinary items | $3,779,000 | 1,320 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,779,000 | 1,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $445,000 | 1,560 |
| Cash dividends | $2,350,000 | 1,150 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,778,240 | 1,288 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $28,002,000 | 1,225 |
| Total interest expense | $14,092,000 | 1,181 |
| Net interest income | $13,910,000 | 1,298 |
| Provision for loan and lease losses | $-101,000 | 11,728 |
| Total noninterest income | $2,532,000 | 1,530 |
| Gross Fiduciary activities income | $870,000 | 563 |
| Service charges on deposit accounts | $1,093,000 | 1,222 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $569,000 | 2,634 |
| Total noninterest expense | $16,491,000 | 924 |
| Salaries and employee benefits | $5,932,000 | 1,129 |
| Premises and equipment expense | $1,695,000 | 1,226 |
| Additional noninterest expense | $8,864,000 | 739 |
| Pre-tax net operating income | $52,000 | 11,294 |
| Securities gains (losses) | $215,000 | 647 |
| Applicable income taxes | $-596,000 | 11,879 |
| Income before extraordinary items | $863,000 | 5,158 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $863,000 | 5,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 11,301 |
| Cash dividends | $3,550,000 | 831 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $648,000 | 6,307 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $26,328,000 | 1,193 |
| Total interest expense | $12,471,000 | 1,062 |
| Net interest income | $13,857,000 | 1,307 |
| Provision for loan and lease losses | $-286,000 | 12,385 |
| Total noninterest income | $2,514,000 | 1,553 |
| Gross Fiduciary activities income | $904,000 | 548 |
| Service charges on deposit accounts | $1,013,000 | 1,318 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $597,000 | 2,592 |
| Total noninterest expense | $11,496,000 | 1,289 |
| Salaries and employee benefits | $5,807,000 | 1,168 |
| Premises and equipment expense | $1,539,000 | 1,359 |
| Additional noninterest expense | $4,150,000 | 1,375 |
| Pre-tax net operating income | $5,161,000 | 1,432 |
| Securities gains (losses) | $88,000 | 828 |
| Applicable income taxes | $1,133,000 | 1,989 |
| Income before extraordinary items | $4,116,000 | 1,224 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,116,000 | 1,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,502 |
| Cash dividends | $1,975,000 | 1,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,047,360 | 1,261 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $20,409,000 | 1,535 |
| Total interest expense | $9,655,000 | 1,392 |
| Net interest income | $10,754,000 | 1,689 |
| Provision for loan and lease losses | $-176,000 | 13,017 |
| Total noninterest income | $2,124,000 | 1,886 |
| Gross Fiduciary activities income | $871,000 | 579 |
| Service charges on deposit accounts | $806,000 | 1,704 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $447,000 | 3,505 |
| Total noninterest expense | $8,592,000 | 1,756 |
| Salaries and employee benefits | $4,596,000 | 1,472 |
| Premises and equipment expense | $1,077,000 | 1,923 |
| Additional noninterest expense | $2,919,000 | 1,956 |
| Pre-tax net operating income | $4,462,000 | 1,572 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,018,000 | 2,206 |
| Income before extraordinary items | $3,444,000 | 1,476 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,444,000 | 1,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-179,000 | 13,092 |
| Cash dividends | $3,475,000 | 642 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,444,000 | 1,387 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $18,105,000 | 1,963 |
| Total interest expense | $9,745,000 | 1,750 |
| Net interest income | $8,360,000 | 2,172 |
| Provision for loan and lease losses | $-45,000 | 13,597 |
| Total noninterest income | $1,688,000 | 2,177 |
| Gross Fiduciary activities income | $755,000 | 628 |
| Service charges on deposit accounts | $485,000 | 2,874 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $448,000 | 3,436 |
| Total noninterest expense | $6,559,000 | 2,234 |
| Salaries and employee benefits | $3,725,000 | 1,785 |
| Premises and equipment expense | $809,000 | 2,566 |
| Additional noninterest expense | $2,025,000 | 2,777 |
| Pre-tax net operating income | $3,534,000 | 1,746 |
| Securities gains (losses) | $22,000 | 5,460 |
| Applicable income taxes | $736,000 | 2,820 |
| Income before extraordinary items | $2,820,000 | 1,633 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,820,000 | 1,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 7,015 |
| Cash dividends | $2,000,000 | 832 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,802,620 | 1,523 |
* 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.