Home > Citizens National Bank > Income and Expense
Citizens National Bank, Income and Expense
| 2018-03-31 (YTD Data) | Rank | |
| Total interest income | $687,000 | 4,690 |
| Total interest expense | $107,000 | 4,023 |
| Net interest income | $580,000 | 4,737 |
| Provision for loan and lease losses | $0 | 3,508 |
| Total noninterest income | $27,000 | 5,159 |
| Gross Fiduciary activities income | $0 | 1,003 |
| Service charges on deposit accounts | $2,000 | 5,381 |
| Trading account gains and fees | $0 | 123 |
| Additional Noninterest Income | $25,000 | 4,706 |
| Total noninterest expense | $2,507,000 | 1,924 |
| Salaries and employee benefits | $1,721,000 | 1,653 |
| Premises and equipment expense | $83,000 | 3,959 |
| Additional noninterest expense | $703,000 | 2,034 |
| Pre-tax net operating income | $-1,900,000 | 5,605 |
| Securities gains (losses) | $18,000 | 355 |
| Applicable income taxes | $-375,000 | 5,583 |
| Income before extraordinary items | $-1,507,000 | 5,594 |
| Extraordinary gains, net | $0 | 7 |
| Net income | $-1,507,000 | 5,594 |
| Minority interest net income | $0 | 52 |
| Net income of bank and minority interests. | $-1,507,000 | 5,594 |
| Net charge-offs | $-3,000 | 4,242 |
| Cash dividends | $0 | 2,774 |
| Sale, conversion, retirement of capital stock, net | $0 | 580 |
| Net operating income | $-1,521,400 | 5,595 |
| 2017-12-31 (YTD Data) | Rank | |
| Total interest income | $2,682,000 | 4,722 |
| Total interest expense | $364,000 | 4,126 |
| Net interest income | $2,318,000 | 4,764 |
| Provision for loan and lease losses | $23,000 | 3,914 |
| Total noninterest income | $63,000 | 5,421 |
| Gross Fiduciary activities income | $0 | 1,137 |
| Service charges on deposit accounts | $54,000 | 4,910 |
| Trading account gains and fees | $0 | 151 |
| Additional Noninterest Income | $9,000 | 5,472 |
| Total noninterest expense | $2,650,000 | 4,325 |
| Salaries and employee benefits | $1,403,000 | 4,404 |
| Premises and equipment expense | $134,000 | 5,094 |
| Additional noninterest expense | $1,113,000 | 3,817 |
| Pre-tax net operating income | $-292,000 | 5,538 |
| Securities gains (losses) | $0 | 2,243 |
| Applicable income taxes | $298,000 | 2,757 |
| Income before extraordinary items | $-590,000 | 5,533 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-590,000 | 5,533 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-590,000 | 5,533 |
| Net charge-offs | $17,000 | 3,500 |
| Cash dividends | $0 | 4,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 711 |
| Net operating income | $-590,000 | 5,533 |
| 2017-09-30 (YTD Data) | Rank | |
| Total interest income | $1,990,000 | 4,778 |
| Total interest expense | $264,000 | 4,205 |
| Net interest income | $1,726,000 | 4,818 |
| Provision for loan and lease losses | $5,000 | 3,993 |
| Total noninterest income | $80,000 | 5,304 |
| Gross Fiduciary activities income | $0 | 1,093 |
| Service charges on deposit accounts | $42,000 | 4,933 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $38,000 | 5,187 |
| Total noninterest expense | $1,747,000 | 4,554 |
| Salaries and employee benefits | $1,043,000 | 4,447 |
| Premises and equipment expense | $98,000 | 5,155 |
| Additional noninterest expense | $606,000 | 4,388 |
| Pre-tax net operating income | $54,000 | 5,427 |
| Securities gains (losses) | $0 | 2,274 |
| Applicable income taxes | $19,000 | 3,738 |
| Income before extraordinary items | $35,000 | 5,468 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $35,000 | 5,467 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $35,000 | 5,467 |
| Net charge-offs | $17,000 | 3,057 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 677 |
| Net operating income | $35,000 | 5,462 |
| 2017-06-30 (YTD Data) | Rank | |
| Total interest income | $1,308,000 | 4,822 |
| Total interest expense | $172,000 | 4,220 |
| Net interest income | $1,136,000 | 4,854 |
| Provision for loan and lease losses | $0 | 3,871 |
| Total noninterest income | $54,000 | 5,335 |
| Gross Fiduciary activities income | $0 | 1,079 |
| Service charges on deposit accounts | $28,000 | 4,971 |
| Trading account gains and fees | $0 | 139 |
| Additional Noninterest Income | $26,000 | 5,208 |
| Total noninterest expense | $1,163,000 | 4,583 |
| Salaries and employee benefits | $686,000 | 4,498 |
| Premises and equipment expense | $68,000 | 5,145 |
| Additional noninterest expense | $409,000 | 4,388 |
| Pre-tax net operating income | $27,000 | 5,497 |
| Securities gains (losses) | $0 | 1,906 |
| Applicable income taxes | $9,000 | 3,839 |
| Income before extraordinary items | $18,000 | 5,520 |
| Extraordinary gains, net | $0 | 11 |
| Net income | $18,000 | 5,520 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $18,000 | 5,520 |
| Net charge-offs | $19,000 | 2,606 |
| Cash dividends | $0 | 3,544 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $18,000 | 5,516 |
| 2017-03-31 (YTD Data) | Rank | |
| Total interest income | $642,000 | 4,881 |
| Total interest expense | $86,000 | 4,226 |
| Net interest income | $556,000 | 4,922 |
| Provision for loan and lease losses | $0 | 3,537 |
| Total noninterest income | $23,000 | 5,463 |
| Gross Fiduciary activities income | $0 | 1,045 |
| Service charges on deposit accounts | $11,000 | 5,151 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $12,000 | 5,287 |
| Total noninterest expense | $561,000 | 4,686 |
| Salaries and employee benefits | $330,000 | 4,599 |
| Premises and equipment expense | $33,000 | 5,214 |
| Additional noninterest expense | $198,000 | 4,492 |
| Pre-tax net operating income | $18,000 | 5,507 |
| Securities gains (losses) | $0 | 1,153 |
| Applicable income taxes | $6,000 | 3,734 |
| Income before extraordinary items | $12,000 | 5,545 |
| Extraordinary gains, net | $0 | 8 |
| Net income | $12,000 | 5,544 |
| Minority interest net income | $0 | 55 |
| Net income of bank and minority interests. | $12,000 | 5,544 |
| Net charge-offs | $-1,000 | 3,990 |
| Cash dividends | $0 | 2,846 |
| Sale, conversion, retirement of capital stock, net | $0 | 632 |
| Net operating income | $12,000 | 5,540 |
| 2016-12-31 (YTD Data) | Rank | |
| Total interest income | $2,669,000 | 4,856 |
| Total interest expense | $380,000 | 4,108 |
| Net interest income | $2,289,000 | 4,910 |
| Provision for loan and lease losses | $0 | 4,332 |
| Total noninterest income | $65,000 | 5,661 |
| Gross Fiduciary activities income | $0 | 1,172 |
| Service charges on deposit accounts | $58,000 | 5,066 |
| Trading account gains and fees | $0 | 170 |
| Additional Noninterest Income | $7,000 | 5,717 |
| Total noninterest expense | $2,243,000 | 4,724 |
| Salaries and employee benefits | $1,307,000 | 4,625 |
| Premises and equipment expense | $129,000 | 5,315 |
| Additional noninterest expense | $807,000 | 4,537 |
| Pre-tax net operating income | $111,000 | 5,473 |
| Securities gains (losses) | $34,000 | 2,083 |
| Applicable income taxes | $0 | 4,278 |
| Income before extraordinary items | $145,000 | 5,413 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $145,000 | 5,411 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $145,000 | 5,412 |
| Net charge-offs | $-9,000 | 4,966 |
| Cash dividends | $0 | 4,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 759 |
| Net operating income | $111,000 | 5,451 |
| 2016-09-30 (YTD Data) | Rank | |
| Total interest income | $2,021,000 | 4,894 |
| Total interest expense | $290,000 | 4,111 |
| Net interest income | $1,731,000 | 4,939 |
| Provision for loan and lease losses | $0 | 4,186 |
| Total noninterest income | $65,000 | 5,626 |
| Gross Fiduciary activities income | $0 | 1,132 |
| Service charges on deposit accounts | $45,000 | 5,091 |
| Trading account gains and fees | $0 | 169 |
| Additional Noninterest Income | $20,000 | 5,581 |
| Total noninterest expense | $1,688,000 | 4,745 |
| Salaries and employee benefits | $986,000 | 4,630 |
| Premises and equipment expense | $97,000 | 5,368 |
| Additional noninterest expense | $605,000 | 4,573 |
| Pre-tax net operating income | $108,000 | 5,485 |
| Securities gains (losses) | $34,000 | 2,017 |
| Applicable income taxes | $0 | 4,325 |
| Income before extraordinary items | $142,000 | 5,430 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $142,000 | 5,429 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $142,000 | 5,430 |
| Net charge-offs | $-12,000 | 4,973 |
| Cash dividends | $0 | 3,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 719 |
| Net operating income | $108,000 | 5,458 |
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $1,358,000 | 4,933 |
| Total interest expense | $197,000 | 4,102 |
| Net interest income | $1,161,000 | 4,981 |
| Provision for loan and lease losses | $0 | 4,017 |
| Total noninterest income | $45,000 | 5,667 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $29,000 | 5,147 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $16,000 | 5,597 |
| Total noninterest expense | $1,142,000 | 4,772 |
| Salaries and employee benefits | $665,000 | 4,650 |
| Premises and equipment expense | $65,000 | 5,408 |
| Additional noninterest expense | $412,000 | 4,574 |
| Pre-tax net operating income | $64,000 | 5,581 |
| Securities gains (losses) | $0 | 2,835 |
| Applicable income taxes | $0 | 4,338 |
| Income before extraordinary items | $64,000 | 5,596 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $64,000 | 5,594 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $64,000 | 5,595 |
| Net charge-offs | $-10,000 | 4,971 |
| Cash dividends | $0 | 3,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 705 |
| Net operating income | $64,000 | 5,551 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $680,000 | 4,974 |
| Total interest expense | $100,000 | 4,093 |
| Net interest income | $580,000 | 5,020 |
| Provision for loan and lease losses | $0 | 3,656 |
| Total noninterest income | $18,000 | 5,787 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $16,000 | 5,063 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $2,000 | 5,890 |
| Total noninterest expense | $556,000 | 4,853 |
| Salaries and employee benefits | $320,000 | 4,746 |
| Premises and equipment expense | $32,000 | 5,453 |
| Additional noninterest expense | $204,000 | 4,632 |
| Pre-tax net operating income | $42,000 | 5,537 |
| Securities gains (losses) | $0 | 2,077 |
| Applicable income taxes | $0 | 4,259 |
| Income before extraordinary items | $42,000 | 5,526 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $42,000 | 5,526 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $42,000 | 5,526 |
| Net charge-offs | $-10,000 | 5,188 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $42,000 | 5,479 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $2,838,000 | 4,927 |
| Total interest expense | $436,000 | 3,984 |
| Net interest income | $2,402,000 | 4,979 |
| Provision for loan and lease losses | $31,000 | 3,858 |
| Total noninterest income | $100,000 | 5,691 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $63,000 | 5,203 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $37,000 | 5,631 |
| Total noninterest expense | $2,291,000 | 4,847 |
| Salaries and employee benefits | $1,364,000 | 4,679 |
| Premises and equipment expense | $139,000 | 5,480 |
| Additional noninterest expense | $788,000 | 4,734 |
| Pre-tax net operating income | $180,000 | 5,507 |
| Securities gains (losses) | $28,000 | 2,030 |
| Applicable income taxes | $0 | 4,402 |
| Income before extraordinary items | $208,000 | 5,449 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $208,000 | 5,451 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $208,000 | 5,452 |
| Net charge-offs | $13,000 | 3,925 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $180,000 | 5,468 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $2,154,000 | 4,970 |
| Total interest expense | $332,000 | 4,015 |
| Net interest income | $1,822,000 | 5,018 |
| Provision for loan and lease losses | $31,000 | 3,598 |
| Total noninterest income | $70,000 | 5,819 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $48,000 | 5,240 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $22,000 | 5,778 |
| Total noninterest expense | $1,713,000 | 4,880 |
| Salaries and employee benefits | $1,020,000 | 4,711 |
| Premises and equipment expense | $102,000 | 5,565 |
| Additional noninterest expense | $591,000 | 4,770 |
| Pre-tax net operating income | $148,000 | 5,602 |
| Securities gains (losses) | $10,000 | 2,368 |
| Applicable income taxes | $0 | 4,489 |
| Income before extraordinary items | $158,000 | 5,556 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $158,000 | 5,558 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $158,000 | 5,559 |
| Net charge-offs | $16,000 | 3,459 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $148,000 | 5,546 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $1,466,000 | 4,975 |
| Total interest expense | $226,000 | 4,007 |
| Net interest income | $1,240,000 | 5,033 |
| Provision for loan and lease losses | $31,000 | 3,177 |
| Total noninterest income | $45,000 | 5,880 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $32,000 | 5,268 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $13,000 | 5,867 |
| Total noninterest expense | $1,144,000 | 4,930 |
| Salaries and employee benefits | $687,000 | 4,741 |
| Premises and equipment expense | $70,000 | 5,582 |
| Additional noninterest expense | $387,000 | 4,839 |
| Pre-tax net operating income | $110,000 | 5,584 |
| Securities gains (losses) | $10,000 | 2,017 |
| Applicable income taxes | $0 | 4,497 |
| Income before extraordinary items | $120,000 | 5,503 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $120,000 | 5,503 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $120,000 | 5,505 |
| Net charge-offs | $0 | 3,893 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $110,000 | 5,515 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $721,000 | 5,037 |
| Total interest expense | $114,000 | 4,033 |
| Net interest income | $607,000 | 5,088 |
| Provision for loan and lease losses | $14,000 | 3,137 |
| Total noninterest income | $24,000 | 5,881 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $15,000 | 5,349 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $9,000 | 5,828 |
| Total noninterest expense | $564,000 | 4,986 |
| Salaries and employee benefits | $338,000 | 4,805 |
| Premises and equipment expense | $35,000 | 5,621 |
| Additional noninterest expense | $191,000 | 4,890 |
| Pre-tax net operating income | $53,000 | 5,597 |
| Securities gains (losses) | $10,000 | 1,480 |
| Applicable income taxes | $0 | 4,400 |
| Income before extraordinary items | $63,000 | 5,486 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $63,000 | 5,487 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $63,000 | 5,487 |
| Net charge-offs | $0 | 3,288 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $53,000 | 5,527 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $2,992,000 | 5,057 |
| Total interest expense | $495,000 | 4,031 |
| Net interest income | $2,497,000 | 5,122 |
| Provision for loan and lease losses | $50,000 | 3,764 |
| Total noninterest income | $93,000 | 6,015 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $69,000 | 5,405 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $24,000 | 5,995 |
| Total noninterest expense | $2,287,000 | 5,044 |
| Salaries and employee benefits | $1,323,000 | 4,899 |
| Premises and equipment expense | $132,000 | 5,832 |
| Additional noninterest expense | $832,000 | 4,831 |
| Pre-tax net operating income | $253,000 | 5,563 |
| Securities gains (losses) | $37,000 | 1,949 |
| Applicable income taxes | $0 | 4,531 |
| Income before extraordinary items | $290,000 | 5,426 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $290,000 | 5,425 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $290,000 | 5,426 |
| Net charge-offs | $190,000 | 2,520 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $253,000 | 5,481 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $2,246,000 | 5,105 |
| Total interest expense | $375,000 | 4,075 |
| Net interest income | $1,871,000 | 5,186 |
| Provision for loan and lease losses | $50,000 | 3,379 |
| Total noninterest income | $51,000 | 6,248 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $50,000 | 5,511 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $1,000 | 6,342 |
| Total noninterest expense | $1,715,000 | 5,077 |
| Salaries and employee benefits | $992,000 | 4,919 |
| Premises and equipment expense | $97,000 | 5,903 |
| Additional noninterest expense | $626,000 | 4,848 |
| Pre-tax net operating income | $157,000 | 5,734 |
| Securities gains (losses) | $37,000 | 1,650 |
| Applicable income taxes | $0 | 4,583 |
| Income before extraordinary items | $194,000 | 5,579 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $194,000 | 5,578 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $194,000 | 5,579 |
| Net charge-offs | $190,000 | 2,050 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $157,000 | 5,671 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $1,476,000 | 5,151 |
| Total interest expense | $251,000 | 4,109 |
| Net interest income | $1,225,000 | 5,231 |
| Provision for loan and lease losses | $30,000 | 3,313 |
| Total noninterest income | $81,000 | 5,706 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $32,000 | 5,569 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $49,000 | 5,360 |
| Total noninterest expense | $1,148,000 | 5,109 |
| Salaries and employee benefits | $665,000 | 4,950 |
| Premises and equipment expense | $65,000 | 5,944 |
| Additional noninterest expense | $418,000 | 4,874 |
| Pre-tax net operating income | $128,000 | 5,661 |
| Securities gains (losses) | $1,000 | 2,460 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $129,000 | 5,593 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $129,000 | 5,595 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $129,000 | 5,596 |
| Net charge-offs | $190,000 | 1,629 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $128,000 | 5,554 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $734,000 | 5,204 |
| Total interest expense | $126,000 | 4,153 |
| Net interest income | $608,000 | 5,292 |
| Provision for loan and lease losses | $19,000 | 3,021 |
| Total noninterest income | $26,000 | 6,085 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $16,000 | 5,587 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $10,000 | 5,976 |
| Total noninterest expense | $529,000 | 5,314 |
| Salaries and employee benefits | $328,000 | 5,039 |
| Premises and equipment expense | $32,000 | 6,010 |
| Additional noninterest expense | $169,000 | 5,319 |
| Pre-tax net operating income | $86,000 | 5,400 |
| Securities gains (losses) | $1,000 | 1,605 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $87,000 | 5,290 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $87,000 | 5,291 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $87,000 | 5,291 |
| Net charge-offs | $190,000 | 983 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $86,000 | 5,266 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $2,895,000 | 5,291 |
| Total interest expense | $638,000 | 3,962 |
| Net interest income | $2,257,000 | 5,443 |
| Provision for loan and lease losses | $491,000 | 1,868 |
| Total noninterest income | $-63,000 | 6,698 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $73,000 | 5,616 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $-136,000 | 6,638 |
| Total noninterest expense | $2,114,000 | 5,373 |
| Salaries and employee benefits | $1,222,000 | 5,230 |
| Premises and equipment expense | $135,000 | 6,039 |
| Additional noninterest expense | $757,000 | 5,180 |
| Pre-tax net operating income | $-411,000 | 6,450 |
| Securities gains (losses) | $77,000 | 1,506 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $-334,000 | 6,442 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-334,000 | 6,442 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-334,000 | 6,443 |
| Net charge-offs | $220,000 | 2,911 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $-411,000 | 6,460 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $2,175,000 | 5,348 |
| Total interest expense | $498,000 | 3,945 |
| Net interest income | $1,677,000 | 5,511 |
| Provision for loan and lease losses | $158,000 | 2,881 |
| Total noninterest income | $-10,000 | 6,772 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $55,000 | 5,681 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $-65,000 | 6,706 |
| Total noninterest expense | $1,523,000 | 5,459 |
| Salaries and employee benefits | $911,000 | 5,258 |
| Premises and equipment expense | $101,000 | 6,087 |
| Additional noninterest expense | $511,000 | 5,401 |
| Pre-tax net operating income | $-14,000 | 6,313 |
| Securities gains (losses) | $77,000 | 1,391 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $63,000 | 6,156 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $63,000 | 6,157 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $63,000 | 6,156 |
| Net charge-offs | $81,000 | 3,450 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-14,000 | 6,322 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $1,435,000 | 5,382 |
| Total interest expense | $344,000 | 3,933 |
| Net interest income | $1,091,000 | 5,571 |
| Provision for loan and lease losses | $151,000 | 2,424 |
| Total noninterest income | $58,000 | 6,209 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $37,000 | 5,683 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $21,000 | 6,075 |
| Total noninterest expense | $997,000 | 5,529 |
| Salaries and employee benefits | $599,000 | 5,309 |
| Premises and equipment expense | $69,000 | 6,102 |
| Additional noninterest expense | $329,000 | 5,460 |
| Pre-tax net operating income | $1,000 | 6,286 |
| Securities gains (losses) | $77,000 | 1,272 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $78,000 | 5,980 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $78,000 | 5,981 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $78,000 | 5,982 |
| Net charge-offs | $81,000 | 2,949 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $1,000 | 6,298 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $707,000 | 5,450 |
| Total interest expense | $174,000 | 4,001 |
| Net interest income | $533,000 | 5,657 |
| Provision for loan and lease losses | $124,000 | 1,877 |
| Total noninterest income | $30,000 | 6,199 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $20,000 | 5,591 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $10,000 | 6,142 |
| Total noninterest expense | $491,000 | 5,603 |
| Salaries and employee benefits | $290,000 | 5,405 |
| Premises and equipment expense | $34,000 | 6,149 |
| Additional noninterest expense | $167,000 | 5,500 |
| Pre-tax net operating income | $-52,000 | 6,538 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $-52,000 | 6,593 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-52,000 | 6,594 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-52,000 | 6,594 |
| Net charge-offs | $72,000 | 2,149 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-52,000 | 6,547 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $2,916,000 | 5,525 |
| Total interest expense | $776,000 | 4,178 |
| Net interest income | $2,140,000 | 5,762 |
| Provision for loan and lease losses | $88,000 | 4,810 |
| Total noninterest income | $90,000 | 6,356 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $81,000 | 5,710 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $9,000 | 6,419 |
| Total noninterest expense | $1,972,000 | 5,675 |
| Salaries and employee benefits | $1,048,000 | 5,616 |
| Premises and equipment expense | $119,000 | 6,373 |
| Additional noninterest expense | $805,000 | 5,257 |
| Pre-tax net operating income | $170,000 | 5,749 |
| Securities gains (losses) | $73,000 | 2,490 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $243,000 | 5,646 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $243,000 | 5,643 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $243,000 | 5,644 |
| Net charge-offs | $107,000 | 4,366 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $170,000 | 5,702 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $2,187,000 | 5,617 |
| Total interest expense | $594,000 | 4,259 |
| Net interest income | $1,593,000 | 5,860 |
| Provision for loan and lease losses | $48,000 | 4,971 |
| Total noninterest income | $65,000 | 6,496 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $62,000 | 5,753 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $3,000 | 6,611 |
| Total noninterest expense | $1,488,000 | 5,705 |
| Salaries and employee benefits | $782,000 | 5,664 |
| Premises and equipment expense | $88,000 | 6,460 |
| Additional noninterest expense | $618,000 | 5,266 |
| Pre-tax net operating income | $122,000 | 5,941 |
| Securities gains (losses) | $73,000 | 2,201 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $195,000 | 5,742 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $195,000 | 5,741 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $195,000 | 5,741 |
| Net charge-offs | $58,000 | 4,416 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $122,000 | 5,897 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,459,000 | 5,666 |
| Total interest expense | $401,000 | 4,324 |
| Net interest income | $1,058,000 | 5,904 |
| Provision for loan and lease losses | $28,000 | 4,983 |
| Total noninterest income | $32,000 | 6,720 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $40,000 | 5,819 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-8,000 | 6,831 |
| Total noninterest expense | $998,000 | 5,741 |
| Salaries and employee benefits | $527,000 | 5,690 |
| Premises and equipment expense | $58,000 | 6,511 |
| Additional noninterest expense | $413,000 | 5,288 |
| Pre-tax net operating income | $64,000 | 6,038 |
| Securities gains (losses) | $43,000 | 2,152 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $107,000 | 5,897 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $107,000 | 5,897 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $107,000 | 5,897 |
| Net charge-offs | $58,000 | 3,900 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $64,000 | 6,012 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $723,000 | 5,727 |
| Total interest expense | $201,000 | 4,443 |
| Net interest income | $522,000 | 5,963 |
| Provision for loan and lease losses | $10,000 | 4,833 |
| Total noninterest income | $29,000 | 6,386 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $17,000 | 6,021 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $12,000 | 6,109 |
| Total noninterest expense | $498,000 | 5,773 |
| Salaries and employee benefits | $262,000 | 5,750 |
| Premises and equipment expense | $30,000 | 6,501 |
| Additional noninterest expense | $206,000 | 5,285 |
| Pre-tax net operating income | $43,000 | 6,009 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $43,000 | 6,060 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $43,000 | 6,060 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $43,000 | 6,060 |
| Net charge-offs | $-29,000 | 6,967 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $43,000 | 5,920 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $2,789,000 | 5,889 |
| Total interest expense | $828,000 | 4,835 |
| Net interest income | $1,961,000 | 6,119 |
| Provision for loan and lease losses | $273,000 | 4,260 |
| Total noninterest income | $119,000 | 6,284 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $71,000 | 5,961 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $48,000 | 5,944 |
| Total noninterest expense | $1,883,000 | 5,926 |
| Salaries and employee benefits | $1,031,000 | 5,813 |
| Premises and equipment expense | $131,000 | 6,567 |
| Additional noninterest expense | $721,000 | 5,619 |
| Pre-tax net operating income | $-76,000 | 6,114 |
| Securities gains (losses) | $194,000 | 1,484 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $118,000 | 5,813 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $118,000 | 5,815 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $118,000 | 5,815 |
| Net charge-offs | $344,000 | 3,641 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-76,000 | 6,152 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,079,000 | 5,957 |
| Total interest expense | $625,000 | 4,949 |
| Net interest income | $1,454,000 | 6,177 |
| Provision for loan and lease losses | $252,000 | 3,846 |
| Total noninterest income | $88,000 | 6,374 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $50,000 | 6,073 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $38,000 | 6,022 |
| Total noninterest expense | $1,410,000 | 5,964 |
| Salaries and employee benefits | $780,000 | 5,813 |
| Premises and equipment expense | $93,000 | 6,666 |
| Additional noninterest expense | $537,000 | 5,676 |
| Pre-tax net operating income | $-120,000 | 6,314 |
| Securities gains (losses) | $183,000 | 1,278 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $63,000 | 6,040 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $63,000 | 6,041 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $63,000 | 6,041 |
| Net charge-offs | $111,000 | 4,326 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-120,000 | 6,350 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,369,000 | 6,033 |
| Total interest expense | $421,000 | 5,046 |
| Net interest income | $948,000 | 6,259 |
| Provision for loan and lease losses | $43,000 | 5,248 |
| Total noninterest income | $57,000 | 6,449 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $33,000 | 6,080 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $24,000 | 6,112 |
| Total noninterest expense | $933,000 | 6,040 |
| Salaries and employee benefits | $523,000 | 5,852 |
| Premises and equipment expense | $59,000 | 6,768 |
| Additional noninterest expense | $351,000 | 5,804 |
| Pre-tax net operating income | $29,000 | 6,046 |
| Securities gains (losses) | $35,000 | 1,800 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $64,000 | 5,922 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $64,000 | 5,921 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $64,000 | 5,922 |
| Net charge-offs | $71,000 | 4,170 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $29,000 | 6,058 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $676,000 | 6,098 |
| Total interest expense | $210,000 | 5,134 |
| Net interest income | $466,000 | 6,321 |
| Provision for loan and lease losses | $23,000 | 4,913 |
| Total noninterest income | $29,000 | 6,517 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $16,000 | 6,075 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $13,000 | 6,201 |
| Total noninterest expense | $470,000 | 6,059 |
| Salaries and employee benefits | $266,000 | 5,861 |
| Premises and equipment expense | $30,000 | 6,806 |
| Additional noninterest expense | $174,000 | 5,854 |
| Pre-tax net operating income | $2,000 | 6,305 |
| Securities gains (losses) | $20,000 | 1,097 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $22,000 | 6,098 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $22,000 | 6,097 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $22,000 | 6,098 |
| Net charge-offs | $71,000 | 3,061 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $2,000 | 6,321 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,818,000 | 6,155 |
| Total interest expense | $912,000 | 5,433 |
| Net interest income | $1,906,000 | 6,325 |
| Provision for loan and lease losses | $91,000 | 6,092 |
| Total noninterest income | $143,000 | 6,336 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $93,000 | 5,568 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $50,000 | 6,107 |
| Total noninterest expense | $1,906,000 | 6,101 |
| Salaries and employee benefits | $1,071,000 | 5,888 |
| Premises and equipment expense | $127,000 | 6,826 |
| Additional noninterest expense | $708,000 | 5,870 |
| Pre-tax net operating income | $52,000 | 5,619 |
| Securities gains (losses) | $99,000 | 2,168 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $151,000 | 5,446 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $151,000 | 5,445 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $151,000 | 5,447 |
| Net charge-offs | $157,000 | 5,010 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $52,000 | 5,654 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,133,000 | 6,251 |
| Total interest expense | $693,000 | 5,553 |
| Net interest income | $1,440,000 | 6,400 |
| Provision for loan and lease losses | $40,000 | 6,403 |
| Total noninterest income | $110,000 | 6,432 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $72,000 | 5,624 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $38,000 | 6,249 |
| Total noninterest expense | $1,410,000 | 6,174 |
| Salaries and employee benefits | $786,000 | 5,982 |
| Premises and equipment expense | $93,000 | 6,938 |
| Additional noninterest expense | $531,000 | 5,906 |
| Pre-tax net operating income | $100,000 | 5,617 |
| Securities gains (losses) | $76,000 | 2,156 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $176,000 | 5,402 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $176,000 | 5,404 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $176,000 | 5,405 |
| Net charge-offs | $134,000 | 4,618 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $100,000 | 5,574 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,442,000 | 6,274 |
| Total interest expense | $472,000 | 5,607 |
| Net interest income | $970,000 | 6,423 |
| Provision for loan and lease losses | $10,000 | 6,617 |
| Total noninterest income | $75,000 | 6,441 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $45,000 | 5,737 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $30,000 | 6,144 |
| Total noninterest expense | $932,000 | 6,230 |
| Salaries and employee benefits | $520,000 | 6,036 |
| Premises and equipment expense | $63,000 | 6,957 |
| Additional noninterest expense | $349,000 | 5,961 |
| Pre-tax net operating income | $103,000 | 5,491 |
| Securities gains (losses) | $20,000 | 2,363 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $123,000 | 5,399 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $123,000 | 5,401 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $123,000 | 5,401 |
| Net charge-offs | $80,000 | 4,475 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $103,000 | 5,407 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $713,000 | 6,368 |
| Total interest expense | $243,000 | 5,661 |
| Net interest income | $470,000 | 6,540 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $38,000 | 6,463 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $3,000 | 6,921 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $35,000 | 5,238 |
| Total noninterest expense | $469,000 | 6,295 |
| Salaries and employee benefits | $266,000 | 6,075 |
| Premises and equipment expense | $34,000 | 6,958 |
| Additional noninterest expense | $169,000 | 6,072 |
| Pre-tax net operating income | $39,000 | 5,790 |
| Securities gains (losses) | $7,000 | 1,814 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $46,000 | 5,757 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $46,000 | 5,758 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $46,000 | 5,757 |
| Net charge-offs | $6,000 | 5,069 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $39,000 | 5,748 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,981,000 | 6,355 |
| Total interest expense | $1,134,000 | 5,768 |
| Net interest income | $1,847,000 | 6,513 |
| Provision for loan and lease losses | $1,194,000 | 3,222 |
| Total noninterest income | $157,000 | 6,525 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $95,000 | 5,827 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $62,000 | 6,155 |
| Total noninterest expense | $1,966,000 | 6,274 |
| Salaries and employee benefits | $1,138,000 | 5,969 |
| Premises and equipment expense | $123,000 | 7,162 |
| Additional noninterest expense | $705,000 | 6,117 |
| Pre-tax net operating income | $-1,156,000 | 6,311 |
| Securities gains (losses) | $67,000 | 2,433 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-1,089,000 | 6,399 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,089,000 | 6,400 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,089,000 | 6,400 |
| Net charge-offs | $1,001,000 | 2,860 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,156,000 | 6,426 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,268,000 | 6,404 |
| Total interest expense | $866,000 | 5,872 |
| Net interest income | $1,402,000 | 6,523 |
| Provision for loan and lease losses | $763,000 | 3,165 |
| Total noninterest income | $118,000 | 6,643 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $75,000 | 5,800 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $43,000 | 6,371 |
| Total noninterest expense | $1,362,000 | 6,468 |
| Salaries and employee benefits | $788,000 | 6,167 |
| Premises and equipment expense | $92,000 | 7,231 |
| Additional noninterest expense | $482,000 | 6,341 |
| Pre-tax net operating income | $-605,000 | 6,406 |
| Securities gains (losses) | $67,000 | 2,106 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-538,000 | 6,459 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-538,000 | 6,460 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-538,000 | 6,459 |
| Net charge-offs | $21,000 | 6,217 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-605,000 | 6,494 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,500,000 | 6,478 |
| Total interest expense | $601,000 | 5,913 |
| Net interest income | $899,000 | 6,630 |
| Provision for loan and lease losses | $125,000 | 4,998 |
| Total noninterest income | $77,000 | 6,732 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $50,000 | 5,799 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $27,000 | 6,503 |
| Total noninterest expense | $909,000 | 6,508 |
| Salaries and employee benefits | $526,000 | 6,231 |
| Premises and equipment expense | $62,000 | 7,283 |
| Additional noninterest expense | $321,000 | 6,355 |
| Pre-tax net operating income | $-58,000 | 5,992 |
| Securities gains (losses) | $50,000 | 1,909 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-8,000 | 5,948 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-8,000 | 5,947 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-8,000 | 5,947 |
| Net charge-offs | $9,000 | 6,044 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-58,000 | 6,041 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $754,000 | 6,500 |
| Total interest expense | $302,000 | 5,998 |
| Net interest income | $452,000 | 6,626 |
| Provision for loan and lease losses | $37,000 | 5,262 |
| Total noninterest income | $38,000 | 6,716 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $26,000 | 5,712 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $12,000 | 6,706 |
| Total noninterest expense | $440,000 | 6,565 |
| Salaries and employee benefits | $262,000 | 6,293 |
| Premises and equipment expense | $31,000 | 7,320 |
| Additional noninterest expense | $147,000 | 6,365 |
| Pre-tax net operating income | $13,000 | 6,091 |
| Securities gains (losses) | $35,000 | 1,454 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $48,000 | 5,713 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $48,000 | 5,716 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $48,000 | 5,716 |
| Net charge-offs | $6,000 | 5,032 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $13,000 | 6,092 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,126,000 | 6,540 |
| Total interest expense | $1,319,000 | 6,237 |
| Net interest income | $1,807,000 | 6,636 |
| Provision for loan and lease losses | $128,000 | 5,745 |
| Total noninterest income | $203,000 | 6,465 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $146,000 | 5,365 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $57,000 | 6,626 |
| Total noninterest expense | $1,721,000 | 6,581 |
| Salaries and employee benefits | $996,000 | 6,423 |
| Premises and equipment expense | $139,000 | 7,241 |
| Additional noninterest expense | $586,000 | 6,279 |
| Pre-tax net operating income | $161,000 | 5,854 |
| Securities gains (losses) | $26,000 | 2,023 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $187,000 | 5,531 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $187,000 | 5,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,900 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $161,000 | 5,784 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,339,000 | 6,609 |
| Total interest expense | $997,000 | 6,340 |
| Net interest income | $1,342,000 | 6,703 |
| Provision for loan and lease losses | $55,000 | 5,792 |
| Total noninterest income | $155,000 | 6,543 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $110,000 | 5,401 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $45,000 | 6,722 |
| Total noninterest expense | $1,293,000 | 6,585 |
| Salaries and employee benefits | $746,000 | 6,453 |
| Premises and equipment expense | $105,000 | 7,295 |
| Additional noninterest expense | $442,000 | 6,230 |
| Pre-tax net operating income | $149,000 | 6,228 |
| Securities gains (losses) | $26,000 | 1,844 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $175,000 | 5,830 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $175,000 | 5,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,778 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $149,000 | 6,117 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,557,000 | 6,681 |
| Total interest expense | $682,000 | 6,407 |
| Net interest income | $875,000 | 6,770 |
| Provision for loan and lease losses | $25,000 | 5,815 |
| Total noninterest income | $103,000 | 6,612 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $72,000 | 5,440 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $31,000 | 6,744 |
| Total noninterest expense | $867,000 | 6,620 |
| Salaries and employee benefits | $500,000 | 6,487 |
| Premises and equipment expense | $73,000 | 7,289 |
| Additional noninterest expense | $294,000 | 6,235 |
| Pre-tax net operating income | $86,000 | 6,480 |
| Securities gains (losses) | $17,000 | 2,146 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $103,000 | 6,323 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $103,000 | 6,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,485 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $86,000 | 6,388 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $770,000 | 6,795 |
| Total interest expense | $354,000 | 6,489 |
| Net interest income | $416,000 | 6,931 |
| Provision for loan and lease losses | $10,000 | 5,419 |
| Total noninterest income | $50,000 | 6,671 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $36,000 | 5,409 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $14,000 | 6,895 |
| Total noninterest expense | $432,000 | 6,647 |
| Salaries and employee benefits | $251,000 | 6,510 |
| Premises and equipment expense | $40,000 | 7,158 |
| Additional noninterest expense | $141,000 | 6,341 |
| Pre-tax net operating income | $24,000 | 6,919 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $24,000 | 6,962 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $24,000 | 6,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,454 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $24,000 | 6,868 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,295,000 | 6,650 |
| Total interest expense | $1,559,000 | 6,351 |
| Net interest income | $1,736,000 | 6,834 |
| Provision for loan and lease losses | $71,000 | 5,334 |
| Total noninterest income | $214,000 | 6,654 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $149,000 | 5,436 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $65,000 | 6,796 |
| Total noninterest expense | $1,669,000 | 6,659 |
| Salaries and employee benefits | $970,000 | 6,508 |
| Premises and equipment expense | $148,000 | 7,268 |
| Additional noninterest expense | $551,000 | 6,355 |
| Pre-tax net operating income | $210,000 | 6,846 |
| Securities gains (losses) | $18,000 | 1,138 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $228,000 | 6,696 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $228,000 | 6,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,582 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $210,000 | 6,738 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,440,000 | 6,711 |
| Total interest expense | $1,167,000 | 6,380 |
| Net interest income | $1,273,000 | 6,917 |
| Provision for loan and lease losses | $39,000 | 5,365 |
| Total noninterest income | $156,000 | 6,716 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $98,000 | 5,666 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $58,000 | 6,594 |
| Total noninterest expense | $1,265,000 | 6,636 |
| Salaries and employee benefits | $738,000 | 6,476 |
| Premises and equipment expense | $113,000 | 7,242 |
| Additional noninterest expense | $414,000 | 6,306 |
| Pre-tax net operating income | $125,000 | 7,232 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $125,000 | 7,151 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $125,000 | 7,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,961 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $125,000 | 7,139 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,598,000 | 6,786 |
| Total interest expense | $765,000 | 6,442 |
| Net interest income | $833,000 | 7,000 |
| Provision for loan and lease losses | $21,000 | 5,289 |
| Total noninterest income | $97,000 | 6,887 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $8,000 | 7,273 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $89,000 | 5,328 |
| Total noninterest expense | $832,000 | 6,720 |
| Salaries and employee benefits | $492,000 | 6,523 |
| Premises and equipment expense | $75,000 | 7,264 |
| Additional noninterest expense | $265,000 | 6,441 |
| Pre-tax net operating income | $77,000 | 7,375 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $77,000 | 7,288 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $77,000 | 7,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,113 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $77,000 | 7,279 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $764,000 | 6,913 |
| Total interest expense | $363,000 | 6,562 |
| Net interest income | $401,000 | 7,093 |
| Provision for loan and lease losses | $3,000 | 5,535 |
| Total noninterest income | $52,000 | 6,764 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $4,000 | 7,300 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $48,000 | 5,190 |
| Total noninterest expense | $409,000 | 6,782 |
| Salaries and employee benefits | $245,000 | 6,573 |
| Premises and equipment expense | $37,000 | 7,309 |
| Additional noninterest expense | $127,000 | 6,553 |
| Pre-tax net operating income | $41,000 | 7,399 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $41,000 | 7,286 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $41,000 | 7,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $41,000 | 7,279 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,464,000 | 7,175 |
| Total interest expense | $1,115,000 | 6,723 |
| Net interest income | $1,349,000 | 7,381 |
| Provision for loan and lease losses | $72,000 | 5,138 |
| Total noninterest income | $260,000 | 6,469 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $15,000 | 7,347 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $245,000 | 4,698 |
| Total noninterest expense | $1,385,000 | 7,078 |
| Salaries and employee benefits | $792,000 | 6,983 |
| Premises and equipment expense | $141,000 | 7,362 |
| Additional noninterest expense | $452,000 | 6,786 |
| Pre-tax net operating income | $152,000 | 7,550 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $152,000 | 7,478 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $152,000 | 7,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $152,000 | 7,474 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,741,000 | 7,318 |
| Total interest expense | $773,000 | 6,855 |
| Net interest income | $968,000 | 7,535 |
| Provision for loan and lease losses | $42,000 | 5,348 |
| Total noninterest income | $185,000 | 6,607 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $11,000 | 7,422 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $174,000 | 4,834 |
| Total noninterest expense | $1,009,000 | 7,148 |
| Salaries and employee benefits | $563,000 | 7,106 |
| Premises and equipment expense | $106,000 | 7,370 |
| Additional noninterest expense | $340,000 | 6,790 |
| Pre-tax net operating income | $102,000 | 7,800 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $102,000 | 7,712 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $102,000 | 7,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $102,000 | 7,712 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,099,000 | 7,442 |
| Total interest expense | $477,000 | 6,943 |
| Net interest income | $622,000 | 7,628 |
| Provision for loan and lease losses | $22,000 | 5,468 |
| Total noninterest income | $126,000 | 6,576 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $8,000 | 7,453 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $118,000 | 4,784 |
| Total noninterest expense | $672,000 | 7,188 |
| Salaries and employee benefits | $376,000 | 7,128 |
| Premises and equipment expense | $71,000 | 7,393 |
| Additional noninterest expense | $225,000 | 6,847 |
| Pre-tax net operating income | $54,000 | 7,931 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $54,000 | 7,876 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $54,000 | 7,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $54,000 | 7,885 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $523,000 | 7,524 |
| Total interest expense | $227,000 | 6,988 |
| Net interest income | $296,000 | 7,729 |
| Provision for loan and lease losses | $5,000 | 5,672 |
| Total noninterest income | $66,000 | 6,440 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $4,000 | 7,476 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $62,000 | 4,677 |
| Total noninterest expense | $337,000 | 7,196 |
| Salaries and employee benefits | $190,000 | 7,116 |
| Premises and equipment expense | $35,000 | 7,427 |
| Additional noninterest expense | $112,000 | 6,815 |
| Pre-tax net operating income | $20,000 | 8,034 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $20,000 | 7,981 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $20,000 | 7,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $20,000 | 7,975 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,611,000 | 7,789 |
| Total interest expense | $690,000 | 7,068 |
| Net interest income | $921,000 | 8,056 |
| Provision for loan and lease losses | $144,000 | 4,215 |
| Total noninterest income | $223,000 | 6,883 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $16,000 | 7,526 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $207,000 | 5,094 |
| Total noninterest expense | $1,259,000 | 7,295 |
| Salaries and employee benefits | $700,000 | 7,269 |
| Premises and equipment expense | $142,000 | 7,375 |
| Additional noninterest expense | $417,000 | 7,001 |
| Pre-tax net operating income | $-259,000 | 8,414 |
| Securities gains (losses) | $-80,000 | 8,353 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-339,000 | 8,479 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-339,000 | 8,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,266 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-259,000 | 8,429 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,112,000 | 7,937 |
| Total interest expense | $463,000 | 7,229 |
| Net interest income | $649,000 | 8,180 |
| Provision for loan and lease losses | $121,000 | 3,862 |
| Total noninterest income | $169,000 | 6,899 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $12,000 | 7,573 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $157,000 | 5,109 |
| Total noninterest expense | $939,000 | 7,302 |
| Salaries and employee benefits | $522,000 | 7,256 |
| Premises and equipment expense | $105,000 | 7,400 |
| Additional noninterest expense | $312,000 | 7,011 |
| Pre-tax net operating income | $-242,000 | 8,507 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-242,000 | 8,540 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-242,000 | 8,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,534 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-242,000 | 8,511 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $677,000 | 8,059 |
| Total interest expense | $272,000 | 7,365 |
| Net interest income | $405,000 | 8,267 |
| Provision for loan and lease losses | $82,000 | 3,712 |
| Total noninterest income | $118,000 | 6,779 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $8,000 | 7,585 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $110,000 | 4,988 |
| Total noninterest expense | $613,000 | 7,346 |
| Salaries and employee benefits | $333,000 | 7,365 |
| Premises and equipment expense | $69,000 | 7,428 |
| Additional noninterest expense | $211,000 | 6,974 |
| Pre-tax net operating income | $-172,000 | 8,535 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-172,000 | 8,565 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-172,000 | 8,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,782 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-172,000 | 8,541 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $296,000 | 8,289 |
| Total interest expense | $118,000 | 7,591 |
| Net interest income | $178,000 | 8,470 |
| Provision for loan and lease losses | $33,000 | 3,846 |
| Total noninterest income | $48,000 | 7,143 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $4,000 | 7,641 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $44,000 | 5,463 |
| Total noninterest expense | $312,000 | 7,365 |
| Salaries and employee benefits | $173,000 | 7,337 |
| Premises and equipment expense | $34,000 | 7,517 |
| Additional noninterest expense | $105,000 | 7,023 |
| Pre-tax net operating income | $-119,000 | 8,662 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-119,000 | 8,685 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-119,000 | 8,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,584 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-119,000 | 8,664 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $778,000 | 8,584 |
| Total interest expense | $318,000 | 8,013 |
| Net interest income | $460,000 | 8,676 |
| Provision for loan and lease losses | $95,000 | 5,096 |
| Total noninterest income | $150,000 | 7,611 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $11,000 | 7,764 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $139,000 | 5,831 |
| Total noninterest expense | $1,088,000 | 7,642 |
| Salaries and employee benefits | $576,000 | 7,747 |
| Premises and equipment expense | $130,000 | 7,584 |
| Additional noninterest expense | $382,000 | 7,227 |
| Pre-tax net operating income | $-573,000 | 8,687 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-573,000 | 8,745 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-573,000 | 8,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-573,000 | 8,717 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $519,000 | 8,704 |
| Total interest expense | $225,000 | 8,125 |
| Net interest income | $294,000 | 8,788 |
| Provision for loan and lease losses | $61,000 | 5,112 |
| Total noninterest income | $111,000 | 7,662 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $7,000 | 7,826 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $104,000 | 5,840 |
| Total noninterest expense | $748,000 | 7,789 |
| Salaries and employee benefits | $389,000 | 7,901 |
| Premises and equipment expense | $93,000 | 7,655 |
| Additional noninterest expense | $266,000 | 7,366 |
| Pre-tax net operating income | $-404,000 | 8,740 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-404,000 | 8,778 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-404,000 | 8,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-404,000 | 8,751 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $306,000 | 8,814 |
| Total interest expense | $136,000 | 8,300 |
| Net interest income | $170,000 | 8,898 |
| Provision for loan and lease losses | $31,000 | 5,281 |
| Total noninterest income | $71,000 | 7,766 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $4,000 | 7,894 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $67,000 | 5,931 |
| Total noninterest expense | $480,000 | 7,909 |
| Salaries and employee benefits | $243,000 | 8,051 |
| Premises and equipment expense | $66,000 | 7,578 |
| Additional noninterest expense | $171,000 | 7,474 |
| Pre-tax net operating income | $-270,000 | 8,801 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-270,000 | 8,837 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-270,000 | 8,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-270,000 | 8,809 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $134,000 | 8,905 |
| Total interest expense | $57,000 | 8,524 |
| Net interest income | $77,000 | 8,975 |
| Provision for loan and lease losses | $14,000 | 5,389 |
| Total noninterest income | $33,000 | 7,851 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,000 | 7,896 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $31,000 | 6,045 |
| Total noninterest expense | $233,000 | 7,997 |
| Salaries and employee benefits | $116,000 | 8,166 |
| Premises and equipment expense | $32,000 | 7,669 |
| Additional noninterest expense | $85,000 | 7,506 |
| Pre-tax net operating income | $-137,000 | 8,843 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-137,000 | 8,896 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-137,000 | 8,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-137,000 | 8,858 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $197,000 | 9,077 |
| Total interest expense | $74,000 | 9,002 |
| Net interest income | $123,000 | 9,084 |
| Provision for loan and lease losses | $56,000 | 6,140 |
| Total noninterest income | $28,000 | 8,961 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,000 | 8,020 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $26,000 | 8,239 |
| Total noninterest expense | $654,000 | 8,541 |
| Salaries and employee benefits | $351,000 | 8,584 |
| Premises and equipment expense | $87,000 | 8,237 |
| Additional noninterest expense | $216,000 | 8,340 |
| Pre-tax net operating income | $-559,000 | 8,848 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-559,000 | 8,927 |
| Extraordinary gains, net | $-489,000 | 9,165 |
| Net income | $-1,048,000 | 9,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 721 |
| Net operating income | $-559,000 | 8,870 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $83,000 | 9,181 |
| Total interest expense | $32,000 | 9,128 |
| Net interest income | $51,000 | 9,180 |
| Provision for loan and lease losses | $28,000 | 6,466 |
| Total noninterest income | $8,000 | 9,122 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,000 | 8,088 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,000 | 8,842 |
| Total noninterest expense | $413,000 | 8,781 |
| Salaries and employee benefits | $210,000 | 8,846 |
| Premises and equipment expense | $62,000 | 8,334 |
| Additional noninterest expense | $141,000 | 8,532 |
| Pre-tax net operating income | $-382,000 | 8,908 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-382,000 | 8,985 |
| Extraordinary gains, net | $-489,000 | 9,223 |
| Net income | $-871,000 | 9,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 554 |
| Net operating income | $-382,000 | 8,923 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $19,000 | 9,251 |
| Total interest expense | $5,000 | 9,211 |
| Net interest income | $14,000 | 9,244 |
| Provision for loan and lease losses | $10,000 | 6,790 |
| Total noninterest income | $1,000 | 9,203 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $0 | 8,133 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,000 | 9,074 |
| Total noninterest expense | $200,000 | 9,047 |
| Salaries and employee benefits | $99,000 | 9,086 |
| Premises and equipment expense | $30,000 | 8,671 |
| Additional noninterest expense | $71,000 | 8,854 |
| Pre-tax net operating income | $-195,000 | 8,918 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-195,000 | 9,000 |
| Extraordinary gains, net | $-489,000 | 9,259 |
| Net income | $-684,000 | 9,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 426 |
| Net operating income | $-195,000 | 8,926 |
* 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.