Home > Citizens South Bank > Income and Expense
Citizens South Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $30,702,000 | 643 |
| Total interest expense | $5,292,000 | 635 |
| Net interest income | $25,410,000 | 635 |
| Provision for loan and lease losses | $9,305,000 | 229 |
| Total noninterest income | $1,688,000 | 2,011 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $1,748,000 | 613 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-60,000 | 6,864 |
| Total noninterest expense | $36,059,000 | 453 |
| Salaries and employee benefits | $14,110,000 | 561 |
| Premises and equipment expense | $2,641,000 | 691 |
| Additional noninterest expense | $19,308,000 | 322 |
| Pre-tax net operating income | $-18,266,000 | 7,165 |
| Securities gains (losses) | $600,000 | 658 |
| Applicable income taxes | $-7,184,000 | 7,159 |
| Income before extraordinary items | $-10,482,000 | 7,144 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-10,482,000 | 7,144 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-10,482,000 | 7,144 |
| Net charge-offs | $8,636,000 | 291 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-10,866,000 | 7,142 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $20,515,000 | 647 |
| Total interest expense | $3,698,000 | 627 |
| Net interest income | $16,817,000 | 639 |
| Provision for loan and lease losses | $8,855,000 | 186 |
| Total noninterest income | $1,939,000 | 1,355 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $1,165,000 | 609 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $774,000 | 1,788 |
| Total noninterest expense | $14,654,000 | 689 |
| Salaries and employee benefits | $7,096,000 | 731 |
| Premises and equipment expense | $1,759,000 | 696 |
| Additional noninterest expense | $5,799,000 | 616 |
| Pre-tax net operating income | $-4,753,000 | 7,179 |
| Securities gains (losses) | $664,000 | 420 |
| Applicable income taxes | $-1,881,000 | 7,202 |
| Income before extraordinary items | $-2,208,000 | 7,121 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,208,000 | 7,121 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-2,208,000 | 7,121 |
| Net charge-offs | $8,328,000 | 222 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-2,632,960 | 7,134 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $10,466,000 | 639 |
| Total interest expense | $1,915,000 | 621 |
| Net interest income | $8,551,000 | 628 |
| Provision for loan and lease losses | $6,300,000 | 134 |
| Total noninterest income | $1,044,000 | 1,287 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $577,000 | 615 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $467,000 | 1,581 |
| Total noninterest expense | $7,420,000 | 681 |
| Salaries and employee benefits | $3,636,000 | 715 |
| Premises and equipment expense | $888,000 | 687 |
| Additional noninterest expense | $2,896,000 | 602 |
| Pre-tax net operating income | $-4,125,000 | 7,283 |
| Securities gains (losses) | $664,000 | 217 |
| Applicable income taxes | $-1,535,000 | 7,285 |
| Income before extraordinary items | $-1,926,000 | 7,242 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,926,000 | 7,242 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-1,926,000 | 7,242 |
| Net charge-offs | $6,430,000 | 159 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-2,350,960 | 7,253 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $43,406,000 | 632 |
| Total interest expense | $10,224,000 | 557 |
| Net interest income | $33,182,000 | 644 |
| Provision for loan and lease losses | $10,685,000 | 396 |
| Total noninterest income | $7,527,000 | 764 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $2,408,000 | 608 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $5,119,000 | 686 |
| Total noninterest expense | $29,254,000 | 679 |
| Salaries and employee benefits | $14,220,000 | 693 |
| Premises and equipment expense | $3,336,000 | 747 |
| Additional noninterest expense | $11,698,000 | 622 |
| Pre-tax net operating income | $770,000 | 4,146 |
| Securities gains (losses) | $111,000 | 1,979 |
| Applicable income taxes | $-179,000 | 6,905 |
| Income before extraordinary items | $1,060,000 | 3,443 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,060,000 | 3,445 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,060,000 | 3,446 |
| Net charge-offs | $10,896,000 | 417 |
| Cash dividends | $1,304,000 | 1,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $949,000 | 3,526 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $33,001,000 | 632 |
| Total interest expense | $8,006,000 | 554 |
| Net interest income | $24,995,000 | 647 |
| Provision for loan and lease losses | $6,050,000 | 531 |
| Total noninterest income | $8,835,000 | 549 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,087,000 | 376 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $5,748,000 | 533 |
| Total noninterest expense | $24,555,000 | 617 |
| Salaries and employee benefits | $10,757,000 | 683 |
| Premises and equipment expense | $2,562,000 | 738 |
| Additional noninterest expense | $11,236,000 | 498 |
| Pre-tax net operating income | $3,225,000 | 1,398 |
| Securities gains (losses) | $111,000 | 1,691 |
| Applicable income taxes | $894,000 | 1,183 |
| Income before extraordinary items | $2,442,000 | 1,563 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,442,000 | 1,563 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,442,000 | 1,563 |
| Net charge-offs | $4,610,000 | 670 |
| Cash dividends | $1,304,000 | 935 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $2,360,970 | 1,533 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $21,783,000 | 651 |
| Total interest expense | $5,532,000 | 555 |
| Net interest income | $16,251,000 | 671 |
| Provision for loan and lease losses | $4,700,000 | 469 |
| Total noninterest income | $7,164,000 | 475 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,003,000 | 390 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,161,000 | 418 |
| Total noninterest expense | $16,185,000 | 633 |
| Salaries and employee benefits | $7,210,000 | 687 |
| Premises and equipment expense | $1,701,000 | 743 |
| Additional noninterest expense | $7,274,000 | 514 |
| Pre-tax net operating income | $2,530,000 | 1,172 |
| Securities gains (losses) | $1,000 | 2,791 |
| Applicable income taxes | $708,000 | 1,016 |
| Income before extraordinary items | $1,823,000 | 1,364 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,823,000 | 1,364 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,823,000 | 1,364 |
| Net charge-offs | $3,466,000 | 608 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $1,822,280 | 1,308 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $10,373,000 | 704 |
| Total interest expense | $2,784,000 | 576 |
| Net interest income | $7,589,000 | 729 |
| Provision for loan and lease losses | $3,000,000 | 364 |
| Total noninterest income | $1,505,000 | 907 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $957,000 | 397 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $548,000 | 1,275 |
| Total noninterest expense | $7,425,000 | 681 |
| Salaries and employee benefits | $3,522,000 | 710 |
| Premises and equipment expense | $828,000 | 784 |
| Additional noninterest expense | $3,075,000 | 584 |
| Pre-tax net operating income | $-1,331,000 | 7,328 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-642,000 | 7,489 |
| Income before extraordinary items | $-689,000 | 7,209 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-689,000 | 7,210 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-689,000 | 7,210 |
| Net charge-offs | $2,501,000 | 469 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-689,000 | 7,202 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $43,701,000 | 687 |
| Total interest expense | $13,794,000 | 573 |
| Net interest income | $29,907,000 | 738 |
| Provision for loan and lease losses | $14,050,000 | 506 |
| Total noninterest income | $26,164,000 | 317 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $26,164,000 | 240 |
| Total noninterest expense | $27,018,000 | 732 |
| Salaries and employee benefits | $13,056,000 | 744 |
| Premises and equipment expense | $3,301,000 | 776 |
| Additional noninterest expense | $10,661,000 | 709 |
| Pre-tax net operating income | $15,003,000 | 388 |
| Securities gains (losses) | $314,000 | 1,224 |
| Applicable income taxes | $5,276,000 | 344 |
| Income before extraordinary items | $10,041,000 | 461 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $10,041,000 | 459 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $10,041,000 | 461 |
| Net charge-offs | $9,454,000 | 633 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $9,833,760 | 444 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $32,750,000 | 695 |
| Total interest expense | $10,586,000 | 584 |
| Net interest income | $22,164,000 | 744 |
| Provision for loan and lease losses | $9,050,000 | 540 |
| Total noninterest income | $24,080,000 | 276 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $24,080,000 | 207 |
| Total noninterest expense | $19,829,000 | 742 |
| Salaries and employee benefits | $9,495,000 | 758 |
| Premises and equipment expense | $2,453,000 | 786 |
| Additional noninterest expense | $7,881,000 | 696 |
| Pre-tax net operating income | $17,365,000 | 273 |
| Securities gains (losses) | $314,000 | 1,045 |
| Applicable income taxes | $6,313,000 | 237 |
| Income before extraordinary items | $11,366,000 | 313 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $11,366,000 | 314 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $11,366,000 | 314 |
| Net charge-offs | $6,304,000 | 671 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $11,165,040 | 305 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $21,214,000 | 719 |
| Total interest expense | $7,028,000 | 609 |
| Net interest income | $14,186,000 | 774 |
| Provision for loan and lease losses | $6,050,000 | 543 |
| Total noninterest income | $22,286,000 | 210 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $22,286,000 | 163 |
| Total noninterest expense | $12,646,000 | 779 |
| Salaries and employee benefits | $5,924,000 | 821 |
| Premises and equipment expense | $1,721,000 | 767 |
| Additional noninterest expense | $5,001,000 | 726 |
| Pre-tax net operating income | $17,776,000 | 186 |
| Securities gains (losses) | $9,000 | 2,629 |
| Applicable income taxes | $6,500,000 | 163 |
| Income before extraordinary items | $11,285,000 | 216 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $11,285,000 | 216 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $11,285,000 | 216 |
| Net charge-offs | $4,260,000 | 640 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $11,279,240 | 211 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $9,068,000 | 870 |
| Total interest expense | $3,171,000 | 712 |
| Net interest income | $5,897,000 | 951 |
| Provision for loan and lease losses | $3,050,000 | 543 |
| Total noninterest income | $20,016,000 | 143 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $20,016,000 | 113 |
| Total noninterest expense | $5,896,000 | 844 |
| Salaries and employee benefits | $2,465,000 | 998 |
| Premises and equipment expense | $682,000 | 990 |
| Additional noninterest expense | $2,749,000 | 667 |
| Pre-tax net operating income | $16,967,000 | 123 |
| Securities gains (losses) | $-2,000 | 7,398 |
| Applicable income taxes | $6,382,000 | 115 |
| Income before extraordinary items | $10,583,000 | 144 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $10,583,000 | 145 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $10,583,000 | 146 |
| Net charge-offs | $2,404,000 | 569 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $10,584,280 | 133 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $37,969,000 | 887 |
| Total interest expense | $15,628,000 | 739 |
| Net interest income | $22,341,000 | 971 |
| Provision for loan and lease losses | $10,980,000 | 804 |
| Total noninterest income | $5,585,000 | 1,001 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $5,585,000 | 656 |
| Total noninterest expense | $47,890,000 | 445 |
| Salaries and employee benefits | $9,294,000 | 1,055 |
| Premises and equipment expense | $2,570,000 | 1,061 |
| Additional noninterest expense | $36,026,000 | 284 |
| Pre-tax net operating income | $-30,944,000 | 7,801 |
| Securities gains (losses) | $1,442,000 | 362 |
| Applicable income taxes | $-704,000 | 7,155 |
| Income before extraordinary items | $-28,798,000 | 7,810 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-28,798,000 | 7,810 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-28,798,000 | 7,810 |
| Net charge-offs | $11,223,000 | 629 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-30,211,160 | 7,818 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $28,760,000 | 897 |
| Total interest expense | $12,324,000 | 747 |
| Net interest income | $16,436,000 | 997 |
| Provision for loan and lease losses | $6,825,000 | 840 |
| Total noninterest income | $4,228,000 | 1,003 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $4,228,000 | 670 |
| Total noninterest expense | $13,617,000 | 1,134 |
| Salaries and employee benefits | $7,025,000 | 1,058 |
| Premises and equipment expense | $1,958,000 | 1,052 |
| Additional noninterest expense | $4,634,000 | 1,215 |
| Pre-tax net operating income | $222,000 | 4,842 |
| Securities gains (losses) | $732,000 | 514 |
| Applicable income taxes | $-263,000 | 7,170 |
| Income before extraordinary items | $1,217,000 | 2,152 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,217,000 | 2,149 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,217,000 | 2,152 |
| Net charge-offs | $6,840,000 | 657 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $485,000 | 3,656 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $19,313,000 | 907 |
| Total interest expense | $8,609,000 | 747 |
| Net interest income | $10,704,000 | 1,021 |
| Provision for loan and lease losses | $2,850,000 | 1,121 |
| Total noninterest income | $2,787,000 | 1,019 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $2,787,000 | 676 |
| Total noninterest expense | $9,134,000 | 1,151 |
| Salaries and employee benefits | $4,638,000 | 1,087 |
| Premises and equipment expense | $1,326,000 | 1,062 |
| Additional noninterest expense | $3,170,000 | 1,200 |
| Pre-tax net operating income | $1,507,000 | 1,519 |
| Securities gains (losses) | $146,000 | 1,222 |
| Applicable income taxes | $222,000 | 1,852 |
| Income before extraordinary items | $1,431,000 | 1,324 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,431,000 | 1,322 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,431,000 | 1,322 |
| Net charge-offs | $3,439,000 | 758 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $1,303,980 | 1,408 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $9,654,000 | 917 |
| Total interest expense | $4,488,000 | 742 |
| Net interest income | $5,166,000 | 1,045 |
| Provision for loan and lease losses | $900,000 | 1,253 |
| Total noninterest income | $1,152,000 | 1,144 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,152,000 | 755 |
| Total noninterest expense | $4,385,000 | 1,140 |
| Salaries and employee benefits | $2,295,000 | 1,112 |
| Premises and equipment expense | $674,000 | 1,052 |
| Additional noninterest expense | $1,416,000 | 1,170 |
| Pre-tax net operating income | $1,033,000 | 1,248 |
| Securities gains (losses) | $-71,000 | 7,968 |
| Applicable income taxes | $165,000 | 1,645 |
| Income before extraordinary items | $797,000 | 1,372 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $797,000 | 1,373 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $797,000 | 1,374 |
| Net charge-offs | $1,052,000 | 931 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $855,930 | 1,214 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $42,751,000 | 883 |
| Total interest expense | $21,439,000 | 738 |
| Net interest income | $21,312,000 | 1,016 |
| Provision for loan and lease losses | $3,743,000 | 1,207 |
| Total noninterest income | $5,479,000 | 978 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $5,479,000 | 608 |
| Total noninterest expense | $17,765,000 | 1,108 |
| Salaries and employee benefits | $9,462,000 | 1,051 |
| Premises and equipment expense | $2,660,000 | 1,048 |
| Additional noninterest expense | $5,643,000 | 1,139 |
| Pre-tax net operating income | $5,283,000 | 1,053 |
| Securities gains (losses) | $284,000 | 570 |
| Applicable income taxes | $1,341,000 | 946 |
| Income before extraordinary items | $4,226,000 | 967 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,226,000 | 967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,264,000 | 1,195 |
| Cash dividends | $3,250,000 | 833 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $4,010,160 | 1,115 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $32,394,000 | 897 |
| Total interest expense | $16,483,000 | 751 |
| Net interest income | $15,911,000 | 1,037 |
| Provision for loan and lease losses | $2,283,000 | 1,085 |
| Total noninterest income | $4,263,000 | 993 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $4,263,000 | 620 |
| Total noninterest expense | $13,336,000 | 1,099 |
| Salaries and employee benefits | $7,065,000 | 1,077 |
| Premises and equipment expense | $2,013,000 | 1,039 |
| Additional noninterest expense | $4,258,000 | 1,085 |
| Pre-tax net operating income | $4,555,000 | 1,116 |
| Securities gains (losses) | $284,000 | 484 |
| Applicable income taxes | $1,249,000 | 973 |
| Income before extraordinary items | $3,590,000 | 1,021 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,590,000 | 1,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $932,000 | 1,366 |
| Cash dividends | $2,500,000 | 832 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,379,840 | 1,164 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $21,562,000 | 915 |
| Total interest expense | $11,297,000 | 760 |
| Net interest income | $10,265,000 | 1,061 |
| Provision for loan and lease losses | $1,095,000 | 1,164 |
| Total noninterest income | $2,825,000 | 1,010 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,825,000 | 646 |
| Total noninterest expense | $8,981,000 | 1,084 |
| Salaries and employee benefits | $4,712,000 | 1,093 |
| Premises and equipment expense | $1,351,000 | 1,031 |
| Additional noninterest expense | $2,918,000 | 1,027 |
| Pre-tax net operating income | $3,014,000 | 1,182 |
| Securities gains (losses) | $283,000 | 475 |
| Applicable income taxes | $854,000 | 1,065 |
| Income before extraordinary items | $2,443,000 | 1,118 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,443,000 | 1,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $482,000 | 1,344 |
| Cash dividends | $2,000,000 | 774 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $2,233,580 | 1,224 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $11,024,000 | 919 |
| Total interest expense | $5,956,000 | 773 |
| Net interest income | $5,068,000 | 1,075 |
| Provision for loan and lease losses | $345,000 | 1,266 |
| Total noninterest income | $1,357,000 | 1,041 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,357,000 | 662 |
| Total noninterest expense | $4,618,000 | 1,058 |
| Salaries and employee benefits | $2,378,000 | 1,092 |
| Premises and equipment expense | $674,000 | 1,035 |
| Additional noninterest expense | $1,566,000 | 918 |
| Pre-tax net operating income | $1,462,000 | 1,295 |
| Securities gains (losses) | $242,000 | 392 |
| Applicable income taxes | $451,000 | 1,094 |
| Income before extraordinary items | $1,253,000 | 1,202 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,253,000 | 1,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 2,254 |
| Cash dividends | $2,000,000 | 415 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,073,920 | 1,363 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $47,055,000 | 890 |
| Total interest expense | $25,618,000 | 764 |
| Net interest income | $21,437,000 | 1,031 |
| Provision for loan and lease losses | $1,290,000 | 1,187 |
| Total noninterest income | $6,301,000 | 906 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $6,301,000 | 568 |
| Total noninterest expense | $16,984,000 | 1,103 |
| Salaries and employee benefits | $9,374,000 | 1,064 |
| Premises and equipment expense | $2,648,000 | 983 |
| Additional noninterest expense | $4,962,000 | 1,139 |
| Pre-tax net operating income | $9,464,000 | 894 |
| Securities gains (losses) | $-75,000 | 8,089 |
| Applicable income taxes | $2,649,000 | 896 |
| Income before extraordinary items | $6,740,000 | 971 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,740,000 | 969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $910,000 | 1,099 |
| Cash dividends | $7,500,000 | 527 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $6,794,000 | 948 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $35,162,000 | 893 |
| Total interest expense | $19,013,000 | 776 |
| Net interest income | $16,149,000 | 1,030 |
| Provision for loan and lease losses | $960,000 | 930 |
| Total noninterest income | $4,874,000 | 885 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $4,874,000 | 558 |
| Total noninterest expense | $12,517,000 | 1,119 |
| Salaries and employee benefits | $6,798,000 | 1,110 |
| Premises and equipment expense | $2,001,000 | 965 |
| Additional noninterest expense | $3,718,000 | 1,110 |
| Pre-tax net operating income | $7,546,000 | 916 |
| Securities gains (losses) | $-79,000 | 8,253 |
| Applicable income taxes | $2,153,000 | 909 |
| Income before extraordinary items | $5,314,000 | 982 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $5,314,000 | 980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $432,000 | 1,203 |
| Cash dividends | $6,000,000 | 481 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $5,370,090 | 961 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $23,085,000 | 919 |
| Total interest expense | $12,395,000 | 796 |
| Net interest income | $10,690,000 | 1,048 |
| Provision for loan and lease losses | $660,000 | 810 |
| Total noninterest income | $3,504,000 | 854 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $3,504,000 | 553 |
| Total noninterest expense | $8,240,000 | 1,145 |
| Salaries and employee benefits | $4,445,000 | 1,148 |
| Premises and equipment expense | $1,340,000 | 975 |
| Additional noninterest expense | $2,455,000 | 1,136 |
| Pre-tax net operating income | $5,294,000 | 905 |
| Securities gains (losses) | $-80,000 | 8,373 |
| Applicable income taxes | $1,535,000 | 902 |
| Income before extraordinary items | $3,679,000 | 972 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,679,000 | 971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $296,000 | 1,039 |
| Cash dividends | $4,000,000 | 501 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $3,735,800 | 947 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $11,356,000 | 926 |
| Total interest expense | $6,102,000 | 793 |
| Net interest income | $5,254,000 | 1,062 |
| Provision for loan and lease losses | $330,000 | 734 |
| Total noninterest income | $1,551,000 | 923 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,551,000 | 595 |
| Total noninterest expense | $4,043,000 | 1,162 |
| Salaries and employee benefits | $2,187,000 | 1,174 |
| Premises and equipment expense | $668,000 | 981 |
| Additional noninterest expense | $1,188,000 | 1,150 |
| Pre-tax net operating income | $2,432,000 | 968 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $743,000 | 933 |
| Income before extraordinary items | $1,689,000 | 1,048 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,689,000 | 1,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 1,454 |
| Cash dividends | $2,000,000 | 446 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,689,000 | 1,033 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $43,004,000 | 908 |
| Total interest expense | $21,378,000 | 784 |
| Net interest income | $21,626,000 | 1,029 |
| Provision for loan and lease losses | $1,165,000 | 902 |
| Total noninterest income | $6,005,000 | 945 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $6,005,000 | 595 |
| Total noninterest expense | $16,816,000 | 1,064 |
| Salaries and employee benefits | $9,083,000 | 1,066 |
| Premises and equipment expense | $2,614,000 | 962 |
| Additional noninterest expense | $5,119,000 | 1,040 |
| Pre-tax net operating income | $9,650,000 | 1,007 |
| Securities gains (losses) | $-134,000 | 8,286 |
| Applicable income taxes | $3,178,000 | 893 |
| Income before extraordinary items | $6,338,000 | 1,167 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,338,000 | 1,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $504,000 | 1,170 |
| Cash dividends | $6,000,000 | 600 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $6,427,780 | 1,136 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $31,542,000 | 929 |
| Total interest expense | $15,277,000 | 802 |
| Net interest income | $16,265,000 | 1,049 |
| Provision for loan and lease losses | $865,000 | 878 |
| Total noninterest income | $4,195,000 | 1,008 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,195,000 | 628 |
| Total noninterest expense | $12,426,000 | 1,089 |
| Salaries and employee benefits | $6,542,000 | 1,122 |
| Premises and equipment expense | $1,990,000 | 950 |
| Additional noninterest expense | $3,894,000 | 1,041 |
| Pre-tax net operating income | $7,169,000 | 1,071 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,396,000 | 939 |
| Income before extraordinary items | $4,773,000 | 1,191 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,773,000 | 1,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $408,000 | 940 |
| Cash dividends | $4,000,000 | 629 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,773,000 | 1,181 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $20,392,000 | 940 |
| Total interest expense | $9,576,000 | 809 |
| Net interest income | $10,816,000 | 1,051 |
| Provision for loan and lease losses | $565,000 | 885 |
| Total noninterest income | $2,690,000 | 1,041 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,690,000 | 639 |
| Total noninterest expense | $8,304,000 | 1,090 |
| Salaries and employee benefits | $4,314,000 | 1,140 |
| Premises and equipment expense | $1,380,000 | 916 |
| Additional noninterest expense | $2,610,000 | 1,030 |
| Pre-tax net operating income | $4,637,000 | 1,092 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,532,000 | 974 |
| Income before extraordinary items | $3,105,000 | 1,208 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,105,000 | 1,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $254,000 | 935 |
| Cash dividends | $4,000,000 | 448 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,105,000 | 1,192 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $9,888,000 | 939 |
| Total interest expense | $4,535,000 | 813 |
| Net interest income | $5,353,000 | 1,058 |
| Provision for loan and lease losses | $285,000 | 838 |
| Total noninterest income | $1,365,000 | 1,014 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,365,000 | 641 |
| Total noninterest expense | $4,327,000 | 1,048 |
| Salaries and employee benefits | $2,288,000 | 1,074 |
| Premises and equipment expense | $713,000 | 891 |
| Additional noninterest expense | $1,326,000 | 1,006 |
| Pre-tax net operating income | $2,106,000 | 1,171 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $659,000 | 1,100 |
| Income before extraordinary items | $1,447,000 | 1,274 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,447,000 | 1,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 833 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,447,000 | 1,256 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $27,943,000 | 1,197 |
| Total interest expense | $11,717,000 | 952 |
| Net interest income | $16,226,000 | 1,356 |
| Provision for loan and lease losses | $989,000 | 1,052 |
| Total noninterest income | $4,258,000 | 1,217 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,258,000 | 763 |
| Total noninterest expense | $14,487,000 | 1,202 |
| Salaries and employee benefits | $7,564,000 | 1,223 |
| Premises and equipment expense | $2,191,000 | 1,111 |
| Additional noninterest expense | $4,732,000 | 1,079 |
| Pre-tax net operating income | $5,008,000 | 1,868 |
| Securities gains (losses) | $10,000 | 1,476 |
| Applicable income taxes | $1,488,000 | 1,708 |
| Income before extraordinary items | $3,530,000 | 1,945 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,530,000 | 1,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $401,000 | 1,401 |
| Cash dividends | $6,000,000 | 564 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,523,000 | 1,927 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $18,439,000 | 1,314 |
| Total interest expense | $7,424,000 | 1,069 |
| Net interest income | $11,015,000 | 1,473 |
| Provision for loan and lease losses | $410,000 | 1,683 |
| Total noninterest income | $3,069,000 | 1,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,069,000 | 793 |
| Total noninterest expense | $9,057,000 | 1,406 |
| Salaries and employee benefits | $4,710,000 | 1,476 |
| Premises and equipment expense | $1,467,000 | 1,243 |
| Additional noninterest expense | $2,880,000 | 1,322 |
| Pre-tax net operating income | $4,617,000 | 1,549 |
| Securities gains (losses) | $10,000 | 1,474 |
| Applicable income taxes | $1,444,000 | 1,426 |
| Income before extraordinary items | $3,183,000 | 1,653 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,183,000 | 1,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 3,028 |
| Cash dividends | $3,000,000 | 734 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,176,100 | 1,622 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,953,000 | 1,314 |
| Total interest expense | $4,646,000 | 1,075 |
| Net interest income | $7,307,000 | 1,458 |
| Provision for loan and lease losses | $270,000 | 1,671 |
| Total noninterest income | $2,000,000 | 1,264 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,000,000 | 802 |
| Total noninterest expense | $6,035,000 | 1,410 |
| Salaries and employee benefits | $3,126,000 | 1,481 |
| Premises and equipment expense | $981,000 | 1,224 |
| Additional noninterest expense | $1,928,000 | 1,294 |
| Pre-tax net operating income | $3,002,000 | 1,547 |
| Securities gains (losses) | $31,000 | 949 |
| Applicable income taxes | $945,000 | 1,426 |
| Income before extraordinary items | $2,088,000 | 1,645 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,088,000 | 1,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,414 |
| Cash dividends | $2,000,000 | 710 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,066,610 | 1,627 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,809,000 | 1,322 |
| Total interest expense | $2,177,000 | 1,076 |
| Net interest income | $3,632,000 | 1,452 |
| Provision for loan and lease losses | $150,000 | 1,379 |
| Total noninterest income | $919,000 | 1,335 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $919,000 | 841 |
| Total noninterest expense | $2,943,000 | 1,441 |
| Salaries and employee benefits | $1,466,000 | 1,576 |
| Premises and equipment expense | $485,000 | 1,245 |
| Additional noninterest expense | $992,000 | 1,256 |
| Pre-tax net operating income | $1,458,000 | 1,556 |
| Securities gains (losses) | $29,000 | 684 |
| Applicable income taxes | $457,000 | 1,447 |
| Income before extraordinary items | $1,030,000 | 1,620 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,030,000 | 1,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,610 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,009,990 | 1,631 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $21,043,000 | 1,351 |
| Total interest expense | $8,011,000 | 1,012 |
| Net interest income | $13,032,000 | 1,558 |
| Provision for loan and lease losses | $330,000 | 2,726 |
| Total noninterest income | $4,289,000 | 1,211 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,289,000 | 748 |
| Total noninterest expense | $12,037,000 | 1,362 |
| Salaries and employee benefits | $6,512,000 | 1,359 |
| Premises and equipment expense | $1,817,000 | 1,266 |
| Additional noninterest expense | $3,708,000 | 1,342 |
| Pre-tax net operating income | $4,954,000 | 1,714 |
| Securities gains (losses) | $290,000 | 656 |
| Applicable income taxes | $1,557,000 | 1,557 |
| Income before extraordinary items | $3,687,000 | 1,733 |
| Extraordinary gains, net | $-599,000 | 8,970 |
| Net income | $3,088,000 | 2,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $270,000 | 2,147 |
| Cash dividends | $5,000,000 | 614 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,484,000 | 1,778 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $15,421,000 | 1,363 |
| Total interest expense | $5,900,000 | 1,006 |
| Net interest income | $9,521,000 | 1,584 |
| Provision for loan and lease losses | $120,000 | 3,974 |
| Total noninterest income | $3,050,000 | 1,288 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,050,000 | 785 |
| Total noninterest expense | $8,691,000 | 1,406 |
| Salaries and employee benefits | $4,706,000 | 1,410 |
| Premises and equipment expense | $1,330,000 | 1,293 |
| Additional noninterest expense | $2,655,000 | 1,388 |
| Pre-tax net operating income | $3,760,000 | 1,713 |
| Securities gains (losses) | $290,000 | 615 |
| Applicable income taxes | $1,197,000 | 1,543 |
| Income before extraordinary items | $2,853,000 | 1,701 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,853,000 | 1,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 2,096 |
| Cash dividends | $5,000,000 | 454 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,650,000 | 1,762 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $10,117,000 | 1,373 |
| Total interest expense | $3,832,000 | 1,017 |
| Net interest income | $6,285,000 | 1,586 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $2,021,000 | 1,274 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,021,000 | 793 |
| Total noninterest expense | $5,607,000 | 1,443 |
| Salaries and employee benefits | $3,228,000 | 1,357 |
| Premises and equipment expense | $820,000 | 1,412 |
| Additional noninterest expense | $1,559,000 | 1,552 |
| Pre-tax net operating income | $2,639,000 | 1,591 |
| Securities gains (losses) | $290,000 | 502 |
| Applicable income taxes | $872,000 | 1,433 |
| Income before extraordinary items | $2,057,000 | 1,564 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,057,000 | 1,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 1,867 |
| Cash dividends | $2,500,000 | 580 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,854,000 | 1,667 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,132,000 | 1,363 |
| Total interest expense | $1,900,000 | 1,043 |
| Net interest income | $3,232,000 | 1,540 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $1,035,000 | 1,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,035,000 | 768 |
| Total noninterest expense | $3,050,000 | 1,346 |
| Salaries and employee benefits | $1,811,000 | 1,217 |
| Premises and equipment expense | $420,000 | 1,392 |
| Additional noninterest expense | $819,000 | 1,470 |
| Pre-tax net operating income | $1,187,000 | 1,743 |
| Securities gains (losses) | $290,000 | 388 |
| Applicable income taxes | $455,000 | 1,397 |
| Income before extraordinary items | $1,022,000 | 1,564 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,022,000 | 1,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $821,900 | 1,816 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $21,922,000 | 1,292 |
| Total interest expense | $9,072,000 | 984 |
| Net interest income | $12,850,000 | 1,516 |
| Provision for loan and lease losses | $60,000 | 5,969 |
| Total noninterest income | $4,373,000 | 1,250 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,373,000 | 839 |
| Total noninterest expense | $12,827,000 | 1,262 |
| Salaries and employee benefits | $6,938,000 | 1,235 |
| Premises and equipment expense | $1,529,000 | 1,491 |
| Additional noninterest expense | $4,360,000 | 1,157 |
| Pre-tax net operating income | $4,336,000 | 1,860 |
| Securities gains (losses) | $1,020,000 | 472 |
| Applicable income taxes | $1,675,000 | 1,471 |
| Income before extraordinary items | $3,681,000 | 1,685 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,681,000 | 1,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 4,310 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,977,200 | 1,962 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $16,740,000 | 1,297 |
| Total interest expense | $7,116,000 | 986 |
| Net interest income | $9,624,000 | 1,528 |
| Provision for loan and lease losses | $45,000 | 5,860 |
| Total noninterest income | $3,299,000 | 1,290 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,299,000 | 866 |
| Total noninterest expense | $9,209,000 | 1,329 |
| Salaries and employee benefits | $4,490,000 | 1,449 |
| Premises and equipment expense | $1,132,000 | 1,514 |
| Additional noninterest expense | $3,587,000 | 1,081 |
| Pre-tax net operating income | $3,669,000 | 1,705 |
| Securities gains (losses) | $67,000 | 2,074 |
| Applicable income taxes | $1,155,000 | 1,660 |
| Income before extraordinary items | $2,581,000 | 1,863 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,581,000 | 1,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,826 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,534,770 | 1,792 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $11,528,000 | 1,278 |
| Total interest expense | $4,833,000 | 994 |
| Net interest income | $6,695,000 | 1,461 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $2,280,000 | 1,235 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,280,000 | 840 |
| Total noninterest expense | $5,370,000 | 1,495 |
| Salaries and employee benefits | $3,070,000 | 1,411 |
| Premises and equipment expense | $730,000 | 1,568 |
| Additional noninterest expense | $1,570,000 | 1,546 |
| Pre-tax net operating income | $3,575,000 | 1,198 |
| Securities gains (losses) | $42,000 | 2,136 |
| Applicable income taxes | $1,200,000 | 1,179 |
| Income before extraordinary items | $2,417,000 | 1,368 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,417,000 | 1,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,430 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,388,860 | 1,290 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,882,000 | 1,266 |
| Total interest expense | $2,438,000 | 1,010 |
| Net interest income | $3,444,000 | 1,421 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $1,003,000 | 1,327 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,003,000 | 889 |
| Total noninterest expense | $2,535,000 | 1,572 |
| Salaries and employee benefits | $1,443,000 | 1,483 |
| Premises and equipment expense | $361,000 | 1,602 |
| Additional noninterest expense | $731,000 | 1,615 |
| Pre-tax net operating income | $1,897,000 | 1,141 |
| Securities gains (losses) | $3,000 | 2,514 |
| Applicable income taxes | $688,000 | 1,080 |
| Income before extraordinary items | $1,212,000 | 1,362 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,212,000 | 1,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,949 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,210,080 | 1,278 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $24,707,000 | 1,246 |
| Total interest expense | $10,339,000 | 1,079 |
| Net interest income | $14,368,000 | 1,346 |
| Provision for loan and lease losses | $225,000 | 4,105 |
| Total noninterest income | $3,795,000 | 1,302 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,795,000 | 853 |
| Total noninterest expense | $11,263,000 | 1,365 |
| Salaries and employee benefits | $5,726,000 | 1,423 |
| Premises and equipment expense | $1,708,000 | 1,281 |
| Additional noninterest expense | $3,829,000 | 1,262 |
| Pre-tax net operating income | $6,675,000 | 1,261 |
| Securities gains (losses) | $160,000 | 1,324 |
| Applicable income taxes | $2,460,000 | 1,090 |
| Income before extraordinary items | $4,375,000 | 1,422 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,375,000 | 1,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $356,000 | 2,108 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,272,600 | 1,408 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $16,350,000 | 2,099 |
| Total interest expense | $9,781,000 | 1,659 |
| Net interest income | $6,569,000 | 2,716 |
| Provision for loan and lease losses | $120,000 | 5,188 |
| Total noninterest income | $3,096,000 | 1,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,096,000 | 924 |
| Total noninterest expense | $6,974,000 | 2,064 |
| Salaries and employee benefits | $4,026,000 | 1,867 |
| Premises and equipment expense | $1,125,000 | 1,901 |
| Additional noninterest expense | $1,823,000 | 2,437 |
| Pre-tax net operating income | $2,571,000 | 2,610 |
| Securities gains (losses) | $-9,000 | 9,278 |
| Applicable income taxes | $702,000 | 2,664 |
| Income before extraordinary items | $1,860,000 | 2,702 |
| Extraordinary gains, net | $-158,000 | 9,535 |
| Net income | $1,702,000 | 2,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,961 |
| Cash dividends | $22,525,000 | 216 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,866,570 | 2,614 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,810,000 | 2,095 |
| Total interest expense | $9,733,000 | 1,766 |
| Net interest income | $7,077,000 | 2,517 |
| Provision for loan and lease losses | $61,000 | 6,164 |
| Total noninterest income | $1,429,000 | 2,434 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,429,000 | 1,433 |
| Total noninterest expense | $6,106,000 | 2,242 |
| Salaries and employee benefits | $3,938,000 | 1,826 |
| Premises and equipment expense | $874,000 | 2,368 |
| Additional noninterest expense | $1,294,000 | 3,185 |
| Pre-tax net operating income | $2,339,000 | 2,933 |
| Securities gains (losses) | $229,000 | 389 |
| Applicable income taxes | $838,000 | 2,429 |
| Income before extraordinary items | $1,730,000 | 2,889 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,730,000 | 2,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,493 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,576,570 | 3,123 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,385,000 | 2,120 |
| Total interest expense | $8,234,000 | 1,806 |
| Net interest income | $7,151,000 | 2,467 |
| Provision for loan and lease losses | $47,000 | 6,669 |
| Total noninterest income | $1,029,000 | 3,025 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,029,000 | 1,828 |
| Total noninterest expense | $6,221,000 | 2,194 |
| Salaries and employee benefits | $4,204,000 | 1,635 |
| Premises and equipment expense | $887,000 | 2,291 |
| Additional noninterest expense | $1,130,000 | 3,636 |
| Pre-tax net operating income | $1,912,000 | 3,450 |
| Securities gains (losses) | $1,266,000 | 183 |
| Applicable income taxes | $1,061,000 | 2,124 |
| Income before extraordinary items | $2,117,000 | 2,450 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,117,000 | 2,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-47,000 | 9,886 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,268,780 | 3,663 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,224,000 | 2,294 |
| Total interest expense | $7,416,000 | 2,048 |
| Net interest income | $6,808,000 | 2,496 |
| Provision for loan and lease losses | $263,000 | 2,907 |
| Total noninterest income | $749,000 | 3,789 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $749,000 | 2,270 |
| Total noninterest expense | $4,682,000 | 2,772 |
| Salaries and employee benefits | $2,679,000 | 2,520 |
| Premises and equipment expense | $856,000 | 2,277 |
| Additional noninterest expense | $1,147,000 | 3,496 |
| Pre-tax net operating income | $2,612,000 | 2,671 |
| Securities gains (losses) | $110,000 | 1,215 |
| Applicable income taxes | $947,000 | 2,406 |
| Income before extraordinary items | $1,775,000 | 2,819 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,775,000 | 2,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,524 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $10,121,000 | 94 |
| Net operating income | $1,703,500 | 2,834 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,845,000 | 2,559 |
| Total interest expense | $6,895,000 | 2,192 |
| Net interest income | $5,950,000 | 2,925 |
| Provision for loan and lease losses | $347,000 | 2,345 |
| Total noninterest income | $438,000 | 5,418 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $438,000 | 3,096 |
| Total noninterest expense | $4,042,000 | 3,145 |
| Salaries and employee benefits | $2,422,000 | 2,727 |
| Premises and equipment expense | $669,000 | 2,854 |
| Additional noninterest expense | $951,000 | 4,091 |
| Pre-tax net operating income | $1,999,000 | 3,534 |
| Securities gains (losses) | $132,000 | 868 |
| Applicable income taxes | $780,000 | 2,989 |
| Income before extraordinary items | $1,351,000 | 3,674 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,351,000 | 3,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,963 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,266,520 | 3,812 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,471,000 | 2,670 |
| Total interest expense | $7,264,000 | 2,150 |
| Net interest income | $5,207,000 | 3,416 |
| Provision for loan and lease losses | $37,000 | 7,110 |
| Total noninterest income | $623,000 | 4,460 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $623,000 | 2,506 |
| Total noninterest expense | $4,783,000 | 2,856 |
| Salaries and employee benefits | $2,062,000 | 3,242 |
| Premises and equipment expense | $738,000 | 2,643 |
| Additional noninterest expense | $1,983,000 | 2,477 |
| Pre-tax net operating income | $1,010,000 | 5,706 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $264,000 | 6,251 |
| Income before extraordinary items | $746,000 | 5,545 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $746,000 | 5,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $746,000 | 5,494 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,744,000 | 2,839 |
| Total interest expense | $6,833,000 | 2,283 |
| Net interest income | $4,911,000 | 3,601 |
| Provision for loan and lease losses | $90,000 | 4,814 |
| Total noninterest income | $339,000 | 6,618 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $339,000 | 3,698 |
| Total noninterest expense | $3,094,000 | 4,175 |
| Salaries and employee benefits | $1,638,000 | 3,959 |
| Premises and equipment expense | $536,000 | 3,538 |
| Additional noninterest expense | $920,000 | 4,680 |
| Pre-tax net operating income | $2,066,000 | 3,382 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $948,000 | 2,501 |
| Income before extraordinary items | $1,119,000 | 4,193 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,119,000 | 4,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,118,360 | 4,175 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,413,000 | 2,923 |
| Total interest expense | $4,999,000 | 2,462 |
| Net interest income | $5,414,000 | 3,312 |
| Provision for loan and lease losses | $246,000 | 2,633 |
| Total noninterest income | $418,000 | 5,975 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $418,000 | 3,313 |
| Total noninterest expense | $2,987,000 | 4,430 |
| Salaries and employee benefits | $1,633,000 | 3,961 |
| Premises and equipment expense | $542,000 | 3,559 |
| Additional noninterest expense | $812,000 | 5,625 |
| Pre-tax net operating income | $2,599,000 | 2,725 |
| Securities gains (losses) | $-5,000 | 9,408 |
| Applicable income taxes | $1,120,000 | 2,012 |
| Income before extraordinary items | $1,474,000 | 3,223 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,474,000 | 3,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,477,200 | 3,250 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,815,000 | 2,868 |
| Total interest expense | $5,338,000 | 2,421 |
| Net interest income | $5,477,000 | 3,280 |
| Provision for loan and lease losses | $643,000 | 1,766 |
| Total noninterest income | $477,000 | 5,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $477,000 | 3,361 |
| Total noninterest expense | $2,733,000 | 4,874 |
| Salaries and employee benefits | $1,445,000 | 4,424 |
| Premises and equipment expense | $524,000 | 3,708 |
| Additional noninterest expense | $764,000 | 6,148 |
| Pre-tax net operating income | $2,578,000 | 2,641 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $1,062,000 | 2,122 |
| Income before extraordinary items | $1,520,000 | 3,198 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,520,000 | 3,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 12,473 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,517,440 | 3,038 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,891,000 | 2,950 |
| Total interest expense | $7,024,000 | 2,398 |
| Net interest income | $4,867,000 | 3,741 |
| Provision for loan and lease losses | $339,000 | 3,860 |
| Total noninterest income | $428,000 | 6,288 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $428,000 | 3,543 |
| Total noninterest expense | $2,952,000 | 4,607 |
| Salaries and employee benefits | $1,560,000 | 4,071 |
| Premises and equipment expense | $603,000 | 3,343 |
| Additional noninterest expense | $786,000 | 6,157 |
| Pre-tax net operating income | $2,004,000 | 3,102 |
| Securities gains (losses) | $-7,000 | 13,179 |
| Applicable income taxes | $817,000 | 2,553 |
| Income before extraordinary items | $1,180,000 | 3,869 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,180,000 | 3,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 5,871 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,184,480 | 3,573 |
* 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.