Home > Citizens State Bank > Income and Expense
Citizens State Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $2,859,000 | 5,077 |
| Total interest expense | $366,000 | 5,282 |
| Net interest income | $2,493,000 | 4,958 |
| Provision for loan and lease losses | $140,000 | 3,959 |
| Total noninterest income | $257,000 | 5,093 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $196,000 | 3,802 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $61,000 | 5,575 |
| Total noninterest expense | $2,036,000 | 5,015 |
| Salaries and employee benefits | $993,000 | 5,196 |
| Premises and equipment expense | $296,000 | 4,386 |
| Additional noninterest expense | $747,000 | 4,845 |
| Pre-tax net operating income | $574,000 | 4,528 |
| Securities gains (losses) | $230,000 | 1,326 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $804,000 | 3,853 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $804,000 | 3,853 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $804,000 | 3,854 |
| Net charge-offs | $132,000 | 3,712 |
| Cash dividends | $234,000 | 2,789 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $574,000 | 4,271 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,793,000 | 5,246 |
| Total interest expense | $258,000 | 5,289 |
| Net interest income | $1,535,000 | 5,151 |
| Provision for loan and lease losses | $140,000 | 3,468 |
| Total noninterest income | $166,000 | 5,164 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $131,000 | 3,777 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $35,000 | 5,755 |
| Total noninterest expense | $1,320,000 | 5,119 |
| Salaries and employee benefits | $648,000 | 5,272 |
| Premises and equipment expense | $188,000 | 4,513 |
| Additional noninterest expense | $484,000 | 4,948 |
| Pre-tax net operating income | $241,000 | 5,095 |
| Securities gains (losses) | $230,000 | 1,017 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $471,000 | 4,093 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $471,000 | 4,097 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $471,000 | 4,097 |
| Net charge-offs | $114,000 | 3,286 |
| Cash dividends | $152,000 | 2,715 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $241,000 | 4,908 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $923,000 | 5,222 |
| Total interest expense | $137,000 | 5,274 |
| Net interest income | $786,000 | 5,129 |
| Provision for loan and lease losses | $140,000 | 2,491 |
| Total noninterest income | $89,000 | 5,111 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $65,000 | 3,802 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $24,000 | 5,550 |
| Total noninterest expense | $630,000 | 5,254 |
| Salaries and employee benefits | $310,000 | 5,420 |
| Premises and equipment expense | $95,000 | 4,508 |
| Additional noninterest expense | $225,000 | 5,100 |
| Pre-tax net operating income | $105,000 | 5,342 |
| Securities gains (losses) | $196,000 | 618 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $301,000 | 3,652 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $301,000 | 3,655 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $301,000 | 3,655 |
| Net charge-offs | $-10,000 | 6,648 |
| Cash dividends | $25,000 | 2,597 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $105,000 | 5,157 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,132,000 | 5,069 |
| Total interest expense | $736,000 | 5,097 |
| Net interest income | $3,396,000 | 4,984 |
| Provision for loan and lease losses | $702,000 | 2,940 |
| Total noninterest income | $403,000 | 4,764 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $278,000 | 3,753 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $125,000 | 5,079 |
| Total noninterest expense | $2,684,000 | 5,161 |
| Salaries and employee benefits | $1,155,000 | 5,595 |
| Premises and equipment expense | $573,000 | 3,696 |
| Additional noninterest expense | $956,000 | 5,004 |
| Pre-tax net operating income | $413,000 | 4,943 |
| Securities gains (losses) | $59,000 | 2,466 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $472,000 | 4,734 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $472,000 | 4,736 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $472,000 | 4,735 |
| Net charge-offs | $687,000 | 2,804 |
| Cash dividends | $550,000 | 2,322 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $413,000 | 4,773 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,157,000 | 5,079 |
| Total interest expense | $585,000 | 5,104 |
| Net interest income | $2,572,000 | 4,988 |
| Provision for loan and lease losses | $649,000 | 2,551 |
| Total noninterest income | $283,000 | 4,923 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $207,000 | 3,781 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $76,000 | 5,396 |
| Total noninterest expense | $2,035,000 | 5,153 |
| Salaries and employee benefits | $873,000 | 5,587 |
| Premises and equipment expense | $427,000 | 3,760 |
| Additional noninterest expense | $735,000 | 4,975 |
| Pre-tax net operating income | $171,000 | 5,586 |
| Securities gains (losses) | $59,000 | 2,223 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $230,000 | 5,372 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $230,000 | 5,372 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $230,000 | 5,372 |
| Net charge-offs | $577,000 | 2,513 |
| Cash dividends | $294,000 | 2,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $171,000 | 5,486 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,164,000 | 5,043 |
| Total interest expense | $413,000 | 5,073 |
| Net interest income | $1,751,000 | 4,946 |
| Provision for loan and lease losses | $589,000 | 2,130 |
| Total noninterest income | $174,000 | 5,068 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $136,000 | 3,793 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $38,000 | 5,729 |
| Total noninterest expense | $1,390,000 | 5,136 |
| Salaries and employee benefits | $626,000 | 5,477 |
| Premises and equipment expense | $278,000 | 3,847 |
| Additional noninterest expense | $486,000 | 5,063 |
| Pre-tax net operating income | $-54,000 | 6,340 |
| Securities gains (losses) | $30,000 | 1,889 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-24,000 | 6,365 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-24,000 | 6,364 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-24,000 | 6,365 |
| Net charge-offs | $588,000 | 1,973 |
| Cash dividends | $206,000 | 2,252 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-54,000 | 6,379 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,129,000 | 4,954 |
| Total interest expense | $215,000 | 5,081 |
| Net interest income | $914,000 | 4,815 |
| Provision for loan and lease losses | $110,000 | 3,236 |
| Total noninterest income | $100,000 | 4,922 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $65,000 | 3,827 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $35,000 | 5,181 |
| Total noninterest expense | $679,000 | 5,234 |
| Salaries and employee benefits | $308,000 | 5,556 |
| Premises and equipment expense | $138,000 | 3,919 |
| Additional noninterest expense | $233,000 | 5,179 |
| Pre-tax net operating income | $225,000 | 4,033 |
| Securities gains (losses) | $2,000 | 1,590 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $227,000 | 3,752 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $227,000 | 3,753 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $227,000 | 3,752 |
| Net charge-offs | $54,000 | 3,283 |
| Cash dividends | $70,000 | 2,110 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $225,000 | 3,713 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,649,000 | 5,011 |
| Total interest expense | $1,212,000 | 4,792 |
| Net interest income | $3,437,000 | 4,997 |
| Provision for loan and lease losses | $291,000 | 4,904 |
| Total noninterest income | $417,000 | 4,896 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $307,000 | 3,591 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $110,000 | 5,335 |
| Total noninterest expense | $2,661,000 | 5,347 |
| Salaries and employee benefits | $1,240,000 | 5,593 |
| Premises and equipment expense | $514,000 | 4,098 |
| Additional noninterest expense | $907,000 | 5,338 |
| Pre-tax net operating income | $902,000 | 3,569 |
| Securities gains (losses) | $119,000 | 2,017 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $1,021,000 | 3,185 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,021,000 | 3,182 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,021,000 | 3,185 |
| Net charge-offs | $416,000 | 3,889 |
| Cash dividends | $448,000 | 2,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $902,000 | 3,292 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,466,000 | 5,130 |
| Total interest expense | $981,000 | 4,746 |
| Net interest income | $2,485,000 | 5,156 |
| Provision for loan and lease losses | $197,000 | 4,909 |
| Total noninterest income | $307,000 | 5,010 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $226,000 | 3,699 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $81,000 | 5,477 |
| Total noninterest expense | $1,941,000 | 5,446 |
| Salaries and employee benefits | $910,000 | 5,677 |
| Premises and equipment expense | $344,000 | 4,477 |
| Additional noninterest expense | $687,000 | 5,315 |
| Pre-tax net operating income | $654,000 | 3,833 |
| Securities gains (losses) | $119,000 | 1,799 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $773,000 | 3,336 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $773,000 | 3,334 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $773,000 | 3,336 |
| Net charge-offs | $180,000 | 4,333 |
| Cash dividends | $216,000 | 2,648 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $654,000 | 3,497 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,303,000 | 5,173 |
| Total interest expense | $671,000 | 4,789 |
| Net interest income | $1,632,000 | 5,208 |
| Provision for loan and lease losses | $115,000 | 5,019 |
| Total noninterest income | $199,000 | 5,040 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $145,000 | 3,755 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $54,000 | 5,493 |
| Total noninterest expense | $1,286,000 | 5,479 |
| Salaries and employee benefits | $619,000 | 5,651 |
| Premises and equipment expense | $212,000 | 4,704 |
| Additional noninterest expense | $455,000 | 5,340 |
| Pre-tax net operating income | $430,000 | 3,873 |
| Securities gains (losses) | $81,000 | 1,568 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $511,000 | 3,372 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $511,000 | 3,369 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $511,000 | 3,371 |
| Net charge-offs | $57,000 | 4,770 |
| Cash dividends | $142,000 | 2,597 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $430,000 | 3,552 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,129,000 | 5,298 |
| Total interest expense | $341,000 | 4,893 |
| Net interest income | $788,000 | 5,339 |
| Provision for loan and lease losses | $35,000 | 5,220 |
| Total noninterest income | $104,000 | 4,973 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $71,000 | 3,802 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $33,000 | 5,318 |
| Total noninterest expense | $670,000 | 5,437 |
| Salaries and employee benefits | $335,000 | 5,494 |
| Premises and equipment expense | $107,000 | 4,771 |
| Additional noninterest expense | $228,000 | 5,372 |
| Pre-tax net operating income | $187,000 | 4,204 |
| Securities gains (losses) | $6,000 | 1,850 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $193,000 | 3,951 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $193,000 | 3,950 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $193,000 | 3,950 |
| Net charge-offs | $55,000 | 3,635 |
| Cash dividends | $77,000 | 2,063 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $187,000 | 3,897 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,552,000 | 5,391 |
| Total interest expense | $1,547,000 | 5,090 |
| Net interest income | $3,005,000 | 5,380 |
| Provision for loan and lease losses | $278,000 | 5,386 |
| Total noninterest income | $451,000 | 4,914 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $360,000 | 3,531 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $91,000 | 5,761 |
| Total noninterest expense | $2,529,000 | 5,649 |
| Salaries and employee benefits | $1,230,000 | 5,777 |
| Premises and equipment expense | $397,000 | 5,012 |
| Additional noninterest expense | $902,000 | 5,523 |
| Pre-tax net operating income | $649,000 | 3,662 |
| Securities gains (losses) | $87,000 | 2,256 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $736,000 | 3,282 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $736,000 | 3,281 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $736,000 | 3,281 |
| Net charge-offs | $198,000 | 5,023 |
| Cash dividends | $482,000 | 2,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $649,000 | 3,419 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,418,000 | 5,456 |
| Total interest expense | $1,185,000 | 5,187 |
| Net interest income | $2,233,000 | 5,423 |
| Provision for loan and lease losses | $150,000 | 5,500 |
| Total noninterest income | $364,000 | 4,835 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $269,000 | 3,544 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $95,000 | 5,460 |
| Total noninterest expense | $1,896,000 | 5,669 |
| Salaries and employee benefits | $924,000 | 5,793 |
| Premises and equipment expense | $294,000 | 5,087 |
| Additional noninterest expense | $678,000 | 5,503 |
| Pre-tax net operating income | $551,000 | 3,750 |
| Securities gains (losses) | $51,000 | 2,287 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $602,000 | 3,389 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $602,000 | 3,387 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $602,000 | 3,389 |
| Net charge-offs | $100,000 | 5,053 |
| Cash dividends | $247,000 | 2,877 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $551,000 | 3,431 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,261,000 | 5,525 |
| Total interest expense | $805,000 | 5,266 |
| Net interest income | $1,456,000 | 5,480 |
| Provision for loan and lease losses | $90,000 | 5,421 |
| Total noninterest income | $239,000 | 4,898 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $167,000 | 3,668 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $72,000 | 5,325 |
| Total noninterest expense | $1,279,000 | 5,685 |
| Salaries and employee benefits | $612,000 | 5,876 |
| Premises and equipment expense | $200,000 | 5,076 |
| Additional noninterest expense | $467,000 | 5,428 |
| Pre-tax net operating income | $326,000 | 4,032 |
| Securities gains (losses) | $28,000 | 2,194 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $354,000 | 3,685 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $354,000 | 3,684 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $354,000 | 3,684 |
| Net charge-offs | $65,000 | 4,675 |
| Cash dividends | $175,000 | 2,819 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $326,000 | 3,704 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,144,000 | 5,549 |
| Total interest expense | $405,000 | 5,360 |
| Net interest income | $739,000 | 5,434 |
| Provision for loan and lease losses | $60,000 | 4,614 |
| Total noninterest income | $117,000 | 4,932 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $80,000 | 3,714 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $37,000 | 5,310 |
| Total noninterest expense | $649,000 | 5,595 |
| Salaries and employee benefits | $315,000 | 5,857 |
| Premises and equipment expense | $104,000 | 5,010 |
| Additional noninterest expense | $230,000 | 5,186 |
| Pre-tax net operating income | $147,000 | 4,540 |
| Securities gains (losses) | $10,000 | 1,902 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $157,000 | 4,266 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $157,000 | 4,269 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $157,000 | 4,269 |
| Net charge-offs | $-1,000 | 7,151 |
| Cash dividends | $76,000 | 2,444 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $147,000 | 4,226 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,729,000 | 5,611 |
| Total interest expense | $1,888,000 | 5,452 |
| Net interest income | $2,841,000 | 5,560 |
| Provision for loan and lease losses | $138,000 | 5,670 |
| Total noninterest income | $433,000 | 5,134 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $378,000 | 3,569 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $55,000 | 6,671 |
| Total noninterest expense | $2,341,000 | 5,809 |
| Salaries and employee benefits | $1,124,000 | 6,147 |
| Premises and equipment expense | $393,000 | 5,129 |
| Additional noninterest expense | $824,000 | 5,399 |
| Pre-tax net operating income | $795,000 | 4,177 |
| Securities gains (losses) | $10,000 | 2,511 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $805,000 | 3,690 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $805,000 | 3,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 3,989 |
| Cash dividends | $580,000 | 3,178 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $795,000 | 3,840 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,574,000 | 5,673 |
| Total interest expense | $1,464,000 | 5,489 |
| Net interest income | $2,110,000 | 5,634 |
| Provision for loan and lease losses | $90,000 | 5,263 |
| Total noninterest income | $330,000 | 5,185 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $287,000 | 3,570 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $43,000 | 6,778 |
| Total noninterest expense | $1,725,000 | 5,860 |
| Salaries and employee benefits | $823,000 | 6,219 |
| Premises and equipment expense | $306,000 | 5,047 |
| Additional noninterest expense | $596,000 | 5,442 |
| Pre-tax net operating income | $625,000 | 4,579 |
| Securities gains (losses) | $7,000 | 2,502 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $632,000 | 4,036 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $632,000 | 4,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,553 |
| Cash dividends | $342,000 | 3,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $625,000 | 4,203 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,409,000 | 5,714 |
| Total interest expense | $1,022,000 | 5,527 |
| Net interest income | $1,387,000 | 5,699 |
| Provision for loan and lease losses | $65,000 | 4,825 |
| Total noninterest income | $212,000 | 5,317 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $192,000 | 3,565 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $20,000 | 7,196 |
| Total noninterest expense | $1,142,000 | 5,915 |
| Salaries and employee benefits | $529,000 | 6,361 |
| Premises and equipment expense | $202,000 | 5,114 |
| Additional noninterest expense | $411,000 | 5,337 |
| Pre-tax net operating income | $392,000 | 4,833 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $393,000 | 4,510 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $393,000 | 4,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 2,644 |
| Cash dividends | $265,000 | 3,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $392,000 | 4,457 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,201,000 | 5,801 |
| Total interest expense | $542,000 | 5,553 |
| Net interest income | $659,000 | 5,858 |
| Provision for loan and lease losses | $15,000 | 5,068 |
| Total noninterest income | $123,000 | 5,026 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $96,000 | 3,537 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $27,000 | 6,042 |
| Total noninterest expense | $566,000 | 5,971 |
| Salaries and employee benefits | $263,000 | 6,404 |
| Premises and equipment expense | $105,000 | 5,030 |
| Additional noninterest expense | $198,000 | 5,404 |
| Pre-tax net operating income | $201,000 | 4,948 |
| Securities gains (losses) | $1,000 | 2,556 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $202,000 | 4,639 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $202,000 | 4,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,531 |
| Cash dividends | $25,000 | 3,550 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $201,000 | 4,556 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,670,000 | 5,890 |
| Total interest expense | $2,180,000 | 5,637 |
| Net interest income | $2,490,000 | 5,993 |
| Provision for loan and lease losses | $10,000 | 6,581 |
| Total noninterest income | $341,000 | 5,797 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $359,000 | 3,731 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $-18,000 | 8,468 |
| Total noninterest expense | $2,160,000 | 6,008 |
| Salaries and employee benefits | $1,077,000 | 6,274 |
| Premises and equipment expense | $364,000 | 5,298 |
| Additional noninterest expense | $719,000 | 5,662 |
| Pre-tax net operating income | $661,000 | 5,539 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $661,000 | 5,166 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $661,000 | 5,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,544 |
| Cash dividends | $120,000 | 5,251 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $661,000 | 5,148 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,453,000 | 5,963 |
| Total interest expense | $1,606,000 | 5,700 |
| Net interest income | $1,847,000 | 6,048 |
| Provision for loan and lease losses | $10,000 | 6,151 |
| Total noninterest income | $237,000 | 5,996 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $264,000 | 3,776 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $-27,000 | 8,517 |
| Total noninterest expense | $1,567,000 | 6,084 |
| Salaries and employee benefits | $735,000 | 6,487 |
| Premises and equipment expense | $278,000 | 5,235 |
| Additional noninterest expense | $554,000 | 5,536 |
| Pre-tax net operating income | $507,000 | 5,744 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $507,000 | 5,348 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $507,000 | 5,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 3,185 |
| Cash dividends | $55,000 | 4,910 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $507,000 | 5,332 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,231,000 | 6,053 |
| Total interest expense | $1,054,000 | 5,736 |
| Net interest income | $1,177,000 | 6,198 |
| Provision for loan and lease losses | $10,000 | 5,732 |
| Total noninterest income | $159,000 | 6,026 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $173,000 | 3,804 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $-14,000 | 8,569 |
| Total noninterest expense | $1,060,000 | 6,086 |
| Salaries and employee benefits | $499,000 | 6,487 |
| Premises and equipment expense | $182,000 | 5,314 |
| Additional noninterest expense | $379,000 | 5,462 |
| Pre-tax net operating income | $266,000 | 6,257 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $266,000 | 5,902 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $266,000 | 5,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,631 |
| Cash dividends | $44,000 | 4,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $266,000 | 5,889 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,084,000 | 6,122 |
| Total interest expense | $525,000 | 5,741 |
| Net interest income | $559,000 | 6,359 |
| Provision for loan and lease losses | $10,000 | 5,012 |
| Total noninterest income | $74,000 | 6,121 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $88,000 | 3,710 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $-14,000 | 8,608 |
| Total noninterest expense | $524,000 | 6,159 |
| Salaries and employee benefits | $255,000 | 6,482 |
| Premises and equipment expense | $90,000 | 5,373 |
| Additional noninterest expense | $179,000 | 5,608 |
| Pre-tax net operating income | $99,000 | 6,677 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $99,000 | 6,418 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $99,000 | 6,417 |
| 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 | 3,935 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $99,000 | 6,399 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,356,000 | 5,913 |
| Total interest expense | $1,974,000 | 5,438 |
| Net interest income | $2,382,000 | 6,149 |
| Provision for loan and lease losses | $180,000 | 3,697 |
| Total noninterest income | $487,000 | 5,195 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $373,000 | 3,671 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $114,000 | 6,103 |
| Total noninterest expense | $2,362,000 | 5,664 |
| Salaries and employee benefits | $1,122,000 | 6,102 |
| Premises and equipment expense | $423,000 | 4,750 |
| Additional noninterest expense | $817,000 | 5,172 |
| Pre-tax net operating income | $327,000 | 7,026 |
| Securities gains (losses) | $-4,000 | 7,017 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $323,000 | 6,824 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $323,000 | 6,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $356,000 | 1,471 |
| Cash dividends | $478,000 | 3,807 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $327,000 | 6,806 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,279,000 | 5,928 |
| Total interest expense | $1,444,000 | 5,433 |
| Net interest income | $1,835,000 | 6,145 |
| Provision for loan and lease losses | $30,000 | 5,631 |
| Total noninterest income | $376,000 | 5,151 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $277,000 | 3,727 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $99,000 | 5,863 |
| Total noninterest expense | $1,738,000 | 5,701 |
| Salaries and employee benefits | $847,000 | 6,069 |
| Premises and equipment expense | $300,000 | 4,946 |
| Additional noninterest expense | $591,000 | 5,266 |
| Pre-tax net operating income | $443,000 | 6,445 |
| Securities gains (losses) | $-4,000 | 7,334 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $439,000 | 6,039 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $439,000 | 6,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $240,000 | 1,338 |
| Cash dividends | $256,000 | 3,867 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $443,000 | 6,020 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,177,000 | 5,918 |
| Total interest expense | $932,000 | 5,409 |
| Net interest income | $1,245,000 | 6,127 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $251,000 | 5,140 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $174,000 | 3,822 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $77,000 | 5,619 |
| Total noninterest expense | $1,158,000 | 5,723 |
| Salaries and employee benefits | $575,000 | 6,036 |
| Premises and equipment expense | $200,000 | 4,932 |
| Additional noninterest expense | $383,000 | 5,359 |
| Pre-tax net operating income | $308,000 | 6,404 |
| Securities gains (losses) | $-4,000 | 7,633 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $304,000 | 5,984 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $304,000 | 5,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 1,184 |
| Cash dividends | $254,000 | 3,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $308,000 | 5,956 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,076,000 | 5,904 |
| Total interest expense | $443,000 | 5,428 |
| Net interest income | $633,000 | 6,093 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $161,000 | 4,484 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $83,000 | 3,860 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $78,000 | 4,205 |
| Total noninterest expense | $600,000 | 5,631 |
| Salaries and employee benefits | $294,000 | 5,999 |
| Premises and equipment expense | $101,000 | 4,920 |
| Additional noninterest expense | $205,000 | 5,106 |
| Pre-tax net operating income | $164,000 | 6,242 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $164,000 | 5,759 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $164,000 | 5,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,335 |
| Cash dividends | $32,000 | 3,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $164,000 | 5,762 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,067,000 | 5,777 |
| Total interest expense | $1,510,000 | 5,211 |
| Net interest income | $2,557,000 | 5,983 |
| Provision for loan and lease losses | $313,000 | 2,736 |
| Total noninterest income | $396,000 | 5,737 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $398,000 | 3,566 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-2,000 | 8,788 |
| Total noninterest expense | $2,354,000 | 5,572 |
| Salaries and employee benefits | $1,112,000 | 6,025 |
| Premises and equipment expense | $465,000 | 4,396 |
| Additional noninterest expense | $777,000 | 5,269 |
| Pre-tax net operating income | $286,000 | 7,441 |
| Securities gains (losses) | $-3,000 | 7,152 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $283,000 | 7,252 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $283,000 | 7,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $243,000 | 2,017 |
| Cash dividends | $102,000 | 5,458 |
| Sale, conversion, retirement of capital stock, net | $200,000 | 648 |
| Net operating income | $286,000 | 7,225 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,998,000 | 5,799 |
| Total interest expense | $1,084,000 | 5,219 |
| Net interest income | $1,914,000 | 6,018 |
| Provision for loan and lease losses | $286,000 | 2,277 |
| Total noninterest income | $289,000 | 5,840 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $298,000 | 3,564 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-9,000 | 8,831 |
| Total noninterest expense | $1,755,000 | 5,553 |
| Salaries and employee benefits | $805,000 | 6,113 |
| Premises and equipment expense | $342,000 | 4,434 |
| Additional noninterest expense | $608,000 | 5,075 |
| Pre-tax net operating income | $162,000 | 7,787 |
| Securities gains (losses) | $-3,000 | 7,524 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $159,000 | 7,667 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $159,000 | 7,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,033 |
| Cash dividends | $88,000 | 4,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $162,000 | 7,618 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,972,000 | 5,783 |
| Total interest expense | $687,000 | 5,207 |
| Net interest income | $1,285,000 | 5,981 |
| Provision for loan and lease losses | $46,000 | 4,697 |
| Total noninterest income | $268,000 | 5,051 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $195,000 | 3,554 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $73,000 | 5,795 |
| Total noninterest expense | $1,104,000 | 5,731 |
| Salaries and employee benefits | $500,000 | 6,347 |
| Premises and equipment expense | $221,000 | 4,481 |
| Additional noninterest expense | $383,000 | 5,241 |
| Pre-tax net operating income | $403,000 | 5,963 |
| Securities gains (losses) | $-4,000 | 7,869 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $399,000 | 5,441 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $399,000 | 5,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 1,672 |
| Cash dividends | $88,000 | 4,409 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $403,000 | 5,392 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $981,000 | 5,792 |
| Total interest expense | $333,000 | 5,198 |
| Net interest income | $648,000 | 5,980 |
| Provision for loan and lease losses | $6,000 | 5,706 |
| Total noninterest income | $99,000 | 5,706 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $89,000 | 3,718 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $10,000 | 7,741 |
| Total noninterest expense | $533,000 | 5,882 |
| Salaries and employee benefits | $240,000 | 6,497 |
| Premises and equipment expense | $106,000 | 4,677 |
| Additional noninterest expense | $187,000 | 5,322 |
| Pre-tax net operating income | $208,000 | 5,878 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $208,000 | 5,324 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $208,000 | 5,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,325 |
| Cash dividends | $31,000 | 3,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $208,000 | 5,288 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,919,000 | 5,612 |
| Total interest expense | $1,221,000 | 5,062 |
| Net interest income | $2,698,000 | 5,758 |
| Provision for loan and lease losses | $1,861,000 | 585 |
| Total noninterest income | $303,000 | 6,384 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $413,000 | 3,572 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-110,000 | 8,966 |
| Total noninterest expense | $2,245,000 | 5,635 |
| Salaries and employee benefits | $1,036,000 | 6,170 |
| Premises and equipment expense | $423,000 | 4,589 |
| Additional noninterest expense | $786,000 | 5,152 |
| Pre-tax net operating income | $-1,105,000 | 8,822 |
| Securities gains (losses) | $24,000 | 2,281 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-1,081,000 | 8,848 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,081,000 | 8,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,561,000 | 556 |
| Cash dividends | $253,000 | 4,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-1,105,000 | 8,827 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,975,000 | 5,579 |
| Total interest expense | $904,000 | 5,078 |
| Net interest income | $2,071,000 | 5,678 |
| Provision for loan and lease losses | $405,000 | 1,746 |
| Total noninterest income | $272,000 | 6,036 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $321,000 | 3,496 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $-49,000 | 9,018 |
| Total noninterest expense | $1,656,000 | 5,655 |
| Salaries and employee benefits | $770,000 | 6,153 |
| Premises and equipment expense | $302,000 | 4,731 |
| Additional noninterest expense | $584,000 | 5,128 |
| Pre-tax net operating income | $282,000 | 7,317 |
| Securities gains (losses) | $7,000 | 2,893 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $289,000 | 6,970 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $289,000 | 6,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 1,333 |
| Cash dividends | $253,000 | 3,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $282,000 | 6,956 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,976,000 | 5,585 |
| Total interest expense | $597,000 | 5,114 |
| Net interest income | $1,379,000 | 5,673 |
| Provision for loan and lease losses | $180,000 | 2,366 |
| Total noninterest income | $213,000 | 5,678 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $212,000 | 3,504 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,000 | 8,898 |
| Total noninterest expense | $1,150,000 | 5,573 |
| Salaries and employee benefits | $544,000 | 5,994 |
| Premises and equipment expense | $201,000 | 4,744 |
| Additional noninterest expense | $405,000 | 5,020 |
| Pre-tax net operating income | $262,000 | 6,752 |
| Securities gains (losses) | $1,000 | 3,212 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $263,000 | 6,331 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $263,000 | 6,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 2,510 |
| Cash dividends | $229,000 | 3,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $262,000 | 6,253 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $988,000 | 5,611 |
| Total interest expense | $303,000 | 5,136 |
| Net interest income | $685,000 | 5,705 |
| Provision for loan and lease losses | $70,000 | 2,755 |
| Total noninterest income | $97,000 | 5,845 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $100,000 | 3,583 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $-3,000 | 9,074 |
| Total noninterest expense | $579,000 | 5,566 |
| Salaries and employee benefits | $269,000 | 6,097 |
| Premises and equipment expense | $100,000 | 4,791 |
| Additional noninterest expense | $210,000 | 4,897 |
| Pre-tax net operating income | $133,000 | 6,682 |
| Securities gains (losses) | $1,000 | 2,756 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $134,000 | 6,266 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $134,000 | 6,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $76,000 | 3,107 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $133,000 | 6,173 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,837,000 | 5,784 |
| Total interest expense | $1,317,000 | 5,289 |
| Net interest income | $2,520,000 | 5,878 |
| Provision for loan and lease losses | $270,000 | 3,394 |
| Total noninterest income | $298,000 | 6,614 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $446,000 | 3,402 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $-148,000 | 9,171 |
| Total noninterest expense | $2,106,000 | 5,813 |
| Salaries and employee benefits | $988,000 | 6,303 |
| Premises and equipment expense | $427,000 | 4,519 |
| Additional noninterest expense | $691,000 | 5,541 |
| Pre-tax net operating income | $442,000 | 6,873 |
| Securities gains (losses) | $82,000 | 2,069 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $524,000 | 6,239 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $524,000 | 6,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $417,000 | 1,828 |
| Cash dividends | $203,000 | 4,897 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $442,000 | 6,443 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,844,000 | 5,881 |
| Total interest expense | $1,006,000 | 5,366 |
| Net interest income | $1,838,000 | 5,995 |
| Provision for loan and lease losses | $230,000 | 3,018 |
| Total noninterest income | $234,000 | 6,559 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $332,000 | 3,416 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-98,000 | 9,230 |
| Total noninterest expense | $1,517,000 | 5,943 |
| Salaries and employee benefits | $736,000 | 6,314 |
| Premises and equipment expense | $307,000 | 4,636 |
| Additional noninterest expense | $474,000 | 5,808 |
| Pre-tax net operating income | $325,000 | 7,045 |
| Securities gains (losses) | $82,000 | 1,915 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $407,000 | 6,315 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $407,000 | 6,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,131 |
| Cash dividends | $203,000 | 3,991 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $325,000 | 6,629 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,854,000 | 5,969 |
| Total interest expense | $686,000 | 5,412 |
| Net interest income | $1,168,000 | 6,142 |
| Provision for loan and lease losses | $140,000 | 3,226 |
| Total noninterest income | $168,000 | 6,381 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $216,000 | 3,438 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $-48,000 | 9,253 |
| Total noninterest expense | $1,003,000 | 5,973 |
| Salaries and employee benefits | $499,000 | 6,276 |
| Premises and equipment expense | $202,000 | 4,671 |
| Additional noninterest expense | $302,000 | 5,958 |
| Pre-tax net operating income | $193,000 | 7,265 |
| Securities gains (losses) | $82,000 | 1,661 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $275,000 | 6,303 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $275,000 | 6,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 2,041 |
| Cash dividends | $203,000 | 3,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $193,000 | 6,845 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $906,000 | 6,075 |
| Total interest expense | $354,000 | 5,419 |
| Net interest income | $552,000 | 6,332 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $108,000 | 5,715 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $103,000 | 3,472 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,000 | 8,460 |
| Total noninterest expense | $541,000 | 5,700 |
| Salaries and employee benefits | $244,000 | 6,341 |
| Premises and equipment expense | $100,000 | 4,694 |
| Additional noninterest expense | $197,000 | 5,007 |
| Pre-tax net operating income | $59,000 | 7,854 |
| Securities gains (losses) | $1,000 | 2,714 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $60,000 | 7,685 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $60,000 | 7,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 1,647 |
| Cash dividends | $145,000 | 2,590 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $59,000 | 7,557 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,888,000 | 5,998 |
| Total interest expense | $1,749,000 | 5,230 |
| Net interest income | $2,139,000 | 6,412 |
| Provision for loan and lease losses | $545,000 | 2,239 |
| Total noninterest income | $376,000 | 5,932 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $425,000 | 3,383 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-49,000 | 9,313 |
| Total noninterest expense | $1,836,000 | 6,187 |
| Salaries and employee benefits | $944,000 | 6,337 |
| Premises and equipment expense | $211,000 | 6,643 |
| Additional noninterest expense | $681,000 | 5,501 |
| Pre-tax net operating income | $134,000 | 8,176 |
| Securities gains (losses) | $122,000 | 1,572 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $256,000 | 7,531 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $256,000 | 7,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $349,000 | 2,138 |
| Cash dividends | $228,000 | 4,739 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $134,000 | 8,067 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,737,000 | 5,806 |
| Total interest expense | $2,553,000 | 5,330 |
| Net interest income | $2,184,000 | 6,149 |
| Provision for loan and lease losses | $636,000 | 1,811 |
| Total noninterest income | $426,000 | 5,514 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $426,000 | 3,227 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $0 | 9,480 |
| Total noninterest expense | $1,689,000 | 6,362 |
| Salaries and employee benefits | $866,000 | 6,512 |
| Premises and equipment expense | $146,000 | 7,591 |
| Additional noninterest expense | $677,000 | 5,408 |
| Pre-tax net operating income | $285,000 | 7,487 |
| Securities gains (losses) | $148,000 | 1,419 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $433,000 | 6,383 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $433,000 | 6,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $632,000 | 1,311 |
| Cash dividends | $514,000 | 3,397 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $285,000 | 7,108 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,938,000 | 5,782 |
| Total interest expense | $2,751,000 | 5,241 |
| Net interest income | $2,187,000 | 6,288 |
| Provision for loan and lease losses | $200,000 | 3,731 |
| Total noninterest income | $333,000 | 6,035 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $372,000 | 3,425 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $-39,000 | 9,915 |
| Total noninterest expense | $1,523,000 | 6,699 |
| Salaries and employee benefits | $870,000 | 6,419 |
| Premises and equipment expense | $101,000 | 8,420 |
| Additional noninterest expense | $552,000 | 6,061 |
| Pre-tax net operating income | $797,000 | 5,880 |
| Securities gains (losses) | $-33,000 | 8,995 |
| Applicable income taxes | $268,000 | 4,834 |
| Income before extraordinary items | $496,000 | 6,353 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $496,000 | 6,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $383,000 | 1,528 |
| Cash dividends | $670,000 | 3,007 |
| Sale, conversion, retirement of capital stock, net | $69,000 | 734 |
| Net operating income | $517,450 | 6,244 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,304,000 | 6,098 |
| Total interest expense | $2,089,000 | 5,843 |
| Net interest income | $2,215,000 | 6,257 |
| Provision for loan and lease losses | $105,000 | 5,113 |
| Total noninterest income | $356,000 | 5,954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $351,000 | 3,563 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 9,956 |
| Total noninterest expense | $1,520,000 | 6,723 |
| Salaries and employee benefits | $897,000 | 6,324 |
| Premises and equipment expense | $116,000 | 8,318 |
| Additional noninterest expense | $507,000 | 6,475 |
| Pre-tax net operating income | $946,000 | 5,469 |
| Securities gains (losses) | $-6,000 | 9,143 |
| Applicable income taxes | $242,000 | 5,293 |
| Income before extraordinary items | $698,000 | 5,469 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $698,000 | 5,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 2,454 |
| Cash dividends | $608,000 | 3,115 |
| Sale, conversion, retirement of capital stock, net | $69,000 | 822 |
| Net operating income | $702,440 | 5,418 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,154,000 | 6,343 |
| Total interest expense | $2,091,000 | 6,041 |
| Net interest income | $2,063,000 | 6,557 |
| Provision for loan and lease losses | $190,000 | 3,612 |
| Total noninterest income | $270,000 | 6,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $260,000 | 4,367 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,972 |
| Total noninterest expense | $1,143,000 | 7,701 |
| Salaries and employee benefits | $716,000 | 7,100 |
| Premises and equipment expense | $109,000 | 8,510 |
| Additional noninterest expense | $318,000 | 7,958 |
| Pre-tax net operating income | $1,000,000 | 5,414 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $330,000 | 4,920 |
| Income before extraordinary items | $670,000 | 5,730 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $670,000 | 5,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,323 |
| Cash dividends | $440,000 | 3,827 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 886 |
| Net operating income | $670,000 | 5,631 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,874,000 | 6,771 |
| Total interest expense | $2,139,000 | 6,011 |
| Net interest income | $1,735,000 | 7,473 |
| Provision for loan and lease losses | $200,000 | 3,424 |
| Total noninterest income | $243,000 | 7,298 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $236,000 | 4,834 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 10,577 |
| Total noninterest expense | $947,000 | 8,522 |
| Salaries and employee benefits | $627,000 | 7,740 |
| Premises and equipment expense | $78,000 | 9,482 |
| Additional noninterest expense | $242,000 | 8,940 |
| Pre-tax net operating income | $831,000 | 6,407 |
| Securities gains (losses) | $-30,000 | 10,516 |
| Applicable income taxes | $210,000 | 6,756 |
| Income before extraordinary items | $591,000 | 6,424 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $591,000 | 6,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 2,947 |
| Cash dividends | $375,000 | 4,099 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 872 |
| Net operating income | $613,200 | 6,233 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,652,000 | 7,219 |
| Total interest expense | $2,080,000 | 6,268 |
| Net interest income | $1,572,000 | 8,096 |
| Provision for loan and lease losses | $225,000 | 3,146 |
| Total noninterest income | $221,000 | 7,946 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $214,000 | 5,329 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 11,116 |
| Total noninterest expense | $881,000 | 9,121 |
| Salaries and employee benefits | $618,000 | 8,017 |
| Premises and equipment expense | $66,000 | 10,194 |
| Additional noninterest expense | $197,000 | 9,966 |
| Pre-tax net operating income | $687,000 | 6,995 |
| Securities gains (losses) | $-12,000 | 10,370 |
| Applicable income taxes | $140,000 | 8,024 |
| Income before extraordinary items | $535,000 | 6,660 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $535,000 | 6,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,856 |
| Cash dividends | $380,000 | 4,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $544,480 | 6,533 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,242,000 | 7,876 |
| Total interest expense | $1,905,000 | 6,677 |
| Net interest income | $1,337,000 | 8,969 |
| Provision for loan and lease losses | $80,000 | 5,097 |
| Total noninterest income | $236,000 | 7,897 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $206,000 | 5,584 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 10,278 |
| Total noninterest expense | $841,000 | 9,596 |
| Salaries and employee benefits | $521,000 | 8,939 |
| Premises and equipment expense | $62,000 | 10,713 |
| Additional noninterest expense | $258,000 | 9,751 |
| Pre-tax net operating income | $652,000 | 7,575 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $134,000 | 8,547 |
| Income before extraordinary items | $517,000 | 7,123 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $517,000 | 7,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,894 |
| Cash dividends | $484,000 | 3,437 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $517,790 | 7,099 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,702,000 | 8,546 |
| Total interest expense | $1,263,000 | 7,676 |
| Net interest income | $1,439,000 | 9,045 |
| Provision for loan and lease losses | $514,000 | 1,507 |
| Total noninterest income | $204,000 | 8,663 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $202,000 | 5,828 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 12,485 |
| Total noninterest expense | $813,000 | 10,190 |
| Salaries and employee benefits | $494,000 | 9,442 |
| Premises and equipment expense | $60,000 | 11,299 |
| Additional noninterest expense | $259,000 | 10,419 |
| Pre-tax net operating income | $318,000 | 10,007 |
| Securities gains (losses) | $20,000 | 1,779 |
| Applicable income taxes | $35,000 | 10,807 |
| Income before extraordinary items | $303,000 | 9,108 |
| Extraordinary gains, net | $84,000 | 127 |
| Net income | $387,000 | 8,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $279,000 | 2,014 |
| Cash dividends | $310,000 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $285,000 | 9,370 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,458,000 | 9,275 |
| Total interest expense | $997,000 | 9,130 |
| Net interest income | $1,461,000 | 9,239 |
| Provision for loan and lease losses | $116,000 | 5,411 |
| Total noninterest income | $207,000 | 9,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $203,000 | 5,916 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 13,083 |
| Total noninterest expense | $793,000 | 10,700 |
| Salaries and employee benefits | $525,000 | 9,422 |
| Premises and equipment expense | $60,000 | 11,855 |
| Additional noninterest expense | $208,000 | 11,617 |
| Pre-tax net operating income | $759,000 | 7,038 |
| Securities gains (losses) | $44,000 | 3,595 |
| Applicable income taxes | $164,000 | 8,333 |
| Income before extraordinary items | $639,000 | 6,502 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $639,000 | 6,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 3,218 |
| Cash dividends | $171,000 | 5,813 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $603,800 | 6,508 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,265,000 | 10,346 |
| Total interest expense | $1,014,000 | 10,326 |
| Net interest income | $1,251,000 | 10,139 |
| Provision for loan and lease losses | $148,000 | 6,150 |
| Total noninterest income | $180,000 | 9,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $174,000 | 6,517 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 13,603 |
| Total noninterest expense | $840,000 | 10,805 |
| Salaries and employee benefits | $488,000 | 9,890 |
| Premises and equipment expense | $74,000 | 11,720 |
| Additional noninterest expense | $278,000 | 11,152 |
| Pre-tax net operating income | $443,000 | 8,856 |
| Securities gains (losses) | $91,000 | 3,163 |
| Applicable income taxes | $140,000 | 8,887 |
| Income before extraordinary items | $394,000 | 8,284 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $394,000 | 8,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 4,281 |
| Cash dividends | $122,000 | 6,169 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $326,660 | 8,622 |
* 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.