Home > Colorado Valley Bank,SSB > Income and Expense
Colorado Valley Bank,SSB, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $723,000 | 6,680 |
| Total interest expense | $164,000 | 6,077 |
| Net interest income | $559,000 | 6,748 |
| Provision for loan and lease losses | $2,000 | 5,568 |
| Total noninterest income | $30,000 | 6,745 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $23,000 | 6,408 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,000 | 6,537 |
| Total noninterest expense | $741,000 | 6,223 |
| Salaries and employee benefits | $371,000 | 6,300 |
| Premises and equipment expense | $86,000 | 6,039 |
| Additional noninterest expense | $284,000 | 5,996 |
| Pre-tax net operating income | $-154,000 | 6,587 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-154,000 | 6,681 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-154,000 | 6,682 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-154,000 | 6,682 |
| Net charge-offs | $-1,000 | 6,120 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-154,000 | 6,602 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $373,000 | 6,698 |
| Total interest expense | $84,000 | 6,146 |
| Net interest income | $289,000 | 6,771 |
| Provision for loan and lease losses | $2,000 | 5,167 |
| Total noninterest income | $16,000 | 6,769 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $12,000 | 6,375 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $4,000 | 6,590 |
| Total noninterest expense | $394,000 | 6,169 |
| Salaries and employee benefits | $184,000 | 6,347 |
| Premises and equipment expense | $44,000 | 6,052 |
| Additional noninterest expense | $166,000 | 5,756 |
| Pre-tax net operating income | $-91,000 | 6,717 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-91,000 | 6,794 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-91,000 | 6,795 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-91,000 | 6,795 |
| Net charge-offs | $-1,000 | 5,761 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-91,000 | 6,732 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,349,000 | 6,871 |
| Total interest expense | $387,000 | 6,250 |
| Net interest income | $962,000 | 6,965 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $68,000 | 6,677 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $58,000 | 6,200 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $10,000 | 6,530 |
| Total noninterest expense | $1,722,000 | 6,070 |
| Salaries and employee benefits | $797,000 | 6,280 |
| Premises and equipment expense | $181,000 | 6,164 |
| Additional noninterest expense | $744,000 | 5,556 |
| Pre-tax net operating income | $-692,000 | 6,483 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-692,000 | 6,553 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-692,000 | 6,553 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-692,000 | 6,552 |
| Net charge-offs | $0 | 6,441 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-692,000 | 6,524 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $975,000 | 6,976 |
| Total interest expense | $300,000 | 6,317 |
| Net interest income | $675,000 | 7,083 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $53,000 | 6,750 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $46,000 | 6,170 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $7,000 | 6,714 |
| Total noninterest expense | $1,300,000 | 6,106 |
| Salaries and employee benefits | $567,000 | 6,371 |
| Premises and equipment expense | $140,000 | 6,154 |
| Additional noninterest expense | $593,000 | 5,456 |
| Pre-tax net operating income | $-572,000 | 6,651 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-572,000 | 6,718 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-572,000 | 6,719 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-572,000 | 6,719 |
| Net charge-offs | $1,000 | 6,123 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-572,000 | 6,681 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $625,000 | 7,074 |
| Total interest expense | $196,000 | 6,450 |
| Net interest income | $429,000 | 7,167 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $37,000 | 6,796 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $34,000 | 6,037 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,000 | 6,846 |
| Total noninterest expense | $872,000 | 6,150 |
| Salaries and employee benefits | $333,000 | 6,628 |
| Premises and equipment expense | $97,000 | 6,147 |
| Additional noninterest expense | $442,000 | 5,297 |
| Pre-tax net operating income | $-406,000 | 6,736 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-406,000 | 6,788 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-406,000 | 6,787 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-406,000 | 6,788 |
| Net charge-offs | $1,000 | 5,777 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-406,000 | 6,779 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $300,000 | 7,153 |
| Total interest expense | $105,000 | 6,443 |
| Net interest income | $195,000 | 7,274 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $19,000 | 6,841 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $18,000 | 5,934 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,000 | 7,012 |
| Total noninterest expense | $413,000 | 6,291 |
| Salaries and employee benefits | $161,000 | 6,721 |
| Premises and equipment expense | $42,000 | 6,408 |
| Additional noninterest expense | $210,000 | 5,411 |
| Pre-tax net operating income | $-199,000 | 6,824 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-199,000 | 6,881 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-199,000 | 6,881 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-199,000 | 6,881 |
| Net charge-offs | $-2,000 | 6,441 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-199,000 | 6,869 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,360,000 | 7,144 |
| Total interest expense | $499,000 | 6,522 |
| Net interest income | $861,000 | 7,271 |
| Provision for loan and lease losses | $0 | 7,042 |
| Total noninterest income | $83,000 | 6,809 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $66,000 | 5,976 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $17,000 | 6,653 |
| Total noninterest expense | $1,706,000 | 6,297 |
| Salaries and employee benefits | $651,000 | 6,800 |
| Premises and equipment expense | $165,000 | 6,508 |
| Additional noninterest expense | $890,000 | 5,378 |
| Pre-tax net operating income | $-762,000 | 6,377 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $71,000 | 3,441 |
| Income before extraordinary items | $-833,000 | 6,513 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-833,000 | 6,515 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-833,000 | 6,515 |
| Net charge-offs | $20,000 | 6,376 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-833,000 | 6,472 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,033,000 | 7,241 |
| Total interest expense | $383,000 | 6,630 |
| Net interest income | $650,000 | 7,365 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $65,000 | 6,918 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $50,000 | 6,058 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $15,000 | 6,786 |
| Total noninterest expense | $1,202,000 | 6,472 |
| Salaries and employee benefits | $489,000 | 6,854 |
| Premises and equipment expense | $127,000 | 6,552 |
| Additional noninterest expense | $586,000 | 5,709 |
| Pre-tax net operating income | $-487,000 | 6,541 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $78,000 | 3,281 |
| Income before extraordinary items | $-565,000 | 6,705 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-565,000 | 6,706 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-565,000 | 6,706 |
| Net charge-offs | $7,000 | 6,361 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-565,000 | 6,645 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $691,000 | 7,307 |
| Total interest expense | $255,000 | 6,724 |
| Net interest income | $436,000 | 7,424 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $39,000 | 7,041 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $36,000 | 5,999 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $3,000 | 7,111 |
| Total noninterest expense | $781,000 | 6,546 |
| Salaries and employee benefits | $328,000 | 6,896 |
| Premises and equipment expense | $98,000 | 6,343 |
| Additional noninterest expense | $355,000 | 5,921 |
| Pre-tax net operating income | $-306,000 | 6,584 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-306,000 | 6,701 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-306,000 | 6,703 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-306,000 | 6,702 |
| Net charge-offs | $7,000 | 5,969 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-306,000 | 6,653 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $346,000 | 7,407 |
| Total interest expense | $127,000 | 6,843 |
| Net interest income | $219,000 | 7,513 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $18,000 | 7,169 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $15,000 | 6,220 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $3,000 | 7,164 |
| Total noninterest expense | $382,000 | 6,671 |
| Salaries and employee benefits | $170,000 | 6,925 |
| Premises and equipment expense | $45,000 | 6,571 |
| Additional noninterest expense | $167,000 | 6,104 |
| Pre-tax net operating income | $-145,000 | 6,747 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-145,000 | 6,845 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-145,000 | 6,846 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-145,000 | 6,845 |
| Net charge-offs | $9,000 | 4,900 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-145,000 | 6,803 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,620,000 | 7,340 |
| Total interest expense | $632,000 | 6,849 |
| Net interest income | $988,000 | 7,453 |
| Provision for loan and lease losses | $86,000 | 6,551 |
| Total noninterest income | $120,000 | 6,818 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $80,000 | 6,027 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $40,000 | 6,564 |
| Total noninterest expense | $1,643,000 | 6,618 |
| Salaries and employee benefits | $728,000 | 6,901 |
| Premises and equipment expense | $193,000 | 6,537 |
| Additional noninterest expense | $722,000 | 6,058 |
| Pre-tax net operating income | $-621,000 | 6,062 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-313,000 | 6,879 |
| Income before extraordinary items | $-308,000 | 5,935 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-308,000 | 5,934 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-308,000 | 5,934 |
| Net charge-offs | $55,000 | 6,147 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-308,000 | 5,933 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,248,000 | 7,389 |
| Total interest expense | $502,000 | 6,877 |
| Net interest income | $746,000 | 7,513 |
| Provision for loan and lease losses | $86,000 | 6,164 |
| Total noninterest income | $97,000 | 6,867 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $65,000 | 5,987 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $32,000 | 6,662 |
| Total noninterest expense | $1,140,000 | 6,785 |
| Salaries and employee benefits | $542,000 | 6,938 |
| Premises and equipment expense | $149,000 | 6,540 |
| Additional noninterest expense | $449,000 | 6,467 |
| Pre-tax net operating income | $-383,000 | 6,220 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-150,000 | 7,033 |
| Income before extraordinary items | $-233,000 | 6,163 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-233,000 | 6,164 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-233,000 | 6,163 |
| Net charge-offs | $55,000 | 5,610 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-233,000 | 6,137 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $844,000 | 7,439 |
| Total interest expense | $343,000 | 6,947 |
| Net interest income | $501,000 | 7,558 |
| Provision for loan and lease losses | $66,000 | 5,763 |
| Total noninterest income | $74,000 | 6,766 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $39,000 | 6,109 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $35,000 | 6,236 |
| Total noninterest expense | $750,000 | 6,887 |
| Salaries and employee benefits | $370,000 | 6,964 |
| Premises and equipment expense | $109,000 | 6,430 |
| Additional noninterest expense | $271,000 | 6,707 |
| Pre-tax net operating income | $-241,000 | 6,349 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-150,000 | 7,241 |
| Income before extraordinary items | $-91,000 | 6,170 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-91,000 | 6,168 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-91,000 | 6,168 |
| Net charge-offs | $49,000 | 4,935 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-91,000 | 6,129 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $434,000 | 7,456 |
| Total interest expense | $174,000 | 7,014 |
| Net interest income | $260,000 | 7,545 |
| Provision for loan and lease losses | $66,000 | 4,534 |
| Total noninterest income | $37,000 | 6,760 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $18,000 | 6,172 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $19,000 | 6,215 |
| Total noninterest expense | $350,000 | 7,003 |
| Salaries and employee benefits | $184,000 | 7,019 |
| Premises and equipment expense | $63,000 | 6,194 |
| Additional noninterest expense | $103,000 | 7,049 |
| Pre-tax net operating income | $-119,000 | 6,705 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-119,000 | 6,852 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-119,000 | 6,853 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-119,000 | 6,853 |
| Net charge-offs | $49,000 | 3,571 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-119,000 | 6,763 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,832,000 | 7,458 |
| Total interest expense | $837,000 | 7,063 |
| Net interest income | $995,000 | 7,596 |
| Provision for loan and lease losses | $-29,000 | 8,223 |
| Total noninterest income | $173,000 | 6,688 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $104,000 | 5,845 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $69,000 | 6,401 |
| Total noninterest expense | $1,591,000 | 6,754 |
| Salaries and employee benefits | $812,000 | 6,868 |
| Premises and equipment expense | $193,000 | 6,740 |
| Additional noninterest expense | $586,000 | 6,279 |
| Pre-tax net operating income | $-394,000 | 6,700 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-394,000 | 6,641 |
| Extraordinary gains, net | $311,000 | 16 |
| Net income | $-83,000 | 6,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,787 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-394,000 | 6,780 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,391,000 | 7,520 |
| Total interest expense | $649,000 | 7,121 |
| Net interest income | $742,000 | 7,665 |
| Provision for loan and lease losses | $-29,000 | 8,292 |
| Total noninterest income | $128,000 | 6,818 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $79,000 | 5,863 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $49,000 | 6,608 |
| Total noninterest expense | $1,155,000 | 6,817 |
| Salaries and employee benefits | $562,000 | 7,037 |
| Premises and equipment expense | $144,000 | 6,784 |
| Additional noninterest expense | $449,000 | 6,185 |
| Pre-tax net operating income | $-256,000 | 7,079 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-256,000 | 6,969 |
| Extraordinary gains, net | $352,000 | 13 |
| Net income | $96,000 | 6,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 4,860 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-256,000 | 7,130 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $938,000 | 7,570 |
| Total interest expense | $446,000 | 7,182 |
| Net interest income | $492,000 | 7,723 |
| Provision for loan and lease losses | $-29,000 | 8,356 |
| Total noninterest income | $26,000 | 7,934 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $53,000 | 5,861 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-27,000 | 8,351 |
| Total noninterest expense | $697,000 | 7,072 |
| Salaries and employee benefits | $410,000 | 6,926 |
| Premises and equipment expense | $91,000 | 6,912 |
| Additional noninterest expense | $196,000 | 7,096 |
| Pre-tax net operating income | $-150,000 | 7,260 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-150,000 | 7,330 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-150,000 | 7,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,007 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-150,000 | 7,304 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $390,000 | 7,868 |
| Total interest expense | $224,000 | 7,308 |
| Net interest income | $166,000 | 8,125 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $48,000 | 6,727 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $26,000 | 5,880 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $22,000 | 6,334 |
| Total noninterest expense | $221,000 | 7,817 |
| Salaries and employee benefits | $93,000 | 8,085 |
| Premises and equipment expense | $35,000 | 7,353 |
| Additional noninterest expense | $93,000 | 7,181 |
| Pre-tax net operating income | $-7,000 | 7,220 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-7,000 | 7,321 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-7,000 | 7,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,623 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-7,000 | 7,239 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,220,000 | 7,395 |
| Total interest expense | $998,000 | 7,175 |
| Net interest income | $1,222,000 | 7,466 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $290,000 | 6,077 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $108,000 | 5,924 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $182,000 | 5,251 |
| Total noninterest expense | $1,448,000 | 6,992 |
| Salaries and employee benefits | $758,000 | 7,093 |
| Premises and equipment expense | $204,000 | 6,690 |
| Additional noninterest expense | $486,000 | 6,647 |
| Pre-tax net operating income | $64,000 | 7,254 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $14,000 | 5,548 |
| Income before extraordinary items | $50,000 | 7,321 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $50,000 | 7,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $66,000 | 5,526 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $50,000 | 7,289 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,423,000 | 7,673 |
| Total interest expense | $775,000 | 7,145 |
| Net interest income | $648,000 | 7,972 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $254,000 | 5,879 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $83,000 | 5,921 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $171,000 | 4,803 |
| Total noninterest expense | $728,000 | 7,677 |
| Salaries and employee benefits | $275,000 | 8,118 |
| Premises and equipment expense | $140,000 | 6,851 |
| Additional noninterest expense | $313,000 | 6,950 |
| Pre-tax net operating income | $174,000 | 7,063 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $174,000 | 6,939 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $174,000 | 6,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $174,000 | 6,924 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $983,000 | 7,668 |
| Total interest expense | $543,000 | 7,093 |
| Net interest income | $440,000 | 8,002 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $137,000 | 6,282 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $59,000 | 5,840 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $78,000 | 5,568 |
| Total noninterest expense | $488,000 | 7,725 |
| Salaries and employee benefits | $185,000 | 8,173 |
| Premises and equipment expense | $89,000 | 6,968 |
| Additional noninterest expense | $214,000 | 6,940 |
| Pre-tax net operating income | $89,000 | 7,306 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $89,000 | 7,191 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $89,000 | 7,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $89,000 | 7,186 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $495,000 | 7,699 |
| Total interest expense | $275,000 | 7,082 |
| Net interest income | $220,000 | 8,060 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $95,000 | 5,648 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $31,000 | 5,740 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $64,000 | 4,621 |
| Total noninterest expense | $247,000 | 7,741 |
| Salaries and employee benefits | $92,000 | 8,206 |
| Premises and equipment expense | $45,000 | 6,985 |
| Additional noninterest expense | $110,000 | 6,904 |
| Pre-tax net operating income | $68,000 | 7,068 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $68,000 | 6,897 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $68,000 | 6,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $68,000 | 6,880 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,001,000 | 7,541 |
| Total interest expense | $799,000 | 7,325 |
| Net interest income | $1,202,000 | 7,587 |
| Provision for loan and lease losses | $133,000 | 4,231 |
| Total noninterest income | $220,000 | 6,752 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $132,000 | 5,746 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $88,000 | 6,534 |
| Total noninterest expense | $970,000 | 7,764 |
| Salaries and employee benefits | $358,000 | 8,250 |
| Premises and equipment expense | $158,000 | 7,158 |
| Additional noninterest expense | $454,000 | 6,768 |
| Pre-tax net operating income | $319,000 | 7,061 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $114,000 | 4,861 |
| Income before extraordinary items | $205,000 | 7,254 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $205,000 | 7,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,131 |
| Cash dividends | $121,000 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $205,000 | 7,249 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,500,000 | 7,588 |
| Total interest expense | $560,000 | 7,432 |
| Net interest income | $940,000 | 7,578 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $185,000 | 6,607 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $102,000 | 5,761 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $83,000 | 6,169 |
| Total noninterest expense | $662,000 | 7,898 |
| Salaries and employee benefits | $250,000 | 8,316 |
| Premises and equipment expense | $116,000 | 7,224 |
| Additional noninterest expense | $296,000 | 7,113 |
| Pre-tax net operating income | $463,000 | 6,374 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $149,000 | 4,483 |
| Income before extraordinary items | $314,000 | 6,658 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $314,000 | 6,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,856 |
| Cash dividends | $55,000 | 4,993 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $314,000 | 6,660 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $998,000 | 7,609 |
| Total interest expense | $365,000 | 7,420 |
| Net interest income | $633,000 | 7,603 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $144,000 | 6,304 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $67,000 | 5,790 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $77,000 | 5,619 |
| Total noninterest expense | $436,000 | 7,941 |
| Salaries and employee benefits | $168,000 | 8,362 |
| Premises and equipment expense | $74,000 | 7,324 |
| Additional noninterest expense | $194,000 | 7,157 |
| Pre-tax net operating income | $341,000 | 6,207 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $117,000 | 4,338 |
| Income before extraordinary items | $224,000 | 6,557 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $224,000 | 6,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,339 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $224,000 | 6,553 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $500,000 | 7,608 |
| Total interest expense | $179,000 | 7,417 |
| Net interest income | $321,000 | 7,601 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $41,000 | 7,270 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $35,000 | 5,651 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 7,952 |
| Total noninterest expense | $215,000 | 7,990 |
| Salaries and employee benefits | $84,000 | 8,386 |
| Premises and equipment expense | $37,000 | 7,336 |
| Additional noninterest expense | $94,000 | 7,209 |
| Pre-tax net operating income | $147,000 | 6,456 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $47,000 | 4,563 |
| Income before extraordinary items | $100,000 | 6,737 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $100,000 | 6,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $100,000 | 6,736 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,940,000 | 7,505 |
| Total interest expense | $600,000 | 7,332 |
| Net interest income | $1,340,000 | 7,510 |
| Provision for loan and lease losses | $95,000 | 4,915 |
| Total noninterest income | $187,000 | 7,169 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $146,000 | 5,664 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $41,000 | 7,593 |
| Total noninterest expense | $880,000 | 7,946 |
| Salaries and employee benefits | $356,000 | 8,346 |
| Premises and equipment expense | $147,000 | 7,307 |
| Additional noninterest expense | $377,000 | 7,209 |
| Pre-tax net operating income | $552,000 | 6,576 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $175,000 | 4,828 |
| Income before extraordinary items | $377,000 | 6,868 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $377,000 | 6,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,474 |
| Cash dividends | $121,000 | 5,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $377,000 | 6,841 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,436,000 | 7,552 |
| Total interest expense | $424,000 | 7,377 |
| Net interest income | $1,012,000 | 7,540 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $141,000 | 7,183 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $106,000 | 5,754 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $35,000 | 7,480 |
| Total noninterest expense | $644,000 | 7,970 |
| Salaries and employee benefits | $256,000 | 8,367 |
| Premises and equipment expense | $110,000 | 7,324 |
| Additional noninterest expense | $278,000 | 7,255 |
| Pre-tax net operating income | $509,000 | 6,367 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $175,000 | 4,614 |
| Income before extraordinary items | $334,000 | 6,743 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $334,000 | 6,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,033 |
| Cash dividends | $54,000 | 4,995 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $334,000 | 6,697 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $938,000 | 7,576 |
| Total interest expense | $260,000 | 7,443 |
| Net interest income | $678,000 | 7,546 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $97,000 | 7,114 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $70,000 | 5,724 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $27,000 | 7,318 |
| Total noninterest expense | $427,000 | 7,984 |
| Salaries and employee benefits | $166,000 | 8,406 |
| Premises and equipment expense | $73,000 | 7,338 |
| Additional noninterest expense | $188,000 | 7,215 |
| Pre-tax net operating income | $348,000 | 6,304 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $116,000 | 4,625 |
| Income before extraordinary items | $232,000 | 6,653 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $232,000 | 6,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,682 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $232,000 | 6,606 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $466,000 | 7,630 |
| Total interest expense | $80,000 | 8,117 |
| Net interest income | $386,000 | 7,337 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $51,000 | 7,038 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $35,000 | 5,695 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $16,000 | 7,179 |
| Total noninterest expense | $263,000 | 7,709 |
| Salaries and employee benefits | $82,000 | 8,491 |
| Premises and equipment expense | $35,000 | 7,470 |
| Additional noninterest expense | $146,000 | 6,094 |
| Pre-tax net operating income | $174,000 | 6,269 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $55,000 | 4,637 |
| Income before extraordinary items | $119,000 | 6,588 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $119,000 | 6,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,481 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $119,000 | 6,549 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,733,000 | 7,656 |
| Total interest expense | $328,000 | 7,960 |
| Net interest income | $1,405,000 | 7,449 |
| Provision for loan and lease losses | $48,000 | 5,981 |
| Total noninterest income | $640,000 | 4,645 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $147,000 | 5,822 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $493,000 | 3,334 |
| Total noninterest expense | $999,000 | 7,822 |
| Salaries and employee benefits | $368,000 | 8,403 |
| Premises and equipment expense | $156,000 | 7,255 |
| Additional noninterest expense | $475,000 | 6,698 |
| Pre-tax net operating income | $998,000 | 5,248 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $265,000 | 4,376 |
| Income before extraordinary items | $733,000 | 5,459 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $733,000 | 5,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,043 |
| Cash dividends | $123,000 | 5,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $733,000 | 5,384 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,263,000 | 7,737 |
| Total interest expense | $249,000 | 7,980 |
| Net interest income | $1,014,000 | 7,546 |
| Provision for loan and lease losses | $48,000 | 5,435 |
| Total noninterest income | $592,000 | 4,118 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $117,000 | 5,757 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $475,000 | 2,891 |
| Total noninterest expense | $708,000 | 7,897 |
| Salaries and employee benefits | $271,000 | 8,423 |
| Premises and equipment expense | $115,000 | 7,261 |
| Additional noninterest expense | $322,000 | 6,923 |
| Pre-tax net operating income | $850,000 | 5,026 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $222,000 | 4,286 |
| Income before extraordinary items | $628,000 | 5,245 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $628,000 | 5,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,696 |
| Cash dividends | $57,000 | 4,946 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $628,000 | 5,155 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $811,000 | 7,844 |
| Total interest expense | $175,000 | 7,981 |
| Net interest income | $636,000 | 7,700 |
| Provision for loan and lease losses | $14,000 | 6,192 |
| Total noninterest income | $121,000 | 6,880 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $80,000 | 5,723 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $41,000 | 6,763 |
| Total noninterest expense | $458,000 | 7,991 |
| Salaries and employee benefits | $184,000 | 8,454 |
| Premises and equipment expense | $73,000 | 7,393 |
| Additional noninterest expense | $201,000 | 7,113 |
| Pre-tax net operating income | $285,000 | 6,600 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $72,000 | 5,247 |
| Income before extraordinary items | $213,000 | 6,773 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $213,000 | 6,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,897 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $213,000 | 6,686 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $392,000 | 7,935 |
| Total interest expense | $88,000 | 8,036 |
| Net interest income | $304,000 | 7,824 |
| Provision for loan and lease losses | $10,000 | 5,595 |
| Total noninterest income | $61,000 | 6,830 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $38,000 | 5,782 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $23,000 | 6,579 |
| Total noninterest expense | $227,000 | 8,048 |
| Salaries and employee benefits | $89,000 | 8,531 |
| Premises and equipment expense | $36,000 | 7,453 |
| Additional noninterest expense | $102,000 | 7,103 |
| Pre-tax net operating income | $128,000 | 6,754 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $32,000 | 5,327 |
| Income before extraordinary items | $96,000 | 6,961 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $96,000 | 6,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,405 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $96,000 | 6,855 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,487,000 | 8,088 |
| Total interest expense | $435,000 | 7,997 |
| Net interest income | $1,052,000 | 8,034 |
| Provision for loan and lease losses | $22,000 | 7,018 |
| Total noninterest income | $238,000 | 7,034 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $181,000 | 5,471 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $57,000 | 7,379 |
| Total noninterest expense | $855,000 | 8,161 |
| Salaries and employee benefits | $341,000 | 8,617 |
| Premises and equipment expense | $172,000 | 7,116 |
| Additional noninterest expense | $342,000 | 7,501 |
| Pre-tax net operating income | $413,000 | 6,986 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $111,000 | 5,607 |
| Income before extraordinary items | $302,000 | 7,272 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $302,000 | 7,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,046 |
| Cash dividends | $121,000 | 5,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $302,000 | 7,125 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,110,000 | 8,186 |
| Total interest expense | $341,000 | 8,063 |
| Net interest income | $769,000 | 8,134 |
| Provision for loan and lease losses | $17,000 | 6,906 |
| Total noninterest income | $183,000 | 7,049 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $136,000 | 5,503 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $47,000 | 7,300 |
| Total noninterest expense | $634,000 | 8,198 |
| Salaries and employee benefits | $247,000 | 8,664 |
| Premises and equipment expense | $131,000 | 7,100 |
| Additional noninterest expense | $256,000 | 7,504 |
| Pre-tax net operating income | $301,000 | 7,172 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $81,000 | 5,792 |
| Income before extraordinary items | $220,000 | 7,456 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $220,000 | 7,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,184 |
| Cash dividends | $57,000 | 5,053 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $220,000 | 7,300 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $742,000 | 8,232 |
| Total interest expense | $238,000 | 8,090 |
| Net interest income | $504,000 | 8,202 |
| Provision for loan and lease losses | $14,000 | 6,643 |
| Total noninterest income | $126,000 | 6,976 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $90,000 | 5,497 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $36,000 | 7,110 |
| Total noninterest expense | $427,000 | 8,201 |
| Salaries and employee benefits | $168,000 | 8,674 |
| Premises and equipment expense | $88,000 | 7,078 |
| Additional noninterest expense | $171,000 | 7,501 |
| Pre-tax net operating income | $189,000 | 7,295 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $50,000 | 5,908 |
| Income before extraordinary items | $139,000 | 7,566 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $139,000 | 7,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,662 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $139,000 | 7,379 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $369,000 | 8,295 |
| Total interest expense | $125,000 | 8,111 |
| Net interest income | $244,000 | 8,279 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $56,000 | 7,155 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $45,000 | 5,441 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $11,000 | 7,783 |
| Total noninterest expense | $214,000 | 8,221 |
| Salaries and employee benefits | $84,000 | 8,713 |
| Premises and equipment expense | $43,000 | 7,175 |
| Additional noninterest expense | $87,000 | 7,495 |
| Pre-tax net operating income | $86,000 | 7,426 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $22,000 | 5,997 |
| Income before extraordinary items | $64,000 | 7,605 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $64,000 | 7,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $64,000 | 7,450 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,555,000 | 8,313 |
| Total interest expense | $598,000 | 8,101 |
| Net interest income | $957,000 | 8,327 |
| Provision for loan and lease losses | $6,000 | 7,926 |
| Total noninterest income | $243,000 | 6,922 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $178,000 | 5,493 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $65,000 | 7,210 |
| Total noninterest expense | $808,000 | 8,331 |
| Salaries and employee benefits | $315,000 | 8,842 |
| Premises and equipment expense | $166,000 | 7,226 |
| Additional noninterest expense | $327,000 | 7,608 |
| Pre-tax net operating income | $386,000 | 7,220 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $111,000 | 5,860 |
| Income before extraordinary items | $275,000 | 7,453 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $275,000 | 7,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,185 |
| Cash dividends | $121,000 | 5,400 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $275,000 | 7,348 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,780,000 | 8,444 |
| Total interest expense | $855,000 | 8,325 |
| Net interest income | $925,000 | 8,429 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $179,000 | 7,533 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $156,000 | 5,728 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $23,000 | 8,600 |
| Total noninterest expense | $836,000 | 8,373 |
| Salaries and employee benefits | $297,000 | 9,077 |
| Premises and equipment expense | $145,000 | 7,606 |
| Additional noninterest expense | $394,000 | 7,194 |
| Pre-tax net operating income | $268,000 | 7,555 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $65,000 | 6,463 |
| Income before extraordinary items | $203,000 | 7,711 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $203,000 | 7,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,947 |
| Cash dividends | $121,000 | 5,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $203,000 | 7,586 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,588,000 | 8,860 |
| Total interest expense | $702,000 | 8,865 |
| Net interest income | $886,000 | 8,716 |
| Provision for loan and lease losses | $2,000 | 8,255 |
| Total noninterest income | $191,000 | 7,369 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $179,000 | 5,372 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 9,315 |
| Total noninterest expense | $819,000 | 8,518 |
| Salaries and employee benefits | $300,000 | 9,257 |
| Premises and equipment expense | $130,000 | 7,919 |
| Additional noninterest expense | $389,000 | 7,232 |
| Pre-tax net operating income | $256,000 | 8,094 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $60,000 | 7,071 |
| Income before extraordinary items | $196,000 | 8,084 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $196,000 | 8,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $121,000 | 5,759 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $196,000 | 8,087 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,506,000 | 9,063 |
| Total interest expense | $707,000 | 8,934 |
| Net interest income | $799,000 | 9,072 |
| Provision for loan and lease losses | $4,000 | 8,376 |
| Total noninterest income | $179,000 | 7,729 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $169,000 | 5,546 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,728 |
| Total noninterest expense | $788,000 | 8,763 |
| Salaries and employee benefits | $281,000 | 9,572 |
| Premises and equipment expense | $128,000 | 8,069 |
| Additional noninterest expense | $379,000 | 7,450 |
| Pre-tax net operating income | $186,000 | 8,650 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $23,000 | 8,160 |
| Income before extraordinary items | $163,000 | 8,566 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $163,000 | 8,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $99,000 | 6,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $163,000 | 8,524 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,371,000 | 9,452 |
| Total interest expense | $656,000 | 9,320 |
| Net interest income | $715,000 | 9,461 |
| Provision for loan and lease losses | $2,000 | 8,582 |
| Total noninterest income | $153,000 | 8,184 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $141,000 | 6,081 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 9,880 |
| Total noninterest expense | $698,000 | 9,110 |
| Salaries and employee benefits | $255,000 | 9,855 |
| Premises and equipment expense | $101,000 | 8,682 |
| Additional noninterest expense | $342,000 | 7,729 |
| Pre-tax net operating income | $168,000 | 9,077 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $24,000 | 8,804 |
| Income before extraordinary items | $144,000 | 9,020 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $144,000 | 9,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,100 |
| Cash dividends | $101,000 | 6,227 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $144,000 | 8,958 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,314,000 | 9,912 |
| Total interest expense | $621,000 | 9,765 |
| Net interest income | $693,000 | 9,962 |
| Provision for loan and lease losses | $24,000 | 7,686 |
| Total noninterest income | $129,000 | 8,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 6,913 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 10,083 |
| Total noninterest expense | $603,000 | 9,734 |
| Salaries and employee benefits | $240,000 | 10,330 |
| Premises and equipment expense | $70,000 | 9,702 |
| Additional noninterest expense | $293,000 | 8,390 |
| Pre-tax net operating income | $195,000 | 9,598 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $46,000 | 9,317 |
| Income before extraordinary items | $149,000 | 9,600 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $149,000 | 9,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,314 |
| Cash dividends | $107,000 | 6,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $149,000 | 9,557 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,322,000 | 10,355 |
| Total interest expense | $631,000 | 10,177 |
| Net interest income | $691,000 | 10,416 |
| Provision for loan and lease losses | $4,000 | 8,888 |
| Total noninterest income | $134,000 | 9,288 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $122,000 | 7,023 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 10,870 |
| Total noninterest expense | $582,000 | 10,241 |
| Salaries and employee benefits | $230,000 | 10,834 |
| Premises and equipment expense | $71,000 | 10,045 |
| Additional noninterest expense | $281,000 | 9,071 |
| Pre-tax net operating income | $239,000 | 9,553 |
| Securities gains (losses) | $6,000 | 2,865 |
| Applicable income taxes | $80,000 | 9,145 |
| Income before extraordinary items | $165,000 | 9,650 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $165,000 | 9,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,243 |
| Cash dividends | $107,000 | 6,566 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $160,980 | 9,627 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,344,000 | 10,768 |
| Total interest expense | $642,000 | 10,519 |
| Net interest income | $702,000 | 10,837 |
| Provision for loan and lease losses | $5,000 | 8,671 |
| Total noninterest income | $123,000 | 9,801 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $107,000 | 7,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 11,150 |
| Total noninterest expense | $540,000 | 10,838 |
| Salaries and employee benefits | $225,000 | 11,338 |
| Premises and equipment expense | $56,000 | 10,906 |
| Additional noninterest expense | $259,000 | 9,735 |
| Pre-tax net operating income | $280,000 | 9,902 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $93,000 | 9,312 |
| Income before extraordinary items | $187,000 | 10,080 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $187,000 | 10,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,925 |
| Cash dividends | $126,000 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $187,000 | 10,047 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,131,000 | 11,471 |
| Total interest expense | $427,000 | 11,458 |
| Net interest income | $704,000 | 11,363 |
| Provision for loan and lease losses | $16,000 | 8,030 |
| Total noninterest income | $132,000 | 10,075 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $112,000 | 7,785 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 11,420 |
| Total noninterest expense | $510,000 | 11,563 |
| Salaries and employee benefits | $202,000 | 12,056 |
| Premises and equipment expense | $53,000 | 11,525 |
| Additional noninterest expense | $255,000 | 10,466 |
| Pre-tax net operating income | $310,000 | 10,059 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $105,000 | 9,245 |
| Income before extraordinary items | $205,000 | 10,214 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $205,000 | 10,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,066 |
| Cash dividends | $55,000 | 7,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $205,000 | 10,263 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,065,000 | 12,146 |
| Total interest expense | $444,000 | 11,977 |
| Net interest income | $621,000 | 12,151 |
| Provision for loan and lease losses | $3,000 | 10,228 |
| Total noninterest income | $122,000 | 10,799 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 8,760 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 11,040 |
| Total noninterest expense | $506,000 | 12,139 |
| Salaries and employee benefits | $219,000 | 12,467 |
| Premises and equipment expense | $60,000 | 11,855 |
| Additional noninterest expense | $227,000 | 11,372 |
| Pre-tax net operating income | $234,000 | 10,753 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $74,000 | 10,356 |
| Income before extraordinary items | $160,000 | 11,078 |
| Extraordinary gains, net | $74,000 | 1,859 |
| Net income | $234,000 | 10,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 8,678 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $160,000 | 10,878 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,074,000 | 12,892 |
| Total interest expense | $514,000 | 12,703 |
| Net interest income | $560,000 | 12,880 |
| Provision for loan and lease losses | $-7,000 | 13,457 |
| Total noninterest income | $136,000 | 10,779 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 9,162 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 10,037 |
| Total noninterest expense | $494,000 | 12,670 |
| Salaries and employee benefits | $206,000 | 13,088 |
| Premises and equipment expense | $61,000 | 12,225 |
| Additional noninterest expense | $227,000 | 11,859 |
| Pre-tax net operating income | $209,000 | 10,992 |
| Securities gains (losses) | $73,000 | 3,512 |
| Applicable income taxes | $93,000 | 10,093 |
| Income before extraordinary items | $189,000 | 10,749 |
| Extraordinary gains, net | $93,000 | 774 |
| Net income | $282,000 | 9,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 12,871 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $140,090 | 11,076 |
* 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.