Home > Community Bank > Income and Expense
Community Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $406,000 | 8,266 |
| Total interest expense | $169,000 | 8,167 |
| Net interest income | $237,000 | 8,281 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $32,000 | 7,916 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $17,000 | 7,062 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $15,000 | 7,595 |
| Total noninterest expense | $190,000 | 8,334 |
| Salaries and employee benefits | $83,000 | 8,339 |
| Premises and equipment expense | $17,000 | 8,288 |
| Additional noninterest expense | $90,000 | 8,225 |
| Pre-tax net operating income | $79,000 | 6,482 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $24,000 | 4,520 |
| Income before extraordinary items | $55,000 | 6,386 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $55,000 | 6,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,890 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $55,000 | 6,548 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,707,000 | 5,372 |
| Total interest expense | $1,225,000 | 5,057 |
| Net interest income | $1,482,000 | 5,508 |
| Provision for loan and lease losses | $25,000 | 5,815 |
| Total noninterest income | $194,000 | 5,488 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $97,000 | 4,891 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $97,000 | 5,110 |
| Total noninterest expense | $1,032,000 | 6,196 |
| Salaries and employee benefits | $549,000 | 6,279 |
| Premises and equipment expense | $152,000 | 5,802 |
| Additional noninterest expense | $331,000 | 5,917 |
| Pre-tax net operating income | $619,000 | 3,945 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $193,000 | 2,724 |
| Income before extraordinary items | $426,000 | 4,347 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $426,000 | 4,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 3,727 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $426,000 | 4,282 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,358,000 | 5,461 |
| Total interest expense | $643,000 | 5,103 |
| Net interest income | $715,000 | 5,624 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $100,000 | 5,420 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $45,000 | 5,006 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $55,000 | 4,866 |
| Total noninterest expense | $475,000 | 6,431 |
| Salaries and employee benefits | $271,000 | 6,335 |
| Premises and equipment expense | $80,000 | 5,724 |
| Additional noninterest expense | $124,000 | 6,644 |
| Pre-tax net operating income | $340,000 | 3,875 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $96,000 | 2,847 |
| Income before extraordinary items | $244,000 | 4,237 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $244,000 | 4,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 2,367 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $244,000 | 4,139 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,571,000 | 5,434 |
| Total interest expense | $2,867,000 | 4,917 |
| Net interest income | $2,704,000 | 5,763 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $441,000 | 5,289 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $263,000 | 4,357 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $178,000 | 5,284 |
| Total noninterest expense | $1,938,000 | 6,292 |
| Salaries and employee benefits | $1,131,000 | 6,151 |
| Premises and equipment expense | $338,000 | 5,500 |
| Additional noninterest expense | $469,000 | 6,736 |
| Pre-tax net operating income | $1,207,000 | 4,352 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $379,000 | 3,096 |
| Income before extraordinary items | $828,000 | 4,714 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $828,000 | 4,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,388 |
| Cash dividends | $1,492,000 | 2,022 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $828,000 | 4,697 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,166,000 | 5,461 |
| Total interest expense | $2,159,000 | 4,923 |
| Net interest income | $2,007,000 | 5,835 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $344,000 | 5,250 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $204,000 | 4,298 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $140,000 | 5,221 |
| Total noninterest expense | $1,428,000 | 6,330 |
| Salaries and employee benefits | $797,000 | 6,297 |
| Premises and equipment expense | $276,000 | 5,258 |
| Additional noninterest expense | $355,000 | 6,693 |
| Pre-tax net operating income | $923,000 | 4,538 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $287,000 | 3,260 |
| Income before extraordinary items | $636,000 | 4,895 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $636,000 | 4,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,329 |
| Cash dividends | $1,492,000 | 1,532 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $636,000 | 4,883 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,753,000 | 5,512 |
| Total interest expense | $1,434,000 | 4,929 |
| Net interest income | $1,319,000 | 5,903 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $217,000 | 5,414 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $138,000 | 4,271 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $79,000 | 5,543 |
| Total noninterest expense | $952,000 | 6,380 |
| Salaries and employee benefits | $533,000 | 6,343 |
| Premises and equipment expense | $175,000 | 5,426 |
| Additional noninterest expense | $244,000 | 6,648 |
| Pre-tax net operating income | $584,000 | 4,725 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $175,000 | 3,438 |
| Income before extraordinary items | $409,000 | 5,017 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $409,000 | 5,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,525 |
| Cash dividends | $1,492,000 | 1,137 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $409,000 | 5,011 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,372,000 | 5,524 |
| Total interest expense | $715,000 | 4,913 |
| Net interest income | $657,000 | 5,923 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $111,000 | 5,313 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $68,000 | 4,246 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $43,000 | 5,388 |
| Total noninterest expense | $472,000 | 6,422 |
| Salaries and employee benefits | $266,000 | 6,391 |
| Premises and equipment expense | $82,000 | 5,625 |
| Additional noninterest expense | $124,000 | 6,617 |
| Pre-tax net operating income | $296,000 | 4,682 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $94,000 | 3,352 |
| Income before extraordinary items | $202,000 | 5,036 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $202,000 | 5,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $202,000 | 5,028 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,066,000 | 5,518 |
| Total interest expense | $2,521,000 | 4,801 |
| Net interest income | $2,545,000 | 5,976 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $196,000 | 6,950 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $274,000 | 4,299 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $-78,000 | 8,664 |
| Total noninterest expense | $1,865,000 | 6,344 |
| Salaries and employee benefits | $1,065,000 | 6,255 |
| Premises and equipment expense | $323,000 | 5,549 |
| Additional noninterest expense | $477,000 | 6,642 |
| Pre-tax net operating income | $876,000 | 5,466 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $209,000 | 4,250 |
| Income before extraordinary items | $667,000 | 5,604 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $667,000 | 5,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 4,186 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $667,000 | 5,587 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,731,000 | 5,572 |
| Total interest expense | $1,818,000 | 4,828 |
| Net interest income | $1,913,000 | 6,028 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $90,000 | 7,641 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $217,000 | 4,242 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-127,000 | 8,735 |
| Total noninterest expense | $1,397,000 | 6,350 |
| Salaries and employee benefits | $783,000 | 6,282 |
| Premises and equipment expense | $249,000 | 5,492 |
| Additional noninterest expense | $365,000 | 6,592 |
| Pre-tax net operating income | $606,000 | 5,837 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $143,000 | 4,516 |
| Income before extraordinary items | $463,000 | 5,932 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $463,000 | 5,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,547 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $463,000 | 5,932 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,446,000 | 5,595 |
| Total interest expense | $1,155,000 | 4,838 |
| Net interest income | $1,291,000 | 6,021 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $-5,000 | 8,760 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $144,000 | 4,219 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-149,000 | 8,776 |
| Total noninterest expense | $941,000 | 6,343 |
| Salaries and employee benefits | $524,000 | 6,308 |
| Premises and equipment expense | $165,000 | 5,518 |
| Additional noninterest expense | $252,000 | 6,549 |
| Pre-tax net operating income | $345,000 | 6,184 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $141,000 | 4,103 |
| Income before extraordinary items | $204,000 | 6,730 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $204,000 | 6,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $204,000 | 6,739 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,197,000 | 5,603 |
| Total interest expense | $542,000 | 4,888 |
| Net interest income | $655,000 | 6,002 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $88,000 | 5,867 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $69,000 | 4,247 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $19,000 | 6,791 |
| Total noninterest expense | $492,000 | 6,227 |
| Salaries and employee benefits | $256,000 | 6,393 |
| Premises and equipment expense | $93,000 | 5,175 |
| Additional noninterest expense | $143,000 | 6,200 |
| Pre-tax net operating income | $251,000 | 5,368 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $76,000 | 3,933 |
| Income before extraordinary items | $175,000 | 5,617 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $175,000 | 5,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,131 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $175,000 | 5,612 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,570,000 | 5,438 |
| Total interest expense | $1,826,000 | 4,701 |
| Net interest income | $2,744,000 | 5,786 |
| Provision for loan and lease losses | $110,000 | 4,684 |
| Total noninterest income | $514,000 | 5,185 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $312,000 | 4,085 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $202,000 | 5,138 |
| Total noninterest expense | $1,880,000 | 6,303 |
| Salaries and employee benefits | $1,048,000 | 6,218 |
| Premises and equipment expense | $321,000 | 5,538 |
| Additional noninterest expense | $511,000 | 6,510 |
| Pre-tax net operating income | $1,268,000 | 4,787 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $445,000 | 3,544 |
| Income before extraordinary items | $823,000 | 5,285 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $823,000 | 5,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,615 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $823,000 | 5,260 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,366,000 | 5,467 |
| Total interest expense | $1,295,000 | 4,725 |
| Net interest income | $2,071,000 | 5,786 |
| Provision for loan and lease losses | $80,000 | 4,606 |
| Total noninterest income | $381,000 | 5,222 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $236,000 | 4,086 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $145,000 | 5,246 |
| Total noninterest expense | $1,374,000 | 6,343 |
| Salaries and employee benefits | $751,000 | 6,346 |
| Premises and equipment expense | $239,000 | 5,570 |
| Additional noninterest expense | $384,000 | 6,475 |
| Pre-tax net operating income | $998,000 | 4,776 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $354,000 | 3,517 |
| Income before extraordinary items | $644,000 | 5,282 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $644,000 | 5,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,033 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $644,000 | 5,251 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,196,000 | 5,462 |
| Total interest expense | $801,000 | 4,781 |
| Net interest income | $1,395,000 | 5,732 |
| Provision for loan and lease losses | $50,000 | 4,523 |
| Total noninterest income | $271,000 | 5,030 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $163,000 | 3,959 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $108,000 | 5,022 |
| Total noninterest expense | $924,000 | 6,318 |
| Salaries and employee benefits | $501,000 | 6,339 |
| Premises and equipment expense | $161,000 | 5,506 |
| Additional noninterest expense | $262,000 | 6,382 |
| Pre-tax net operating income | $692,000 | 4,655 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $242,000 | 3,467 |
| Income before extraordinary items | $450,000 | 5,154 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $450,000 | 5,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,599 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $450,000 | 5,105 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,078,000 | 5,508 |
| Total interest expense | $373,000 | 4,869 |
| Net interest income | $705,000 | 5,714 |
| Provision for loan and lease losses | $20,000 | 4,626 |
| Total noninterest income | $139,000 | 4,902 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $80,000 | 3,924 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $59,000 | 4,816 |
| Total noninterest expense | $470,000 | 6,315 |
| Salaries and employee benefits | $245,000 | 6,442 |
| Premises and equipment expense | $88,000 | 5,294 |
| Additional noninterest expense | $137,000 | 6,307 |
| Pre-tax net operating income | $354,000 | 4,569 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $128,000 | 3,377 |
| Income before extraordinary items | $226,000 | 5,122 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $226,000 | 5,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,435 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $226,000 | 5,095 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,281,000 | 5,346 |
| Total interest expense | $1,287,000 | 4,919 |
| Net interest income | $2,994,000 | 5,422 |
| Provision for loan and lease losses | $215,000 | 3,572 |
| Total noninterest income | $333,000 | 6,191 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $312,000 | 4,234 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $21,000 | 8,187 |
| Total noninterest expense | $1,914,000 | 6,144 |
| Salaries and employee benefits | $1,067,000 | 6,074 |
| Premises and equipment expense | $320,000 | 5,489 |
| Additional noninterest expense | $527,000 | 6,388 |
| Pre-tax net operating income | $1,198,000 | 4,804 |
| Securities gains (losses) | $36,000 | 1,984 |
| Applicable income taxes | $332,000 | 4,020 |
| Income before extraordinary items | $902,000 | 4,960 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $902,000 | 4,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $339,000 | 1,812 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $875,720 | 4,976 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,201,000 | 5,329 |
| Total interest expense | $942,000 | 4,956 |
| Net interest income | $2,259,000 | 5,394 |
| Provision for loan and lease losses | $215,000 | 2,865 |
| Total noninterest income | $274,000 | 6,021 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $240,000 | 4,194 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $34,000 | 7,563 |
| Total noninterest expense | $1,404,000 | 6,190 |
| Salaries and employee benefits | $758,000 | 6,210 |
| Premises and equipment expense | $242,000 | 5,452 |
| Additional noninterest expense | $404,000 | 6,280 |
| Pre-tax net operating income | $914,000 | 4,838 |
| Securities gains (losses) | $36,000 | 1,910 |
| Applicable income taxes | $284,000 | 3,886 |
| Income before extraordinary items | $666,000 | 5,084 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $666,000 | 5,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 1,784 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $640,800 | 5,106 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,132,000 | 5,346 |
| Total interest expense | $619,000 | 5,014 |
| Net interest income | $1,513,000 | 5,374 |
| Provision for loan and lease losses | $140,000 | 2,884 |
| Total noninterest income | $161,000 | 6,311 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $135,000 | 4,590 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $26,000 | 7,425 |
| Total noninterest expense | $955,000 | 6,161 |
| Salaries and employee benefits | $506,000 | 6,250 |
| Premises and equipment expense | $167,000 | 5,367 |
| Additional noninterest expense | $282,000 | 6,165 |
| Pre-tax net operating income | $579,000 | 4,913 |
| Securities gains (losses) | $36,000 | 1,674 |
| Applicable income taxes | $148,000 | 4,273 |
| Income before extraordinary items | $467,000 | 4,912 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $467,000 | 4,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 1,268 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $439,640 | 4,982 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,072,000 | 5,359 |
| Total interest expense | $312,000 | 5,048 |
| Net interest income | $760,000 | 5,378 |
| Provision for loan and lease losses | $65,000 | 2,836 |
| Total noninterest income | $123,000 | 5,263 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $77,000 | 4,207 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $46,000 | 5,276 |
| Total noninterest expense | $496,000 | 6,069 |
| Salaries and employee benefits | $249,000 | 6,354 |
| Premises and equipment expense | $79,000 | 5,553 |
| Additional noninterest expense | $168,000 | 5,640 |
| Pre-tax net operating income | $322,000 | 4,655 |
| Securities gains (losses) | $36,000 | 1,385 |
| Applicable income taxes | $81,000 | 4,121 |
| Income before extraordinary items | $277,000 | 4,487 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $277,000 | 4,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 1,118 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $249,280 | 4,644 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,283,000 | 5,401 |
| Total interest expense | $1,362,000 | 5,179 |
| Net interest income | $2,921,000 | 5,394 |
| Provision for loan and lease losses | $453,000 | 2,340 |
| Total noninterest income | $524,000 | 5,315 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $309,000 | 4,228 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $215,000 | 5,141 |
| Total noninterest expense | $1,869,000 | 6,214 |
| Salaries and employee benefits | $1,001,000 | 6,260 |
| Premises and equipment expense | $312,000 | 5,559 |
| Additional noninterest expense | $556,000 | 6,220 |
| Pre-tax net operating income | $1,123,000 | 4,858 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $344,000 | 4,067 |
| Income before extraordinary items | $779,000 | 5,305 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $779,000 | 5,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $480,000 | 1,659 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $779,000 | 5,157 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,224,000 | 5,457 |
| Total interest expense | $1,032,000 | 5,283 |
| Net interest income | $2,192,000 | 5,407 |
| Provision for loan and lease losses | $433,000 | 1,915 |
| Total noninterest income | $380,000 | 5,441 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $192,000 | 4,720 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $188,000 | 4,918 |
| Total noninterest expense | $1,370,000 | 6,256 |
| Salaries and employee benefits | $718,000 | 6,398 |
| Premises and equipment expense | $233,000 | 5,546 |
| Additional noninterest expense | $419,000 | 6,197 |
| Pre-tax net operating income | $769,000 | 5,254 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $264,000 | 4,169 |
| Income before extraordinary items | $505,000 | 5,827 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $505,000 | 5,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $371,000 | 1,468 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $505,000 | 5,659 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,159,000 | 5,485 |
| Total interest expense | $699,000 | 5,353 |
| Net interest income | $1,460,000 | 5,410 |
| Provision for loan and lease losses | $433,000 | 1,301 |
| Total noninterest income | $236,000 | 5,618 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $141,000 | 4,438 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $95,000 | 5,412 |
| Total noninterest expense | $921,000 | 6,248 |
| Salaries and employee benefits | $478,000 | 6,420 |
| Premises and equipment expense | $157,000 | 5,505 |
| Additional noninterest expense | $286,000 | 6,123 |
| Pre-tax net operating income | $342,000 | 6,224 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $120,000 | 4,860 |
| Income before extraordinary items | $222,000 | 6,763 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $222,000 | 6,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $364,000 | 1,080 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $222,000 | 6,563 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,119,000 | 5,376 |
| Total interest expense | $350,000 | 5,452 |
| Net interest income | $769,000 | 5,238 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $109,000 | 5,690 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $71,000 | 4,347 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $38,000 | 5,786 |
| Total noninterest expense | $458,000 | 6,288 |
| Salaries and employee benefits | $241,000 | 6,396 |
| Premises and equipment expense | $72,000 | 5,758 |
| Additional noninterest expense | $145,000 | 6,052 |
| Pre-tax net operating income | $360,000 | 4,318 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $135,000 | 3,410 |
| Income before extraordinary items | $225,000 | 5,006 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $225,000 | 5,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,880 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $225,000 | 4,799 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,653,000 | 5,414 |
| Total interest expense | $1,634,000 | 5,461 |
| Net interest income | $3,019,000 | 5,263 |
| Provision for loan and lease losses | $659,000 | 1,919 |
| Total noninterest income | $482,000 | 5,318 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $321,000 | 4,080 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $161,000 | 5,459 |
| Total noninterest expense | $1,661,000 | 6,541 |
| Salaries and employee benefits | $922,000 | 6,432 |
| Premises and equipment expense | $273,000 | 5,856 |
| Additional noninterest expense | $466,000 | 6,706 |
| Pre-tax net operating income | $1,181,000 | 4,759 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $546,000 | 3,284 |
| Income before extraordinary items | $635,000 | 5,822 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $635,000 | 5,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $282,000 | 2,457 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $635,000 | 5,693 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,892,000 | 5,695 |
| Total interest expense | $2,194,000 | 5,820 |
| Net interest income | $2,698,000 | 5,457 |
| Provision for loan and lease losses | $290,000 | 3,289 |
| Total noninterest income | $390,000 | 5,742 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $280,000 | 4,336 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $110,000 | 6,201 |
| Total noninterest expense | $1,555,000 | 6,671 |
| Salaries and employee benefits | $834,000 | 6,639 |
| Premises and equipment expense | $270,000 | 5,857 |
| Additional noninterest expense | $451,000 | 6,779 |
| Pre-tax net operating income | $1,243,000 | 4,345 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $486,000 | 3,368 |
| Income before extraordinary items | $757,000 | 5,026 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $757,000 | 5,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $216,000 | 2,738 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $757,000 | 4,915 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,561,000 | 6,050 |
| Total interest expense | $2,288,000 | 5,848 |
| Net interest income | $2,273,000 | 6,159 |
| Provision for loan and lease losses | $360,000 | 2,489 |
| Total noninterest income | $307,000 | 6,244 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $219,000 | 4,881 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 6,711 |
| Total noninterest expense | $1,333,000 | 7,161 |
| Salaries and employee benefits | $711,000 | 7,150 |
| Premises and equipment expense | $257,000 | 5,950 |
| Additional noninterest expense | $365,000 | 7,438 |
| Pre-tax net operating income | $887,000 | 5,590 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $321,000 | 4,445 |
| Income before extraordinary items | $566,000 | 6,014 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $566,000 | 6,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 1,787 |
| Cash dividends | $522,000 | 3,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $566,000 | 6,021 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,938,000 | 6,426 |
| Total interest expense | $1,793,000 | 6,370 |
| Net interest income | $2,145,000 | 6,382 |
| Provision for loan and lease losses | $150,000 | 4,234 |
| Total noninterest income | $207,000 | 7,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 5,840 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 7,811 |
| Total noninterest expense | $1,234,000 | 7,481 |
| Salaries and employee benefits | $644,000 | 7,519 |
| Premises and equipment expense | $244,000 | 6,130 |
| Additional noninterest expense | $346,000 | 7,734 |
| Pre-tax net operating income | $968,000 | 5,405 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $349,000 | 4,482 |
| Income before extraordinary items | $619,000 | 5,806 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $619,000 | 5,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,756 |
| Cash dividends | $34,000 | 6,786 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $619,000 | 5,778 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,490,000 | 6,968 |
| Total interest expense | $1,701,000 | 6,762 |
| Net interest income | $1,789,000 | 7,074 |
| Provision for loan and lease losses | $90,000 | 5,311 |
| Total noninterest income | $237,000 | 7,138 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $173,000 | 5,536 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 7,673 |
| Total noninterest expense | $1,140,000 | 7,711 |
| Salaries and employee benefits | $589,000 | 7,822 |
| Premises and equipment expense | $220,000 | 6,425 |
| Additional noninterest expense | $331,000 | 7,830 |
| Pre-tax net operating income | $796,000 | 6,112 |
| Securities gains (losses) | $9,000 | 3,034 |
| Applicable income taxes | $288,000 | 5,275 |
| Income before extraordinary items | $517,000 | 6,504 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $517,000 | 6,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,908 |
| Cash dividends | $17,000 | 7,297 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $511,240 | 6,426 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,198,000 | 7,510 |
| Total interest expense | $1,565,000 | 7,197 |
| Net interest income | $1,633,000 | 7,700 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $238,000 | 7,358 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $196,000 | 5,391 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,774 |
| Total noninterest expense | $1,138,000 | 7,881 |
| Salaries and employee benefits | $588,000 | 7,996 |
| Premises and equipment expense | $215,000 | 6,570 |
| Additional noninterest expense | $335,000 | 7,955 |
| Pre-tax net operating income | $663,000 | 7,146 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $241,000 | 6,346 |
| Income before extraordinary items | $422,000 | 7,500 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $422,000 | 7,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,964 |
| Cash dividends | $67,000 | 6,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $422,000 | 7,448 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,767,000 | 8,322 |
| Total interest expense | $1,286,000 | 8,141 |
| Net interest income | $1,481,000 | 8,315 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $206,000 | 8,145 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $176,000 | 5,995 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 9,839 |
| Total noninterest expense | $1,093,000 | 8,353 |
| Salaries and employee benefits | $557,000 | 8,425 |
| Premises and equipment expense | $216,000 | 6,756 |
| Additional noninterest expense | $320,000 | 8,670 |
| Pre-tax net operating income | $534,000 | 7,757 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $192,000 | 7,254 |
| Income before extraordinary items | $342,000 | 8,062 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $342,000 | 8,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,265 |
| Cash dividends | $67,000 | 7,264 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $342,000 | 8,009 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,589,000 | 8,825 |
| Total interest expense | $1,206,000 | 8,569 |
| Net interest income | $1,383,000 | 8,836 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $172,000 | 8,929 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 6,895 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 10,076 |
| Total noninterest expense | $914,000 | 9,309 |
| Salaries and employee benefits | $490,000 | 9,199 |
| Premises and equipment expense | $134,000 | 8,673 |
| Additional noninterest expense | $290,000 | 9,342 |
| Pre-tax net operating income | $581,000 | 7,986 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $209,000 | 7,275 |
| Income before extraordinary items | $372,000 | 8,302 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $372,000 | 8,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,173 |
| Cash dividends | $193,000 | 5,624 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $372,000 | 8,282 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,240,000 | 9,359 |
| Total interest expense | $901,000 | 9,125 |
| Net interest income | $1,339,000 | 9,343 |
| Provision for loan and lease losses | $70,000 | 5,310 |
| Total noninterest income | $132,000 | 10,075 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 8,122 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 10,596 |
| Total noninterest expense | $985,000 | 9,411 |
| Salaries and employee benefits | $522,000 | 9,192 |
| Premises and equipment expense | $147,000 | 8,631 |
| Additional noninterest expense | $316,000 | 9,767 |
| Pre-tax net operating income | $416,000 | 9,241 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $152,000 | 8,265 |
| Income before extraordinary items | $264,000 | 9,549 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $264,000 | 9,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,717 |
| Cash dividends | $67,000 | 7,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $264,000 | 9,608 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,308,000 | 9,560 |
| Total interest expense | $920,000 | 9,468 |
| Net interest income | $1,388,000 | 9,456 |
| Provision for loan and lease losses | $75,000 | 6,449 |
| Total noninterest income | $139,000 | 10,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $109,000 | 8,130 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 11,310 |
| Total noninterest expense | $930,000 | 10,055 |
| Salaries and employee benefits | $474,000 | 9,914 |
| Premises and equipment expense | $146,000 | 9,019 |
| Additional noninterest expense | $310,000 | 10,318 |
| Pre-tax net operating income | $522,000 | 8,521 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $201,000 | 7,594 |
| Income before extraordinary items | $324,000 | 9,192 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $324,000 | 9,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,984 |
| Cash dividends | $67,000 | 7,577 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $322,080 | 8,956 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,430,000 | 10,039 |
| Total interest expense | $1,072,000 | 10,080 |
| Net interest income | $1,358,000 | 9,770 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $144,000 | 10,610 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 8,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 11,703 |
| Total noninterest expense | $895,000 | 10,511 |
| Salaries and employee benefits | $478,000 | 10,004 |
| Premises and equipment expense | $130,000 | 9,690 |
| Additional noninterest expense | $287,000 | 11,020 |
| Pre-tax net operating income | $487,000 | 8,501 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $180,000 | 7,969 |
| Income before extraordinary items | $307,000 | 9,221 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $307,000 | 9,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 6,907 |
| Cash dividends | $64,000 | 7,351 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $307,000 | 8,852 |
* 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.