Home > Community Bank - Missoula > Income and Expense
Community Bank - Missoula, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $749,000 | 5,653 |
| Total interest expense | $172,000 | 4,780 |
| Net interest income | $577,000 | 5,771 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $199,000 | 3,659 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $28,000 | 5,334 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $171,000 | 2,876 |
| Total noninterest expense | $580,000 | 5,450 |
| Salaries and employee benefits | $325,000 | 5,312 |
| Premises and equipment expense | $81,000 | 4,903 |
| Additional noninterest expense | $174,000 | 5,657 |
| Pre-tax net operating income | $196,000 | 4,547 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $196,000 | 4,418 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $196,000 | 4,421 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $196,000 | 4,421 |
| Net charge-offs | $16,000 | 3,803 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $196,000 | 4,264 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,419,000 | 5,507 |
| Total interest expense | $911,000 | 4,618 |
| Net interest income | $2,508,000 | 5,642 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $556,000 | 4,213 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $153,000 | 4,849 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $403,000 | 3,424 |
| Total noninterest expense | $2,137,000 | 5,695 |
| Salaries and employee benefits | $1,226,000 | 5,469 |
| Premises and equipment expense | $284,000 | 5,351 |
| Additional noninterest expense | $627,000 | 5,910 |
| Pre-tax net operating income | $927,000 | 3,864 |
| Securities gains (losses) | $1,000 | 3,733 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $928,000 | 3,686 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $928,000 | 3,689 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $928,000 | 3,689 |
| Net charge-offs | $10,000 | 6,100 |
| Cash dividends | $368,000 | 2,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $927,000 | 3,556 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,600,000 | 5,532 |
| Total interest expense | $725,000 | 4,597 |
| Net interest income | $1,875,000 | 5,687 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $384,000 | 4,404 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $118,000 | 4,831 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $266,000 | 3,641 |
| Total noninterest expense | $1,618,000 | 5,701 |
| Salaries and employee benefits | $917,000 | 5,487 |
| Premises and equipment expense | $206,000 | 5,467 |
| Additional noninterest expense | $495,000 | 5,847 |
| Pre-tax net operating income | $641,000 | 4,120 |
| Securities gains (losses) | $1,000 | 3,451 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $642,000 | 3,903 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $642,000 | 3,905 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $642,000 | 3,905 |
| Net charge-offs | $11,000 | 5,755 |
| Cash dividends | $228,000 | 2,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $641,000 | 3,799 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,749,000 | 5,551 |
| Total interest expense | $514,000 | 4,548 |
| Net interest income | $1,235,000 | 5,746 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $236,000 | 4,576 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $83,000 | 4,731 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $153,000 | 3,915 |
| Total noninterest expense | $1,080,000 | 5,762 |
| Salaries and employee benefits | $606,000 | 5,553 |
| Premises and equipment expense | $146,000 | 5,376 |
| Additional noninterest expense | $328,000 | 5,938 |
| Pre-tax net operating income | $391,000 | 4,242 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $391,000 | 4,020 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $391,000 | 4,020 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $391,000 | 4,022 |
| Net charge-offs | $-4,000 | 6,815 |
| Cash dividends | $134,000 | 2,605 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $391,000 | 3,925 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $865,000 | 5,606 |
| Total interest expense | $268,000 | 4,569 |
| Net interest income | $597,000 | 5,835 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $115,000 | 4,667 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $41,000 | 4,713 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $74,000 | 4,031 |
| Total noninterest expense | $532,000 | 5,826 |
| Salaries and employee benefits | $302,000 | 5,596 |
| Premises and equipment expense | $76,000 | 5,334 |
| Additional noninterest expense | $154,000 | 6,089 |
| Pre-tax net operating income | $180,000 | 4,394 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $180,000 | 4,163 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $180,000 | 4,162 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $180,000 | 4,163 |
| Net charge-offs | $-4,000 | 6,688 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $180,000 | 4,110 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,010,000 | 5,394 |
| Total interest expense | $1,333,000 | 4,548 |
| Net interest income | $2,677,000 | 5,619 |
| Provision for loan and lease losses | $1,256,000 | 2,707 |
| Total noninterest income | $596,000 | 4,251 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $160,000 | 4,798 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $436,000 | 3,381 |
| Total noninterest expense | $2,132,000 | 5,881 |
| Salaries and employee benefits | $1,236,000 | 5,600 |
| Premises and equipment expense | $282,000 | 5,558 |
| Additional noninterest expense | $614,000 | 6,169 |
| Pre-tax net operating income | $-115,000 | 5,949 |
| Securities gains (losses) | $-3,000 | 6,950 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-118,000 | 6,095 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-118,000 | 6,094 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-118,000 | 6,095 |
| Net charge-offs | $1,056,000 | 2,615 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-115,000 | 6,013 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,023,000 | 5,476 |
| Total interest expense | $1,041,000 | 4,598 |
| Net interest income | $1,982,000 | 5,727 |
| Provision for loan and lease losses | $400,000 | 3,898 |
| Total noninterest income | $392,000 | 4,552 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $117,000 | 4,912 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $275,000 | 3,680 |
| Total noninterest expense | $1,654,000 | 5,831 |
| Salaries and employee benefits | $929,000 | 5,624 |
| Premises and equipment expense | $210,000 | 5,637 |
| Additional noninterest expense | $515,000 | 5,980 |
| Pre-tax net operating income | $320,000 | 4,783 |
| Securities gains (losses) | $-1,000 | 7,074 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $319,000 | 4,782 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $319,000 | 4,785 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $319,000 | 4,785 |
| Net charge-offs | $724,000 | 2,601 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $320,000 | 4,587 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,015,000 | 5,527 |
| Total interest expense | $720,000 | 4,608 |
| Net interest income | $1,295,000 | 5,787 |
| Provision for loan and lease losses | $400,000 | 3,175 |
| Total noninterest income | $218,000 | 4,875 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $75,000 | 4,997 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $143,000 | 4,047 |
| Total noninterest expense | $1,083,000 | 5,920 |
| Salaries and employee benefits | $609,000 | 5,703 |
| Premises and equipment expense | $141,000 | 5,645 |
| Additional noninterest expense | $333,000 | 6,074 |
| Pre-tax net operating income | $30,000 | 5,923 |
| Securities gains (losses) | $-1,000 | 7,170 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $29,000 | 6,031 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $29,000 | 6,033 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $29,000 | 6,032 |
| Net charge-offs | $725,000 | 2,042 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $30,000 | 5,926 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,037,000 | 5,525 |
| Total interest expense | $377,000 | 4,623 |
| Net interest income | $660,000 | 5,780 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $107,000 | 4,928 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $37,000 | 5,011 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $70,000 | 4,123 |
| Total noninterest expense | $570,000 | 5,865 |
| Salaries and employee benefits | $339,000 | 5,465 |
| Premises and equipment expense | $75,000 | 5,600 |
| Additional noninterest expense | $156,000 | 6,268 |
| Pre-tax net operating income | $197,000 | 4,097 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $197,000 | 3,914 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $197,000 | 3,912 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $197,000 | 3,913 |
| Net charge-offs | $-28,000 | 7,710 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $197,000 | 3,806 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,951,000 | 5,155 |
| Total interest expense | $1,872,000 | 4,644 |
| Net interest income | $3,079,000 | 5,313 |
| Provision for loan and lease losses | $620,000 | 4,203 |
| Total noninterest income | $651,000 | 4,214 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $182,000 | 4,808 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $469,000 | 3,320 |
| Total noninterest expense | $2,460,000 | 5,731 |
| Salaries and employee benefits | $1,507,000 | 5,178 |
| Premises and equipment expense | $254,000 | 6,026 |
| Additional noninterest expense | $699,000 | 6,135 |
| Pre-tax net operating income | $650,000 | 3,660 |
| Securities gains (losses) | $13,000 | 3,179 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $663,000 | 3,449 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $663,000 | 3,447 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $663,000 | 3,447 |
| Net charge-offs | $170,000 | 5,185 |
| Cash dividends | $570,000 | 2,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $650,000 | 3,416 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,819,000 | 5,141 |
| Total interest expense | $1,450,000 | 4,698 |
| Net interest income | $2,369,000 | 5,266 |
| Provision for loan and lease losses | $523,000 | 3,731 |
| Total noninterest income | $527,000 | 4,130 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $143,000 | 4,764 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $384,000 | 3,252 |
| Total noninterest expense | $1,900,000 | 5,665 |
| Salaries and employee benefits | $1,181,000 | 5,085 |
| Premises and equipment expense | $190,000 | 6,072 |
| Additional noninterest expense | $529,000 | 6,119 |
| Pre-tax net operating income | $473,000 | 3,971 |
| Securities gains (losses) | $12,000 | 2,919 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $485,000 | 3,743 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $485,000 | 3,741 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $485,000 | 3,742 |
| Net charge-offs | $87,000 | 5,187 |
| Cash dividends | $365,000 | 2,389 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $473,000 | 3,700 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,627,000 | 5,097 |
| Total interest expense | $999,000 | 4,733 |
| Net interest income | $1,628,000 | 5,169 |
| Provision for loan and lease losses | $431,000 | 3,160 |
| Total noninterest income | $345,000 | 4,159 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $93,000 | 4,785 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $252,000 | 3,288 |
| Total noninterest expense | $1,289,000 | 5,661 |
| Salaries and employee benefits | $801,000 | 5,095 |
| Premises and equipment expense | $125,000 | 6,166 |
| Additional noninterest expense | $363,000 | 6,069 |
| Pre-tax net operating income | $253,000 | 4,363 |
| Securities gains (losses) | $12,000 | 2,527 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $265,000 | 4,154 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $265,000 | 4,154 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $265,000 | 4,154 |
| Net charge-offs | $68,000 | 4,630 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $253,000 | 4,126 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,314,000 | 5,138 |
| Total interest expense | $515,000 | 4,765 |
| Net interest income | $799,000 | 5,219 |
| Provision for loan and lease losses | $340,000 | 2,170 |
| Total noninterest income | $144,000 | 4,485 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $45,000 | 4,805 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $99,000 | 3,674 |
| Total noninterest expense | $623,000 | 5,699 |
| Salaries and employee benefits | $401,000 | 5,141 |
| Premises and equipment expense | $68,000 | 6,010 |
| Additional noninterest expense | $154,000 | 6,240 |
| Pre-tax net operating income | $-20,000 | 6,362 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-20,000 | 6,511 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-20,000 | 6,512 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-20,000 | 6,512 |
| Net charge-offs | $43,000 | 3,708 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-20,000 | 6,389 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,522,000 | 5,175 |
| Total interest expense | $2,396,000 | 4,853 |
| Net interest income | $3,126,000 | 5,305 |
| Provision for loan and lease losses | $368,000 | 4,272 |
| Total noninterest income | $598,000 | 4,484 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $213,000 | 4,673 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $385,000 | 3,654 |
| Total noninterest expense | $2,687,000 | 5,445 |
| Salaries and employee benefits | $1,784,000 | 4,817 |
| Premises and equipment expense | $287,000 | 5,911 |
| Additional noninterest expense | $616,000 | 6,170 |
| Pre-tax net operating income | $669,000 | 4,468 |
| Securities gains (losses) | $45,000 | 1,683 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $714,000 | 3,912 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $714,000 | 3,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $343,000 | 3,346 |
| Cash dividends | $718,000 | 2,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $669,000 | 4,162 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,154,000 | 5,242 |
| Total interest expense | $1,844,000 | 4,902 |
| Net interest income | $2,310,000 | 5,384 |
| Provision for loan and lease losses | $25,000 | 6,390 |
| Total noninterest income | $472,000 | 4,459 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $160,000 | 4,700 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $312,000 | 3,620 |
| Total noninterest expense | $2,011,000 | 5,436 |
| Salaries and employee benefits | $1,317,000 | 4,875 |
| Premises and equipment expense | $208,000 | 6,003 |
| Additional noninterest expense | $486,000 | 5,980 |
| Pre-tax net operating income | $746,000 | 4,222 |
| Securities gains (losses) | $45,000 | 1,495 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $791,000 | 3,588 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $791,000 | 3,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $719,000 | 2,244 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $746,000 | 3,840 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,758,000 | 5,332 |
| Total interest expense | $1,256,000 | 4,999 |
| Net interest income | $1,502,000 | 5,471 |
| Provision for loan and lease losses | $25,000 | 5,815 |
| Total noninterest income | $333,000 | 4,399 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $103,000 | 4,787 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $230,000 | 3,496 |
| Total noninterest expense | $1,389,000 | 5,371 |
| Salaries and employee benefits | $912,000 | 4,806 |
| Premises and equipment expense | $142,000 | 5,979 |
| Additional noninterest expense | $335,000 | 5,881 |
| Pre-tax net operating income | $421,000 | 4,700 |
| Securities gains (losses) | $45,000 | 1,513 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $466,000 | 4,153 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $466,000 | 4,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $599,000 | 2,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $421,000 | 4,306 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,406,000 | 5,375 |
| Total interest expense | $643,000 | 5,103 |
| Net interest income | $763,000 | 5,437 |
| Provision for loan and lease losses | $19,000 | 4,956 |
| Total noninterest income | $167,000 | 4,369 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $55,000 | 4,609 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $112,000 | 3,569 |
| Total noninterest expense | $732,000 | 5,216 |
| Salaries and employee benefits | $486,000 | 4,655 |
| Premises and equipment expense | $78,000 | 5,785 |
| Additional noninterest expense | $168,000 | 5,863 |
| Pre-tax net operating income | $179,000 | 5,153 |
| Securities gains (losses) | $45,000 | 1,139 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $224,000 | 4,435 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $224,000 | 4,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $400,000 | 1,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $179,000 | 4,781 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,025,000 | 5,223 |
| Total interest expense | $2,427,000 | 5,343 |
| Net interest income | $3,598,000 | 4,950 |
| Provision for loan and lease losses | $1,000 | 6,828 |
| Total noninterest income | $710,000 | 4,257 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $215,000 | 4,756 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $495,000 | 3,330 |
| Total noninterest expense | $2,424,000 | 5,701 |
| Salaries and employee benefits | $1,601,000 | 5,099 |
| Premises and equipment expense | $218,000 | 6,546 |
| Additional noninterest expense | $605,000 | 6,101 |
| Pre-tax net operating income | $1,883,000 | 3,436 |
| Securities gains (losses) | $28,000 | 991 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $1,911,000 | 2,915 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,911,000 | 2,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,483 |
| Cash dividends | $1,109,000 | 2,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,883,000 | 2,946 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,468,000 | 5,272 |
| Total interest expense | $1,787,000 | 5,409 |
| Net interest income | $2,681,000 | 4,998 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $557,000 | 4,170 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $162,000 | 4,763 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $395,000 | 3,233 |
| Total noninterest expense | $1,816,000 | 5,669 |
| Salaries and employee benefits | $1,209,000 | 5,073 |
| Premises and equipment expense | $154,000 | 6,682 |
| Additional noninterest expense | $453,000 | 6,087 |
| Pre-tax net operating income | $1,422,000 | 3,587 |
| Securities gains (losses) | $21,000 | 820 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $1,443,000 | 3,056 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,443,000 | 3,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,926 |
| Cash dividends | $909,000 | 2,142 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,422,000 | 3,070 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,907,000 | 5,360 |
| Total interest expense | $1,149,000 | 5,503 |
| Net interest income | $1,758,000 | 5,071 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $375,000 | 4,174 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $108,000 | 4,782 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $267,000 | 3,209 |
| Total noninterest expense | $1,224,000 | 5,666 |
| Salaries and employee benefits | $818,000 | 5,070 |
| Premises and equipment expense | $102,000 | 6,740 |
| Additional noninterest expense | $304,000 | 6,081 |
| Pre-tax net operating income | $909,000 | 3,740 |
| Securities gains (losses) | $21,000 | 698 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $930,000 | 3,172 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $930,000 | 3,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,315 |
| Cash dividends | $677,000 | 2,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $909,000 | 3,206 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,400,000 | 5,470 |
| Total interest expense | $558,000 | 5,577 |
| Net interest income | $842,000 | 5,216 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $174,000 | 4,306 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $56,000 | 4,665 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $118,000 | 3,468 |
| Total noninterest expense | $637,000 | 5,575 |
| Salaries and employee benefits | $424,000 | 4,973 |
| Premises and equipment expense | $53,000 | 6,692 |
| Additional noninterest expense | $160,000 | 5,927 |
| Pre-tax net operating income | $379,000 | 4,121 |
| Securities gains (losses) | $21,000 | 555 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $400,000 | 3,501 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $400,000 | 3,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $300,000 | 1,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $379,000 | 3,604 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,567,000 | 5,242 |
| Total interest expense | $2,007,000 | 5,396 |
| Net interest income | $3,560,000 | 5,001 |
| Provision for loan and lease losses | $35,000 | 5,927 |
| Total noninterest income | $712,000 | 4,318 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $232,000 | 4,674 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $480,000 | 3,412 |
| Total noninterest expense | $2,290,000 | 5,755 |
| Salaries and employee benefits | $1,480,000 | 5,237 |
| Premises and equipment expense | $217,000 | 6,552 |
| Additional noninterest expense | $593,000 | 6,090 |
| Pre-tax net operating income | $1,947,000 | 3,711 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $1,947,000 | 3,159 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,947,000 | 3,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,238 |
| Cash dividends | $1,189,000 | 2,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,947,000 | 3,143 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,114,000 | 5,285 |
| Total interest expense | $1,432,000 | 5,466 |
| Net interest income | $2,682,000 | 5,031 |
| Provision for loan and lease losses | $34,000 | 5,569 |
| Total noninterest income | $545,000 | 4,285 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $177,000 | 4,680 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $368,000 | 3,348 |
| Total noninterest expense | $1,770,000 | 5,652 |
| Salaries and employee benefits | $1,124,000 | 5,166 |
| Premises and equipment expense | $165,000 | 6,536 |
| Additional noninterest expense | $481,000 | 5,875 |
| Pre-tax net operating income | $1,423,000 | 3,913 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $1,423,000 | 3,319 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,423,000 | 3,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $972,000 | 1,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,423,000 | 3,307 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,706,000 | 5,294 |
| Total interest expense | $907,000 | 5,488 |
| Net interest income | $1,799,000 | 5,030 |
| Provision for loan and lease losses | $34,000 | 4,919 |
| Total noninterest income | $352,000 | 4,334 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $113,000 | 4,738 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $239,000 | 3,405 |
| Total noninterest expense | $1,235,000 | 5,515 |
| Salaries and employee benefits | $791,000 | 5,018 |
| Premises and equipment expense | $116,000 | 6,428 |
| Additional noninterest expense | $328,000 | 5,807 |
| Pre-tax net operating income | $882,000 | 4,100 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $882,000 | 3,494 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $882,000 | 3,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $734,000 | 1,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $882,000 | 3,485 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,304,000 | 5,343 |
| Total interest expense | $431,000 | 5,501 |
| Net interest income | $873,000 | 5,123 |
| Provision for loan and lease losses | $34,000 | 3,733 |
| Total noninterest income | $166,000 | 4,402 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $57,000 | 4,646 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $109,000 | 3,553 |
| Total noninterest expense | $681,000 | 5,217 |
| Salaries and employee benefits | $458,000 | 4,576 |
| Premises and equipment expense | $58,000 | 6,447 |
| Additional noninterest expense | $165,000 | 5,767 |
| Pre-tax net operating income | $324,000 | 4,771 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $324,000 | 4,224 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $324,000 | 4,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $300,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $324,000 | 4,207 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,799,000 | 5,288 |
| Total interest expense | $1,324,000 | 5,569 |
| Net interest income | $3,475,000 | 5,045 |
| Provision for loan and lease losses | $91,000 | 4,957 |
| Total noninterest income | $779,000 | 4,108 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $251,000 | 4,569 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $528,000 | 3,272 |
| Total noninterest expense | $2,048,000 | 6,029 |
| Salaries and employee benefits | $1,316,000 | 5,487 |
| Premises and equipment expense | $189,000 | 6,834 |
| Additional noninterest expense | $543,000 | 6,334 |
| Pre-tax net operating income | $2,115,000 | 3,555 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $2,115,000 | 2,949 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,115,000 | 2,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,036 |
| Cash dividends | $868,000 | 2,718 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,115,000 | 2,920 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,475,000 | 5,370 |
| Total interest expense | $938,000 | 5,616 |
| Net interest income | $2,537,000 | 5,135 |
| Provision for loan and lease losses | $68,000 | 4,836 |
| Total noninterest income | $597,000 | 4,060 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $190,000 | 4,577 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $407,000 | 3,249 |
| Total noninterest expense | $1,512,000 | 6,047 |
| Salaries and employee benefits | $953,000 | 5,585 |
| Premises and equipment expense | $134,000 | 6,949 |
| Additional noninterest expense | $425,000 | 6,195 |
| Pre-tax net operating income | $1,554,000 | 3,651 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $1,554,000 | 3,038 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,554,000 | 3,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,463 |
| Cash dividends | $652,000 | 2,406 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,554,000 | 3,002 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,203,000 | 5,449 |
| Total interest expense | $580,000 | 5,657 |
| Net interest income | $1,623,000 | 5,256 |
| Provision for loan and lease losses | $45,000 | 4,715 |
| Total noninterest income | $352,000 | 4,352 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $125,000 | 4,565 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $227,000 | 3,541 |
| Total noninterest expense | $987,000 | 6,119 |
| Salaries and employee benefits | $626,000 | 5,617 |
| Premises and equipment expense | $86,000 | 7,006 |
| Additional noninterest expense | $275,000 | 6,250 |
| Pre-tax net operating income | $943,000 | 3,871 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $943,000 | 3,232 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $943,000 | 3,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,238 |
| Cash dividends | $325,000 | 2,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $943,000 | 3,191 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,034,000 | 5,629 |
| Total interest expense | $276,000 | 5,706 |
| Net interest income | $758,000 | 5,508 |
| Provision for loan and lease losses | $23,000 | 4,505 |
| Total noninterest income | $157,000 | 4,590 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $63,000 | 4,498 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $94,000 | 3,848 |
| Total noninterest expense | $477,000 | 6,271 |
| Salaries and employee benefits | $299,000 | 5,793 |
| Premises and equipment expense | $42,000 | 7,127 |
| Additional noninterest expense | $136,000 | 6,329 |
| Pre-tax net operating income | $415,000 | 4,163 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $415,000 | 3,530 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $415,000 | 3,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $415,000 | 3,492 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,851,000 | 5,671 |
| Total interest expense | $989,000 | 5,688 |
| Net interest income | $2,862,000 | 5,551 |
| Provision for loan and lease losses | $168,000 | 4,049 |
| Total noninterest income | $714,000 | 4,336 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $253,000 | 4,724 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $461,000 | 3,462 |
| Total noninterest expense | $1,977,000 | 6,043 |
| Salaries and employee benefits | $1,256,000 | 5,557 |
| Premises and equipment expense | $195,000 | 6,820 |
| Additional noninterest expense | $526,000 | 6,393 |
| Pre-tax net operating income | $1,431,000 | 4,367 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $1,431,000 | 3,749 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,431,000 | 3,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 4,821 |
| Cash dividends | $821,000 | 2,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,431,000 | 3,695 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,819,000 | 5,743 |
| Total interest expense | $731,000 | 5,704 |
| Net interest income | $2,088,000 | 5,652 |
| Provision for loan and lease losses | $137,000 | 3,698 |
| Total noninterest income | $504,000 | 4,531 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $184,000 | 4,828 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $320,000 | 3,617 |
| Total noninterest expense | $1,408,000 | 6,177 |
| Salaries and employee benefits | $861,000 | 5,793 |
| Premises and equipment expense | $140,000 | 6,884 |
| Additional noninterest expense | $407,000 | 6,260 |
| Pre-tax net operating income | $1,047,000 | 4,491 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $1,047,000 | 3,895 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,047,000 | 3,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 3,964 |
| Cash dividends | $565,000 | 2,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,047,000 | 3,824 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,803,000 | 5,883 |
| Total interest expense | $481,000 | 5,758 |
| Net interest income | $1,322,000 | 5,816 |
| Provision for loan and lease losses | $91,000 | 3,628 |
| Total noninterest income | $336,000 | 4,524 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $124,000 | 4,796 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $212,000 | 3,628 |
| Total noninterest expense | $924,000 | 6,273 |
| Salaries and employee benefits | $568,000 | 5,860 |
| Premises and equipment expense | $93,000 | 6,933 |
| Additional noninterest expense | $263,000 | 6,373 |
| Pre-tax net operating income | $643,000 | 4,662 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $643,000 | 4,047 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $643,000 | 4,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,193 |
| Cash dividends | $417,000 | 2,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $643,000 | 3,968 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $873,000 | 6,011 |
| Total interest expense | $240,000 | 5,816 |
| Net interest income | $633,000 | 5,966 |
| Provision for loan and lease losses | $46,000 | 3,418 |
| Total noninterest income | $176,000 | 4,381 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $60,000 | 4,803 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $116,000 | 3,401 |
| Total noninterest expense | $463,000 | 6,306 |
| Salaries and employee benefits | $284,000 | 5,901 |
| Premises and equipment expense | $47,000 | 6,927 |
| Additional noninterest expense | $132,000 | 6,385 |
| Pre-tax net operating income | $300,000 | 4,808 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $300,000 | 4,261 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $300,000 | 4,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 2,050 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $300,000 | 4,140 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,463,000 | 6,071 |
| Total interest expense | $1,121,000 | 5,789 |
| Net interest income | $2,342,000 | 6,108 |
| Provision for loan and lease losses | $183,000 | 4,182 |
| Total noninterest income | $830,000 | 4,146 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $233,000 | 4,914 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $597,000 | 3,267 |
| Total noninterest expense | $1,876,000 | 6,205 |
| Salaries and employee benefits | $1,152,000 | 5,773 |
| Premises and equipment expense | $217,000 | 6,578 |
| Additional noninterest expense | $507,000 | 6,518 |
| Pre-tax net operating income | $1,113,000 | 4,881 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $1,113,000 | 4,331 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,113,000 | 4,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,380 |
| Cash dividends | $574,000 | 3,302 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,113,000 | 4,166 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,590,000 | 6,156 |
| Total interest expense | $868,000 | 5,834 |
| Net interest income | $1,722,000 | 6,212 |
| Provision for loan and lease losses | $137,000 | 4,061 |
| Total noninterest income | $664,000 | 4,053 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $170,000 | 5,015 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $494,000 | 3,162 |
| Total noninterest expense | $1,346,000 | 6,330 |
| Salaries and employee benefits | $797,000 | 6,018 |
| Premises and equipment expense | $157,000 | 6,673 |
| Additional noninterest expense | $392,000 | 6,396 |
| Pre-tax net operating income | $903,000 | 4,815 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $903,000 | 4,276 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $903,000 | 4,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,905 |
| Cash dividends | $389,000 | 3,090 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $903,000 | 4,100 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,701,000 | 6,239 |
| Total interest expense | $594,000 | 5,878 |
| Net interest income | $1,107,000 | 6,343 |
| Provision for loan and lease losses | $91,000 | 4,011 |
| Total noninterest income | $457,000 | 3,946 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $112,000 | 4,996 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $345,000 | 3,037 |
| Total noninterest expense | $868,000 | 6,451 |
| Salaries and employee benefits | $518,000 | 6,131 |
| Premises and equipment expense | $103,000 | 6,702 |
| Additional noninterest expense | $247,000 | 6,560 |
| Pre-tax net operating income | $605,000 | 4,813 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $605,000 | 4,269 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $605,000 | 4,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,226 |
| Cash dividends | $262,000 | 3,070 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $605,000 | 4,069 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $813,000 | 6,403 |
| Total interest expense | $303,000 | 5,910 |
| Net interest income | $510,000 | 6,592 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $212,000 | 4,023 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $54,000 | 5,010 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $158,000 | 3,120 |
| Total noninterest expense | $436,000 | 6,457 |
| Salaries and employee benefits | $261,000 | 6,101 |
| Premises and equipment expense | $55,000 | 6,522 |
| Additional noninterest expense | $120,000 | 6,651 |
| Pre-tax net operating income | $241,000 | 5,372 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $241,000 | 4,806 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $241,000 | 4,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,268 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $241,000 | 4,618 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,216,000 | 6,624 |
| Total interest expense | $1,359,000 | 6,051 |
| Net interest income | $1,857,000 | 6,852 |
| Provision for loan and lease losses | $80,000 | 6,062 |
| Total noninterest income | $613,000 | 4,665 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $250,000 | 4,695 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $363,000 | 3,864 |
| Total noninterest expense | $1,511,000 | 6,817 |
| Salaries and employee benefits | $920,000 | 6,440 |
| Premises and equipment expense | $182,000 | 7,003 |
| Additional noninterest expense | $409,000 | 7,094 |
| Pre-tax net operating income | $879,000 | 5,543 |
| Securities gains (losses) | $-2,000 | 8,714 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $877,000 | 4,942 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $877,000 | 4,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 4,150 |
| Cash dividends | $340,000 | 4,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $879,000 | 4,807 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,232,000 | 6,998 |
| Total interest expense | $1,630,000 | 6,729 |
| Net interest income | $1,602,000 | 7,151 |
| Provision for loan and lease losses | $43,000 | 6,864 |
| Total noninterest income | $522,000 | 4,958 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $228,000 | 4,852 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $294,000 | 4,159 |
| Total noninterest expense | $1,362,000 | 7,093 |
| Salaries and employee benefits | $796,000 | 6,787 |
| Premises and equipment expense | $174,000 | 7,155 |
| Additional noninterest expense | $392,000 | 7,214 |
| Pre-tax net operating income | $719,000 | 5,753 |
| Securities gains (losses) | $1,000 | 4,410 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $720,000 | 5,156 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $720,000 | 5,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,370 |
| Cash dividends | $280,000 | 4,500 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $719,000 | 5,047 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,141,000 | 7,269 |
| Total interest expense | $1,516,000 | 7,128 |
| Net interest income | $1,625,000 | 7,258 |
| Provision for loan and lease losses | $45,000 | 6,708 |
| Total noninterest income | $376,000 | 5,714 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $228,000 | 4,771 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $148,000 | 5,512 |
| Total noninterest expense | $1,260,000 | 7,349 |
| Salaries and employee benefits | $684,000 | 7,273 |
| Premises and equipment expense | $200,000 | 6,773 |
| Additional noninterest expense | $376,000 | 7,353 |
| Pre-tax net operating income | $696,000 | 6,239 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $696,000 | 5,439 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $696,000 | 5,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,027 |
| Cash dividends | $94,000 | 6,033 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $696,000 | 5,441 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,500,000 | 7,906 |
| Total interest expense | $1,098,000 | 7,915 |
| Net interest income | $1,402,000 | 7,779 |
| Provision for loan and lease losses | $73,000 | 5,834 |
| Total noninterest income | $238,000 | 7,067 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $188,000 | 5,288 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 8,065 |
| Total noninterest expense | $1,196,000 | 7,581 |
| Salaries and employee benefits | $636,000 | 7,564 |
| Premises and equipment expense | $183,000 | 7,076 |
| Additional noninterest expense | $377,000 | 7,471 |
| Pre-tax net operating income | $371,000 | 7,735 |
| Securities gains (losses) | $-3,000 | 8,917 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $368,000 | 7,172 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $368,000 | 7,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,834 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $371,000 | 7,127 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,159,000 | 8,495 |
| Total interest expense | $1,074,000 | 8,215 |
| Net interest income | $1,085,000 | 8,597 |
| Provision for loan and lease losses | $61,000 | 6,101 |
| Total noninterest income | $195,000 | 7,643 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $146,000 | 6,002 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 8,189 |
| Total noninterest expense | $974,000 | 8,199 |
| Salaries and employee benefits | $500,000 | 8,362 |
| Premises and equipment expense | $164,000 | 7,353 |
| Additional noninterest expense | $310,000 | 8,025 |
| Pre-tax net operating income | $245,000 | 8,692 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $246,000 | 8,269 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $246,000 | 8,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,860 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $245,000 | 8,206 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,403,000 | 9,804 |
| Total interest expense | $640,000 | 9,712 |
| Net interest income | $763,000 | 9,766 |
| Provision for loan and lease losses | $75,000 | 5,767 |
| Total noninterest income | $156,000 | 8,480 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 6,738 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 9,104 |
| Total noninterest expense | $726,000 | 9,310 |
| Salaries and employee benefits | $359,000 | 9,537 |
| Premises and equipment expense | $140,000 | 8,021 |
| Additional noninterest expense | $227,000 | 9,099 |
| Pre-tax net operating income | $118,000 | 9,996 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $118,000 | 9,848 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $118,000 | 9,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $118,000 | 9,805 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,005,000 | 10,807 |
| Total interest expense | $470,000 | 10,682 |
| Net interest income | $535,000 | 10,814 |
| Provision for loan and lease losses | $55,000 | 6,421 |
| Total noninterest income | $93,000 | 10,021 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 9,517 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 8,080 |
| Total noninterest expense | $564,000 | 10,340 |
| Salaries and employee benefits | $270,000 | 10,578 |
| Premises and equipment expense | $130,000 | 8,532 |
| Additional noninterest expense | $164,000 | 10,381 |
| Pre-tax net operating income | $9,000 | 10,739 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-3,000 | 10,903 |
| Income before extraordinary items | $12,000 | 10,769 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $12,000 | 10,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $12,000 | 10,720 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $457,000 | 11,807 |
| Total interest expense | $197,000 | 11,756 |
| Net interest income | $260,000 | 11,804 |
| Provision for loan and lease losses | $50,000 | 6,165 |
| Total noninterest income | $27,000 | 11,697 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 10,187 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 11,076 |
| Total noninterest expense | $387,000 | 11,469 |
| Salaries and employee benefits | $207,000 | 11,456 |
| Premises and equipment expense | $50,000 | 11,093 |
| Additional noninterest expense | $130,000 | 11,309 |
| Pre-tax net operating income | $-150,000 | 11,637 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-42,000 | 11,620 |
| Income before extraordinary items | $-108,000 | 11,612 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-108,000 | 11,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $2,300,000 | 193 |
| Net operating income | $-108,000 | 11,591 |
* 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.