Home > Community Central Bank > Income and Expense
Community Central Bank, Income and Expense
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $5,363,000 | 1,370 |
| Total interest expense | $2,377,000 | 693 |
| Net interest income | $2,986,000 | 1,856 |
| Provision for loan and lease losses | $6,650,000 | 194 |
| Total noninterest income | $465,000 | 2,119 |
| Gross Fiduciary activities income | $54,000 | 732 |
| Service charges on deposit accounts | $69,000 | 3,722 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $342,000 | 1,753 |
| Total noninterest expense | $4,556,000 | 1,106 |
| Salaries and employee benefits | $1,691,000 | 1,491 |
| Premises and equipment expense | $465,000 | 1,390 |
| Additional noninterest expense | $2,400,000 | 746 |
| Pre-tax net operating income | $-7,755,000 | 7,535 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-7,755,000 | 7,527 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-7,755,000 | 7,527 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-7,755,000 | 7,527 |
| Net charge-offs | $8,764,000 | 174 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-7,755,000 | 7,528 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $25,347,000 | 1,220 |
| Total interest expense | $12,154,000 | 652 |
| Net interest income | $13,193,000 | 1,676 |
| Provision for loan and lease losses | $22,250,000 | 333 |
| Total noninterest income | $5,499,000 | 1,009 |
| Gross Fiduciary activities income | $257,000 | 701 |
| Service charges on deposit accounts | $375,000 | 3,184 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $4,867,000 | 756 |
| Total noninterest expense | $19,878,000 | 1,005 |
| Salaries and employee benefits | $10,117,000 | 964 |
| Premises and equipment expense | $1,721,000 | 1,490 |
| Additional noninterest expense | $8,040,000 | 912 |
| Pre-tax net operating income | $-23,436,000 | 7,541 |
| Securities gains (losses) | $182,000 | 1,672 |
| Applicable income taxes | $2,998,000 | 542 |
| Income before extraordinary items | $-26,252,000 | 7,545 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-26,252,000 | 7,545 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-26,252,000 | 7,545 |
| Net charge-offs | $15,734,000 | 418 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-26,434,000 | 7,547 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $19,278,000 | 1,224 |
| Total interest expense | $9,504,000 | 654 |
| Net interest income | $9,774,000 | 1,720 |
| Provision for loan and lease losses | $16,750,000 | 322 |
| Total noninterest income | $2,346,000 | 1,496 |
| Gross Fiduciary activities income | $195,000 | 692 |
| Service charges on deposit accounts | $288,000 | 3,221 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,863,000 | 1,164 |
| Total noninterest expense | $13,503,000 | 1,088 |
| Salaries and employee benefits | $6,549,000 | 1,125 |
| Premises and equipment expense | $1,280,000 | 1,517 |
| Additional noninterest expense | $5,674,000 | 944 |
| Pre-tax net operating income | $-18,133,000 | 7,645 |
| Securities gains (losses) | $277,000 | 1,137 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-17,856,000 | 7,648 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-17,856,000 | 7,648 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-17,856,000 | 7,648 |
| Net charge-offs | $10,141,000 | 456 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-18,133,000 | 7,644 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $12,878,000 | 1,230 |
| Total interest expense | $6,671,000 | 640 |
| Net interest income | $6,207,000 | 1,802 |
| Provision for loan and lease losses | $12,200,000 | 302 |
| Total noninterest income | $1,383,000 | 1,605 |
| Gross Fiduciary activities income | $131,000 | 693 |
| Service charges on deposit accounts | $191,000 | 3,231 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,061,000 | 1,239 |
| Total noninterest expense | $8,575,000 | 1,157 |
| Salaries and employee benefits | $4,425,000 | 1,112 |
| Premises and equipment expense | $855,000 | 1,537 |
| Additional noninterest expense | $3,295,000 | 1,076 |
| Pre-tax net operating income | $-13,185,000 | 7,716 |
| Securities gains (losses) | $209,000 | 933 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-12,976,000 | 7,715 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-12,976,000 | 7,715 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-12,976,000 | 7,715 |
| Net charge-offs | $8,847,000 | 366 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-13,185,000 | 7,715 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $6,404,000 | 1,264 |
| Total interest expense | $3,414,000 | 666 |
| Net interest income | $2,990,000 | 1,901 |
| Provision for loan and lease losses | $8,200,000 | 265 |
| Total noninterest income | $870,000 | 1,371 |
| Gross Fiduciary activities income | $66,000 | 698 |
| Service charges on deposit accounts | $91,000 | 3,330 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $713,000 | 998 |
| Total noninterest expense | $4,500,000 | 1,112 |
| Salaries and employee benefits | $2,195,000 | 1,133 |
| Premises and equipment expense | $454,000 | 1,488 |
| Additional noninterest expense | $1,851,000 | 957 |
| Pre-tax net operating income | $-8,840,000 | 7,831 |
| Securities gains (losses) | $78,000 | 905 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-8,762,000 | 7,837 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-8,762,000 | 7,838 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-8,762,000 | 7,838 |
| Net charge-offs | $6,649,000 | 264 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-8,840,000 | 7,839 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $28,798,000 | 1,193 |
| Total interest expense | $15,590,000 | 741 |
| Net interest income | $13,208,000 | 1,698 |
| Provision for loan and lease losses | $14,850,000 | 613 |
| Total noninterest income | $2,944,000 | 1,637 |
| Gross Fiduciary activities income | $319,000 | 652 |
| Service charges on deposit accounts | $411,000 | 3,277 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,214,000 | 1,277 |
| Total noninterest expense | $17,534,000 | 1,183 |
| Salaries and employee benefits | $8,471,000 | 1,152 |
| Premises and equipment expense | $1,680,000 | 1,596 |
| Additional noninterest expense | $7,383,000 | 1,051 |
| Pre-tax net operating income | $-16,232,000 | 7,654 |
| Securities gains (losses) | $726,000 | 666 |
| Applicable income taxes | $404,000 | 1,753 |
| Income before extraordinary items | $-15,910,000 | 7,688 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-15,910,000 | 7,687 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-15,910,000 | 7,687 |
| Net charge-offs | $9,208,000 | 733 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-16,636,000 | 7,695 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $22,021,000 | 1,192 |
| Total interest expense | $11,994,000 | 767 |
| Net interest income | $10,027,000 | 1,678 |
| Provision for loan and lease losses | $9,650,000 | 637 |
| Total noninterest income | $2,449,000 | 1,539 |
| Gross Fiduciary activities income | $254,000 | 636 |
| Service charges on deposit accounts | $300,000 | 3,347 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,895,000 | 1,200 |
| Total noninterest expense | $11,737,000 | 1,308 |
| Salaries and employee benefits | $6,141,000 | 1,219 |
| Premises and equipment expense | $1,269,000 | 1,608 |
| Additional noninterest expense | $4,327,000 | 1,272 |
| Pre-tax net operating income | $-8,911,000 | 7,707 |
| Securities gains (losses) | $436,000 | 777 |
| Applicable income taxes | $-3,010,000 | 7,816 |
| Income before extraordinary items | $-5,465,000 | 7,612 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-5,465,000 | 7,612 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-5,465,000 | 7,612 |
| Net charge-offs | $4,770,000 | 844 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-5,744,040 | 7,640 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $14,780,000 | 1,204 |
| Total interest expense | $8,282,000 | 781 |
| Net interest income | $6,498,000 | 1,719 |
| Provision for loan and lease losses | $5,250,000 | 713 |
| Total noninterest income | $2,154,000 | 1,271 |
| Gross Fiduciary activities income | $165,000 | 644 |
| Service charges on deposit accounts | $190,000 | 3,410 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,799,000 | 964 |
| Total noninterest expense | $7,746,000 | 1,348 |
| Salaries and employee benefits | $4,124,000 | 1,231 |
| Premises and equipment expense | $851,000 | 1,636 |
| Additional noninterest expense | $2,771,000 | 1,341 |
| Pre-tax net operating income | $-4,344,000 | 7,693 |
| Securities gains (losses) | $356,000 | 661 |
| Applicable income taxes | $-1,443,000 | 7,831 |
| Income before extraordinary items | $-2,545,000 | 7,575 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,545,000 | 7,574 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,545,000 | 7,574 |
| Net charge-offs | $2,756,000 | 916 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-2,772,840 | 7,617 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $7,317,000 | 1,238 |
| Total interest expense | $4,225,000 | 792 |
| Net interest income | $3,092,000 | 1,798 |
| Provision for loan and lease losses | $2,550,000 | 630 |
| Total noninterest income | $455,000 | 2,283 |
| Gross Fiduciary activities income | $83,000 | 645 |
| Service charges on deposit accounts | $95,000 | 3,361 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $277,000 | 2,059 |
| Total noninterest expense | $3,460,000 | 1,443 |
| Salaries and employee benefits | $1,896,000 | 1,372 |
| Premises and equipment expense | $446,000 | 1,595 |
| Additional noninterest expense | $1,118,000 | 1,452 |
| Pre-tax net operating income | $-2,463,000 | 7,891 |
| Securities gains (losses) | $128,000 | 878 |
| Applicable income taxes | $-843,000 | 7,966 |
| Income before extraordinary items | $-1,492,000 | 7,830 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,492,000 | 7,831 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,492,000 | 7,831 |
| Net charge-offs | $1,543,000 | 721 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,573,920 | 7,835 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $30,421,000 | 1,267 |
| Total interest expense | $18,226,000 | 873 |
| Net interest income | $12,195,000 | 1,824 |
| Provision for loan and lease losses | $9,502,000 | 622 |
| Total noninterest income | $3,645,000 | 1,362 |
| Gross Fiduciary activities income | $370,000 | 632 |
| Service charges on deposit accounts | $509,000 | 2,969 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,766,000 | 1,032 |
| Total noninterest expense | $16,124,000 | 1,217 |
| Salaries and employee benefits | $7,459,000 | 1,369 |
| Premises and equipment expense | $1,727,000 | 1,602 |
| Additional noninterest expense | $6,938,000 | 925 |
| Pre-tax net operating income | $-9,786,000 | 7,984 |
| Securities gains (losses) | $214,000 | 691 |
| Applicable income taxes | $-3,555,000 | 8,046 |
| Income before extraordinary items | $-6,017,000 | 7,872 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-6,017,000 | 7,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,590,000 | 457 |
| Cash dividends | $250,000 | 4,276 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 1,242 |
| Net operating income | $-6,153,960 | 7,922 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $22,854,000 | 1,294 |
| Total interest expense | $13,824,000 | 901 |
| Net interest income | $9,030,000 | 1,876 |
| Provision for loan and lease losses | $4,068,000 | 754 |
| Total noninterest income | $3,187,000 | 1,250 |
| Gross Fiduciary activities income | $267,000 | 644 |
| Service charges on deposit accounts | $404,000 | 2,867 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,516,000 | 928 |
| Total noninterest expense | $10,730,000 | 1,345 |
| Salaries and employee benefits | $5,476,000 | 1,421 |
| Premises and equipment expense | $1,283,000 | 1,627 |
| Additional noninterest expense | $3,971,000 | 1,158 |
| Pre-tax net operating income | $-2,581,000 | 7,955 |
| Securities gains (losses) | $195,000 | 638 |
| Applicable income taxes | $-1,049,000 | 8,059 |
| Income before extraordinary items | $-1,337,000 | 7,649 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,337,000 | 7,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,675,000 | 689 |
| Cash dividends | $250,000 | 3,624 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 1,026 |
| Net operating income | $-1,461,800 | 7,791 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $15,317,000 | 1,302 |
| Total interest expense | $9,399,000 | 915 |
| Net interest income | $5,918,000 | 1,903 |
| Provision for loan and lease losses | $2,984,000 | 606 |
| Total noninterest income | $2,265,000 | 1,196 |
| Gross Fiduciary activities income | $206,000 | 625 |
| Service charges on deposit accounts | $280,000 | 2,784 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,779,000 | 915 |
| Total noninterest expense | $6,999,000 | 1,372 |
| Salaries and employee benefits | $3,620,000 | 1,449 |
| Premises and equipment expense | $861,000 | 1,616 |
| Additional noninterest expense | $2,518,000 | 1,183 |
| Pre-tax net operating income | $-1,800,000 | 8,129 |
| Securities gains (losses) | $110,000 | 901 |
| Applicable income taxes | $-751,000 | 8,232 |
| Income before extraordinary items | $-939,000 | 7,970 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-939,000 | 7,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,368,000 | 505 |
| Cash dividends | $250,000 | 3,175 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 909 |
| Net operating income | $-1,009,400 | 7,986 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,802,000 | 1,313 |
| Total interest expense | $4,873,000 | 931 |
| Net interest income | $2,929,000 | 1,907 |
| Provision for loan and lease losses | $2,100,000 | 393 |
| Total noninterest income | $841,000 | 1,512 |
| Gross Fiduciary activities income | $108,000 | 634 |
| Service charges on deposit accounts | $132,000 | 2,865 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $601,000 | 1,232 |
| Total noninterest expense | $3,425,000 | 1,395 |
| Salaries and employee benefits | $1,810,000 | 1,468 |
| Premises and equipment expense | $435,000 | 1,609 |
| Additional noninterest expense | $1,180,000 | 1,211 |
| Pre-tax net operating income | $-1,755,000 | 8,351 |
| Securities gains (losses) | $61,000 | 973 |
| Applicable income taxes | $-678,000 | 8,380 |
| Income before extraordinary items | $-1,016,000 | 8,305 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,016,000 | 8,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,648,000 | 331 |
| Cash dividends | $250,000 | 2,054 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 784 |
| Net operating income | $-1,055,040 | 8,303 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $32,925,000 | 1,285 |
| Total interest expense | $19,506,000 | 1,006 |
| Net interest income | $13,419,000 | 1,685 |
| Provision for loan and lease losses | $3,600,000 | 547 |
| Total noninterest income | $4,029,000 | 1,296 |
| Gross Fiduciary activities income | $436,000 | 623 |
| Service charges on deposit accounts | $420,000 | 3,434 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,173,000 | 970 |
| Total noninterest expense | $13,061,000 | 1,414 |
| Salaries and employee benefits | $7,619,000 | 1,316 |
| Premises and equipment expense | $1,703,000 | 1,558 |
| Additional noninterest expense | $3,739,000 | 1,484 |
| Pre-tax net operating income | $787,000 | 5,204 |
| Securities gains (losses) | $-74,000 | 8,085 |
| Applicable income taxes | $-212,000 | 8,134 |
| Income before extraordinary items | $925,000 | 4,485 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $925,000 | 4,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,012,000 | 1,013 |
| Cash dividends | $1,400,000 | 2,102 |
| Sale, conversion, retirement of capital stock, net | $59,000 | 1,037 |
| Net operating income | $999,000 | 4,319 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $24,798,000 | 1,280 |
| Total interest expense | $14,673,000 | 1,001 |
| Net interest income | $10,125,000 | 1,680 |
| Provision for loan and lease losses | $1,000,000 | 898 |
| Total noninterest income | $3,025,000 | 1,295 |
| Gross Fiduciary activities income | $322,000 | 624 |
| Service charges on deposit accounts | $285,000 | 3,617 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,418,000 | 956 |
| Total noninterest expense | $9,603,000 | 1,426 |
| Salaries and employee benefits | $5,734,000 | 1,311 |
| Premises and equipment expense | $1,268,000 | 1,570 |
| Additional noninterest expense | $2,601,000 | 1,550 |
| Pre-tax net operating income | $2,547,000 | 2,402 |
| Securities gains (losses) | $-44,000 | 8,144 |
| Applicable income taxes | $528,000 | 2,464 |
| Income before extraordinary items | $1,975,000 | 2,398 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,975,000 | 2,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $771,000 | 780 |
| Cash dividends | $1,050,000 | 1,924 |
| Sale, conversion, retirement of capital stock, net | $47,000 | 904 |
| Net operating income | $2,009,760 | 2,339 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $16,341,000 | 1,307 |
| Total interest expense | $9,719,000 | 1,017 |
| Net interest income | $6,622,000 | 1,730 |
| Provision for loan and lease losses | $225,000 | 1,984 |
| Total noninterest income | $2,310,000 | 1,193 |
| Gross Fiduciary activities income | $198,000 | 648 |
| Service charges on deposit accounts | $180,000 | 3,727 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,932,000 | 884 |
| Total noninterest expense | $6,341,000 | 1,448 |
| Salaries and employee benefits | $3,835,000 | 1,335 |
| Premises and equipment expense | $866,000 | 1,553 |
| Additional noninterest expense | $1,640,000 | 1,653 |
| Pre-tax net operating income | $2,366,000 | 1,892 |
| Securities gains (losses) | $-13,000 | 8,051 |
| Applicable income taxes | $533,000 | 1,973 |
| Income before extraordinary items | $1,820,000 | 1,902 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,820,000 | 1,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $309,000 | 1,018 |
| Cash dividends | $700,000 | 1,963 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 843 |
| Net operating income | $1,830,010 | 1,868 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,108,000 | 1,311 |
| Total interest expense | $4,904,000 | 1,007 |
| Net interest income | $3,204,000 | 1,794 |
| Provision for loan and lease losses | $50,000 | 3,068 |
| Total noninterest income | $1,189,000 | 1,147 |
| Gross Fiduciary activities income | $87,000 | 692 |
| Service charges on deposit accounts | $88,000 | 3,710 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,014,000 | 828 |
| Total noninterest expense | $3,236,000 | 1,433 |
| Salaries and employee benefits | $2,035,000 | 1,268 |
| Premises and equipment expense | $426,000 | 1,575 |
| Additional noninterest expense | $775,000 | 1,732 |
| Pre-tax net operating income | $1,107,000 | 1,994 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $256,000 | 2,058 |
| Income before extraordinary items | $851,000 | 1,955 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $851,000 | 1,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 872 |
| Cash dividends | $350,000 | 1,794 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 701 |
| Net operating income | $851,000 | 1,947 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $31,475,000 | 1,248 |
| Total interest expense | $18,039,000 | 926 |
| Net interest income | $13,436,000 | 1,712 |
| Provision for loan and lease losses | $550,000 | 1,750 |
| Total noninterest income | $4,957,000 | 1,101 |
| Gross Fiduciary activities income | $289,000 | 725 |
| Service charges on deposit accounts | $357,000 | 3,776 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,311,000 | 758 |
| Total noninterest expense | $13,607,000 | 1,317 |
| Salaries and employee benefits | $8,319,000 | 1,171 |
| Premises and equipment expense | $1,777,000 | 1,447 |
| Additional noninterest expense | $3,511,000 | 1,504 |
| Pre-tax net operating income | $4,236,000 | 2,159 |
| Securities gains (losses) | $8,000 | 1,147 |
| Applicable income taxes | $960,000 | 2,253 |
| Income before extraordinary items | $3,284,000 | 2,115 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,284,000 | 2,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $315,000 | 1,610 |
| Cash dividends | $1,400,000 | 2,029 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 1,007 |
| Net operating income | $3,277,840 | 2,107 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $23,198,000 | 1,273 |
| Total interest expense | $13,033,000 | 935 |
| Net interest income | $10,165,000 | 1,710 |
| Provision for loan and lease losses | $250,000 | 2,440 |
| Total noninterest income | $3,785,000 | 1,097 |
| Gross Fiduciary activities income | $202,000 | 732 |
| Service charges on deposit accounts | $265,000 | 3,824 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,318,000 | 753 |
| Total noninterest expense | $9,976,000 | 1,354 |
| Salaries and employee benefits | $6,028,000 | 1,228 |
| Premises and equipment expense | $1,320,000 | 1,469 |
| Additional noninterest expense | $2,628,000 | 1,507 |
| Pre-tax net operating income | $3,724,000 | 1,956 |
| Securities gains (losses) | $-3,000 | 7,275 |
| Applicable income taxes | $880,000 | 2,052 |
| Income before extraordinary items | $2,841,000 | 1,925 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,841,000 | 1,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 2,061 |
| Cash dividends | $1,050,000 | 1,853 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 834 |
| Net operating income | $2,843,280 | 1,910 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $14,978,000 | 1,289 |
| Total interest expense | $8,190,000 | 944 |
| Net interest income | $6,788,000 | 1,711 |
| Provision for loan and lease losses | $175,000 | 2,349 |
| Total noninterest income | $2,516,000 | 1,099 |
| Gross Fiduciary activities income | $131,000 | 751 |
| Service charges on deposit accounts | $170,000 | 3,875 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,215,000 | 754 |
| Total noninterest expense | $6,581,000 | 1,371 |
| Salaries and employee benefits | $3,951,000 | 1,257 |
| Premises and equipment expense | $867,000 | 1,500 |
| Additional noninterest expense | $1,763,000 | 1,506 |
| Pre-tax net operating income | $2,548,000 | 1,918 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $615,000 | 2,021 |
| Income before extraordinary items | $1,933,000 | 1,891 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,933,000 | 1,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 1,900 |
| Cash dividends | $700,000 | 1,877 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 715 |
| Net operating income | $1,933,000 | 1,875 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,114,000 | 1,327 |
| Total interest expense | $3,771,000 | 969 |
| Net interest income | $3,343,000 | 1,722 |
| Provision for loan and lease losses | $50,000 | 3,099 |
| Total noninterest income | $1,211,000 | 1,118 |
| Gross Fiduciary activities income | $67,000 | 754 |
| Service charges on deposit accounts | $82,000 | 3,884 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,062,000 | 767 |
| Total noninterest expense | $3,216,000 | 1,403 |
| Salaries and employee benefits | $1,998,000 | 1,240 |
| Premises and equipment expense | $445,000 | 1,464 |
| Additional noninterest expense | $773,000 | 1,692 |
| Pre-tax net operating income | $1,288,000 | 1,859 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $316,000 | 1,950 |
| Income before extraordinary items | $972,000 | 1,844 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $972,000 | 1,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 1,837 |
| Cash dividends | $350,000 | 1,768 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 535 |
| Net operating income | $972,000 | 1,825 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $24,230,000 | 1,386 |
| Total interest expense | $10,876,000 | 1,029 |
| Net interest income | $13,354,000 | 1,638 |
| Provision for loan and lease losses | $100,000 | 4,800 |
| Total noninterest income | $4,772,000 | 1,123 |
| Gross Fiduciary activities income | $133,000 | 890 |
| Service charges on deposit accounts | $297,000 | 4,210 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,342,000 | 751 |
| Total noninterest expense | $12,179,000 | 1,405 |
| Salaries and employee benefits | $7,168,000 | 1,294 |
| Premises and equipment expense | $1,551,000 | 1,573 |
| Additional noninterest expense | $3,460,000 | 1,468 |
| Pre-tax net operating income | $5,847,000 | 1,609 |
| Securities gains (losses) | $56,000 | 885 |
| Applicable income taxes | $1,740,000 | 1,523 |
| Income before extraordinary items | $4,163,000 | 1,687 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,163,000 | 1,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-103,000 | 8,633 |
| Cash dividends | $1,175,000 | 2,194 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 789 |
| Net operating income | $4,123,240 | 1,676 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $17,587,000 | 1,382 |
| Total interest expense | $7,636,000 | 1,034 |
| Net interest income | $9,951,000 | 1,635 |
| Provision for loan and lease losses | $100,000 | 4,154 |
| Total noninterest income | $3,457,000 | 1,154 |
| Gross Fiduciary activities income | $69,000 | 945 |
| Service charges on deposit accounts | $221,000 | 4,251 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,167,000 | 775 |
| Total noninterest expense | $8,901,000 | 1,437 |
| Salaries and employee benefits | $5,283,000 | 1,313 |
| Premises and equipment expense | $1,113,000 | 1,627 |
| Additional noninterest expense | $2,505,000 | 1,503 |
| Pre-tax net operating income | $4,407,000 | 1,621 |
| Securities gains (losses) | $57,000 | 829 |
| Applicable income taxes | $1,333,000 | 1,514 |
| Income before extraordinary items | $3,131,000 | 1,685 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,131,000 | 1,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-194,000 | 8,744 |
| Cash dividends | $825,000 | 2,080 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 642 |
| Net operating income | $3,091,100 | 1,671 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,329,000 | 1,389 |
| Total interest expense | $4,729,000 | 1,052 |
| Net interest income | $6,600,000 | 1,627 |
| Provision for loan and lease losses | $100,000 | 3,338 |
| Total noninterest income | $2,075,000 | 1,233 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $148,000 | 4,183 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,927,000 | 833 |
| Total noninterest expense | $5,613,000 | 1,508 |
| Salaries and employee benefits | $3,297,000 | 1,395 |
| Premises and equipment expense | $723,000 | 1,658 |
| Additional noninterest expense | $1,593,000 | 1,560 |
| Pre-tax net operating income | $2,962,000 | 1,571 |
| Securities gains (losses) | $49,000 | 786 |
| Applicable income taxes | $909,000 | 1,471 |
| Income before extraordinary items | $2,102,000 | 1,634 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,102,000 | 1,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-397,000 | 8,815 |
| Cash dividends | $550,000 | 2,062 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 549 |
| Net operating income | $2,067,700 | 1,625 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,427,000 | 1,418 |
| Total interest expense | $2,174,000 | 1,079 |
| Net interest income | $3,253,000 | 1,643 |
| Provision for loan and lease losses | $100,000 | 2,031 |
| Total noninterest income | $918,000 | 1,336 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $70,000 | 4,265 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $848,000 | 905 |
| Total noninterest expense | $2,678,000 | 1,587 |
| Salaries and employee benefits | $1,644,000 | 1,404 |
| Premises and equipment expense | $341,000 | 1,757 |
| Additional noninterest expense | $693,000 | 1,785 |
| Pre-tax net operating income | $1,393,000 | 1,634 |
| Securities gains (losses) | $30,000 | 675 |
| Applicable income taxes | $431,000 | 1,531 |
| Income before extraordinary items | $992,000 | 1,689 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $992,000 | 1,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 1,893 |
| Cash dividends | $313,000 | 1,687 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 419 |
| Net operating income | $971,000 | 1,699 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $19,725,000 | 1,458 |
| Total interest expense | $7,416,000 | 1,094 |
| Net interest income | $12,309,000 | 1,653 |
| Provision for loan and lease losses | $2,000,000 | 543 |
| Total noninterest income | $6,353,000 | 867 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $298,000 | 4,328 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,055,000 | 574 |
| Total noninterest expense | $12,530,000 | 1,313 |
| Salaries and employee benefits | $7,443,000 | 1,164 |
| Premises and equipment expense | $1,375,000 | 1,694 |
| Additional noninterest expense | $3,712,000 | 1,339 |
| Pre-tax net operating income | $4,132,000 | 2,004 |
| Securities gains (losses) | $191,000 | 850 |
| Applicable income taxes | $1,234,000 | 1,864 |
| Income before extraordinary items | $3,089,000 | 2,028 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,089,000 | 2,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,196,000 | 427 |
| Cash dividends | $760,000 | 2,803 |
| Sale, conversion, retirement of capital stock, net | $66,000 | 710 |
| Net operating income | $2,953,390 | 2,060 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $14,558,000 | 1,475 |
| Total interest expense | $5,500,000 | 1,085 |
| Net interest income | $9,058,000 | 1,670 |
| Provision for loan and lease losses | $1,850,000 | 439 |
| Total noninterest income | $4,950,000 | 852 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $217,000 | 4,428 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,733,000 | 567 |
| Total noninterest expense | $9,508,000 | 1,294 |
| Salaries and employee benefits | $5,647,000 | 1,144 |
| Premises and equipment expense | $1,076,000 | 1,625 |
| Additional noninterest expense | $2,785,000 | 1,331 |
| Pre-tax net operating income | $2,650,000 | 2,274 |
| Securities gains (losses) | $172,000 | 842 |
| Applicable income taxes | $771,000 | 2,158 |
| Income before extraordinary items | $2,051,000 | 2,269 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,051,000 | 2,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,047,000 | 350 |
| Cash dividends | $610,000 | 2,380 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 586 |
| Net operating income | $1,925,440 | 2,344 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,567,000 | 1,482 |
| Total interest expense | $3,630,000 | 1,077 |
| Net interest income | $5,937,000 | 1,689 |
| Provision for loan and lease losses | $1,600,000 | 368 |
| Total noninterest income | $3,203,000 | 870 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $138,000 | 4,532 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,065,000 | 591 |
| Total noninterest expense | $6,228,000 | 1,311 |
| Salaries and employee benefits | $3,616,000 | 1,204 |
| Premises and equipment expense | $694,000 | 1,663 |
| Additional noninterest expense | $1,918,000 | 1,271 |
| Pre-tax net operating income | $1,312,000 | 2,890 |
| Securities gains (losses) | $120,000 | 922 |
| Applicable income taxes | $364,000 | 2,732 |
| Income before extraordinary items | $1,068,000 | 2,779 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,068,000 | 2,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,910,000 | 271 |
| Cash dividends | $460,000 | 2,262 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 503 |
| Net operating income | $978,000 | 2,904 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,664,000 | 1,519 |
| Total interest expense | $1,788,000 | 1,119 |
| Net interest income | $2,876,000 | 1,734 |
| Provision for loan and lease losses | $125,000 | 1,741 |
| Total noninterest income | $1,463,000 | 931 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $68,000 | 4,481 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,395,000 | 618 |
| Total noninterest expense | $3,316,000 | 1,231 |
| Salaries and employee benefits | $1,761,000 | 1,260 |
| Premises and equipment expense | $340,000 | 1,711 |
| Additional noninterest expense | $1,215,000 | 1,013 |
| Pre-tax net operating income | $898,000 | 2,199 |
| Securities gains (losses) | $137,000 | 658 |
| Applicable income taxes | $299,000 | 1,938 |
| Income before extraordinary items | $736,000 | 2,080 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $736,000 | 2,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $230,000 | 2,021 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 387 |
| Net operating income | $638,730 | 2,276 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $16,420,000 | 1,738 |
| Total interest expense | $6,574,000 | 1,351 |
| Net interest income | $9,846,000 | 1,988 |
| Provision for loan and lease losses | $275,000 | 3,362 |
| Total noninterest income | $8,004,000 | 781 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $235,000 | 4,893 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $7,769,000 | 545 |
| Total noninterest expense | $14,008,000 | 1,156 |
| Salaries and employee benefits | $9,181,000 | 930 |
| Premises and equipment expense | $1,163,000 | 1,957 |
| Additional noninterest expense | $3,664,000 | 1,352 |
| Pre-tax net operating income | $3,567,000 | 2,184 |
| Securities gains (losses) | $417,000 | 845 |
| Applicable income taxes | $1,193,000 | 1,946 |
| Income before extraordinary items | $2,791,000 | 2,180 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,791,000 | 2,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,437 |
| Cash dividends | $920,000 | 2,471 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 727 |
| Net operating income | $2,499,100 | 2,267 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $11,846,000 | 1,833 |
| Total interest expense | $4,893,000 | 1,425 |
| Net interest income | $6,953,000 | 2,120 |
| Provision for loan and lease losses | $125,000 | 4,278 |
| Total noninterest income | $6,096,000 | 799 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $163,000 | 5,107 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,933,000 | 564 |
| Total noninterest expense | $10,405,000 | 1,174 |
| Salaries and employee benefits | $6,948,000 | 937 |
| Premises and equipment expense | $807,000 | 2,121 |
| Additional noninterest expense | $2,650,000 | 1,391 |
| Pre-tax net operating income | $2,519,000 | 2,371 |
| Securities gains (losses) | $418,000 | 770 |
| Applicable income taxes | $897,000 | 2,028 |
| Income before extraordinary items | $2,040,000 | 2,286 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,040,000 | 2,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 4,290 |
| Cash dividends | $690,000 | 2,201 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 588 |
| Net operating income | $1,751,580 | 2,486 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,886,000 | 1,861 |
| Total interest expense | $3,325,000 | 1,453 |
| Net interest income | $4,561,000 | 2,140 |
| Provision for loan and lease losses | $75,000 | 4,385 |
| Total noninterest income | $3,834,000 | 820 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $107,000 | 5,112 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,727,000 | 578 |
| Total noninterest expense | $6,814,000 | 1,192 |
| Salaries and employee benefits | $4,480,000 | 965 |
| Premises and equipment expense | $541,000 | 2,103 |
| Additional noninterest expense | $1,793,000 | 1,373 |
| Pre-tax net operating income | $1,506,000 | 2,583 |
| Securities gains (losses) | $407,000 | 657 |
| Applicable income taxes | $595,000 | 2,056 |
| Income before extraordinary items | $1,318,000 | 2,355 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,318,000 | 2,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,051 |
| Cash dividends | $460,000 | 2,267 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 486 |
| Net operating income | $1,037,170 | 2,733 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,854,000 | 1,910 |
| Total interest expense | $1,653,000 | 1,502 |
| Net interest income | $2,201,000 | 2,220 |
| Provision for loan and lease losses | $50,000 | 3,651 |
| Total noninterest income | $1,364,000 | 1,050 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $51,000 | 5,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,313,000 | 726 |
| Total noninterest expense | $2,793,000 | 1,432 |
| Salaries and employee benefits | $1,834,000 | 1,158 |
| Premises and equipment expense | $264,000 | 2,150 |
| Additional noninterest expense | $695,000 | 1,695 |
| Pre-tax net operating income | $722,000 | 2,676 |
| Securities gains (losses) | $154,000 | 782 |
| Applicable income taxes | $265,000 | 2,235 |
| Income before extraordinary items | $611,000 | 2,503 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $611,000 | 2,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,384 |
| Cash dividends | $230,000 | 2,063 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 343 |
| Net operating income | $503,200 | 2,791 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $14,955,000 | 2,057 |
| Total interest expense | $6,294,000 | 1,815 |
| Net interest income | $8,661,000 | 2,234 |
| Provision for loan and lease losses | $755,000 | 1,721 |
| Total noninterest income | $5,254,000 | 1,009 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $213,000 | 5,064 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,041,000 | 685 |
| Total noninterest expense | $10,132,000 | 1,528 |
| Salaries and employee benefits | $6,354,000 | 1,279 |
| Premises and equipment expense | $1,082,000 | 2,025 |
| Additional noninterest expense | $2,696,000 | 1,741 |
| Pre-tax net operating income | $3,028,000 | 2,488 |
| Securities gains (losses) | $262,000 | 993 |
| Applicable income taxes | $1,049,000 | 2,136 |
| Income before extraordinary items | $2,241,000 | 2,559 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,241,000 | 2,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 2,319 |
| Cash dividends | $645,000 | 3,028 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 706 |
| Net operating income | $2,062,840 | 2,641 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,534,000 | 2,206 |
| Total interest expense | $8,050,000 | 2,008 |
| Net interest income | $7,484,000 | 2,396 |
| Provision for loan and lease losses | $475,000 | 2,312 |
| Total noninterest income | $1,498,000 | 2,510 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $258,000 | 4,566 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,240,000 | 1,755 |
| Total noninterest expense | $6,115,000 | 2,339 |
| Salaries and employee benefits | $3,177,000 | 2,365 |
| Premises and equipment expense | $863,000 | 2,453 |
| Additional noninterest expense | $2,075,000 | 2,164 |
| Pre-tax net operating income | $2,392,000 | 2,757 |
| Securities gains (losses) | $285,000 | 919 |
| Applicable income taxes | $907,000 | 2,230 |
| Income before extraordinary items | $1,770,000 | 2,840 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,770,000 | 2,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 2,867 |
| Cash dividends | $300,000 | 4,357 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 754 |
| Net operating income | $1,581,900 | 3,001 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,680,000 | 2,110 |
| Total interest expense | $8,920,000 | 1,939 |
| Net interest income | $7,760,000 | 2,284 |
| Provision for loan and lease losses | $855,000 | 1,206 |
| Total noninterest income | $575,000 | 4,515 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $268,000 | 4,336 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $307,000 | 3,864 |
| Total noninterest expense | $5,159,000 | 2,643 |
| Salaries and employee benefits | $2,143,000 | 3,277 |
| Premises and equipment expense | $725,000 | 2,794 |
| Additional noninterest expense | $2,291,000 | 1,904 |
| Pre-tax net operating income | $2,321,000 | 2,949 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $846,000 | 2,413 |
| Income before extraordinary items | $1,475,000 | 3,304 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,475,000 | 3,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,160 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 768 |
| Net operating income | $1,475,000 | 3,295 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,549,000 | 2,594 |
| Total interest expense | $6,532,000 | 2,257 |
| Net interest income | $6,017,000 | 2,926 |
| Provision for loan and lease losses | $851,000 | 1,122 |
| Total noninterest income | $643,000 | 4,230 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $280,000 | 4,180 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $363,000 | 3,628 |
| Total noninterest expense | $4,314,000 | 3,087 |
| Salaries and employee benefits | $1,755,000 | 3,827 |
| Premises and equipment expense | $568,000 | 3,415 |
| Additional noninterest expense | $1,991,000 | 2,197 |
| Pre-tax net operating income | $1,495,000 | 4,098 |
| Securities gains (losses) | $11,000 | 1,705 |
| Applicable income taxes | $549,000 | 3,434 |
| Income before extraordinary items | $957,000 | 4,558 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $957,000 | 4,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $254,000 | 2,058 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $-471,000 | 10,148 |
| Net operating income | $949,960 | 4,542 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,982,000 | 3,545 |
| Total interest expense | $5,096,000 | 2,950 |
| Net interest income | $3,886,000 | 4,220 |
| Provision for loan and lease losses | $530,000 | 1,644 |
| Total noninterest income | $421,000 | 5,450 |
| 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 | $248,000 | 4,451 |
| Total noninterest expense | $3,469,000 | 3,638 |
| Salaries and employee benefits | $1,665,000 | 3,909 |
| Premises and equipment expense | $512,000 | 3,623 |
| Additional noninterest expense | $1,292,000 | 3,150 |
| Pre-tax net operating income | $308,000 | 8,343 |
| Securities gains (losses) | $22,000 | 2,353 |
| Applicable income taxes | $-692,000 | 10,408 |
| Income before extraordinary items | $1,022,000 | 4,436 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,022,000 | 4,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,000,000 | 4,424 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,949,000 | 6,705 |
| Total interest expense | $2,290,000 | 5,731 |
| Net interest income | $1,659,000 | 7,639 |
| Provision for loan and lease losses | $710,000 | 1,316 |
| Total noninterest income | $184,000 | 8,064 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 7,983 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 6,329 |
| Total noninterest expense | $3,027,000 | 4,065 |
| Salaries and employee benefits | $1,389,000 | 4,537 |
| Premises and equipment expense | $565,000 | 3,333 |
| Additional noninterest expense | $1,073,000 | 3,664 |
| Pre-tax net operating income | $-1,894,000 | 10,894 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-1,894,000 | 10,887 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-1,894,000 | 10,887 |
| 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 | $-1,894,000 | 10,878 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $158,000 | 11,387 |
| Total interest expense | $99,000 | 11,333 |
| Net interest income | $59,000 | 11,420 |
| Provision for loan and lease losses | $90,000 | 5,326 |
| Total noninterest income | $4,000 | 11,362 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,883 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 11,282 |
| Total noninterest expense | $551,000 | 10,395 |
| Salaries and employee benefits | $222,000 | 10,892 |
| Premises and equipment expense | $119,000 | 8,811 |
| Additional noninterest expense | $210,000 | 9,825 |
| Pre-tax net operating income | $-578,000 | 11,271 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-578,000 | 11,291 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-578,000 | 11,291 |
| 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 | $7,500,000 | 82 |
| Net operating income | $-578,000 | 11,267 |
* 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.