Home > Community National Bank > Income and Expense
Community National Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $4,629,000 | 3,819 |
| Total interest expense | $590,000 | 4,272 |
| Net interest income | $4,039,000 | 3,683 |
| Provision for loan and lease losses | $880,000 | 1,606 |
| Total noninterest income | $463,000 | 4,154 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $357,000 | 2,613 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $106,000 | 5,062 |
| Total noninterest expense | $5,221,000 | 2,675 |
| Salaries and employee benefits | $2,280,000 | 3,117 |
| Premises and equipment expense | $642,000 | 2,631 |
| Additional noninterest expense | $2,299,000 | 2,115 |
| Pre-tax net operating income | $-1,599,000 | 6,934 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $-605,000 | 7,055 |
| Income before extraordinary items | $-994,000 | 6,883 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-994,000 | 6,880 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-994,000 | 6,881 |
| Net charge-offs | $1,107,000 | 1,359 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $936,000 | 176 |
| Net operating income | $-994,000 | 6,848 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,079,000 | 3,854 |
| Total interest expense | $410,000 | 4,279 |
| Net interest income | $2,669,000 | 3,721 |
| Provision for loan and lease losses | $710,000 | 1,406 |
| Total noninterest income | $288,000 | 4,296 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $243,000 | 2,539 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $45,000 | 5,550 |
| Total noninterest expense | $2,358,000 | 3,671 |
| Salaries and employee benefits | $1,136,000 | 3,837 |
| Premises and equipment expense | $422,000 | 2,660 |
| Additional noninterest expense | $800,000 | 3,659 |
| Pre-tax net operating income | $-111,000 | 6,540 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $-72,000 | 6,987 |
| Income before extraordinary items | $-39,000 | 6,557 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-39,000 | 6,556 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-39,000 | 6,556 |
| Net charge-offs | $975,000 | 1,155 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $484,000 | 172 |
| Net operating income | $-39,000 | 6,443 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,542,000 | 3,899 |
| Total interest expense | $215,000 | 4,278 |
| Net interest income | $1,327,000 | 3,760 |
| Provision for loan and lease losses | $10,000 | 4,833 |
| Total noninterest income | $146,000 | 4,290 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $125,000 | 2,469 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $21,000 | 5,676 |
| Total noninterest expense | $1,176,000 | 3,687 |
| Salaries and employee benefits | $573,000 | 3,840 |
| Premises and equipment expense | $211,000 | 2,689 |
| Additional noninterest expense | $392,000 | 3,686 |
| Pre-tax net operating income | $287,000 | 3,918 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $87,000 | 2,573 |
| Income before extraordinary items | $200,000 | 4,386 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $200,000 | 4,389 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $200,000 | 4,389 |
| Net charge-offs | $-7,000 | 6,510 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 345 |
| Net operating income | $200,000 | 4,229 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $7,344,000 | 3,560 |
| Total interest expense | $1,140,000 | 4,093 |
| Net interest income | $6,204,000 | 3,384 |
| Provision for loan and lease losses | $500,000 | 3,454 |
| Total noninterest income | $913,000 | 3,271 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $576,000 | 2,314 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $337,000 | 3,686 |
| Total noninterest expense | $5,643,000 | 3,206 |
| Salaries and employee benefits | $2,462,000 | 3,601 |
| Premises and equipment expense | $1,043,000 | 2,328 |
| Additional noninterest expense | $2,138,000 | 2,946 |
| Pre-tax net operating income | $974,000 | 3,774 |
| Securities gains (losses) | $36,000 | 2,789 |
| Applicable income taxes | $320,000 | 2,478 |
| Income before extraordinary items | $690,000 | 4,179 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $690,000 | 4,182 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $690,000 | 4,182 |
| Net charge-offs | $682,000 | 2,813 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 829 |
| Net operating income | $665,520 | 4,106 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,841,000 | 3,436 |
| Total interest expense | $908,000 | 4,077 |
| Net interest income | $4,933,000 | 3,243 |
| Provision for loan and lease losses | $500,000 | 2,879 |
| Total noninterest income | $966,000 | 2,673 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $453,000 | 2,244 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $513,000 | 2,666 |
| Total noninterest expense | $4,528,000 | 3,041 |
| Salaries and employee benefits | $1,923,000 | 3,496 |
| Premises and equipment expense | $891,000 | 2,096 |
| Additional noninterest expense | $1,714,000 | 2,794 |
| Pre-tax net operating income | $871,000 | 3,561 |
| Securities gains (losses) | $28,000 | 2,663 |
| Applicable income taxes | $215,000 | 2,589 |
| Income before extraordinary items | $684,000 | 3,801 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $684,000 | 3,802 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $684,000 | 3,802 |
| Net charge-offs | $683,000 | 2,310 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 725 |
| Net operating income | $662,720 | 3,743 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,043,000 | 3,362 |
| Total interest expense | $646,000 | 4,007 |
| Net interest income | $3,397,000 | 3,176 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $296,000 | 4,130 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $322,000 | 2,112 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-26,000 | 7,085 |
| Total noninterest expense | $3,189,000 | 2,934 |
| Salaries and employee benefits | $1,333,000 | 3,413 |
| Premises and equipment expense | $824,000 | 1,527 |
| Additional noninterest expense | $1,032,000 | 3,126 |
| Pre-tax net operating income | $504,000 | 3,805 |
| Securities gains (losses) | $28,000 | 1,915 |
| Applicable income taxes | $126,000 | 2,666 |
| Income before extraordinary items | $406,000 | 3,950 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $406,000 | 3,951 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $406,000 | 3,952 |
| Net charge-offs | $246,000 | 2,903 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 569 |
| Net operating income | $384,720 | 3,961 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,011,000 | 3,394 |
| Total interest expense | $329,000 | 4,065 |
| Net interest income | $1,682,000 | 3,190 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $185,000 | 3,749 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $156,000 | 2,143 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $29,000 | 5,437 |
| Total noninterest expense | $1,573,000 | 2,976 |
| Salaries and employee benefits | $668,000 | 3,441 |
| Premises and equipment expense | $385,000 | 1,672 |
| Additional noninterest expense | $520,000 | 3,078 |
| Pre-tax net operating income | $294,000 | 3,564 |
| Securities gains (losses) | $4,000 | 1,490 |
| Applicable income taxes | $79,000 | 2,441 |
| Income before extraordinary items | $219,000 | 3,822 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $219,000 | 3,820 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $219,000 | 3,822 |
| Net charge-offs | $-2,000 | 6,441 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 380 |
| Net operating income | $216,080 | 3,792 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,916,000 | 3,585 |
| Total interest expense | $1,661,000 | 4,029 |
| Net interest income | $6,255,000 | 3,365 |
| Provision for loan and lease losses | $598,000 | 3,871 |
| Total noninterest income | $-375,000 | 7,467 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $648,000 | 2,165 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-1,023,000 | 7,491 |
| Total noninterest expense | $6,189,000 | 3,031 |
| Salaries and employee benefits | $2,898,000 | 3,209 |
| Premises and equipment expense | $1,181,000 | 2,130 |
| Additional noninterest expense | $2,110,000 | 3,118 |
| Pre-tax net operating income | $-907,000 | 6,437 |
| Securities gains (losses) | $18,000 | 3,151 |
| Applicable income taxes | $-352,000 | 7,091 |
| Income before extraordinary items | $-537,000 | 6,385 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-537,000 | 6,386 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-537,000 | 6,386 |
| Net charge-offs | $134,000 | 5,158 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 903 |
| Net operating income | $-548,520 | 6,349 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,910,000 | 3,668 |
| Total interest expense | $1,293,000 | 4,076 |
| Net interest income | $4,617,000 | 3,457 |
| Provision for loan and lease losses | $258,000 | 4,547 |
| Total noninterest income | $-586,000 | 7,652 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $470,000 | 2,267 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-1,056,000 | 7,662 |
| Total noninterest expense | $4,752,000 | 2,966 |
| Salaries and employee benefits | $2,273,000 | 3,109 |
| Premises and equipment expense | $905,000 | 2,115 |
| Additional noninterest expense | $1,574,000 | 3,076 |
| Pre-tax net operating income | $-979,000 | 6,782 |
| Securities gains (losses) | $18,000 | 2,932 |
| Applicable income taxes | $-366,000 | 7,309 |
| Income before extraordinary items | $-595,000 | 6,724 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-595,000 | 6,725 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-595,000 | 6,725 |
| Net charge-offs | $65,000 | 5,312 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 806 |
| Net operating income | $-606,520 | 6,673 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,900,000 | 3,718 |
| Total interest expense | $877,000 | 4,129 |
| Net interest income | $3,023,000 | 3,492 |
| Provision for loan and lease losses | $143,000 | 4,711 |
| Total noninterest income | $117,000 | 5,863 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $301,000 | 2,350 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-184,000 | 7,595 |
| Total noninterest expense | $3,275,000 | 2,887 |
| Salaries and employee benefits | $1,593,000 | 2,975 |
| Premises and equipment expense | $608,000 | 2,128 |
| Additional noninterest expense | $1,074,000 | 3,009 |
| Pre-tax net operating income | $-278,000 | 6,540 |
| Securities gains (losses) | $18,000 | 2,397 |
| Applicable income taxes | $-116,000 | 7,224 |
| Income before extraordinary items | $-144,000 | 6,487 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-144,000 | 6,489 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-144,000 | 6,487 |
| Net charge-offs | $63,000 | 4,678 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 636 |
| Net operating income | $-155,520 | 6,445 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,914,000 | 3,836 |
| Total interest expense | $446,000 | 4,214 |
| Net interest income | $1,468,000 | 3,615 |
| Provision for loan and lease losses | $40,000 | 5,088 |
| Total noninterest income | $179,000 | 3,907 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $155,000 | 2,283 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $24,000 | 5,720 |
| Total noninterest expense | $1,626,000 | 2,929 |
| Salaries and employee benefits | $818,000 | 2,954 |
| Premises and equipment expense | $302,000 | 2,191 |
| Additional noninterest expense | $506,000 | 3,154 |
| Pre-tax net operating income | $-19,000 | 6,369 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-20,000 | 7,194 |
| Income before extraordinary items | $1,000 | 6,374 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,000 | 6,376 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $1,000 | 6,375 |
| Net charge-offs | $42,000 | 3,871 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 402 |
| Net operating income | $1,000 | 6,266 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,809,000 | 3,880 |
| Total interest expense | $2,320,000 | 4,079 |
| Net interest income | $5,489,000 | 3,702 |
| Provision for loan and lease losses | $449,000 | 4,717 |
| Total noninterest income | $592,000 | 4,398 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $561,000 | 2,662 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $31,000 | 6,716 |
| Total noninterest expense | $5,690,000 | 3,313 |
| Salaries and employee benefits | $2,651,000 | 3,538 |
| Premises and equipment expense | $1,129,000 | 2,337 |
| Additional noninterest expense | $1,910,000 | 3,438 |
| Pre-tax net operating income | $-58,000 | 5,523 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-64,000 | 6,490 |
| Income before extraordinary items | $6,000 | 5,513 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,000 | 5,511 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $6,000 | 5,511 |
| Net charge-offs | $191,000 | 5,059 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 1,199 |
| Net operating income | $6,000 | 5,456 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,859,000 | 3,938 |
| Total interest expense | $1,815,000 | 4,104 |
| Net interest income | $4,044,000 | 3,764 |
| Provision for loan and lease losses | $354,000 | 4,363 |
| Total noninterest income | $485,000 | 4,283 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $417,000 | 2,687 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $68,000 | 5,894 |
| Total noninterest expense | $4,222,000 | 3,352 |
| Salaries and employee benefits | $1,986,000 | 3,557 |
| Premises and equipment expense | $871,000 | 2,300 |
| Additional noninterest expense | $1,365,000 | 3,526 |
| Pre-tax net operating income | $-47,000 | 5,785 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-42,000 | 6,792 |
| Income before extraordinary items | $-5,000 | 5,785 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-5,000 | 5,785 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-5,000 | 5,785 |
| Net charge-offs | $63,000 | 5,499 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 1,081 |
| Net operating income | $-5,000 | 5,721 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,889,000 | 3,985 |
| Total interest expense | $1,258,000 | 4,126 |
| Net interest income | $2,631,000 | 3,800 |
| Provision for loan and lease losses | $313,000 | 3,630 |
| Total noninterest income | $322,000 | 4,295 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $278,000 | 2,655 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $44,000 | 5,993 |
| Total noninterest expense | $2,804,000 | 3,396 |
| Salaries and employee benefits | $1,314,000 | 3,629 |
| Premises and equipment expense | $571,000 | 2,354 |
| Additional noninterest expense | $919,000 | 3,498 |
| Pre-tax net operating income | $-164,000 | 6,211 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-59,000 | 7,039 |
| Income before extraordinary items | $-105,000 | 6,200 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-105,000 | 6,199 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-105,000 | 6,199 |
| Net charge-offs | $62,000 | 4,721 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 993 |
| Net operating income | $-105,000 | 6,163 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,951,000 | 4,011 |
| Total interest expense | $647,000 | 4,163 |
| Net interest income | $1,304,000 | 3,823 |
| Provision for loan and lease losses | $62,000 | 4,596 |
| Total noninterest income | $163,000 | 4,223 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $143,000 | 2,568 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $20,000 | 6,167 |
| Total noninterest expense | $1,366,000 | 3,389 |
| Salaries and employee benefits | $661,000 | 3,642 |
| Premises and equipment expense | $277,000 | 2,466 |
| Additional noninterest expense | $428,000 | 3,396 |
| Pre-tax net operating income | $39,000 | 5,772 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $14,000 | 3,806 |
| Income before extraordinary items | $25,000 | 6,078 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $25,000 | 6,080 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $25,000 | 6,080 |
| Net charge-offs | $8,000 | 4,870 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 752 |
| Net operating income | $25,000 | 5,913 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,800,000 | 4,206 |
| Total interest expense | $3,162,000 | 4,103 |
| Net interest income | $4,638,000 | 4,148 |
| Provision for loan and lease losses | $208,000 | 5,162 |
| Total noninterest income | $801,000 | 3,874 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $616,000 | 2,599 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $185,000 | 4,964 |
| Total noninterest expense | $5,155,000 | 3,478 |
| Salaries and employee benefits | $2,604,000 | 3,659 |
| Premises and equipment expense | $1,045,000 | 2,522 |
| Additional noninterest expense | $1,506,000 | 3,604 |
| Pre-tax net operating income | $76,000 | 6,097 |
| Securities gains (losses) | $39,000 | 1,771 |
| Applicable income taxes | $14,000 | 4,427 |
| Income before extraordinary items | $101,000 | 5,855 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $101,000 | 5,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 4,329 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $67,000 | 1,071 |
| Net operating income | $66,680 | 6,134 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,825,000 | 4,282 |
| Total interest expense | $2,441,000 | 4,143 |
| Net interest income | $3,384,000 | 4,242 |
| Provision for loan and lease losses | $73,000 | 5,533 |
| Total noninterest income | $625,000 | 3,883 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $466,000 | 2,594 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $159,000 | 4,856 |
| Total noninterest expense | $3,854,000 | 3,471 |
| Salaries and employee benefits | $1,948,000 | 3,696 |
| Premises and equipment expense | $764,000 | 2,598 |
| Additional noninterest expense | $1,142,000 | 3,510 |
| Pre-tax net operating income | $82,000 | 6,467 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $2,000 | 5,168 |
| Income before extraordinary items | $80,000 | 6,277 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $80,000 | 6,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 3,413 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 919 |
| Net operating income | $80,000 | 6,424 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,881,000 | 4,338 |
| Total interest expense | $1,683,000 | 4,182 |
| Net interest income | $2,198,000 | 4,316 |
| Provision for loan and lease losses | $30,000 | 5,577 |
| Total noninterest income | $426,000 | 3,887 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $316,000 | 2,534 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $110,000 | 4,890 |
| Total noninterest expense | $2,540,000 | 3,525 |
| Salaries and employee benefits | $1,289,000 | 3,755 |
| Premises and equipment expense | $505,000 | 2,615 |
| Additional noninterest expense | $746,000 | 3,533 |
| Pre-tax net operating income | $54,000 | 6,654 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $8,000 | 5,072 |
| Income before extraordinary items | $46,000 | 6,724 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $46,000 | 6,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,854 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 740 |
| Net operating income | $46,000 | 6,660 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,976,000 | 4,362 |
| Total interest expense | $871,000 | 4,275 |
| Net interest income | $1,105,000 | 4,311 |
| Provision for loan and lease losses | $10,000 | 5,419 |
| Total noninterest income | $205,000 | 3,957 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $163,000 | 2,450 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $42,000 | 5,361 |
| Total noninterest expense | $1,274,000 | 3,532 |
| Salaries and employee benefits | $652,000 | 3,740 |
| Premises and equipment expense | $251,000 | 2,657 |
| Additional noninterest expense | $371,000 | 3,504 |
| Pre-tax net operating income | $26,000 | 6,901 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $5,000 | 5,114 |
| Income before extraordinary items | $21,000 | 7,008 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $21,000 | 7,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,393 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $21,000 | 6,919 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,749,000 | 4,451 |
| Total interest expense | $3,342,000 | 4,477 |
| Net interest income | $4,407,000 | 4,351 |
| Provision for loan and lease losses | $76,000 | 5,240 |
| Total noninterest income | $873,000 | 3,823 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $575,000 | 2,766 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $298,000 | 4,259 |
| Total noninterest expense | $4,850,000 | 3,530 |
| Salaries and employee benefits | $2,427,000 | 3,810 |
| Premises and equipment expense | $990,000 | 2,592 |
| Additional noninterest expense | $1,433,000 | 3,553 |
| Pre-tax net operating income | $354,000 | 6,419 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $106,000 | 4,440 |
| Income before extraordinary items | $248,000 | 6,618 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $248,000 | 6,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,564 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 1,103 |
| Net operating income | $248,000 | 6,601 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,731,000 | 4,518 |
| Total interest expense | $2,451,000 | 4,538 |
| Net interest income | $3,280,000 | 4,391 |
| Provision for loan and lease losses | $35,000 | 5,456 |
| Total noninterest income | $639,000 | 3,883 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $410,000 | 2,847 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $229,000 | 4,232 |
| Total noninterest expense | $3,617,000 | 3,528 |
| Salaries and employee benefits | $1,811,000 | 3,813 |
| Premises and equipment expense | $747,000 | 2,575 |
| Additional noninterest expense | $1,059,000 | 3,541 |
| Pre-tax net operating income | $267,000 | 6,695 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $68,000 | 4,744 |
| Income before extraordinary items | $199,000 | 6,808 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $199,000 | 6,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 3,675 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 942 |
| Net operating income | $199,000 | 6,793 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,733,000 | 4,599 |
| Total interest expense | $1,577,000 | 4,632 |
| Net interest income | $2,156,000 | 4,467 |
| Provision for loan and lease losses | $15,000 | 5,502 |
| Total noninterest income | $442,000 | 3,809 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $268,000 | 2,886 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $174,000 | 4,057 |
| Total noninterest expense | $2,347,000 | 3,634 |
| Salaries and employee benefits | $1,171,000 | 3,925 |
| Premises and equipment expense | $483,000 | 2,662 |
| Additional noninterest expense | $693,000 | 3,590 |
| Pre-tax net operating income | $236,000 | 6,436 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $72,000 | 4,453 |
| Income before extraordinary items | $164,000 | 6,635 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $164,000 | 6,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,811 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 833 |
| Net operating income | $164,000 | 6,626 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,836,000 | 4,647 |
| Total interest expense | $769,000 | 4,691 |
| Net interest income | $1,067,000 | 4,506 |
| Provision for loan and lease losses | $7,000 | 5,244 |
| Total noninterest income | $189,000 | 4,143 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $137,000 | 2,783 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $52,000 | 5,033 |
| Total noninterest expense | $1,103,000 | 3,823 |
| Salaries and employee benefits | $558,000 | 4,088 |
| Premises and equipment expense | $233,000 | 2,752 |
| Additional noninterest expense | $312,000 | 3,857 |
| Pre-tax net operating income | $146,000 | 6,101 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $43,000 | 4,278 |
| Income before extraordinary items | $103,000 | 6,350 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $103,000 | 6,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,538 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 581 |
| Net operating income | $103,000 | 6,331 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,796,000 | 4,649 |
| Total interest expense | $2,768,000 | 4,528 |
| Net interest income | $4,028,000 | 4,641 |
| Provision for loan and lease losses | $165,000 | 3,897 |
| Total noninterest income | $577,000 | 4,825 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $509,000 | 3,017 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $68,000 | 6,891 |
| Total noninterest expense | $3,835,000 | 4,110 |
| Salaries and employee benefits | $1,869,000 | 4,500 |
| Premises and equipment expense | $831,000 | 2,906 |
| Additional noninterest expense | $1,135,000 | 4,109 |
| Pre-tax net operating income | $605,000 | 6,172 |
| Securities gains (losses) | $-2,000 | 6,862 |
| Applicable income taxes | $-205,000 | 8,457 |
| Income before extraordinary items | $808,000 | 5,182 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $808,000 | 5,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,270 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $175,000 | 783 |
| Net operating income | $810,000 | 5,174 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,966,000 | 4,714 |
| Total interest expense | $2,013,000 | 4,534 |
| Net interest income | $2,953,000 | 4,740 |
| Provision for loan and lease losses | $115,000 | 3,881 |
| Total noninterest income | $395,000 | 5,042 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $367,000 | 3,122 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $28,000 | 7,587 |
| Total noninterest expense | $2,779,000 | 4,202 |
| Salaries and employee benefits | $1,338,000 | 4,618 |
| Premises and equipment expense | $594,000 | 3,030 |
| Additional noninterest expense | $847,000 | 4,099 |
| Pre-tax net operating income | $454,000 | 6,403 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $454,000 | 5,980 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $454,000 | 5,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,016 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $90,000 | 721 |
| Net operating income | $454,000 | 5,978 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,189,000 | 4,771 |
| Total interest expense | $1,282,000 | 4,512 |
| Net interest income | $1,907,000 | 4,858 |
| Provision for loan and lease losses | $70,000 | 3,903 |
| Total noninterest income | $257,000 | 5,083 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $237,000 | 3,174 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $20,000 | 7,559 |
| Total noninterest expense | $1,808,000 | 4,286 |
| Salaries and employee benefits | $863,000 | 4,759 |
| Premises and equipment expense | $390,000 | 3,071 |
| Additional noninterest expense | $555,000 | 4,157 |
| Pre-tax net operating income | $286,000 | 6,555 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $286,000 | 6,112 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $286,000 | 6,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,339 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $83,000 | 569 |
| Net operating income | $286,000 | 6,115 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,523,000 | 4,858 |
| Total interest expense | $598,000 | 4,581 |
| Net interest income | $925,000 | 4,936 |
| Provision for loan and lease losses | $35,000 | 3,693 |
| Total noninterest income | $132,000 | 4,983 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $119,000 | 3,096 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $13,000 | 7,271 |
| Total noninterest expense | $886,000 | 4,374 |
| Salaries and employee benefits | $417,000 | 4,880 |
| Premises and equipment expense | $191,000 | 3,125 |
| Additional noninterest expense | $278,000 | 4,143 |
| Pre-tax net operating income | $136,000 | 6,604 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $136,000 | 6,161 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $136,000 | 6,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $83,000 | 337 |
| Net operating income | $136,000 | 6,159 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,410,000 | 4,908 |
| Total interest expense | $2,077,000 | 4,324 |
| Net interest income | $3,333,000 | 5,155 |
| Provision for loan and lease losses | $90,000 | 4,964 |
| Total noninterest income | $447,000 | 5,491 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $394,000 | 3,587 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $53,000 | 7,317 |
| Total noninterest expense | $3,223,000 | 4,555 |
| Salaries and employee benefits | $1,545,000 | 4,952 |
| Premises and equipment expense | $640,000 | 3,460 |
| Additional noninterest expense | $1,038,000 | 4,293 |
| Pre-tax net operating income | $467,000 | 6,859 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-146,000 | 8,643 |
| Income before extraordinary items | $613,000 | 5,962 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $613,000 | 5,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 4,447 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $5,416,000 | 285 |
| Net operating income | $613,000 | 5,931 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,950,000 | 4,955 |
| Total interest expense | $1,517,000 | 4,256 |
| Net interest income | $2,433,000 | 5,258 |
| Provision for loan and lease losses | $68,000 | 4,836 |
| Total noninterest income | $337,000 | 5,510 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $279,000 | 3,733 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $58,000 | 6,825 |
| Total noninterest expense | $2,381,000 | 4,571 |
| Salaries and employee benefits | $1,156,000 | 4,935 |
| Premises and equipment expense | $458,000 | 3,599 |
| Additional noninterest expense | $767,000 | 4,318 |
| Pre-tax net operating income | $321,000 | 7,115 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $321,000 | 6,808 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $321,000 | 6,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,153 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $5,416,000 | 206 |
| Net operating income | $321,000 | 6,768 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,583,000 | 4,958 |
| Total interest expense | $980,000 | 4,195 |
| Net interest income | $1,603,000 | 5,285 |
| Provision for loan and lease losses | $57,000 | 4,394 |
| Total noninterest income | $211,000 | 5,621 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $173,000 | 3,824 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $38,000 | 6,863 |
| Total noninterest expense | $1,569,000 | 4,588 |
| Salaries and employee benefits | $766,000 | 4,949 |
| Premises and equipment expense | $301,000 | 3,616 |
| Additional noninterest expense | $502,000 | 4,364 |
| Pre-tax net operating income | $188,000 | 7,287 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $188,000 | 7,014 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $188,000 | 7,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,582 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $5,410,000 | 135 |
| Net operating income | $188,000 | 6,970 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,269,000 | 4,999 |
| Total interest expense | $474,000 | 4,175 |
| Net interest income | $795,000 | 5,341 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $106,000 | 5,559 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $85,000 | 3,795 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $21,000 | 6,763 |
| Total noninterest expense | $782,000 | 4,628 |
| Salaries and employee benefits | $376,000 | 5,035 |
| Premises and equipment expense | $153,000 | 3,594 |
| Additional noninterest expense | $253,000 | 4,329 |
| Pre-tax net operating income | $74,000 | 7,573 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $74,000 | 7,345 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $74,000 | 7,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $5,410,000 | 65 |
| Net operating income | $74,000 | 7,311 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,517,000 | 5,164 |
| Total interest expense | $1,703,000 | 4,140 |
| Net interest income | $2,814,000 | 5,623 |
| Provision for loan and lease losses | $185,000 | 3,829 |
| Total noninterest income | $329,000 | 6,214 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $267,000 | 4,590 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $62,000 | 7,147 |
| Total noninterest expense | $2,870,000 | 4,805 |
| Salaries and employee benefits | $1,374,000 | 5,244 |
| Premises and equipment expense | $585,000 | 3,606 |
| Additional noninterest expense | $911,000 | 4,647 |
| Pre-tax net operating income | $88,000 | 8,149 |
| Securities gains (losses) | $7,000 | 3,010 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $95,000 | 8,115 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $95,000 | 8,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,177 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 608 |
| Net operating income | $88,000 | 8,110 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,329,000 | 5,203 |
| Total interest expense | $1,248,000 | 4,151 |
| Net interest income | $2,081,000 | 5,665 |
| Provision for loan and lease losses | $159,000 | 3,435 |
| Total noninterest income | $245,000 | 6,255 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $197,000 | 4,676 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $48,000 | 7,110 |
| Total noninterest expense | $2,123,000 | 4,808 |
| Salaries and employee benefits | $1,017,000 | 5,265 |
| Premises and equipment expense | $435,000 | 3,639 |
| Additional noninterest expense | $671,000 | 4,681 |
| Pre-tax net operating income | $44,000 | 8,322 |
| Securities gains (losses) | $7,000 | 2,893 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $51,000 | 8,311 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $51,000 | 8,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 3,548 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 470 |
| Net operating income | $44,000 | 8,295 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,162,000 | 5,300 |
| Total interest expense | $822,000 | 4,200 |
| Net interest income | $1,340,000 | 5,767 |
| Provision for loan and lease losses | $108,000 | 3,351 |
| Total noninterest income | $156,000 | 6,379 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $128,000 | 4,721 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $28,000 | 7,329 |
| Total noninterest expense | $1,377,000 | 4,946 |
| Salaries and employee benefits | $654,000 | 5,424 |
| Premises and equipment expense | $287,000 | 3,676 |
| Additional noninterest expense | $436,000 | 4,789 |
| Pre-tax net operating income | $11,000 | 8,463 |
| Securities gains (losses) | $9,000 | 2,475 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $20,000 | 8,456 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $20,000 | 8,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 3,165 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $75,000 | 434 |
| Net operating income | $11,000 | 8,446 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,045,000 | 5,436 |
| Total interest expense | $405,000 | 4,286 |
| Net interest income | $640,000 | 5,932 |
| Provision for loan and lease losses | $48,000 | 3,379 |
| Total noninterest income | $75,000 | 6,432 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $63,000 | 4,680 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $12,000 | 7,544 |
| Total noninterest expense | $666,000 | 5,079 |
| Salaries and employee benefits | $320,000 | 5,527 |
| Premises and equipment expense | $139,000 | 3,799 |
| Additional noninterest expense | $207,000 | 4,938 |
| Pre-tax net operating income | $1,000 | 8,530 |
| Securities gains (losses) | $9,000 | 2,096 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $10,000 | 8,469 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $10,000 | 8,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,075 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,000 | 8,518 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,272,000 | 6,229 |
| Total interest expense | $1,575,000 | 4,733 |
| Net interest income | $1,697,000 | 7,068 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $273,000 | 6,787 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $237,000 | 4,873 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $36,000 | 7,939 |
| Total noninterest expense | $2,588,000 | 5,094 |
| Salaries and employee benefits | $1,292,000 | 5,376 |
| Premises and equipment expense | $471,000 | 4,243 |
| Additional noninterest expense | $825,000 | 4,946 |
| Pre-tax net operating income | $-858,000 | 8,935 |
| Securities gains (losses) | $87,000 | 2,013 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-771,000 | 8,986 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-771,000 | 8,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,380 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-858,000 | 8,957 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,289,000 | 6,536 |
| Total interest expense | $1,172,000 | 4,887 |
| Net interest income | $1,117,000 | 7,433 |
| Provision for loan and lease losses | $203,000 | 3,311 |
| Total noninterest income | $196,000 | 6,912 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $169,000 | 5,025 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $27,000 | 7,963 |
| Total noninterest expense | $1,886,000 | 5,181 |
| Salaries and employee benefits | $956,000 | 5,402 |
| Premises and equipment expense | $335,000 | 4,389 |
| Additional noninterest expense | $595,000 | 5,032 |
| Pre-tax net operating income | $-776,000 | 9,032 |
| Securities gains (losses) | $86,000 | 1,875 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-690,000 | 9,080 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-690,000 | 9,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,642 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-776,000 | 9,045 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,490,000 | 6,677 |
| Total interest expense | $767,000 | 5,059 |
| Net interest income | $723,000 | 7,516 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $112,000 | 7,187 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $98,000 | 5,331 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $14,000 | 8,211 |
| Total noninterest expense | $1,247,000 | 5,207 |
| Salaries and employee benefits | $634,000 | 5,432 |
| Premises and equipment expense | $219,000 | 4,445 |
| Additional noninterest expense | $394,000 | 5,057 |
| Pre-tax net operating income | $-562,000 | 9,089 |
| Securities gains (losses) | $61,000 | 1,886 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-501,000 | 9,131 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-501,000 | 9,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,844 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-562,000 | 9,093 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $732,000 | 6,770 |
| Total interest expense | $371,000 | 5,259 |
| Net interest income | $361,000 | 7,533 |
| Provision for loan and lease losses | $120,000 | 2,030 |
| Total noninterest income | $51,000 | 7,328 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $44,000 | 5,485 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $7,000 | 8,228 |
| Total noninterest expense | $610,000 | 5,283 |
| Salaries and employee benefits | $313,000 | 5,490 |
| Premises and equipment expense | $107,000 | 4,503 |
| Additional noninterest expense | $190,000 | 5,155 |
| Pre-tax net operating income | $-318,000 | 9,143 |
| Securities gains (losses) | $53,000 | 1,355 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-265,000 | 9,166 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-265,000 | 9,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,949 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-318,000 | 9,137 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $991,000 | 8,867 |
| Total interest expense | $604,000 | 8,079 |
| Net interest income | $387,000 | 9,102 |
| Provision for loan and lease losses | $180,000 | 4,547 |
| Total noninterest income | $60,000 | 8,877 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $48,000 | 7,564 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $12,000 | 8,821 |
| Total noninterest expense | $1,694,000 | 6,471 |
| Salaries and employee benefits | $915,000 | 6,461 |
| Premises and equipment expense | $244,000 | 6,223 |
| Additional noninterest expense | $535,000 | 6,308 |
| Pre-tax net operating income | $-1,427,000 | 9,196 |
| Securities gains (losses) | $-2,000 | 8,714 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-1,429,000 | 9,236 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,429,000 | 9,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $10,953,000 | 50 |
| Net operating income | $-1,427,000 | 9,206 |
* 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.