Home > Concord Bank > Income and Expense
Concord Bank, Income and Expense
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $4,672,000 | 3,997 |
| Total interest expense | $912,000 | 2,591 |
| Net interest income | $3,760,000 | 4,186 |
| Provision for loan and lease losses | $276,000 | 1,998 |
| Total noninterest income | $268,000 | 4,930 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $85,000 | 4,904 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $183,000 | 4,552 |
| Total noninterest expense | $3,114,000 | 4,257 |
| Salaries and employee benefits | $1,526,000 | 4,464 |
| Premises and equipment expense | $220,000 | 4,954 |
| Additional noninterest expense | $1,368,000 | 3,621 |
| Pre-tax net operating income | $638,000 | 4,674 |
| Securities gains (losses) | $0 | 3,216 |
| Applicable income taxes | $1,095,000 | 1,517 |
| Income before extraordinary items | $-457,000 | 6,038 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-457,000 | 6,039 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $-457,000 | 6,039 |
| Net charge-offs | $719,000 | 876 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $-457,000 | 6,030 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $3,504,000 | 4,039 |
| Total interest expense | $696,000 | 2,580 |
| Net interest income | $2,808,000 | 4,243 |
| Provision for loan and lease losses | $276,000 | 1,591 |
| Total noninterest income | $208,000 | 4,938 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $65,000 | 4,930 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $143,000 | 4,544 |
| Total noninterest expense | $2,445,000 | 4,168 |
| Salaries and employee benefits | $1,187,000 | 4,404 |
| Premises and equipment expense | $161,000 | 5,048 |
| Additional noninterest expense | $1,097,000 | 3,469 |
| Pre-tax net operating income | $295,000 | 5,234 |
| Securities gains (losses) | $0 | 3,031 |
| Applicable income taxes | $82,000 | 3,383 |
| Income before extraordinary items | $213,000 | 5,396 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $213,000 | 5,398 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $213,000 | 5,399 |
| Net charge-offs | $746,000 | 635 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $213,000 | 5,344 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $2,361,000 | 4,029 |
| Total interest expense | $465,000 | 2,592 |
| Net interest income | $1,896,000 | 4,250 |
| Provision for loan and lease losses | $275,000 | 1,212 |
| Total noninterest income | $136,000 | 4,974 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $42,000 | 4,986 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $94,000 | 4,584 |
| Total noninterest expense | $1,686,000 | 4,150 |
| Salaries and employee benefits | $788,000 | 4,468 |
| Premises and equipment expense | $113,000 | 5,002 |
| Additional noninterest expense | $785,000 | 3,336 |
| Pre-tax net operating income | $71,000 | 5,742 |
| Securities gains (losses) | $0 | 2,636 |
| Applicable income taxes | $8,000 | 4,131 |
| Income before extraordinary items | $63,000 | 5,788 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $63,000 | 5,789 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $63,000 | 5,790 |
| Net charge-offs | $763,000 | 441 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $63,000 | 5,741 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $1,179,000 | 4,049 |
| Total interest expense | $231,000 | 2,629 |
| Net interest income | $948,000 | 4,266 |
| Provision for loan and lease losses | $150,000 | 1,060 |
| Total noninterest income | $68,000 | 4,977 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $20,000 | 5,051 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $48,000 | 4,560 |
| Total noninterest expense | $731,000 | 4,488 |
| Salaries and employee benefits | $402,000 | 4,447 |
| Premises and equipment expense | $59,000 | 4,994 |
| Additional noninterest expense | $270,000 | 4,194 |
| Pre-tax net operating income | $135,000 | 4,947 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $41,000 | 3,134 |
| Income before extraordinary items | $94,000 | 5,187 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $94,000 | 5,190 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $94,000 | 5,191 |
| Net charge-offs | $26,000 | 1,976 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $94,000 | 5,119 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $5,243,000 | 3,859 |
| Total interest expense | $1,055,000 | 2,499 |
| Net interest income | $4,188,000 | 4,082 |
| Provision for loan and lease losses | $1,829,000 | 512 |
| Total noninterest income | $254,000 | 5,172 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $100,000 | 5,004 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $154,000 | 4,827 |
| Total noninterest expense | $3,340,000 | 4,247 |
| Salaries and employee benefits | $1,379,000 | 4,820 |
| Premises and equipment expense | $195,000 | 5,394 |
| Additional noninterest expense | $1,766,000 | 3,162 |
| Pre-tax net operating income | $-727,000 | 6,320 |
| Securities gains (losses) | $6,000 | 2,820 |
| Applicable income taxes | $-286,000 | 6,337 |
| Income before extraordinary items | $-435,000 | 6,291 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $-435,000 | 6,291 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-435,000 | 6,291 |
| Net charge-offs | $2,073,000 | 495 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-438,840 | 6,287 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $3,974,000 | 3,859 |
| Total interest expense | $821,000 | 2,470 |
| Net interest income | $3,153,000 | 4,108 |
| Provision for loan and lease losses | $1,679,000 | 403 |
| Total noninterest income | $197,000 | 5,196 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $78,000 | 5,000 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $119,000 | 4,851 |
| Total noninterest expense | $2,621,000 | 4,159 |
| Salaries and employee benefits | $1,017,000 | 4,875 |
| Premises and equipment expense | $148,000 | 5,420 |
| Additional noninterest expense | $1,456,000 | 2,964 |
| Pre-tax net operating income | $-950,000 | 6,469 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $-353,000 | 6,490 |
| Income before extraordinary items | $-597,000 | 6,412 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-597,000 | 6,411 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $-597,000 | 6,411 |
| Net charge-offs | $2,053,000 | 369 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $-597,000 | 6,410 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $2,712,000 | 3,795 |
| Total interest expense | $566,000 | 2,421 |
| Net interest income | $2,146,000 | 4,068 |
| Provision for loan and lease losses | $470,000 | 885 |
| Total noninterest income | $125,000 | 5,257 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $53,000 | 4,987 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $72,000 | 4,959 |
| Total noninterest expense | $1,779,000 | 4,142 |
| Salaries and employee benefits | $636,000 | 5,030 |
| Premises and equipment expense | $100,000 | 5,444 |
| Additional noninterest expense | $1,043,000 | 2,788 |
| Pre-tax net operating income | $22,000 | 6,102 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $-13,000 | 6,388 |
| Income before extraordinary items | $35,000 | 6,071 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $35,000 | 6,072 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $35,000 | 6,073 |
| Net charge-offs | $896,000 | 554 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $35,000 | 6,042 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $1,356,000 | 3,810 |
| Total interest expense | $286,000 | 2,446 |
| Net interest income | $1,070,000 | 4,085 |
| Provision for loan and lease losses | $150,000 | 1,189 |
| Total noninterest income | $31,000 | 5,960 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $25,000 | 5,072 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $6,000 | 6,177 |
| Total noninterest expense | $601,000 | 5,085 |
| Salaries and employee benefits | $321,000 | 5,079 |
| Premises and equipment expense | $52,000 | 5,436 |
| Additional noninterest expense | $228,000 | 4,698 |
| Pre-tax net operating income | $350,000 | 3,550 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $118,000 | 2,207 |
| Income before extraordinary items | $232,000 | 3,995 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $232,000 | 3,997 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $232,000 | 3,997 |
| Net charge-offs | $294,000 | 722 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $232,000 | 3,956 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $6,019,000 | 3,616 |
| Total interest expense | $1,336,000 | 2,379 |
| Net interest income | $4,683,000 | 3,860 |
| Provision for loan and lease losses | $488,000 | 1,871 |
| Total noninterest income | $359,000 | 4,894 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $101,000 | 5,247 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $258,000 | 4,287 |
| Total noninterest expense | $2,896,000 | 4,689 |
| Salaries and employee benefits | $1,157,000 | 5,326 |
| Premises and equipment expense | $207,000 | 5,498 |
| Additional noninterest expense | $1,532,000 | 3,606 |
| Pre-tax net operating income | $1,658,000 | 3,209 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $577,000 | 2,006 |
| Income before extraordinary items | $1,081,000 | 3,744 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,081,000 | 3,749 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $1,081,000 | 3,749 |
| Net charge-offs | $816,000 | 1,465 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $1,081,000 | 3,702 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $4,562,000 | 3,620 |
| Total interest expense | $1,037,000 | 2,376 |
| Net interest income | $3,525,000 | 3,876 |
| Provision for loan and lease losses | $488,000 | 1,546 |
| Total noninterest income | $337,000 | 4,629 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $75,000 | 5,302 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $262,000 | 3,955 |
| Total noninterest expense | $2,215,000 | 4,665 |
| Salaries and employee benefits | $844,000 | 5,392 |
| Premises and equipment expense | $174,000 | 5,373 |
| Additional noninterest expense | $1,197,000 | 3,500 |
| Pre-tax net operating income | $1,159,000 | 3,419 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $401,000 | 2,127 |
| Income before extraordinary items | $758,000 | 3,918 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $758,000 | 3,921 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $758,000 | 3,921 |
| Net charge-offs | $858,000 | 1,116 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $758,000 | 3,850 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $3,047,000 | 3,619 |
| Total interest expense | $716,000 | 2,346 |
| Net interest income | $2,331,000 | 3,889 |
| Provision for loan and lease losses | $279,000 | 1,756 |
| Total noninterest income | $260,000 | 4,454 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $49,000 | 5,335 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $211,000 | 3,712 |
| Total noninterest expense | $1,486,000 | 4,677 |
| Salaries and employee benefits | $530,000 | 5,501 |
| Premises and equipment expense | $115,000 | 5,380 |
| Additional noninterest expense | $841,000 | 3,382 |
| Pre-tax net operating income | $826,000 | 3,273 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $287,000 | 2,067 |
| Income before extraordinary items | $539,000 | 3,789 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $539,000 | 3,790 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $539,000 | 3,792 |
| Net charge-offs | $363,000 | 1,517 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $539,000 | 3,697 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,533,000 | 3,638 |
| Total interest expense | $373,000 | 2,341 |
| Net interest income | $1,160,000 | 3,920 |
| Provision for loan and lease losses | $143,000 | 1,769 |
| Total noninterest income | $113,000 | 4,652 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $24,000 | 5,346 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $89,000 | 3,936 |
| Total noninterest expense | $735,000 | 4,734 |
| Salaries and employee benefits | $259,000 | 5,574 |
| Premises and equipment expense | $57,000 | 5,424 |
| Additional noninterest expense | $419,000 | 3,397 |
| Pre-tax net operating income | $395,000 | 3,320 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $137,000 | 2,086 |
| Income before extraordinary items | $258,000 | 3,839 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $258,000 | 3,838 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $258,000 | 3,841 |
| Net charge-offs | $0 | 4,145 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $258,000 | 3,730 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $6,620,000 | 3,589 |
| Total interest expense | $1,830,000 | 2,305 |
| Net interest income | $4,790,000 | 3,925 |
| Provision for loan and lease losses | $293,000 | 3,448 |
| Total noninterest income | $-2,867,000 | 7,061 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $105,000 | 5,360 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-2,972,000 | 7,059 |
| Total noninterest expense | $3,429,000 | 4,429 |
| Salaries and employee benefits | $1,078,000 | 5,576 |
| Premises and equipment expense | $239,000 | 5,435 |
| Additional noninterest expense | $2,112,000 | 2,969 |
| Pre-tax net operating income | $-1,799,000 | 6,784 |
| Securities gains (losses) | $81,000 | 2,424 |
| Applicable income taxes | $-112,000 | 6,716 |
| Income before extraordinary items | $-1,606,000 | 6,796 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,606,000 | 6,793 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-1,606,000 | 6,794 |
| Net charge-offs | $982,000 | 1,836 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-1,681,330 | 6,781 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $5,020,000 | 3,624 |
| Total interest expense | $1,409,000 | 2,341 |
| Net interest income | $3,611,000 | 3,962 |
| Provision for loan and lease losses | $168,000 | 3,746 |
| Total noninterest income | $-224,000 | 7,061 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $78,000 | 5,449 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-302,000 | 7,020 |
| Total noninterest expense | $2,507,000 | 4,507 |
| Salaries and employee benefits | $854,000 | 5,534 |
| Premises and equipment expense | $185,000 | 5,423 |
| Additional noninterest expense | $1,468,000 | 3,171 |
| Pre-tax net operating income | $712,000 | 4,199 |
| Securities gains (losses) | $81,000 | 2,123 |
| Applicable income taxes | $263,000 | 2,589 |
| Income before extraordinary items | $530,000 | 4,577 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $530,000 | 4,576 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $530,000 | 4,575 |
| Net charge-offs | $994,000 | 1,478 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $475,730 | 4,531 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,376,000 | 3,631 |
| Total interest expense | $943,000 | 2,414 |
| Net interest income | $2,433,000 | 3,959 |
| Provision for loan and lease losses | $115,000 | 3,714 |
| Total noninterest income | $-147,000 | 7,125 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $51,000 | 5,494 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-198,000 | 7,072 |
| Total noninterest expense | $1,650,000 | 4,560 |
| Salaries and employee benefits | $623,000 | 5,377 |
| Premises and equipment expense | $117,000 | 5,544 |
| Additional noninterest expense | $910,000 | 3,361 |
| Pre-tax net operating income | $521,000 | 4,054 |
| Securities gains (losses) | $81,000 | 1,733 |
| Applicable income taxes | $203,000 | 2,437 |
| Income before extraordinary items | $399,000 | 4,368 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $399,000 | 4,372 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $399,000 | 4,371 |
| Net charge-offs | $638,000 | 1,544 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $345,540 | 4,414 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,719,000 | 3,613 |
| Total interest expense | $469,000 | 2,524 |
| Net interest income | $1,250,000 | 3,915 |
| Provision for loan and lease losses | $88,000 | 3,071 |
| Total noninterest income | $-103,000 | 7,208 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $26,000 | 5,450 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-129,000 | 7,175 |
| Total noninterest expense | $838,000 | 4,544 |
| Salaries and employee benefits | $333,000 | 5,244 |
| Premises and equipment expense | $58,000 | 5,568 |
| Additional noninterest expense | $447,000 | 3,371 |
| Pre-tax net operating income | $221,000 | 4,364 |
| Securities gains (losses) | $81,000 | 999 |
| Applicable income taxes | $100,000 | 2,447 |
| Income before extraordinary items | $202,000 | 4,368 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $202,000 | 4,371 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $202,000 | 4,371 |
| Net charge-offs | $431,000 | 1,196 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $147,730 | 4,730 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $6,698,000 | 3,788 |
| Total interest expense | $2,110,000 | 2,657 |
| Net interest income | $4,588,000 | 4,156 |
| Provision for loan and lease losses | $180,000 | 4,726 |
| Total noninterest income | $410,000 | 4,746 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $107,000 | 5,412 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $303,000 | 3,854 |
| Total noninterest expense | $3,869,000 | 4,206 |
| Salaries and employee benefits | $1,229,000 | 5,464 |
| Premises and equipment expense | $535,000 | 3,862 |
| Additional noninterest expense | $2,105,000 | 2,997 |
| Pre-tax net operating income | $949,000 | 3,823 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $299,000 | 2,533 |
| Income before extraordinary items | $650,000 | 4,270 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $650,000 | 4,272 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $650,000 | 4,272 |
| Net charge-offs | $395,000 | 3,465 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $650,000 | 4,150 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,979,000 | 3,843 |
| Total interest expense | $1,602,000 | 2,725 |
| Net interest income | $3,377,000 | 4,227 |
| Provision for loan and lease losses | $85,000 | 5,150 |
| Total noninterest income | $385,000 | 4,397 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $81,000 | 5,444 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $304,000 | 3,446 |
| Total noninterest expense | $2,916,000 | 4,190 |
| Salaries and employee benefits | $931,000 | 5,456 |
| Premises and equipment expense | $475,000 | 3,477 |
| Additional noninterest expense | $1,510,000 | 3,139 |
| Pre-tax net operating income | $761,000 | 3,814 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $242,000 | 2,483 |
| Income before extraordinary items | $519,000 | 4,247 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $519,000 | 4,249 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $519,000 | 4,249 |
| Net charge-offs | $405,000 | 2,894 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $519,000 | 4,119 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,304,000 | 3,885 |
| Total interest expense | $1,035,000 | 2,880 |
| Net interest income | $2,269,000 | 4,224 |
| Provision for loan and lease losses | $25,000 | 5,594 |
| Total noninterest income | $152,000 | 5,290 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $55,000 | 5,408 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $97,000 | 4,589 |
| Total noninterest expense | $1,877,000 | 4,339 |
| Salaries and employee benefits | $625,000 | 5,483 |
| Premises and equipment expense | $417,000 | 2,853 |
| Additional noninterest expense | $835,000 | 3,627 |
| Pre-tax net operating income | $519,000 | 3,746 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $164,000 | 2,421 |
| Income before extraordinary items | $355,000 | 4,197 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $355,000 | 4,197 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $355,000 | 4,199 |
| Net charge-offs | $43,000 | 4,564 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $355,000 | 4,100 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,625,000 | 3,959 |
| Total interest expense | $514,000 | 2,975 |
| Net interest income | $1,111,000 | 4,274 |
| Provision for loan and lease losses | $15,000 | 5,117 |
| Total noninterest income | $62,000 | 5,664 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $29,000 | 5,277 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $33,000 | 5,265 |
| Total noninterest expense | $898,000 | 4,477 |
| Salaries and employee benefits | $316,000 | 5,496 |
| Premises and equipment expense | $205,000 | 2,925 |
| Additional noninterest expense | $377,000 | 3,879 |
| Pre-tax net operating income | $260,000 | 3,761 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $82,000 | 2,391 |
| Income before extraordinary items | $178,000 | 4,180 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $178,000 | 4,179 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $178,000 | 4,180 |
| Net charge-offs | $14,000 | 4,237 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $178,000 | 4,124 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,093,000 | 3,870 |
| Total interest expense | $2,813,000 | 2,744 |
| Net interest income | $4,280,000 | 4,376 |
| Provision for loan and lease losses | $3,235,000 | 1,547 |
| Total noninterest income | $-1,171,000 | 7,557 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $103,000 | 5,442 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-1,274,000 | 7,518 |
| Total noninterest expense | $2,787,000 | 5,234 |
| Salaries and employee benefits | $868,000 | 6,289 |
| Premises and equipment expense | $203,000 | 6,180 |
| Additional noninterest expense | $1,716,000 | 3,654 |
| Pre-tax net operating income | $-2,913,000 | 6,904 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-1,044,000 | 7,324 |
| Income before extraordinary items | $-1,869,000 | 6,822 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,869,000 | 6,822 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,869,000 | 6,823 |
| Net charge-offs | $2,113,000 | 1,798 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,869,000 | 6,797 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,378,000 | 3,922 |
| Total interest expense | $2,296,000 | 2,654 |
| Net interest income | $3,082,000 | 4,556 |
| Provision for loan and lease losses | $1,445,000 | 2,034 |
| Total noninterest income | $78,000 | 6,780 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $76,000 | 5,556 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $2,000 | 7,099 |
| Total noninterest expense | $1,826,000 | 5,597 |
| Salaries and employee benefits | $609,000 | 6,468 |
| Premises and equipment expense | $152,000 | 6,262 |
| Additional noninterest expense | $1,065,000 | 4,132 |
| Pre-tax net operating income | $-111,000 | 6,174 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-112,000 | 7,097 |
| Income before extraordinary items | $1,000 | 6,119 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,000 | 6,120 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,000 | 6,120 |
| Net charge-offs | $258,000 | 3,922 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $1,000 | 5,995 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,562,000 | 3,967 |
| Total interest expense | $1,613,000 | 2,636 |
| Net interest income | $1,949,000 | 4,733 |
| Provision for loan and lease losses | $685,000 | 2,408 |
| Total noninterest income | $13,000 | 7,402 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $50,000 | 5,593 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-37,000 | 7,423 |
| Total noninterest expense | $1,074,000 | 5,932 |
| Salaries and employee benefits | $308,000 | 6,987 |
| Premises and equipment expense | $102,000 | 6,274 |
| Additional noninterest expense | $664,000 | 4,317 |
| Pre-tax net operating income | $203,000 | 4,922 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $33,000 | 3,533 |
| Income before extraordinary items | $170,000 | 5,093 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $170,000 | 5,096 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $170,000 | 5,095 |
| Net charge-offs | $256,000 | 3,248 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $170,000 | 4,935 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,804,000 | 3,991 |
| Total interest expense | $827,000 | 2,688 |
| Net interest income | $977,000 | 4,747 |
| Provision for loan and lease losses | $302,000 | 2,365 |
| Total noninterest income | $46,000 | 6,245 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $25,000 | 5,612 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $21,000 | 5,888 |
| Total noninterest expense | $666,000 | 5,454 |
| Salaries and employee benefits | $311,000 | 5,720 |
| Premises and equipment expense | $51,000 | 6,363 |
| Additional noninterest expense | $304,000 | 4,553 |
| Pre-tax net operating income | $55,000 | 5,598 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $3,000 | 4,254 |
| Income before extraordinary items | $52,000 | 5,675 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $52,000 | 5,676 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $52,000 | 5,675 |
| Net charge-offs | $227,000 | 2,295 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $52,000 | 5,575 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,362,000 | 4,037 |
| Total interest expense | $4,426,000 | 2,519 |
| Net interest income | $2,936,000 | 5,438 |
| Provision for loan and lease losses | $440,000 | 4,738 |
| Total noninterest income | $-595,000 | 7,892 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $114,000 | 5,570 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-709,000 | 7,839 |
| Total noninterest expense | $3,096,000 | 5,078 |
| Salaries and employee benefits | $1,262,000 | 5,697 |
| Premises and equipment expense | $206,000 | 6,431 |
| Additional noninterest expense | $1,628,000 | 3,871 |
| Pre-tax net operating income | $-1,195,000 | 6,330 |
| Securities gains (losses) | $11,000 | 3,232 |
| Applicable income taxes | $-502,000 | 7,029 |
| Income before extraordinary items | $-682,000 | 6,186 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-682,000 | 6,185 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-682,000 | 6,185 |
| Net charge-offs | $304,000 | 4,465 |
| Cash dividends | $745,000 | 2,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-689,040 | 6,194 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,495,000 | 4,114 |
| Total interest expense | $3,502,000 | 2,506 |
| Net interest income | $1,993,000 | 5,715 |
| Provision for loan and lease losses | $290,000 | 4,636 |
| Total noninterest income | $-441,000 | 7,998 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $80,000 | 5,706 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-521,000 | 7,961 |
| Total noninterest expense | $2,369,000 | 5,033 |
| Salaries and employee benefits | $944,000 | 5,738 |
| Premises and equipment expense | $154,000 | 6,493 |
| Additional noninterest expense | $1,271,000 | 3,719 |
| Pre-tax net operating income | $-1,107,000 | 6,708 |
| Securities gains (losses) | $1,000 | 3,393 |
| Applicable income taxes | $-429,000 | 7,303 |
| Income before extraordinary items | $-677,000 | 6,553 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-677,000 | 6,554 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-677,000 | 6,554 |
| Net charge-offs | $260,000 | 3,911 |
| Cash dividends | $745,000 | 1,584 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-677,640 | 6,555 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,619,000 | 4,179 |
| Total interest expense | $2,499,000 | 2,454 |
| Net interest income | $1,120,000 | 6,129 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $-435,000 | 8,100 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $48,000 | 5,865 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-483,000 | 8,080 |
| Total noninterest expense | $1,570,000 | 5,111 |
| Salaries and employee benefits | $642,000 | 5,750 |
| Premises and equipment expense | $102,000 | 6,546 |
| Additional noninterest expense | $826,000 | 3,787 |
| Pre-tax net operating income | $-885,000 | 6,950 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-329,000 | 7,444 |
| Income before extraordinary items | $-556,000 | 6,815 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-556,000 | 6,815 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-556,000 | 6,815 |
| Net charge-offs | $87,000 | 4,389 |
| Cash dividends | $745,000 | 1,220 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-556,000 | 6,796 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,762,000 | 4,286 |
| Total interest expense | $1,350,000 | 2,361 |
| Net interest income | $412,000 | 6,823 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $-611,000 | 8,206 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $22,000 | 5,942 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-633,000 | 8,206 |
| Total noninterest expense | $707,000 | 5,364 |
| Salaries and employee benefits | $323,000 | 5,783 |
| Premises and equipment expense | $48,000 | 6,693 |
| Additional noninterest expense | $336,000 | 4,071 |
| Pre-tax net operating income | $-906,000 | 7,598 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-321,000 | 7,807 |
| Income before extraordinary items | $-585,000 | 7,514 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-585,000 | 7,515 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-585,000 | 7,515 |
| Net charge-offs | $30,000 | 4,024 |
| Cash dividends | $45,000 | 2,716 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-585,000 | 7,493 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $9,136,000 | 3,764 |
| Total interest expense | $5,072,000 | 2,927 |
| Net interest income | $4,064,000 | 4,539 |
| Provision for loan and lease losses | $2,067,000 | 1,754 |
| Total noninterest income | $-2,349,000 | 8,272 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $71,000 | 6,319 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-2,420,000 | 8,285 |
| Total noninterest expense | $2,697,000 | 5,435 |
| Salaries and employee benefits | $999,000 | 6,413 |
| Premises and equipment expense | $237,000 | 6,359 |
| Additional noninterest expense | $1,461,000 | 3,690 |
| Pre-tax net operating income | $-3,049,000 | 7,598 |
| Securities gains (losses) | $-500,000 | 7,560 |
| Applicable income taxes | $-1,424,000 | 7,824 |
| Income before extraordinary items | $-2,125,000 | 7,417 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,125,000 | 7,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,562,000 | 1,511 |
| Cash dividends | $268,000 | 4,230 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-1,805,000 | 7,420 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,995,000 | 3,768 |
| Total interest expense | $3,611,000 | 3,161 |
| Net interest income | $3,384,000 | 4,242 |
| Provision for loan and lease losses | $2,067,000 | 1,161 |
| Total noninterest income | $-1,229,000 | 8,348 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $45,000 | 6,537 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-1,274,000 | 8,360 |
| Total noninterest expense | $1,886,000 | 5,638 |
| Salaries and employee benefits | $717,000 | 6,536 |
| Premises and equipment expense | $148,000 | 6,733 |
| Additional noninterest expense | $1,021,000 | 3,805 |
| Pre-tax net operating income | $-1,798,000 | 7,820 |
| Securities gains (losses) | $-500,000 | 7,781 |
| Applicable income taxes | $255,000 | 2,646 |
| Income before extraordinary items | $-2,553,000 | 7,956 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,553,000 | 7,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,099,000 | 1,226 |
| Cash dividends | $268,000 | 3,555 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,053,000 | 7,954 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,825,000 | 3,735 |
| Total interest expense | $2,472,000 | 3,217 |
| Net interest income | $2,353,000 | 4,132 |
| Provision for loan and lease losses | $367,000 | 2,262 |
| Total noninterest income | $233,000 | 5,137 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $30,000 | 6,564 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $203,000 | 3,732 |
| Total noninterest expense | $1,202,000 | 5,786 |
| Salaries and employee benefits | $496,000 | 6,514 |
| Premises and equipment expense | $100,000 | 6,746 |
| Additional noninterest expense | $606,000 | 4,160 |
| Pre-tax net operating income | $1,017,000 | 2,915 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $432,000 | 1,780 |
| Income before extraordinary items | $585,000 | 3,699 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $585,000 | 3,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 2,049 |
| Cash dividends | $207,000 | 3,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $585,000 | 3,634 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,505,000 | 3,722 |
| Total interest expense | $1,319,000 | 3,211 |
| Net interest income | $1,186,000 | 4,134 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $107,000 | 5,281 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $15,000 | 6,545 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $92,000 | 3,930 |
| Total noninterest expense | $482,000 | 6,395 |
| Salaries and employee benefits | $237,000 | 6,640 |
| Premises and equipment expense | $50,000 | 6,769 |
| Additional noninterest expense | $195,000 | 5,454 |
| Pre-tax net operating income | $811,000 | 2,132 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $290,000 | 1,511 |
| Income before extraordinary items | $521,000 | 2,598 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $521,000 | 2,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 1,179 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $521,000 | 2,527 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $12,466,000 | 3,182 |
| Total interest expense | $5,942,000 | 3,024 |
| Net interest income | $6,524,000 | 3,287 |
| Provision for loan and lease losses | $876,000 | 1,578 |
| Total noninterest income | $371,000 | 5,647 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $63,000 | 6,552 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $308,000 | 4,192 |
| Total noninterest expense | $2,030,000 | 6,181 |
| Salaries and employee benefits | $1,241,000 | 5,888 |
| Premises and equipment expense | $214,000 | 6,588 |
| Additional noninterest expense | $575,000 | 6,247 |
| Pre-tax net operating income | $3,989,000 | 1,990 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,261,000 | 1,599 |
| Income before extraordinary items | $2,728,000 | 2,200 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,728,000 | 2,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $838,000 | 1,170 |
| Cash dividends | $1,701,000 | 1,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,728,000 | 2,184 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,481,000 | 3,143 |
| Total interest expense | $4,485,000 | 3,007 |
| Net interest income | $4,996,000 | 3,237 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $305,000 | 5,494 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $46,000 | 6,605 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $259,000 | 4,024 |
| Total noninterest expense | $1,543,000 | 6,139 |
| Salaries and employee benefits | $948,000 | 5,808 |
| Premises and equipment expense | $156,000 | 6,654 |
| Additional noninterest expense | $439,000 | 6,173 |
| Pre-tax net operating income | $3,758,000 | 1,761 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,325,000 | 1,345 |
| Income before extraordinary items | $2,433,000 | 2,049 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,433,000 | 2,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $1,178,000 | 1,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,433,000 | 2,034 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,317,000 | 3,148 |
| Total interest expense | $2,976,000 | 3,033 |
| Net interest income | $3,341,000 | 3,250 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $206,000 | 5,511 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $30,000 | 6,661 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $176,000 | 4,032 |
| Total noninterest expense | $1,003,000 | 6,248 |
| Salaries and employee benefits | $608,000 | 5,966 |
| Premises and equipment expense | $99,000 | 6,786 |
| Additional noninterest expense | $296,000 | 6,155 |
| Pre-tax net operating income | $2,544,000 | 1,795 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $877,000 | 1,404 |
| Income before extraordinary items | $1,667,000 | 2,044 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,667,000 | 2,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $754,000 | 1,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,667,000 | 2,025 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,117,000 | 3,181 |
| Total interest expense | $1,441,000 | 3,092 |
| Net interest income | $1,676,000 | 3,241 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $95,000 | 5,648 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $14,000 | 6,735 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $81,000 | 4,179 |
| Total noninterest expense | $519,000 | 6,185 |
| Salaries and employee benefits | $297,000 | 6,085 |
| Premises and equipment expense | $50,000 | 6,802 |
| Additional noninterest expense | $172,000 | 5,709 |
| Pre-tax net operating income | $1,252,000 | 1,801 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $437,000 | 1,429 |
| Income before extraordinary items | $815,000 | 2,030 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $815,000 | 2,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $330,000 | 1,881 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $815,000 | 2,020 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,935,000 | 3,104 |
| Total interest expense | $5,072,000 | 2,994 |
| Net interest income | $6,863,000 | 3,158 |
| Provision for loan and lease losses | $82,000 | 5,002 |
| Total noninterest income | $285,000 | 6,277 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $44,000 | 6,981 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $241,000 | 4,733 |
| Total noninterest expense | $2,210,000 | 5,862 |
| Salaries and employee benefits | $1,295,000 | 5,663 |
| Premises and equipment expense | $232,000 | 6,391 |
| Additional noninterest expense | $683,000 | 5,713 |
| Pre-tax net operating income | $4,856,000 | 1,940 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,767,000 | 1,466 |
| Income before extraordinary items | $3,089,000 | 2,225 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,089,000 | 2,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,095 |
| Cash dividends | $1,992,000 | 1,570 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,089,000 | 2,216 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,738,000 | 3,145 |
| Total interest expense | $3,687,000 | 2,990 |
| Net interest income | $5,051,000 | 3,235 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $252,000 | 5,999 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $34,000 | 7,042 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $218,000 | 4,354 |
| Total noninterest expense | $1,588,000 | 5,984 |
| Salaries and employee benefits | $973,000 | 5,632 |
| Premises and equipment expense | $180,000 | 6,340 |
| Additional noninterest expense | $435,000 | 6,165 |
| Pre-tax net operating income | $3,715,000 | 1,962 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,385,000 | 1,477 |
| Income before extraordinary items | $2,330,000 | 2,282 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,330,000 | 2,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,367 |
| Cash dividends | $1,992,000 | 1,171 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,330,000 | 2,268 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,635,000 | 3,198 |
| Total interest expense | $2,333,000 | 3,001 |
| Net interest income | $3,302,000 | 3,295 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $163,000 | 6,079 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $24,000 | 7,037 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $139,000 | 4,445 |
| Total noninterest expense | $1,046,000 | 6,032 |
| Salaries and employee benefits | $658,000 | 5,621 |
| Premises and equipment expense | $117,000 | 6,409 |
| Additional noninterest expense | $271,000 | 6,366 |
| Pre-tax net operating income | $2,419,000 | 2,012 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $907,000 | 1,512 |
| Income before extraordinary items | $1,512,000 | 2,324 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,512,000 | 2,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,365 |
| Cash dividends | $1,351,000 | 1,134 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,512,000 | 2,310 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,703,000 | 3,240 |
| Total interest expense | $1,061,000 | 3,110 |
| Net interest income | $1,642,000 | 3,296 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $69,000 | 6,367 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $11,000 | 7,109 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $58,000 | 4,825 |
| Total noninterest expense | $513,000 | 6,104 |
| Salaries and employee benefits | $334,000 | 5,595 |
| Premises and equipment expense | $54,000 | 6,597 |
| Additional noninterest expense | $125,000 | 6,538 |
| Pre-tax net operating income | $1,198,000 | 1,971 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $442,000 | 1,538 |
| Income before extraordinary items | $756,000 | 2,308 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $756,000 | 2,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,875 |
| Cash dividends | $752,000 | 950 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $756,000 | 2,283 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,513,000 | 3,285 |
| Total interest expense | $3,893,000 | 2,712 |
| Net interest income | $5,620,000 | 3,620 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $366,000 | 5,914 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $49,000 | 7,103 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $317,000 | 4,218 |
| Total noninterest expense | $2,113,000 | 5,919 |
| Salaries and employee benefits | $1,290,000 | 5,555 |
| Premises and equipment expense | $235,000 | 6,366 |
| Additional noninterest expense | $588,000 | 6,124 |
| Pre-tax net operating income | $3,873,000 | 2,278 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,298,000 | 1,888 |
| Income before extraordinary items | $2,575,000 | 2,543 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,575,000 | 2,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $1,030,000 | 2,376 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,575,000 | 2,512 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,887,000 | 3,319 |
| Total interest expense | $2,825,000 | 2,663 |
| Net interest income | $4,062,000 | 3,719 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $281,000 | 5,904 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $38,000 | 7,121 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $243,000 | 4,180 |
| Total noninterest expense | $1,504,000 | 6,071 |
| Salaries and employee benefits | $921,000 | 5,693 |
| Premises and equipment expense | $173,000 | 6,388 |
| Additional noninterest expense | $410,000 | 6,292 |
| Pre-tax net operating income | $2,839,000 | 2,333 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $976,000 | 1,916 |
| Income before extraordinary items | $1,863,000 | 2,621 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,863,000 | 2,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,608 |
| Cash dividends | $498,000 | 2,836 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,863,000 | 2,586 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,425,000 | 3,352 |
| Total interest expense | $1,686,000 | 2,763 |
| Net interest income | $2,739,000 | 3,661 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $212,000 | 5,611 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $27,000 | 7,065 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $185,000 | 3,898 |
| Total noninterest expense | $1,056,000 | 5,882 |
| Salaries and employee benefits | $627,000 | 5,607 |
| Premises and equipment expense | $114,000 | 6,411 |
| Additional noninterest expense | $315,000 | 5,858 |
| Pre-tax net operating income | $1,895,000 | 2,273 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $681,000 | 1,821 |
| Income before extraordinary items | $1,214,000 | 2,624 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,214,000 | 2,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,136 |
| Cash dividends | $498,000 | 2,236 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,214,000 | 2,584 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,119,000 | 3,429 |
| Total interest expense | $776,000 | 2,868 |
| Net interest income | $1,343,000 | 3,719 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $118,000 | 5,312 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $15,000 | 6,958 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $103,000 | 3,676 |
| Total noninterest expense | $526,000 | 5,934 |
| Salaries and employee benefits | $332,000 | 5,462 |
| Premises and equipment expense | $53,000 | 6,627 |
| Additional noninterest expense | $141,000 | 6,213 |
| Pre-tax net operating income | $935,000 | 2,290 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $325,000 | 1,869 |
| Income before extraordinary items | $610,000 | 2,577 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $610,000 | 2,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $32,000 | 3,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $610,000 | 2,538 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,018,000 | 3,410 |
| Total interest expense | $2,537,000 | 3,023 |
| Net interest income | $5,481,000 | 3,546 |
| Provision for loan and lease losses | $304,000 | 2,881 |
| Total noninterest income | $237,000 | 6,866 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $80,000 | 6,764 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $157,000 | 5,602 |
| Total noninterest expense | $2,087,000 | 5,871 |
| Salaries and employee benefits | $1,039,000 | 6,164 |
| Premises and equipment expense | $212,000 | 6,613 |
| Additional noninterest expense | $836,000 | 4,950 |
| Pre-tax net operating income | $3,327,000 | 2,371 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,218,000 | 1,878 |
| Income before extraordinary items | $2,109,000 | 2,785 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,109,000 | 2,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $839,000 | 2,638 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,109,000 | 2,726 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,673,000 | 3,546 |
| Total interest expense | $1,831,000 | 3,060 |
| Net interest income | $3,842,000 | 3,718 |
| Provision for loan and lease losses | $137,000 | 3,698 |
| Total noninterest income | $172,000 | 6,960 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $64,000 | 6,729 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $108,000 | 5,779 |
| Total noninterest expense | $1,461,000 | 6,052 |
| Salaries and employee benefits | $775,000 | 6,126 |
| Premises and equipment expense | $151,000 | 6,711 |
| Additional noninterest expense | $535,000 | 5,428 |
| Pre-tax net operating income | $2,416,000 | 2,460 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $859,000 | 2,003 |
| Income before extraordinary items | $1,557,000 | 2,861 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,557,000 | 2,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $839,000 | 1,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,557,000 | 2,789 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,677,000 | 3,629 |
| Total interest expense | $1,165,000 | 3,153 |
| Net interest income | $2,512,000 | 3,769 |
| Provision for loan and lease losses | $77,000 | 3,961 |
| Total noninterest income | $115,000 | 6,981 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $46,000 | 6,661 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $69,000 | 5,871 |
| Total noninterest expense | $957,000 | 6,154 |
| Salaries and employee benefits | $510,000 | 6,224 |
| Premises and equipment expense | $92,000 | 6,950 |
| Additional noninterest expense | $355,000 | 5,465 |
| Pre-tax net operating income | $1,593,000 | 2,459 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $565,000 | 2,025 |
| Income before extraordinary items | $1,028,000 | 2,867 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,028,000 | 2,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $432,000 | 2,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,028,000 | 2,789 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,830,000 | 3,655 |
| Total interest expense | $579,000 | 3,210 |
| Net interest income | $1,251,000 | 3,761 |
| Provision for loan and lease losses | $37,000 | 3,840 |
| Total noninterest income | $59,000 | 6,900 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $23,000 | 6,604 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $36,000 | 5,773 |
| Total noninterest expense | $481,000 | 6,169 |
| Salaries and employee benefits | $258,000 | 6,227 |
| Premises and equipment expense | $40,000 | 7,262 |
| Additional noninterest expense | $183,000 | 5,379 |
| Pre-tax net operating income | $792,000 | 2,448 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $280,000 | 2,024 |
| Income before extraordinary items | $512,000 | 2,886 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $512,000 | 2,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $432,000 | 1,376 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $512,000 | 2,789 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,228,000 | 3,713 |
| Total interest expense | $2,445,000 | 3,393 |
| Net interest income | $4,783,000 | 3,808 |
| Provision for loan and lease losses | $634,000 | 1,770 |
| Total noninterest income | $306,000 | 6,553 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $92,000 | 6,676 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $214,000 | 5,155 |
| Total noninterest expense | $1,841,000 | 6,274 |
| Salaries and employee benefits | $957,000 | 6,416 |
| Premises and equipment expense | $207,000 | 6,697 |
| Additional noninterest expense | $677,000 | 5,608 |
| Pre-tax net operating income | $2,614,000 | 2,791 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $926,000 | 2,287 |
| Income before extraordinary items | $1,688,000 | 3,257 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,688,000 | 3,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $37,000 | 6,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,688,000 | 3,118 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,508,000 | 3,707 |
| Total interest expense | $1,889,000 | 3,433 |
| Net interest income | $3,619,000 | 3,803 |
| Provision for loan and lease losses | $450,000 | 1,799 |
| Total noninterest income | $245,000 | 6,458 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $70,000 | 6,717 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $175,000 | 5,035 |
| Total noninterest expense | $1,340,000 | 6,341 |
| Salaries and employee benefits | $718,000 | 6,398 |
| Premises and equipment expense | $152,000 | 6,759 |
| Additional noninterest expense | $470,000 | 5,833 |
| Pre-tax net operating income | $2,074,000 | 2,773 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $849,000 | 2,120 |
| Income before extraordinary items | $1,225,000 | 3,440 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,225,000 | 3,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $37,000 | 5,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,225,000 | 3,277 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,657,000 | 3,747 |
| Total interest expense | $1,293,000 | 3,454 |
| Net interest income | $2,364,000 | 3,868 |
| Provision for loan and lease losses | $295,000 | 1,893 |
| Total noninterest income | $152,000 | 6,610 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $45,000 | 6,765 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $107,000 | 5,211 |
| Total noninterest expense | $891,000 | 6,366 |
| Salaries and employee benefits | $482,000 | 6,392 |
| Premises and equipment expense | $98,000 | 6,822 |
| Additional noninterest expense | $311,000 | 5,860 |
| Pre-tax net operating income | $1,330,000 | 2,858 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $538,000 | 2,219 |
| Income before extraordinary items | $792,000 | 3,535 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $792,000 | 3,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $37,000 | 4,889 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $792,000 | 3,340 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,791,000 | 3,835 |
| Total interest expense | $677,000 | 3,407 |
| Net interest income | $1,114,000 | 4,060 |
| Provision for loan and lease losses | $132,000 | 1,943 |
| Total noninterest income | $109,000 | 5,690 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $21,000 | 6,829 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $88,000 | 4,169 |
| Total noninterest expense | $465,000 | 6,233 |
| Salaries and employee benefits | $242,000 | 6,376 |
| Premises and equipment expense | $47,000 | 6,953 |
| Additional noninterest expense | $176,000 | 5,433 |
| Pre-tax net operating income | $626,000 | 2,986 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $242,000 | 2,375 |
| Income before extraordinary items | $384,000 | 3,575 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $384,000 | 3,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $18,000 | 3,764 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $384,000 | 3,400 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,204,000 | 3,955 |
| Total interest expense | $3,432,000 | 3,162 |
| Net interest income | $3,772,000 | 4,528 |
| Provision for loan and lease losses | $455,000 | 2,553 |
| Total noninterest income | $338,000 | 6,188 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $85,000 | 6,837 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $253,000 | 4,587 |
| Total noninterest expense | $1,598,000 | 6,656 |
| Salaries and employee benefits | $883,000 | 6,573 |
| Premises and equipment expense | $187,000 | 6,938 |
| Additional noninterest expense | $528,000 | 6,355 |
| Pre-tax net operating income | $2,057,000 | 3,358 |
| Securities gains (losses) | $-8,000 | 8,882 |
| Applicable income taxes | $686,000 | 2,892 |
| Income before extraordinary items | $1,363,000 | 3,761 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,363,000 | 3,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 9,032 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,368,360 | 3,639 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,508,000 | 4,225 |
| Total interest expense | $4,384,000 | 3,541 |
| Net interest income | $3,124,000 | 4,917 |
| Provision for loan and lease losses | $236,000 | 3,797 |
| Total noninterest income | $247,000 | 6,886 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $59,000 | 7,414 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $188,000 | 5,063 |
| Total noninterest expense | $1,358,000 | 7,104 |
| Salaries and employee benefits | $751,000 | 6,976 |
| Premises and equipment expense | $193,000 | 6,884 |
| Additional noninterest expense | $414,000 | 7,041 |
| Pre-tax net operating income | $1,777,000 | 3,468 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $547,000 | 3,158 |
| Income before extraordinary items | $1,230,000 | 3,734 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,230,000 | 3,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,455 |
| Cash dividends | $285,000 | 4,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,230,000 | 3,621 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,512,000 | 4,329 |
| Total interest expense | $4,064,000 | 3,920 |
| Net interest income | $3,448,000 | 4,655 |
| Provision for loan and lease losses | $516,000 | 1,824 |
| Total noninterest income | $128,000 | 8,195 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 7,793 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 6,788 |
| Total noninterest expense | $1,267,000 | 7,332 |
| Salaries and employee benefits | $678,000 | 7,298 |
| Premises and equipment expense | $201,000 | 6,755 |
| Additional noninterest expense | $388,000 | 7,244 |
| Pre-tax net operating income | $1,793,000 | 3,576 |
| Securities gains (losses) | $-2,000 | 7,578 |
| Applicable income taxes | $586,000 | 3,158 |
| Income before extraordinary items | $1,205,000 | 3,850 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,205,000 | 3,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $581,000 | 1,115 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,206,340 | 3,840 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,350,000 | 5,334 |
| Total interest expense | $2,777,000 | 4,887 |
| Net interest income | $2,573,000 | 5,700 |
| Provision for loan and lease losses | $262,000 | 2,963 |
| Total noninterest income | $145,000 | 8,163 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 7,784 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 6,795 |
| Total noninterest expense | $1,153,000 | 7,693 |
| Salaries and employee benefits | $598,000 | 7,766 |
| Premises and equipment expense | $209,000 | 6,663 |
| Additional noninterest expense | $346,000 | 7,734 |
| Pre-tax net operating income | $1,303,000 | 4,508 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $384,000 | 4,270 |
| Income before extraordinary items | $917,000 | 4,690 |
| Extraordinary gains, net | $-15,000 | 10,156 |
| Net income | $902,000 | 4,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,765 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $918,400 | 4,647 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,216,000 | 6,290 |
| Total interest expense | $2,237,000 | 5,773 |
| Net interest income | $1,979,000 | 6,711 |
| Provision for loan and lease losses | $250,000 | 2,981 |
| Total noninterest income | $217,000 | 7,373 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 7,708 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $154,000 | 5,613 |
| Total noninterest expense | $1,043,000 | 7,981 |
| Salaries and employee benefits | $552,000 | 8,039 |
| Premises and equipment expense | $177,000 | 7,107 |
| Additional noninterest expense | $314,000 | 7,993 |
| Pre-tax net operating income | $903,000 | 5,721 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $287,000 | 5,291 |
| Income before extraordinary items | $616,000 | 5,983 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $616,000 | 5,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,603 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $616,000 | 5,878 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,911,000 | 7,870 |
| Total interest expense | $1,516,000 | 7,311 |
| Net interest income | $1,395,000 | 8,252 |
| Provision for loan and lease losses | $202,000 | 3,414 |
| Total noninterest income | $103,000 | 9,351 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 8,315 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 8,480 |
| Total noninterest expense | $863,000 | 8,806 |
| Salaries and employee benefits | $463,000 | 8,863 |
| Premises and equipment expense | $146,000 | 7,890 |
| Additional noninterest expense | $254,000 | 8,798 |
| Pre-tax net operating income | $433,000 | 8,272 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $160,000 | 7,457 |
| Income before extraordinary items | $276,000 | 8,553 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $276,000 | 8,555 |
| 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 | $274,080 | 8,525 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,205,000 | 10,513 |
| Total interest expense | $504,000 | 10,588 |
| Net interest income | $701,000 | 10,382 |
| Provision for loan and lease losses | $90,000 | 5,326 |
| Total noninterest income | $49,000 | 10,867 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 9,343 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 10,581 |
| Total noninterest expense | $594,000 | 10,187 |
| Salaries and employee benefits | $348,000 | 9,978 |
| Premises and equipment expense | $72,000 | 10,016 |
| Additional noninterest expense | $174,000 | 10,241 |
| Pre-tax net operating income | $66,000 | 10,530 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $20,000 | 10,197 |
| Income before extraordinary items | $46,000 | 10,607 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $46,000 | 10,605 |
| 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 | $4,996,000 | 154 |
| Net operating income | $46,000 | 10,555 |
* 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.