Home > Cornerstone Bank & Trust > Income and Expense
Cornerstone Bank & Trust, Income and Expense
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,166,000 | 3,988 |
| Total interest expense | $742,000 | 3,677 |
| Net interest income | $2,424,000 | 4,014 |
| Provision for loan and lease losses | $362,000 | 2,720 |
| Total noninterest income | $419,000 | 3,462 |
| Gross Fiduciary activities income | $178,000 | 634 |
| Service charges on deposit accounts | $202,000 | 2,991 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $39,000 | 5,709 |
| Total noninterest expense | $2,154,000 | 3,974 |
| Salaries and employee benefits | $1,216,000 | 3,662 |
| Premises and equipment expense | $220,000 | 4,444 |
| Additional noninterest expense | $718,000 | 4,031 |
| Pre-tax net operating income | $327,000 | 4,497 |
| Securities gains (losses) | $4,000 | 2,586 |
| Applicable income taxes | $83,000 | 3,003 |
| Income before extraordinary items | $248,000 | 4,715 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $248,000 | 4,713 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $248,000 | 4,715 |
| Net charge-offs | $130,000 | 3,579 |
| Cash dividends | $350,000 | 1,761 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $245,000 | 4,651 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,560,000 | 4,056 |
| Total interest expense | $369,000 | 3,795 |
| Net interest income | $1,191,000 | 4,064 |
| Provision for loan and lease losses | $362,000 | 1,751 |
| Total noninterest income | $256,000 | 3,115 |
| Gross Fiduciary activities income | $85,000 | 645 |
| Service charges on deposit accounts | $83,000 | 3,354 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $88,000 | 3,764 |
| Total noninterest expense | $1,108,000 | 3,919 |
| Salaries and employee benefits | $617,000 | 3,643 |
| Premises and equipment expense | $110,000 | 4,476 |
| Additional noninterest expense | $381,000 | 3,853 |
| Pre-tax net operating income | $-23,000 | 6,471 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-28,000 | 7,118 |
| Income before extraordinary items | $5,000 | 6,321 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $5,000 | 6,320 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $5,000 | 6,321 |
| Net charge-offs | $119,000 | 2,569 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $5,000 | 6,284 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $6,432,000 | 4,122 |
| Total interest expense | $1,694,000 | 3,986 |
| Net interest income | $4,738,000 | 4,104 |
| Provision for loan and lease losses | $1,582,000 | 2,390 |
| Total noninterest income | $1,143,000 | 2,985 |
| Gross Fiduciary activities income | $353,000 | 634 |
| Service charges on deposit accounts | $446,000 | 2,870 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $344,000 | 3,745 |
| Total noninterest expense | $4,112,000 | 4,141 |
| Salaries and employee benefits | $2,393,000 | 3,704 |
| Premises and equipment expense | $402,000 | 4,741 |
| Additional noninterest expense | $1,317,000 | 4,357 |
| Pre-tax net operating income | $187,000 | 5,231 |
| Securities gains (losses) | $4,000 | 3,501 |
| Applicable income taxes | $-30,000 | 6,657 |
| Income before extraordinary items | $221,000 | 5,202 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $221,000 | 5,206 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $221,000 | 5,206 |
| Net charge-offs | $1,291,000 | 2,350 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $217,000 | 5,079 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,839,000 | 4,195 |
| Total interest expense | $1,294,000 | 4,075 |
| Net interest income | $3,545,000 | 4,163 |
| Provision for loan and lease losses | $1,185,000 | 2,291 |
| Total noninterest income | $799,000 | 3,157 |
| Gross Fiduciary activities income | $252,000 | 638 |
| Service charges on deposit accounts | $343,000 | 2,883 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $204,000 | 4,150 |
| Total noninterest expense | $3,089,000 | 4,135 |
| Salaries and employee benefits | $1,810,000 | 3,724 |
| Premises and equipment expense | $308,000 | 4,770 |
| Additional noninterest expense | $971,000 | 4,382 |
| Pre-tax net operating income | $70,000 | 5,726 |
| Securities gains (losses) | $4,000 | 3,332 |
| Applicable income taxes | $-1,000 | 6,769 |
| Income before extraordinary items | $75,000 | 5,836 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $75,000 | 5,838 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $75,000 | 5,838 |
| Net charge-offs | $549,000 | 2,946 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $71,000 | 5,704 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,160,000 | 4,286 |
| Total interest expense | $867,000 | 4,158 |
| Net interest income | $2,293,000 | 4,261 |
| Provision for loan and lease losses | $578,000 | 2,653 |
| Total noninterest income | $554,000 | 3,028 |
| Gross Fiduciary activities income | $185,000 | 623 |
| Service charges on deposit accounts | $219,000 | 2,973 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $150,000 | 3,983 |
| Total noninterest expense | $2,079,000 | 4,124 |
| Salaries and employee benefits | $1,178,000 | 3,817 |
| Premises and equipment expense | $201,000 | 4,858 |
| Additional noninterest expense | $700,000 | 4,166 |
| Pre-tax net operating income | $190,000 | 4,984 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $45,000 | 3,354 |
| Income before extraordinary items | $145,000 | 5,255 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $145,000 | 5,258 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $145,000 | 5,257 |
| Net charge-offs | $525,000 | 2,386 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $145,000 | 5,101 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,556,000 | 4,389 |
| Total interest expense | $442,000 | 4,238 |
| Net interest income | $1,114,000 | 4,350 |
| Provision for loan and lease losses | $326,000 | 2,291 |
| Total noninterest income | $215,000 | 3,496 |
| Gross Fiduciary activities income | $65,000 | 702 |
| Service charges on deposit accounts | $104,000 | 3,074 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $46,000 | 4,823 |
| Total noninterest expense | $1,039,000 | 4,172 |
| Salaries and employee benefits | $595,000 | 3,850 |
| Premises and equipment expense | $98,000 | 4,997 |
| Additional noninterest expense | $346,000 | 4,192 |
| Pre-tax net operating income | $-36,000 | 6,446 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-25,000 | 7,227 |
| Income before extraordinary items | $-11,000 | 6,450 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-11,000 | 6,452 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-11,000 | 6,451 |
| Net charge-offs | $270,000 | 2,135 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-11,000 | 6,359 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,334,000 | 4,458 |
| Total interest expense | $2,174,000 | 4,224 |
| Net interest income | $4,160,000 | 4,467 |
| Provision for loan and lease losses | $438,000 | 4,745 |
| Total noninterest income | $1,271,000 | 2,863 |
| Gross Fiduciary activities income | $225,000 | 731 |
| Service charges on deposit accounts | $449,000 | 3,098 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $597,000 | 2,910 |
| Total noninterest expense | $4,062,000 | 4,299 |
| Salaries and employee benefits | $2,365,000 | 3,855 |
| Premises and equipment expense | $435,000 | 4,769 |
| Additional noninterest expense | $1,262,000 | 4,598 |
| Pre-tax net operating income | $931,000 | 3,097 |
| Securities gains (losses) | $1,000 | 3,653 |
| Applicable income taxes | $214,000 | 2,325 |
| Income before extraordinary items | $718,000 | 3,326 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $718,000 | 3,325 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $718,000 | 3,325 |
| Net charge-offs | $156,000 | 5,287 |
| Cash dividends | $495,000 | 2,580 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $717,230 | 3,262 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,743,000 | 4,523 |
| Total interest expense | $1,684,000 | 4,287 |
| Net interest income | $3,059,000 | 4,529 |
| Provision for loan and lease losses | $363,000 | 4,316 |
| Total noninterest income | $1,034,000 | 2,761 |
| Gross Fiduciary activities income | $200,000 | 690 |
| Service charges on deposit accounts | $326,000 | 3,178 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $508,000 | 2,787 |
| Total noninterest expense | $3,192,000 | 4,175 |
| Salaries and employee benefits | $1,937,000 | 3,637 |
| Premises and equipment expense | $325,000 | 4,823 |
| Additional noninterest expense | $930,000 | 4,623 |
| Pre-tax net operating income | $538,000 | 3,789 |
| Securities gains (losses) | $1,000 | 3,393 |
| Applicable income taxes | $79,000 | 3,042 |
| Income before extraordinary items | $460,000 | 3,822 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $460,000 | 3,818 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $460,000 | 3,820 |
| Net charge-offs | $145,000 | 4,654 |
| Cash dividends | $120,000 | 3,486 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $459,150 | 3,739 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,178,000 | 4,548 |
| Total interest expense | $1,182,000 | 4,289 |
| Net interest income | $1,996,000 | 4,583 |
| Provision for loan and lease losses | $334,000 | 3,553 |
| Total noninterest income | $741,000 | 2,645 |
| Gross Fiduciary activities income | $129,000 | 706 |
| Service charges on deposit accounts | $196,000 | 3,358 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $416,000 | 2,497 |
| Total noninterest expense | $2,176,000 | 4,135 |
| Salaries and employee benefits | $1,313,000 | 3,631 |
| Premises and equipment expense | $226,000 | 4,734 |
| Additional noninterest expense | $637,000 | 4,546 |
| Pre-tax net operating income | $227,000 | 4,490 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-18,000 | 6,855 |
| Income before extraordinary items | $245,000 | 4,277 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $245,000 | 4,277 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $245,000 | 4,277 |
| Net charge-offs | $139,000 | 3,865 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $245,000 | 4,167 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,625,000 | 4,523 |
| Total interest expense | $641,000 | 4,195 |
| Net interest income | $984,000 | 4,628 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $337,000 | 2,808 |
| Gross Fiduciary activities income | $68,000 | 707 |
| Service charges on deposit accounts | $105,000 | 3,171 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $164,000 | 2,824 |
| Total noninterest expense | $1,027,000 | 4,233 |
| Salaries and employee benefits | $654,000 | 3,673 |
| Premises and equipment expense | $96,000 | 5,219 |
| Additional noninterest expense | $277,000 | 4,659 |
| Pre-tax net operating income | $294,000 | 3,368 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $62,000 | 2,702 |
| Income before extraordinary items | $232,000 | 3,598 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $232,000 | 3,598 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $232,000 | 3,599 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $232,000 | 3,460 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,739,000 | 4,593 |
| Total interest expense | $2,967,000 | 4,285 |
| Net interest income | $3,772,000 | 4,756 |
| Provision for loan and lease losses | $131,000 | 5,716 |
| Total noninterest income | $1,290,000 | 2,907 |
| Gross Fiduciary activities income | $316,000 | 669 |
| Service charges on deposit accounts | $536,000 | 2,860 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $438,000 | 3,427 |
| Total noninterest expense | $4,026,000 | 4,219 |
| Salaries and employee benefits | $2,432,000 | 3,848 |
| Premises and equipment expense | $430,000 | 4,891 |
| Additional noninterest expense | $1,164,000 | 4,384 |
| Pre-tax net operating income | $905,000 | 3,940 |
| Securities gains (losses) | $-994,000 | 7,740 |
| Applicable income taxes | $-111,000 | 7,099 |
| Income before extraordinary items | $22,000 | 6,131 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $22,000 | 6,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 4,095 |
| Cash dividends | $280,000 | 4,177 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $658,160 | 4,183 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,117,000 | 4,638 |
| Total interest expense | $2,245,000 | 4,382 |
| Net interest income | $2,872,000 | 4,739 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $941,000 | 3,017 |
| Gross Fiduciary activities income | $220,000 | 695 |
| Service charges on deposit accounts | $392,000 | 2,930 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $329,000 | 3,529 |
| Total noninterest expense | $3,057,000 | 4,161 |
| Salaries and employee benefits | $1,886,000 | 3,785 |
| Premises and equipment expense | $317,000 | 4,961 |
| Additional noninterest expense | $854,000 | 4,369 |
| Pre-tax net operating income | $756,000 | 4,201 |
| Securities gains (losses) | $-957,000 | 7,913 |
| Applicable income taxes | $-134,000 | 7,590 |
| Income before extraordinary items | $-67,000 | 6,725 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-67,000 | 6,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,073 |
| Cash dividends | $280,000 | 3,501 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $545,480 | 4,434 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,515,000 | 4,617 |
| Total interest expense | $1,547,000 | 4,429 |
| Net interest income | $1,968,000 | 4,665 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $611,000 | 3,104 |
| Gross Fiduciary activities income | $147,000 | 708 |
| Service charges on deposit accounts | $243,000 | 3,079 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $221,000 | 3,574 |
| Total noninterest expense | $2,016,000 | 4,209 |
| Salaries and employee benefits | $1,246,000 | 3,846 |
| Premises and equipment expense | $206,000 | 5,061 |
| Additional noninterest expense | $564,000 | 4,367 |
| Pre-tax net operating income | $563,000 | 4,152 |
| Securities gains (losses) | $5,000 | 2,725 |
| Applicable income taxes | $175,000 | 2,843 |
| Income before extraordinary items | $393,000 | 4,510 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $393,000 | 4,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 8,215 |
| Cash dividends | $220,000 | 3,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $389,550 | 4,474 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,801,000 | 4,631 |
| Total interest expense | $805,000 | 4,495 |
| Net interest income | $996,000 | 4,634 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $281,000 | 3,272 |
| Gross Fiduciary activities income | $76,000 | 712 |
| Service charges on deposit accounts | $108,000 | 3,299 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $97,000 | 3,825 |
| Total noninterest expense | $1,013,000 | 4,196 |
| Salaries and employee benefits | $622,000 | 3,869 |
| Premises and equipment expense | $111,000 | 4,858 |
| Additional noninterest expense | $280,000 | 4,333 |
| Pre-tax net operating income | $264,000 | 4,428 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $86,000 | 2,970 |
| Income before extraordinary items | $178,000 | 4,916 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $178,000 | 4,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $65,000 | 3,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $178,000 | 4,799 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,208,000 | 4,663 |
| Total interest expense | $3,320,000 | 4,493 |
| Net interest income | $3,888,000 | 4,712 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $1,143,000 | 3,240 |
| Gross Fiduciary activities income | $325,000 | 689 |
| Service charges on deposit accounts | $455,000 | 3,268 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $363,000 | 3,918 |
| Total noninterest expense | $3,812,000 | 4,277 |
| Salaries and employee benefits | $2,403,000 | 3,841 |
| Premises and equipment expense | $419,000 | 4,881 |
| Additional noninterest expense | $990,000 | 4,698 |
| Pre-tax net operating income | $1,219,000 | 4,323 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $402,000 | 3,023 |
| Income before extraordinary items | $817,000 | 4,751 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $817,000 | 4,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 3,137 |
| Cash dividends | $575,000 | 3,501 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $817,000 | 4,727 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,394,000 | 4,689 |
| Total interest expense | $2,443,000 | 4,546 |
| Net interest income | $2,951,000 | 4,683 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $849,000 | 3,266 |
| Gross Fiduciary activities income | $253,000 | 675 |
| Service charges on deposit accounts | $337,000 | 3,288 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $259,000 | 4,024 |
| Total noninterest expense | $2,868,000 | 4,223 |
| Salaries and employee benefits | $1,796,000 | 3,834 |
| Premises and equipment expense | $333,000 | 4,700 |
| Additional noninterest expense | $739,000 | 4,640 |
| Pre-tax net operating income | $932,000 | 4,519 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $307,000 | 3,174 |
| Income before extraordinary items | $625,000 | 4,924 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $625,000 | 4,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 2,576 |
| Cash dividends | $355,000 | 3,415 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $625,000 | 4,913 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,519,000 | 4,743 |
| Total interest expense | $1,591,000 | 4,604 |
| Net interest income | $1,928,000 | 4,779 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $564,000 | 3,294 |
| Gross Fiduciary activities income | $173,000 | 678 |
| Service charges on deposit accounts | $223,000 | 3,278 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $168,000 | 4,117 |
| Total noninterest expense | $1,910,000 | 4,252 |
| Salaries and employee benefits | $1,178,000 | 3,908 |
| Premises and equipment expense | $232,000 | 4,593 |
| Additional noninterest expense | $500,000 | 4,581 |
| Pre-tax net operating income | $582,000 | 4,739 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $195,000 | 3,309 |
| Income before extraordinary items | $387,000 | 5,143 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $387,000 | 5,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,005 |
| Cash dividends | $290,000 | 3,187 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $387,000 | 5,133 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,716,000 | 4,813 |
| Total interest expense | $772,000 | 4,673 |
| Net interest income | $944,000 | 4,851 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $284,000 | 3,229 |
| Gross Fiduciary activities income | $108,000 | 640 |
| Service charges on deposit accounts | $107,000 | 3,307 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $69,000 | 4,489 |
| Total noninterest expense | $941,000 | 4,314 |
| Salaries and employee benefits | $566,000 | 4,041 |
| Premises and equipment expense | $120,000 | 4,509 |
| Additional noninterest expense | $255,000 | 4,475 |
| Pre-tax net operating income | $287,000 | 4,748 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $101,000 | 3,256 |
| Income before extraordinary items | $186,000 | 5,227 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $186,000 | 5,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $90,000 | 3,231 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $186,000 | 5,210 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,587,000 | 4,729 |
| Total interest expense | $2,648,000 | 4,669 |
| Net interest income | $3,939,000 | 4,697 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $1,190,000 | 3,141 |
| Gross Fiduciary activities income | $379,000 | 651 |
| Service charges on deposit accounts | $389,000 | 3,592 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $422,000 | 3,648 |
| Total noninterest expense | $3,693,000 | 4,218 |
| Salaries and employee benefits | $2,270,000 | 3,882 |
| Premises and equipment expense | $469,000 | 4,453 |
| Additional noninterest expense | $954,000 | 4,663 |
| Pre-tax net operating income | $1,436,000 | 4,391 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $507,000 | 3,144 |
| Income before extraordinary items | $929,000 | 4,868 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $929,000 | 4,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,164 |
| Cash dividends | $671,000 | 3,275 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $929,000 | 4,862 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,880,000 | 4,754 |
| Total interest expense | $1,893,000 | 4,714 |
| Net interest income | $2,987,000 | 4,705 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $840,000 | 3,291 |
| Gross Fiduciary activities income | $304,000 | 630 |
| Service charges on deposit accounts | $281,000 | 3,694 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $255,000 | 4,066 |
| Total noninterest expense | $2,736,000 | 4,243 |
| Salaries and employee benefits | $1,702,000 | 3,878 |
| Premises and equipment expense | $386,000 | 4,188 |
| Additional noninterest expense | $648,000 | 4,974 |
| Pre-tax net operating income | $1,091,000 | 4,536 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $374,000 | 3,266 |
| Income before extraordinary items | $717,000 | 4,957 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $717,000 | 4,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,348 |
| Cash dividends | $420,000 | 3,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $717,000 | 4,948 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,206,000 | 4,759 |
| Total interest expense | $1,209,000 | 4,690 |
| Net interest income | $1,997,000 | 4,721 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $571,000 | 3,224 |
| Gross Fiduciary activities income | $221,000 | 618 |
| Service charges on deposit accounts | $170,000 | 3,875 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $180,000 | 3,942 |
| Total noninterest expense | $1,795,000 | 4,311 |
| Salaries and employee benefits | $1,108,000 | 3,971 |
| Premises and equipment expense | $254,000 | 4,231 |
| Additional noninterest expense | $433,000 | 4,954 |
| Pre-tax net operating income | $773,000 | 4,399 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $273,000 | 3,170 |
| Income before extraordinary items | $500,000 | 4,876 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $500,000 | 4,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $280,000 | 3,229 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $500,000 | 4,871 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,579,000 | 4,744 |
| Total interest expense | $578,000 | 4,682 |
| Net interest income | $1,001,000 | 4,711 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $254,000 | 3,427 |
| Gross Fiduciary activities income | $85,000 | 680 |
| Service charges on deposit accounts | $60,000 | 4,537 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $109,000 | 3,553 |
| Total noninterest expense | $894,000 | 4,339 |
| Salaries and employee benefits | $555,000 | 3,980 |
| Premises and equipment expense | $129,000 | 4,210 |
| Additional noninterest expense | $210,000 | 5,028 |
| Pre-tax net operating income | $361,000 | 4,525 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $133,000 | 3,205 |
| Income before extraordinary items | $228,000 | 5,046 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $228,000 | 5,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $90,000 | 3,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $228,000 | 5,036 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,418,000 | 4,903 |
| Total interest expense | $1,793,000 | 4,754 |
| Net interest income | $3,625,000 | 4,913 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $1,010,000 | 3,538 |
| Gross Fiduciary activities income | $362,000 | 651 |
| Service charges on deposit accounts | $251,000 | 4,569 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $397,000 | 3,789 |
| Total noninterest expense | $3,638,000 | 4,163 |
| Salaries and employee benefits | $2,270,000 | 3,765 |
| Premises and equipment expense | $526,000 | 4,024 |
| Additional noninterest expense | $842,000 | 4,981 |
| Pre-tax net operating income | $997,000 | 5,373 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $328,000 | 4,012 |
| Income before extraordinary items | $669,000 | 5,757 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $669,000 | 5,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 4,517 |
| Cash dividends | $382,000 | 4,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $669,000 | 5,735 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,912,000 | 4,992 |
| Total interest expense | $1,250,000 | 4,828 |
| Net interest income | $2,662,000 | 4,994 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $792,000 | 3,426 |
| Gross Fiduciary activities income | $294,000 | 632 |
| Service charges on deposit accounts | $178,000 | 4,710 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $320,000 | 3,688 |
| Total noninterest expense | $2,795,000 | 4,052 |
| Salaries and employee benefits | $1,761,000 | 3,634 |
| Premises and equipment expense | $402,000 | 3,957 |
| Additional noninterest expense | $632,000 | 4,948 |
| Pre-tax net operating income | $659,000 | 5,773 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $200,000 | 4,419 |
| Income before extraordinary items | $459,000 | 6,084 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $459,000 | 6,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,724 |
| Cash dividends | $222,000 | 3,936 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $459,000 | 6,059 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,538,000 | 5,013 |
| Total interest expense | $783,000 | 4,844 |
| Net interest income | $1,755,000 | 5,022 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $564,000 | 3,255 |
| Gross Fiduciary activities income | $215,000 | 620 |
| Service charges on deposit accounts | $112,000 | 4,793 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $237,000 | 3,461 |
| Total noninterest expense | $1,858,000 | 4,040 |
| Salaries and employee benefits | $1,168,000 | 3,641 |
| Premises and equipment expense | $264,000 | 3,973 |
| Additional noninterest expense | $426,000 | 4,889 |
| Pre-tax net operating income | $461,000 | 5,641 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $128,000 | 4,478 |
| Income before extraordinary items | $333,000 | 5,899 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $333,000 | 5,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 2,928 |
| Cash dividends | $182,000 | 3,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $333,000 | 5,850 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,228,000 | 5,108 |
| Total interest expense | $374,000 | 4,858 |
| Net interest income | $854,000 | 5,125 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $310,000 | 2,995 |
| Gross Fiduciary activities income | $131,000 | 584 |
| Service charges on deposit accounts | $52,000 | 4,904 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $127,000 | 3,295 |
| Total noninterest expense | $984,000 | 3,893 |
| Salaries and employee benefits | $625,000 | 3,449 |
| Premises and equipment expense | $129,000 | 4,103 |
| Additional noninterest expense | $230,000 | 4,642 |
| Pre-tax net operating income | $180,000 | 6,187 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $39,000 | 5,067 |
| Income before extraordinary items | $141,000 | 6,234 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $141,000 | 6,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 1,841 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $141,000 | 6,188 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,135,000 | 4,755 |
| Total interest expense | $1,530,000 | 4,460 |
| Net interest income | $3,605,000 | 4,819 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $1,043,000 | 3,445 |
| Gross Fiduciary activities income | $289,000 | 699 |
| Service charges on deposit accounts | $239,000 | 4,837 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $515,000 | 3,254 |
| Total noninterest expense | $3,894,000 | 3,846 |
| Salaries and employee benefits | $2,217,000 | 3,671 |
| Premises and equipment expense | $497,000 | 4,112 |
| Additional noninterest expense | $1,180,000 | 3,800 |
| Pre-tax net operating income | $754,000 | 5,933 |
| Securities gains (losses) | $16,000 | 2,543 |
| Applicable income taxes | $281,000 | 4,274 |
| Income before extraordinary items | $489,000 | 6,403 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $489,000 | 6,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,414 |
| Cash dividends | $235,000 | 4,686 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $478,760 | 6,369 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,897,000 | 4,692 |
| Total interest expense | $1,160,000 | 4,388 |
| Net interest income | $2,737,000 | 4,757 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $772,000 | 3,494 |
| Gross Fiduciary activities income | $223,000 | 691 |
| Service charges on deposit accounts | $181,000 | 4,846 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $368,000 | 3,350 |
| Total noninterest expense | $2,982,000 | 3,729 |
| Salaries and employee benefits | $1,666,000 | 3,651 |
| Premises and equipment expense | $360,000 | 4,208 |
| Additional noninterest expense | $956,000 | 3,552 |
| Pre-tax net operating income | $527,000 | 6,202 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $199,000 | 4,442 |
| Income before extraordinary items | $328,000 | 6,739 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $328,000 | 6,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,314 |
| Cash dividends | $70,000 | 4,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $328,000 | 6,663 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,504,000 | 4,843 |
| Total interest expense | $787,000 | 4,332 |
| Net interest income | $1,717,000 | 4,950 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $517,000 | 3,488 |
| Gross Fiduciary activities income | $150,000 | 695 |
| Service charges on deposit accounts | $121,000 | 4,859 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $246,000 | 3,353 |
| Total noninterest expense | $1,951,000 | 3,817 |
| Salaries and employee benefits | $1,093,000 | 3,719 |
| Premises and equipment expense | $226,000 | 4,401 |
| Additional noninterest expense | $632,000 | 3,589 |
| Pre-tax net operating income | $283,000 | 6,610 |
| Securities gains (losses) | $8,000 | 2,538 |
| Applicable income taxes | $99,000 | 4,856 |
| Income before extraordinary items | $192,000 | 6,981 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $192,000 | 6,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,493 |
| Cash dividends | $70,000 | 4,480 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $186,720 | 6,944 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,246,000 | 4,876 |
| Total interest expense | $397,000 | 4,362 |
| Net interest income | $849,000 | 4,997 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $213,000 | 3,910 |
| Gross Fiduciary activities income | $70,000 | 723 |
| Service charges on deposit accounts | $54,000 | 5,021 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $89,000 | 3,959 |
| Total noninterest expense | $929,000 | 3,993 |
| Salaries and employee benefits | $531,000 | 3,813 |
| Premises and equipment expense | $100,000 | 4,791 |
| Additional noninterest expense | $298,000 | 3,768 |
| Pre-tax net operating income | $133,000 | 6,682 |
| Securities gains (losses) | $8,000 | 2,145 |
| Applicable income taxes | $53,000 | 4,770 |
| Income before extraordinary items | $88,000 | 7,094 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $88,000 | 7,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,966 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $82,880 | 7,108 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $931,000 | 8,648 |
| Total interest expense | $331,000 | 8,357 |
| Net interest income | $600,000 | 8,693 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $222,000 | 7,164 |
| Gross Fiduciary activities income | $57,000 | 1,063 |
| Service charges on deposit accounts | $47,000 | 7,480 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $118,000 | 6,251 |
| Total noninterest expense | $712,000 | 8,430 |
| Salaries and employee benefits | $439,000 | 8,275 |
| Premises and equipment expense | $62,000 | 8,594 |
| Additional noninterest expense | $211,000 | 8,370 |
| Pre-tax net operating income | $110,000 | 8,165 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $43,000 | 6,385 |
| Income before extraordinary items | $67,000 | 8,395 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $67,000 | 8,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 3,141 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $67,000 | 8,291 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,028,000 | 4,700 |
| Total interest expense | $1,331,000 | 4,516 |
| Net interest income | $2,697,000 | 4,729 |
| Provision for loan and lease losses | $442,000 | 1,883 |
| Total noninterest income | $1,070,000 | 2,994 |
| Gross Fiduciary activities income | $224,000 | 707 |
| Service charges on deposit accounts | $157,000 | 5,204 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $689,000 | 2,589 |
| Total noninterest expense | $3,104,000 | 3,599 |
| Salaries and employee benefits | $1,463,000 | 4,003 |
| Premises and equipment expense | $526,000 | 3,074 |
| Additional noninterest expense | $1,115,000 | 3,093 |
| Pre-tax net operating income | $221,000 | 7,612 |
| Securities gains (losses) | $155,000 | 1,398 |
| Applicable income taxes | $290,000 | 3,979 |
| Income before extraordinary items | $86,000 | 8,315 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $86,000 | 8,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 2,434 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-13,200 | 8,663 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,739,000 | 4,681 |
| Total interest expense | $902,000 | 4,572 |
| Net interest income | $1,837,000 | 4,648 |
| Provision for loan and lease losses | $202,000 | 2,495 |
| Total noninterest income | $825,000 | 2,697 |
| Gross Fiduciary activities income | $159,000 | 693 |
| Service charges on deposit accounts | $105,000 | 5,161 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $561,000 | 2,274 |
| Total noninterest expense | $2,121,000 | 3,507 |
| Salaries and employee benefits | $969,000 | 4,012 |
| Premises and equipment expense | $357,000 | 3,030 |
| Additional noninterest expense | $795,000 | 2,883 |
| Pre-tax net operating income | $339,000 | 6,248 |
| Securities gains (losses) | $155,000 | 1,207 |
| Applicable income taxes | $252,000 | 3,542 |
| Income before extraordinary items | $242,000 | 6,595 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $242,000 | 6,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,655 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $142,800 | 7,337 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,419,000 | 4,574 |
| Total interest expense | $457,000 | 4,618 |
| Net interest income | $962,000 | 4,512 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $415,000 | 2,599 |
| Gross Fiduciary activities income | $67,000 | 745 |
| Service charges on deposit accounts | $47,000 | 5,348 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $301,000 | 2,103 |
| Total noninterest expense | $1,118,000 | 3,346 |
| Salaries and employee benefits | $482,000 | 4,017 |
| Premises and equipment expense | $185,000 | 2,937 |
| Additional noninterest expense | $451,000 | 2,562 |
| Pre-tax net operating income | $259,000 | 5,183 |
| Securities gains (losses) | $155,000 | 776 |
| Applicable income taxes | $176,000 | 2,913 |
| Income before extraordinary items | $238,000 | 4,844 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $238,000 | 4,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $138,800 | 6,032 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,853,000 | 4,643 |
| Total interest expense | $2,119,000 | 4,619 |
| Net interest income | $3,734,000 | 4,552 |
| Provision for loan and lease losses | $135,000 | 5,121 |
| Total noninterest income | $1,125,000 | 3,201 |
| Gross Fiduciary activities income | $287,000 | 726 |
| Service charges on deposit accounts | $205,000 | 5,141 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $633,000 | 2,880 |
| Total noninterest expense | $3,854,000 | 3,661 |
| Salaries and employee benefits | $1,969,000 | 3,785 |
| Premises and equipment expense | $765,000 | 2,774 |
| Additional noninterest expense | $1,120,000 | 3,811 |
| Pre-tax net operating income | $870,000 | 5,564 |
| Securities gains (losses) | $79,000 | 1,976 |
| Applicable income taxes | $205,000 | 5,072 |
| Income before extraordinary items | $744,000 | 5,390 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $744,000 | 5,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 4,186 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $682,380 | 5,483 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,462,000 | 4,249 |
| Total interest expense | $3,948,000 | 3,844 |
| Net interest income | $3,514,000 | 4,544 |
| Provision for loan and lease losses | $360,000 | 2,816 |
| Total noninterest income | $551,000 | 4,803 |
| Gross Fiduciary activities income | $252,000 | 775 |
| Service charges on deposit accounts | $176,000 | 5,441 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $123,000 | 5,948 |
| Total noninterest expense | $3,413,000 | 3,907 |
| Salaries and employee benefits | $1,706,000 | 4,092 |
| Premises and equipment expense | $768,000 | 2,739 |
| Additional noninterest expense | $939,000 | 4,270 |
| Pre-tax net operating income | $292,000 | 7,449 |
| Securities gains (losses) | $63,000 | 2,155 |
| Applicable income taxes | $-15,000 | 9,030 |
| Income before extraordinary items | $370,000 | 6,737 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $370,000 | 6,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 3,179 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $509,000 | 494 |
| Net operating income | $307,000 | 6,975 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,835,000 | 4,674 |
| Total interest expense | $4,123,000 | 3,880 |
| Net interest income | $2,712,000 | 5,524 |
| Provision for loan and lease losses | $170,000 | 4,137 |
| Total noninterest income | $441,000 | 5,250 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $166,000 | 5,543 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $275,000 | 4,106 |
| Total noninterest expense | $3,292,000 | 3,919 |
| Salaries and employee benefits | $1,723,000 | 3,908 |
| Premises and equipment expense | $813,000 | 2,530 |
| Additional noninterest expense | $756,000 | 4,916 |
| Pre-tax net operating income | $-309,000 | 9,421 |
| Securities gains (losses) | $-29,000 | 8,927 |
| Applicable income taxes | $9,000 | 8,091 |
| Income before extraordinary items | $-347,000 | 9,480 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-347,000 | 9,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $271,000 | 1,950 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-318,000 | 9,461 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,094,000 | 5,504 |
| Total interest expense | $2,686,000 | 4,993 |
| Net interest income | $2,408,000 | 5,944 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $264,000 | 6,800 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $124,000 | 6,281 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $140,000 | 5,767 |
| Total noninterest expense | $2,745,000 | 4,538 |
| Salaries and employee benefits | $1,498,000 | 4,350 |
| Premises and equipment expense | $503,000 | 3,750 |
| Additional noninterest expense | $744,000 | 5,040 |
| Pre-tax net operating income | $-193,000 | 9,624 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $27,000 | 8,078 |
| Income before extraordinary items | $-220,000 | 9,699 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-220,000 | 9,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,383 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $1,083,000 | 495 |
| Net operating income | $-220,000 | 9,674 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,868,000 | 5,786 |
| Total interest expense | $2,730,000 | 5,054 |
| Net interest income | $2,138,000 | 6,415 |
| Provision for loan and lease losses | $74,000 | 5,769 |
| Total noninterest income | $129,000 | 8,562 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $96,000 | 6,938 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 8,867 |
| Total noninterest expense | $1,945,000 | 5,704 |
| Salaries and employee benefits | $1,118,000 | 5,342 |
| Premises and equipment expense | $340,000 | 4,977 |
| Additional noninterest expense | $487,000 | 6,534 |
| Pre-tax net operating income | $248,000 | 8,676 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $136,000 | 7,036 |
| Income before extraordinary items | $115,000 | 9,224 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $115,000 | 9,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,100 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $113,080 | 9,169 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,215,000 | 6,455 |
| Total interest expense | $2,300,000 | 5,720 |
| Net interest income | $1,915,000 | 7,095 |
| Provision for loan and lease losses | $62,000 | 6,121 |
| Total noninterest income | $371,000 | 5,977 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 7,887 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $301,000 | 3,921 |
| Total noninterest expense | $1,975,000 | 5,707 |
| Salaries and employee benefits | $1,163,000 | 5,231 |
| Premises and equipment expense | $336,000 | 5,059 |
| Additional noninterest expense | $476,000 | 6,711 |
| Pre-tax net operating income | $249,000 | 9,297 |
| Securities gains (losses) | $-6,000 | 9,765 |
| Applicable income taxes | $27,000 | 9,605 |
| Income before extraordinary items | $216,000 | 9,015 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $216,000 | 9,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 10,349 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $221,340 | 8,944 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,554,000 | 7,323 |
| Total interest expense | $1,869,000 | 6,683 |
| Net interest income | $1,685,000 | 7,826 |
| Provision for loan and lease losses | $25,000 | 7,649 |
| Total noninterest income | $114,000 | 9,634 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 8,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,538 |
| Total noninterest expense | $1,836,000 | 6,305 |
| Salaries and employee benefits | $1,107,000 | 5,558 |
| Premises and equipment expense | $292,000 | 5,694 |
| Additional noninterest expense | $437,000 | 7,571 |
| Pre-tax net operating income | $-62,000 | 10,912 |
| Securities gains (losses) | $75,000 | 1,102 |
| Applicable income taxes | $50,000 | 9,685 |
| Income before extraordinary items | $-37,000 | 10,903 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-37,000 | 10,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,952 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-85,000 | 10,929 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,265,000 | 7,838 |
| Total interest expense | $1,567,000 | 7,511 |
| Net interest income | $1,698,000 | 8,023 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $166,000 | 9,032 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 8,310 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,713 |
| Total noninterest expense | $1,374,000 | 7,670 |
| Salaries and employee benefits | $777,000 | 7,228 |
| Premises and equipment expense | $234,000 | 6,603 |
| Additional noninterest expense | $363,000 | 8,565 |
| Pre-tax net operating income | $490,000 | 8,486 |
| Securities gains (losses) | $30,000 | 1,626 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $520,000 | 7,102 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $520,000 | 7,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 2,583 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $490,000 | 7,293 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,928,000 | 8,175 |
| Total interest expense | $1,137,000 | 8,154 |
| Net interest income | $1,791,000 | 8,066 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $87,000 | 11,062 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 9,379 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 10,920 |
| Total noninterest expense | $1,137,000 | 8,846 |
| Salaries and employee benefits | $622,000 | 8,471 |
| Premises and equipment expense | $156,000 | 8,394 |
| Additional noninterest expense | $359,000 | 9,251 |
| Pre-tax net operating income | $741,000 | 7,182 |
| Securities gains (losses) | $-111,000 | 11,601 |
| Applicable income taxes | $137,000 | 8,576 |
| Income before extraordinary items | $493,000 | 7,372 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $493,000 | 7,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,012 |
| Cash dividends | $340,000 | 4,156 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $579,580 | 6,753 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,971,000 | 8,386 |
| Total interest expense | $1,070,000 | 8,801 |
| Net interest income | $1,901,000 | 7,951 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $110,000 | 11,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 9,720 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 10,038 |
| Total noninterest expense | $1,084,000 | 9,384 |
| Salaries and employee benefits | $616,000 | 8,665 |
| Premises and equipment expense | $146,000 | 9,019 |
| Additional noninterest expense | $322,000 | 10,168 |
| Pre-tax net operating income | $927,000 | 6,219 |
| Securities gains (losses) | $8,000 | 5,699 |
| Applicable income taxes | $243,000 | 6,914 |
| Income before extraordinary items | $692,000 | 6,166 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $692,000 | 6,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-81,000 | 12,866 |
| Cash dividends | $400,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $686,080 | 5,942 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,248,000 | 8,561 |
| Total interest expense | $1,412,000 | 8,802 |
| Net interest income | $1,836,000 | 8,233 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $116,000 | 11,297 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 9,734 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 10,352 |
| Total noninterest expense | $1,204,000 | 9,015 |
| Salaries and employee benefits | $588,000 | 8,917 |
| Premises and equipment expense | $156,000 | 8,945 |
| Additional noninterest expense | $460,000 | 8,867 |
| Pre-tax net operating income | $748,000 | 6,837 |
| Securities gains (losses) | $16,000 | 5,884 |
| Applicable income taxes | $292,000 | 6,046 |
| Income before extraordinary items | $472,000 | 7,568 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $472,000 | 7,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 10,870 |
| Cash dividends | $820,000 | 1,865 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $461,760 | 7,291 |
* 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.