Home > Cornerstone Community Bank > Income and Expense
Cornerstone Community Bank, Income and Expense
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $2,465,000 | 2,436 |
| Total interest expense | $159,000 | 3,240 |
| Net interest income | $2,306,000 | 2,345 |
| Provision for loan and lease losses | $130,000 | 1,308 |
| Total noninterest income | $213,000 | 3,261 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $84,000 | 2,723 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $129,000 | 3,183 |
| Total noninterest expense | $1,584,000 | 2,754 |
| Salaries and employee benefits | $832,000 | 2,869 |
| Premises and equipment expense | $221,000 | 2,359 |
| Additional noninterest expense | $531,000 | 2,649 |
| Pre-tax net operating income | $805,000 | 2,265 |
| Securities gains (losses) | $0 | 2,077 |
| Applicable income taxes | $247,000 | 1,665 |
| Income before extraordinary items | $558,000 | 2,570 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $558,000 | 2,570 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $558,000 | 2,570 |
| Net charge-offs | $86,000 | 1,095 |
| Cash dividends | $30,000 | 2,732 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 422 |
| Net operating income | $558,000 | 2,524 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $8,630,000 | 2,688 |
| Total interest expense | $547,000 | 3,568 |
| Net interest income | $8,083,000 | 2,581 |
| Provision for loan and lease losses | $132,000 | 2,754 |
| Total noninterest income | $897,000 | 3,260 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $359,000 | 2,722 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $538,000 | 3,189 |
| Total noninterest expense | $6,742,000 | 2,627 |
| Salaries and employee benefits | $3,906,000 | 2,544 |
| Premises and equipment expense | $888,000 | 2,377 |
| Additional noninterest expense | $1,948,000 | 2,845 |
| Pre-tax net operating income | $2,106,000 | 2,906 |
| Securities gains (losses) | $173,000 | 827 |
| Applicable income taxes | $640,000 | 2,007 |
| Income before extraordinary items | $1,639,000 | 3,073 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,639,000 | 3,074 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,639,000 | 3,075 |
| Net charge-offs | $35,000 | 3,482 |
| Cash dividends | $188,000 | 3,735 |
| Sale, conversion, retirement of capital stock, net | $93,000 | 531 |
| Net operating income | $1,514,440 | 3,162 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $6,357,000 | 2,750 |
| Total interest expense | $400,000 | 3,658 |
| Net interest income | $5,957,000 | 2,629 |
| Provision for loan and lease losses | $99,000 | 2,690 |
| Total noninterest income | $660,000 | 3,309 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $261,000 | 2,781 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $399,000 | 3,220 |
| Total noninterest expense | $5,011,000 | 2,659 |
| Salaries and employee benefits | $2,887,000 | 2,578 |
| Premises and equipment expense | $653,000 | 2,431 |
| Additional noninterest expense | $1,471,000 | 2,828 |
| Pre-tax net operating income | $1,507,000 | 3,064 |
| Securities gains (losses) | $173,000 | 723 |
| Applicable income taxes | $469,000 | 2,070 |
| Income before extraordinary items | $1,211,000 | 3,162 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,211,000 | 3,161 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,211,000 | 3,162 |
| Net charge-offs | $-16,000 | 5,293 |
| Cash dividends | $55,000 | 3,638 |
| Sale, conversion, retirement of capital stock, net | $67,000 | 505 |
| Net operating income | $1,086,440 | 3,305 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $4,133,000 | 2,792 |
| Total interest expense | $262,000 | 3,720 |
| Net interest income | $3,871,000 | 2,689 |
| Provision for loan and lease losses | $66,000 | 2,603 |
| Total noninterest income | $442,000 | 3,299 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $179,000 | 2,710 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $263,000 | 3,235 |
| Total noninterest expense | $3,369,000 | 2,668 |
| Salaries and employee benefits | $1,926,000 | 2,594 |
| Premises and equipment expense | $437,000 | 2,427 |
| Additional noninterest expense | $1,006,000 | 2,795 |
| Pre-tax net operating income | $878,000 | 3,308 |
| Securities gains (losses) | $173,000 | 587 |
| Applicable income taxes | $289,000 | 2,156 |
| Income before extraordinary items | $762,000 | 3,255 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $762,000 | 3,255 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $762,000 | 3,256 |
| Net charge-offs | $12,000 | 3,188 |
| Cash dividends | $45,000 | 3,475 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 484 |
| Net operating income | $635,710 | 3,512 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $2,038,000 | 2,826 |
| Total interest expense | $131,000 | 3,747 |
| Net interest income | $1,907,000 | 2,707 |
| Provision for loan and lease losses | $33,000 | 2,420 |
| Total noninterest income | $218,000 | 3,279 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $86,000 | 2,760 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $132,000 | 3,214 |
| Total noninterest expense | $1,706,000 | 2,646 |
| Salaries and employee benefits | $975,000 | 2,577 |
| Premises and equipment expense | $220,000 | 2,457 |
| Additional noninterest expense | $511,000 | 2,740 |
| Pre-tax net operating income | $386,000 | 3,435 |
| Securities gains (losses) | $66,000 | 735 |
| Applicable income taxes | $120,000 | 2,306 |
| Income before extraordinary items | $332,000 | 3,464 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $332,000 | 3,467 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $332,000 | 3,467 |
| Net charge-offs | $-58,000 | 5,991 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 468 |
| Net operating income | $283,820 | 3,660 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $8,131,000 | 2,858 |
| Total interest expense | $567,000 | 3,752 |
| Net interest income | $7,564,000 | 2,748 |
| Provision for loan and lease losses | $110,000 | 3,095 |
| Total noninterest income | $844,000 | 3,393 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $449,000 | 2,464 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $395,000 | 3,621 |
| Total noninterest expense | $6,645,000 | 2,715 |
| Salaries and employee benefits | $3,690,000 | 2,671 |
| Premises and equipment expense | $883,000 | 2,478 |
| Additional noninterest expense | $2,072,000 | 2,805 |
| Pre-tax net operating income | $1,653,000 | 3,307 |
| Securities gains (losses) | $52,000 | 1,709 |
| Applicable income taxes | $464,000 | 2,269 |
| Income before extraordinary items | $1,241,000 | 3,564 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $1,241,000 | 3,565 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,241,000 | 3,566 |
| Net charge-offs | $551,000 | 1,380 |
| Cash dividends | $400,000 | 3,108 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 654 |
| Net operating income | $1,203,040 | 3,573 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $6,182,000 | 2,850 |
| Total interest expense | $438,000 | 3,749 |
| Net interest income | $5,744,000 | 2,737 |
| Provision for loan and lease losses | $0 | 4,401 |
| Total noninterest income | $692,000 | 3,262 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $330,000 | 2,532 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $362,000 | 3,347 |
| Total noninterest expense | $4,972,000 | 2,727 |
| Salaries and employee benefits | $2,732,000 | 2,696 |
| Premises and equipment expense | $664,000 | 2,503 |
| Additional noninterest expense | $1,576,000 | 2,769 |
| Pre-tax net operating income | $1,464,000 | 3,073 |
| Securities gains (losses) | $52,000 | 1,422 |
| Applicable income taxes | $434,000 | 2,101 |
| Income before extraordinary items | $1,082,000 | 3,350 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,082,000 | 3,351 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,082,000 | 3,351 |
| Net charge-offs | $389,000 | 1,373 |
| Cash dividends | $400,000 | 2,448 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 669 |
| Net operating income | $1,045,080 | 3,368 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $4,163,000 | 2,825 |
| Total interest expense | $304,000 | 3,705 |
| Net interest income | $3,859,000 | 2,721 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $499,000 | 3,119 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $218,000 | 2,517 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $281,000 | 3,131 |
| Total noninterest expense | $3,310,000 | 2,750 |
| Salaries and employee benefits | $1,805,000 | 2,730 |
| Premises and equipment expense | $435,000 | 2,545 |
| Additional noninterest expense | $1,070,000 | 2,732 |
| Pre-tax net operating income | $1,048,000 | 2,881 |
| Securities gains (losses) | $-13,000 | 6,326 |
| Applicable income taxes | $299,000 | 2,038 |
| Income before extraordinary items | $736,000 | 3,254 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $736,000 | 3,260 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $736,000 | 3,260 |
| Net charge-offs | $89,000 | 2,290 |
| Cash dividends | $150,000 | 2,917 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $745,230 | 3,190 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $2,085,000 | 2,832 |
| Total interest expense | $162,000 | 3,607 |
| Net interest income | $1,923,000 | 2,710 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $261,000 | 2,999 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $106,000 | 2,552 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $155,000 | 2,925 |
| Total noninterest expense | $1,658,000 | 2,746 |
| Salaries and employee benefits | $900,000 | 2,749 |
| Premises and equipment expense | $205,000 | 2,713 |
| Additional noninterest expense | $553,000 | 2,672 |
| Pre-tax net operating income | $526,000 | 2,799 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $151,000 | 2,003 |
| Income before extraordinary items | $375,000 | 3,136 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $375,000 | 3,138 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $375,000 | 3,139 |
| Net charge-offs | $-15,000 | 5,922 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $375,000 | 3,098 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $8,385,000 | 2,838 |
| Total interest expense | $872,000 | 3,255 |
| Net interest income | $7,513,000 | 2,763 |
| Provision for loan and lease losses | $145,000 | 3,307 |
| Total noninterest income | $821,000 | 3,570 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $375,000 | 2,958 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $446,000 | 3,512 |
| Total noninterest expense | $6,599,000 | 2,762 |
| Salaries and employee benefits | $3,382,000 | 2,874 |
| Premises and equipment expense | $864,000 | 2,556 |
| Additional noninterest expense | $2,353,000 | 2,599 |
| Pre-tax net operating income | $1,590,000 | 3,301 |
| Securities gains (losses) | $114,000 | 1,223 |
| Applicable income taxes | $468,000 | 2,231 |
| Income before extraordinary items | $1,236,000 | 3,497 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,236,000 | 3,499 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $1,236,000 | 3,500 |
| Net charge-offs | $288,000 | 2,623 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $1,152,780 | 3,599 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $6,256,000 | 2,866 |
| Total interest expense | $664,000 | 3,302 |
| Net interest income | $5,592,000 | 2,783 |
| Provision for loan and lease losses | $100,000 | 3,343 |
| Total noninterest income | $652,000 | 3,531 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $273,000 | 3,036 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $379,000 | 3,401 |
| Total noninterest expense | $4,942,000 | 2,775 |
| Salaries and employee benefits | $2,513,000 | 2,902 |
| Premises and equipment expense | $655,000 | 2,553 |
| Additional noninterest expense | $1,774,000 | 2,584 |
| Pre-tax net operating income | $1,202,000 | 3,362 |
| Securities gains (losses) | $114,000 | 1,133 |
| Applicable income taxes | $366,000 | 2,228 |
| Income before extraordinary items | $950,000 | 3,514 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $950,000 | 3,516 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $950,000 | 3,518 |
| Net charge-offs | $280,000 | 2,188 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $867,920 | 3,604 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $4,172,000 | 2,864 |
| Total interest expense | $460,000 | 3,271 |
| Net interest income | $3,712,000 | 2,780 |
| Provision for loan and lease losses | $100,000 | 2,924 |
| Total noninterest income | $461,000 | 3,439 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $174,000 | 3,089 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $287,000 | 3,265 |
| Total noninterest expense | $3,330,000 | 2,750 |
| Salaries and employee benefits | $1,678,000 | 2,911 |
| Premises and equipment expense | $439,000 | 2,544 |
| Additional noninterest expense | $1,213,000 | 2,512 |
| Pre-tax net operating income | $743,000 | 3,465 |
| Securities gains (losses) | $83,000 | 1,225 |
| Applicable income taxes | $223,000 | 2,325 |
| Income before extraordinary items | $603,000 | 3,600 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $603,000 | 3,602 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $603,000 | 3,603 |
| Net charge-offs | $176,000 | 2,230 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $542,410 | 3,682 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,131,000 | 2,838 |
| Total interest expense | $244,000 | 3,224 |
| Net interest income | $1,887,000 | 2,752 |
| Provision for loan and lease losses | $50,000 | 2,783 |
| Total noninterest income | $240,000 | 3,360 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $87,000 | 3,070 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $153,000 | 3,150 |
| Total noninterest expense | $1,734,000 | 2,700 |
| Salaries and employee benefits | $854,000 | 2,889 |
| Premises and equipment expense | $220,000 | 2,566 |
| Additional noninterest expense | $660,000 | 2,345 |
| Pre-tax net operating income | $343,000 | 3,550 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $81,000 | 2,595 |
| Income before extraordinary items | $262,000 | 3,807 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $262,000 | 3,806 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $262,000 | 3,809 |
| Net charge-offs | $30,000 | 2,794 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $262,000 | 3,700 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $9,177,000 | 2,780 |
| Total interest expense | $1,557,000 | 2,629 |
| Net interest income | $7,620,000 | 2,769 |
| Provision for loan and lease losses | $37,000 | 5,348 |
| Total noninterest income | $653,000 | 4,017 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $386,000 | 3,000 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $267,000 | 4,195 |
| Total noninterest expense | $7,549,000 | 2,491 |
| Salaries and employee benefits | $3,453,000 | 2,824 |
| Premises and equipment expense | $1,001,000 | 2,278 |
| Additional noninterest expense | $3,095,000 | 2,092 |
| Pre-tax net operating income | $687,000 | 4,538 |
| Securities gains (losses) | $232,000 | 1,574 |
| Applicable income taxes | $133,000 | 3,305 |
| Income before extraordinary items | $786,000 | 4,290 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $786,000 | 4,288 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $786,000 | 4,290 |
| Net charge-offs | $1,893,000 | 1,213 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 945 |
| Net operating income | $586,480 | 4,543 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $6,973,000 | 2,812 |
| Total interest expense | $1,269,000 | 2,577 |
| Net interest income | $5,704,000 | 2,814 |
| Provision for loan and lease losses | $126,000 | 4,119 |
| Total noninterest income | $488,000 | 4,053 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $282,000 | 3,093 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $206,000 | 4,209 |
| Total noninterest expense | $5,609,000 | 2,520 |
| Salaries and employee benefits | $2,610,000 | 2,811 |
| Premises and equipment expense | $765,000 | 2,269 |
| Additional noninterest expense | $2,234,000 | 2,174 |
| Pre-tax net operating income | $457,000 | 4,825 |
| Securities gains (losses) | $153,000 | 1,648 |
| Applicable income taxes | $64,000 | 3,656 |
| Income before extraordinary items | $546,000 | 4,537 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $546,000 | 4,536 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $546,000 | 4,535 |
| Net charge-offs | $1,169,000 | 1,316 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 896 |
| Net operating income | $408,300 | 4,780 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,674,000 | 2,822 |
| Total interest expense | $916,000 | 2,479 |
| Net interest income | $3,758,000 | 2,848 |
| Provision for loan and lease losses | $126,000 | 3,559 |
| Total noninterest income | $406,000 | 3,638 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $191,000 | 3,047 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $215,000 | 3,568 |
| Total noninterest expense | $3,796,000 | 2,492 |
| Salaries and employee benefits | $1,801,000 | 2,732 |
| Premises and equipment expense | $502,000 | 2,279 |
| Additional noninterest expense | $1,493,000 | 2,169 |
| Pre-tax net operating income | $242,000 | 5,090 |
| Securities gains (losses) | $153,000 | 1,303 |
| Applicable income taxes | $35,000 | 3,742 |
| Income before extraordinary items | $360,000 | 4,533 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $360,000 | 4,537 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $360,000 | 4,537 |
| Net charge-offs | $598,000 | 1,602 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 880 |
| Net operating income | $220,770 | 5,027 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,409,000 | 2,757 |
| Total interest expense | $481,000 | 2,453 |
| Net interest income | $1,928,000 | 2,805 |
| Provision for loan and lease losses | $126,000 | 2,598 |
| Total noninterest income | $209,000 | 3,562 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $102,000 | 2,891 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $107,000 | 3,599 |
| Total noninterest expense | $1,951,000 | 2,425 |
| Salaries and employee benefits | $932,000 | 2,664 |
| Premises and equipment expense | $256,000 | 2,256 |
| Additional noninterest expense | $763,000 | 2,118 |
| Pre-tax net operating income | $60,000 | 5,821 |
| Securities gains (losses) | $76,000 | 1,031 |
| Applicable income taxes | $-9,000 | 6,971 |
| Income before extraordinary items | $145,000 | 4,901 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $145,000 | 4,903 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $145,000 | 4,904 |
| Net charge-offs | $21,000 | 3,656 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 805 |
| Net operating income | $69,000 | 5,611 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $11,082,000 | 2,518 |
| Total interest expense | $2,583,000 | 2,232 |
| Net interest income | $8,499,000 | 2,575 |
| Provision for loan and lease losses | $1,971,000 | 1,590 |
| Total noninterest income | $136,000 | 6,143 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $493,000 | 2,611 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-357,000 | 7,043 |
| Total noninterest expense | $7,851,000 | 2,413 |
| Salaries and employee benefits | $3,595,000 | 2,688 |
| Premises and equipment expense | $1,023,000 | 2,373 |
| Additional noninterest expense | $3,233,000 | 2,061 |
| Pre-tax net operating income | $-1,187,000 | 6,632 |
| Securities gains (losses) | $313,000 | 1,105 |
| Applicable income taxes | $-640,000 | 7,107 |
| Income before extraordinary items | $-234,000 | 6,354 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-234,000 | 6,357 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-234,000 | 6,357 |
| Net charge-offs | $2,871,000 | 1,229 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,038 |
| Net operating income | $-434,320 | 6,408 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $8,489,000 | 2,498 |
| Total interest expense | $2,008,000 | 2,240 |
| Net interest income | $6,481,000 | 2,552 |
| Provision for loan and lease losses | $1,252,000 | 1,704 |
| Total noninterest income | $557,000 | 3,690 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $377,000 | 2,578 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $180,000 | 4,250 |
| Total noninterest expense | $5,831,000 | 2,442 |
| Salaries and employee benefits | $2,664,000 | 2,707 |
| Premises and equipment expense | $781,000 | 2,356 |
| Additional noninterest expense | $2,386,000 | 2,092 |
| Pre-tax net operating income | $-45,000 | 6,212 |
| Securities gains (losses) | $313,000 | 899 |
| Applicable income taxes | $-104,000 | 7,003 |
| Income before extraordinary items | $372,000 | 4,772 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $372,000 | 4,773 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $372,000 | 4,773 |
| Net charge-offs | $1,667,000 | 1,387 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 989 |
| Net operating income | $59,000 | 5,940 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,797,000 | 2,449 |
| Total interest expense | $1,390,000 | 2,252 |
| Net interest income | $4,407,000 | 2,506 |
| Provision for loan and lease losses | $1,027,000 | 1,475 |
| Total noninterest income | $267,000 | 4,354 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $245,000 | 2,603 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $22,000 | 6,181 |
| Total noninterest expense | $3,809,000 | 2,492 |
| Salaries and employee benefits | $1,709,000 | 2,824 |
| Premises and equipment expense | $529,000 | 2,342 |
| Additional noninterest expense | $1,571,000 | 2,162 |
| Pre-tax net operating income | $-162,000 | 6,523 |
| Securities gains (losses) | $281,000 | 565 |
| Applicable income taxes | $-127,000 | 7,149 |
| Income before extraordinary items | $246,000 | 4,733 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $246,000 | 4,732 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $246,000 | 4,733 |
| Net charge-offs | $1,335,000 | 1,227 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 928 |
| Net operating income | $-35,000 | 6,330 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,920,000 | 2,444 |
| Total interest expense | $724,000 | 2,246 |
| Net interest income | $2,196,000 | 2,511 |
| Provision for loan and lease losses | $179,000 | 2,592 |
| Total noninterest income | $-20,000 | 7,354 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $119,000 | 2,627 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-139,000 | 7,396 |
| Total noninterest expense | $2,023,000 | 2,405 |
| Salaries and employee benefits | $883,000 | 2,754 |
| Premises and equipment expense | $270,000 | 2,320 |
| Additional noninterest expense | $870,000 | 1,950 |
| Pre-tax net operating income | $-26,000 | 6,485 |
| Securities gains (losses) | $280,000 | 265 |
| Applicable income taxes | $11,000 | 3,738 |
| Income before extraordinary items | $243,000 | 3,643 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $243,000 | 3,643 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $243,000 | 3,642 |
| Net charge-offs | $506,000 | 1,329 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 891 |
| Net operating income | $-25,800 | 6,499 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $13,731,000 | 2,203 |
| Total interest expense | $4,452,000 | 1,813 |
| Net interest income | $9,279,000 | 2,352 |
| Provision for loan and lease losses | $9,602,000 | 684 |
| Total noninterest income | $30,000 | 7,148 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $557,000 | 2,441 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-527,000 | 7,405 |
| Total noninterest expense | $8,770,000 | 2,213 |
| Salaries and employee benefits | $4,053,000 | 2,383 |
| Premises and equipment expense | $1,173,000 | 2,147 |
| Additional noninterest expense | $3,544,000 | 1,989 |
| Pre-tax net operating income | $-9,063,000 | 7,324 |
| Securities gains (losses) | $534,000 | 844 |
| Applicable income taxes | $-3,536,000 | 7,553 |
| Income before extraordinary items | $-4,993,000 | 7,174 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,993,000 | 7,174 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-4,993,000 | 7,174 |
| Net charge-offs | $8,157,000 | 705 |
| Cash dividends | $10,000 | 4,148 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 1,173 |
| Net operating income | $-5,334,760 | 7,177 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $10,506,000 | 2,206 |
| Total interest expense | $3,476,000 | 1,816 |
| Net interest income | $7,030,000 | 2,367 |
| Provision for loan and lease losses | $9,580,000 | 514 |
| Total noninterest income | $-275,000 | 7,592 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $423,000 | 2,478 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-698,000 | 7,619 |
| Total noninterest expense | $6,678,000 | 2,170 |
| Salaries and employee benefits | $3,132,000 | 2,321 |
| Premises and equipment expense | $895,000 | 2,136 |
| Additional noninterest expense | $2,651,000 | 1,954 |
| Pre-tax net operating income | $-9,503,000 | 7,544 |
| Securities gains (losses) | $534,000 | 696 |
| Applicable income taxes | $-2,903,000 | 7,647 |
| Income before extraordinary items | $-6,066,000 | 7,470 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-6,066,000 | 7,470 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-6,066,000 | 7,470 |
| Net charge-offs | $7,675,000 | 577 |
| Cash dividends | $10,000 | 3,659 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,097 |
| Net operating income | $-6,429,120 | 7,468 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,116,000 | 2,191 |
| Total interest expense | $2,382,000 | 1,842 |
| Net interest income | $4,734,000 | 2,363 |
| Provision for loan and lease losses | $4,015,000 | 761 |
| Total noninterest income | $-232,000 | 7,687 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $264,000 | 2,608 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-496,000 | 7,707 |
| Total noninterest expense | $4,004,000 | 2,431 |
| Salaries and employee benefits | $2,068,000 | 2,360 |
| Premises and equipment expense | $584,000 | 2,208 |
| Additional noninterest expense | $1,352,000 | 2,454 |
| Pre-tax net operating income | $-3,517,000 | 7,443 |
| Securities gains (losses) | $534,000 | 450 |
| Applicable income taxes | $-1,288,000 | 7,639 |
| Income before extraordinary items | $-1,695,000 | 7,290 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,695,000 | 7,289 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,695,000 | 7,290 |
| Net charge-offs | $2,376,000 | 990 |
| Cash dividends | $10,000 | 3,425 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,022 |
| Net operating income | $-2,036,760 | 7,333 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,610,000 | 2,221 |
| Total interest expense | $1,210,000 | 1,898 |
| Net interest income | $2,400,000 | 2,345 |
| Provision for loan and lease losses | $210,000 | 2,919 |
| Total noninterest income | $212,000 | 3,526 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $128,000 | 2,661 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $84,000 | 3,821 |
| Total noninterest expense | $1,970,000 | 2,478 |
| Salaries and employee benefits | $1,014,000 | 2,441 |
| Premises and equipment expense | $288,000 | 2,284 |
| Additional noninterest expense | $668,000 | 2,468 |
| Pre-tax net operating income | $432,000 | 2,694 |
| Securities gains (losses) | $229,000 | 475 |
| Applicable income taxes | $163,000 | 1,645 |
| Income before extraordinary items | $498,000 | 2,148 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $498,000 | 2,147 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $498,000 | 2,148 |
| Net charge-offs | $64,000 | 3,518 |
| Cash dividends | $10,000 | 2,586 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 972 |
| Net operating income | $326,250 | 2,864 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $15,906,000 | 2,125 |
| Total interest expense | $7,594,000 | 1,547 |
| Net interest income | $8,312,000 | 2,629 |
| Provision for loan and lease losses | $3,370,000 | 1,833 |
| Total noninterest income | $462,000 | 4,871 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $532,000 | 2,758 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-70,000 | 7,560 |
| Total noninterest expense | $7,442,000 | 2,650 |
| Salaries and employee benefits | $3,593,000 | 2,718 |
| Premises and equipment expense | $1,194,000 | 2,226 |
| Additional noninterest expense | $2,655,000 | 2,611 |
| Pre-tax net operating income | $-2,038,000 | 6,641 |
| Securities gains (losses) | $302,000 | 1,235 |
| Applicable income taxes | $-958,000 | 7,265 |
| Income before extraordinary items | $-778,000 | 6,250 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-778,000 | 6,249 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-778,000 | 6,249 |
| Net charge-offs | $2,896,000 | 1,644 |
| Cash dividends | $120,000 | 4,025 |
| Sale, conversion, retirement of capital stock, net | $101,000 | 889 |
| Net operating income | $-971,280 | 6,360 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $12,105,000 | 2,135 |
| Total interest expense | $6,095,000 | 1,529 |
| Net interest income | $6,010,000 | 2,727 |
| Provision for loan and lease losses | $2,233,000 | 1,776 |
| Total noninterest income | $220,000 | 5,715 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $400,000 | 2,766 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-180,000 | 7,863 |
| Total noninterest expense | $5,777,000 | 2,566 |
| Salaries and employee benefits | $2,874,000 | 2,567 |
| Premises and equipment expense | $904,000 | 2,231 |
| Additional noninterest expense | $1,999,000 | 2,576 |
| Pre-tax net operating income | $-1,780,000 | 6,966 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-890,000 | 7,519 |
| Income before extraordinary items | $-890,000 | 6,686 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-890,000 | 6,687 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-890,000 | 6,687 |
| Net charge-offs | $1,098,000 | 2,104 |
| Cash dividends | $100,000 | 3,575 |
| Sale, conversion, retirement of capital stock, net | $101,000 | 743 |
| Net operating income | $-890,000 | 6,679 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,128,000 | 2,161 |
| Total interest expense | $4,237,000 | 1,551 |
| Net interest income | $3,891,000 | 2,795 |
| Provision for loan and lease losses | $1,818,000 | 1,486 |
| Total noninterest income | $117,000 | 6,148 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $253,000 | 2,834 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-136,000 | 7,988 |
| Total noninterest expense | $3,963,000 | 2,519 |
| Salaries and employee benefits | $1,896,000 | 2,623 |
| Premises and equipment expense | $603,000 | 2,260 |
| Additional noninterest expense | $1,464,000 | 2,389 |
| Pre-tax net operating income | $-1,773,000 | 7,327 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-806,000 | 7,703 |
| Income before extraordinary items | $-967,000 | 7,136 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-967,000 | 7,136 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-967,000 | 7,137 |
| Net charge-offs | $689,000 | 1,993 |
| Cash dividends | $75,000 | 3,463 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,182 |
| Net operating income | $-967,000 | 7,125 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,083,000 | 2,176 |
| Total interest expense | $2,156,000 | 1,576 |
| Net interest income | $1,927,000 | 2,799 |
| Provision for loan and lease losses | $1,125,000 | 1,101 |
| Total noninterest income | $13,000 | 7,659 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $128,000 | 2,756 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-115,000 | 8,128 |
| Total noninterest expense | $1,792,000 | 2,689 |
| Salaries and employee benefits | $901,000 | 2,803 |
| Premises and equipment expense | $298,000 | 2,310 |
| Additional noninterest expense | $593,000 | 2,590 |
| Pre-tax net operating income | $-977,000 | 7,631 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-438,000 | 7,869 |
| Income before extraordinary items | $-539,000 | 7,480 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-539,000 | 7,480 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-539,000 | 7,481 |
| Net charge-offs | $629,000 | 1,221 |
| Cash dividends | $40,000 | 2,749 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,052 |
| Net operating income | $-539,000 | 7,458 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $17,725,000 | 2,147 |
| Total interest expense | $10,435,000 | 1,550 |
| Net interest income | $7,290,000 | 2,934 |
| Provision for loan and lease losses | $1,555,000 | 2,114 |
| Total noninterest income | $1,552,000 | 2,561 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $565,000 | 2,761 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $987,000 | 2,137 |
| Total noninterest expense | $6,903,000 | 2,721 |
| Salaries and employee benefits | $3,501,000 | 2,825 |
| Premises and equipment expense | $1,231,000 | 2,192 |
| Additional noninterest expense | $2,171,000 | 2,655 |
| Pre-tax net operating income | $384,000 | 5,178 |
| Securities gains (losses) | $166,000 | 807 |
| Applicable income taxes | $-490,000 | 7,492 |
| Income before extraordinary items | $1,040,000 | 3,215 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,040,000 | 3,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $723,000 | 2,325 |
| Cash dividends | $180,000 | 4,599 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,353 |
| Net operating income | $874,000 | 3,685 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $13,520,000 | 2,156 |
| Total interest expense | $8,074,000 | 1,568 |
| Net interest income | $5,446,000 | 2,977 |
| Provision for loan and lease losses | $542,000 | 2,619 |
| Total noninterest income | $750,000 | 3,488 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $415,000 | 2,816 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $335,000 | 3,494 |
| Total noninterest expense | $5,051,000 | 2,762 |
| Salaries and employee benefits | $2,641,000 | 2,834 |
| Premises and equipment expense | $937,000 | 2,174 |
| Additional noninterest expense | $1,473,000 | 2,815 |
| Pre-tax net operating income | $603,000 | 4,641 |
| Securities gains (losses) | $191,000 | 645 |
| Applicable income taxes | $74,000 | 3,836 |
| Income before extraordinary items | $720,000 | 3,763 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $720,000 | 3,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 2,770 |
| Cash dividends | $130,000 | 4,218 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,212 |
| Net operating income | $546,190 | 4,427 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,099,000 | 2,163 |
| Total interest expense | $5,610,000 | 1,559 |
| Net interest income | $3,489,000 | 3,063 |
| Provision for loan and lease losses | $441,000 | 2,037 |
| Total noninterest income | $525,000 | 3,411 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $265,000 | 2,884 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $260,000 | 3,282 |
| Total noninterest expense | $3,386,000 | 2,750 |
| Salaries and employee benefits | $1,776,000 | 2,844 |
| Premises and equipment expense | $632,000 | 2,144 |
| Additional noninterest expense | $978,000 | 2,801 |
| Pre-tax net operating income | $187,000 | 5,903 |
| Securities gains (losses) | $161,000 | 701 |
| Applicable income taxes | $-7,000 | 7,594 |
| Income before extraordinary items | $355,000 | 4,708 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $355,000 | 4,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 3,417 |
| Cash dividends | $120,000 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,106 |
| Net operating income | $194,000 | 5,591 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,638,000 | 2,176 |
| Total interest expense | $3,006,000 | 1,566 |
| Net interest income | $1,632,000 | 3,268 |
| Provision for loan and lease losses | $390,000 | 1,175 |
| Total noninterest income | $262,000 | 3,414 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $134,000 | 2,840 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $128,000 | 3,321 |
| Total noninterest expense | $1,741,000 | 2,686 |
| Salaries and employee benefits | $903,000 | 2,819 |
| Premises and equipment expense | $333,000 | 2,034 |
| Additional noninterest expense | $505,000 | 2,704 |
| Pre-tax net operating income | $-237,000 | 7,818 |
| Securities gains (losses) | $113,000 | 659 |
| Applicable income taxes | $-112,000 | 8,168 |
| Income before extraordinary items | $-12,000 | 7,349 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-12,000 | 7,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $70,000 | 3,197 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 981 |
| Net operating income | $-84,320 | 7,568 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,637,000 | 2,214 |
| Total interest expense | $11,539,000 | 1,734 |
| Net interest income | $7,098,000 | 3,066 |
| Provision for loan and lease losses | $97,000 | 4,964 |
| Total noninterest income | $1,067,000 | 3,411 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $541,000 | 2,883 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $526,000 | 3,213 |
| Total noninterest expense | $6,390,000 | 2,796 |
| Salaries and employee benefits | $3,395,000 | 2,890 |
| Premises and equipment expense | $1,238,000 | 2,099 |
| Additional noninterest expense | $1,757,000 | 2,999 |
| Pre-tax net operating income | $1,678,000 | 3,697 |
| Securities gains (losses) | $19,000 | 1,121 |
| Applicable income taxes | $393,000 | 3,047 |
| Income before extraordinary items | $1,304,000 | 3,759 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,304,000 | 3,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,733 |
| Cash dividends | $230,000 | 4,753 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,257 |
| Net operating income | $1,289,370 | 3,779 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,826,000 | 2,242 |
| Total interest expense | $8,487,000 | 1,765 |
| Net interest income | $5,339,000 | 3,055 |
| Provision for loan and lease losses | $46,000 | 5,112 |
| Total noninterest income | $800,000 | 3,390 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $402,000 | 2,888 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $398,000 | 3,215 |
| Total noninterest expense | $4,836,000 | 2,744 |
| Salaries and employee benefits | $2,552,000 | 2,863 |
| Premises and equipment expense | $937,000 | 2,071 |
| Additional noninterest expense | $1,347,000 | 2,882 |
| Pre-tax net operating income | $1,257,000 | 3,843 |
| Securities gains (losses) | $-6,000 | 7,659 |
| Applicable income taxes | $278,000 | 3,299 |
| Income before extraordinary items | $973,000 | 3,959 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $973,000 | 3,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,499 |
| Cash dividends | $155,000 | 4,335 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,116 |
| Net operating income | $977,680 | 3,929 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,061,000 | 2,302 |
| Total interest expense | $5,500,000 | 1,810 |
| Net interest income | $3,561,000 | 3,077 |
| Provision for loan and lease losses | $37,000 | 4,716 |
| Total noninterest income | $548,000 | 3,353 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $271,000 | 2,862 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $277,000 | 3,155 |
| Total noninterest expense | $3,217,000 | 2,785 |
| Salaries and employee benefits | $1,688,000 | 2,924 |
| Premises and equipment expense | $624,000 | 2,079 |
| Additional noninterest expense | $905,000 | 2,869 |
| Pre-tax net operating income | $855,000 | 3,870 |
| Securities gains (losses) | $11,000 | 843 |
| Applicable income taxes | $205,000 | 3,229 |
| Income before extraordinary items | $661,000 | 3,955 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $661,000 | 3,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,113 |
| Cash dividends | $90,000 | 4,416 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $652,640 | 3,974 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,444,000 | 2,342 |
| Total interest expense | $2,646,000 | 1,862 |
| Net interest income | $1,798,000 | 3,044 |
| Provision for loan and lease losses | $25,000 | 4,116 |
| Total noninterest income | $236,000 | 3,666 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $123,000 | 3,011 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $113,000 | 3,538 |
| Total noninterest expense | $1,593,000 | 2,823 |
| Salaries and employee benefits | $828,000 | 2,987 |
| Premises and equipment expense | $312,000 | 2,089 |
| Additional noninterest expense | $453,000 | 2,838 |
| Pre-tax net operating income | $416,000 | 3,903 |
| Securities gains (losses) | $4,000 | 855 |
| Applicable income taxes | $112,000 | 3,120 |
| Income before extraordinary items | $308,000 | 4,105 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $308,000 | 4,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,851 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $305,080 | 4,104 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $16,335,000 | 2,377 |
| Total interest expense | $8,822,000 | 1,878 |
| Net interest income | $7,513,000 | 2,914 |
| Provision for loan and lease losses | $245,000 | 3,135 |
| Total noninterest income | $1,005,000 | 3,535 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $495,000 | 3,078 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $510,000 | 3,301 |
| Total noninterest expense | $5,442,000 | 3,113 |
| Salaries and employee benefits | $2,885,000 | 3,243 |
| Premises and equipment expense | $1,017,000 | 2,436 |
| Additional noninterest expense | $1,540,000 | 3,229 |
| Pre-tax net operating income | $2,831,000 | 2,882 |
| Securities gains (losses) | $58,000 | 657 |
| Applicable income taxes | $1,025,000 | 2,159 |
| Income before extraordinary items | $1,864,000 | 3,250 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,864,000 | 3,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,843 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 1,129 |
| Net operating income | $1,826,300 | 3,292 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,960,000 | 2,417 |
| Total interest expense | $6,261,000 | 1,917 |
| Net interest income | $5,699,000 | 2,915 |
| Provision for loan and lease losses | $245,000 | 2,480 |
| Total noninterest income | $768,000 | 3,481 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $364,000 | 3,142 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $404,000 | 3,202 |
| Total noninterest expense | $3,915,000 | 3,224 |
| Salaries and employee benefits | $2,045,000 | 3,384 |
| Premises and equipment expense | $761,000 | 2,438 |
| Additional noninterest expense | $1,109,000 | 3,334 |
| Pre-tax net operating income | $2,307,000 | 2,825 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $831,000 | 2,144 |
| Income before extraordinary items | $1,476,000 | 3,240 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,476,000 | 3,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,187 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 946 |
| Net operating income | $1,476,000 | 3,238 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,705,000 | 2,450 |
| Total interest expense | $3,840,000 | 1,971 |
| Net interest income | $3,865,000 | 2,869 |
| Provision for loan and lease losses | $210,000 | 2,022 |
| Total noninterest income | $502,000 | 3,520 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $224,000 | 3,295 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $278,000 | 3,155 |
| Total noninterest expense | $2,508,000 | 3,339 |
| Salaries and employee benefits | $1,314,000 | 3,496 |
| Premises and equipment expense | $494,000 | 2,495 |
| Additional noninterest expense | $700,000 | 3,477 |
| Pre-tax net operating income | $1,649,000 | 2,685 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $594,000 | 2,067 |
| Income before extraordinary items | $1,055,000 | 3,089 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,055,000 | 3,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 822 |
| Net operating income | $1,055,000 | 3,078 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,671,000 | 2,509 |
| Total interest expense | $1,740,000 | 2,050 |
| Net interest income | $1,931,000 | 2,866 |
| Provision for loan and lease losses | $120,000 | 1,730 |
| Total noninterest income | $249,000 | 3,479 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $103,000 | 3,410 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $146,000 | 3,015 |
| Total noninterest expense | $1,211,000 | 3,446 |
| Salaries and employee benefits | $606,000 | 3,737 |
| Premises and equipment expense | $243,000 | 2,522 |
| Additional noninterest expense | $362,000 | 3,376 |
| Pre-tax net operating income | $849,000 | 2,591 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $308,000 | 1,986 |
| Income before extraordinary items | $541,000 | 2,970 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $541,000 | 2,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $541,000 | 2,954 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,913,000 | 2,731 |
| Total interest expense | $4,746,000 | 2,305 |
| Net interest income | $7,167,000 | 2,986 |
| Provision for loan and lease losses | $355,000 | 2,496 |
| Total noninterest income | $853,000 | 3,903 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $385,000 | 3,646 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $468,000 | 3,496 |
| Total noninterest expense | $4,659,000 | 3,429 |
| Salaries and employee benefits | $2,469,000 | 3,524 |
| Premises and equipment expense | $861,000 | 2,699 |
| Additional noninterest expense | $1,329,000 | 3,555 |
| Pre-tax net operating income | $3,006,000 | 2,748 |
| Securities gains (losses) | $-16,000 | 7,722 |
| Applicable income taxes | $1,083,000 | 2,155 |
| Income before extraordinary items | $1,907,000 | 3,214 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,907,000 | 3,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,831 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 913 |
| Net operating income | $1,917,240 | 3,168 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,510,000 | 2,780 |
| Total interest expense | $3,264,000 | 2,388 |
| Net interest income | $5,246,000 | 3,028 |
| Provision for loan and lease losses | $247,000 | 2,571 |
| Total noninterest income | $616,000 | 3,998 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $263,000 | 3,850 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $353,000 | 3,513 |
| Total noninterest expense | $3,482,000 | 3,411 |
| Salaries and employee benefits | $1,807,000 | 3,560 |
| Premises and equipment expense | $649,000 | 2,674 |
| Additional noninterest expense | $1,026,000 | 3,436 |
| Pre-tax net operating income | $2,133,000 | 2,913 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $777,000 | 2,245 |
| Income before extraordinary items | $1,356,000 | 3,385 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,356,000 | 3,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,271 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,356,000 | 3,344 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,390,000 | 2,843 |
| Total interest expense | $1,999,000 | 2,422 |
| Net interest income | $3,391,000 | 3,072 |
| Provision for loan and lease losses | $165,000 | 2,477 |
| Total noninterest income | $375,000 | 4,200 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $166,000 | 3,910 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $209,000 | 3,689 |
| Total noninterest expense | $2,266,000 | 3,452 |
| Salaries and employee benefits | $1,177,000 | 3,619 |
| Premises and equipment expense | $417,000 | 2,734 |
| Additional noninterest expense | $672,000 | 3,466 |
| Pre-tax net operating income | $1,335,000 | 3,009 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $484,000 | 2,315 |
| Income before extraordinary items | $851,000 | 3,490 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $851,000 | 3,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $851,000 | 3,441 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,538,000 | 2,958 |
| Total interest expense | $920,000 | 2,501 |
| Net interest income | $1,618,000 | 3,192 |
| Provision for loan and lease losses | $70,000 | 2,663 |
| Total noninterest income | $194,000 | 4,047 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $83,000 | 3,846 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $111,000 | 3,545 |
| Total noninterest expense | $1,111,000 | 3,538 |
| Salaries and employee benefits | $570,000 | 3,711 |
| Premises and equipment expense | $203,000 | 2,848 |
| Additional noninterest expense | $338,000 | 3,459 |
| Pre-tax net operating income | $631,000 | 3,114 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $228,000 | 2,392 |
| Income before extraordinary items | $403,000 | 3,598 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $403,000 | 3,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $403,000 | 3,566 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,544,000 | 3,244 |
| Total interest expense | $2,824,000 | 2,755 |
| Net interest income | $5,720,000 | 3,419 |
| Provision for loan and lease losses | $478,000 | 2,046 |
| Total noninterest income | $723,000 | 4,310 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $378,000 | 3,768 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $345,000 | 4,000 |
| Total noninterest expense | $3,744,000 | 3,950 |
| Salaries and employee benefits | $1,988,000 | 4,019 |
| Premises and equipment expense | $667,000 | 3,249 |
| Additional noninterest expense | $1,089,000 | 4,048 |
| Pre-tax net operating income | $2,221,000 | 3,273 |
| Securities gains (losses) | $2,000 | 3,489 |
| Applicable income taxes | $819,000 | 2,490 |
| Income before extraordinary items | $1,404,000 | 3,801 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,404,000 | 3,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,291 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,402,720 | 3,744 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,113,000 | 3,340 |
| Total interest expense | $1,959,000 | 2,894 |
| Net interest income | $4,154,000 | 3,487 |
| Provision for loan and lease losses | $382,000 | 1,846 |
| Total noninterest income | $530,000 | 4,366 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $292,000 | 3,729 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $238,000 | 4,156 |
| Total noninterest expense | $2,778,000 | 3,950 |
| Salaries and employee benefits | $1,474,000 | 4,004 |
| Premises and equipment expense | $492,000 | 3,292 |
| Additional noninterest expense | $812,000 | 4,042 |
| Pre-tax net operating income | $1,524,000 | 3,540 |
| Securities gains (losses) | $2,000 | 3,384 |
| Applicable income taxes | $570,000 | 2,666 |
| Income before extraordinary items | $956,000 | 4,121 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $956,000 | 4,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 3,570 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $954,720 | 4,056 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,871,000 | 3,461 |
| Total interest expense | $1,221,000 | 3,038 |
| Net interest income | $2,650,000 | 3,610 |
| Provision for loan and lease losses | $254,000 | 1,806 |
| Total noninterest income | $381,000 | 4,212 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $201,000 | 3,639 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $180,000 | 3,968 |
| Total noninterest expense | $1,844,000 | 3,994 |
| Salaries and employee benefits | $988,000 | 4,021 |
| Premises and equipment expense | $314,000 | 3,420 |
| Additional noninterest expense | $542,000 | 4,061 |
| Pre-tax net operating income | $933,000 | 3,697 |
| Securities gains (losses) | $2,000 | 3,048 |
| Applicable income taxes | $349,000 | 2,808 |
| Income before extraordinary items | $586,000 | 4,323 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $586,000 | 4,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 2,817 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $584,720 | 4,232 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,878,000 | 3,561 |
| Total interest expense | $591,000 | 3,157 |
| Net interest income | $1,287,000 | 3,678 |
| Provision for loan and lease losses | $115,000 | 1,912 |
| Total noninterest income | $182,000 | 4,298 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $102,000 | 3,536 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $80,000 | 4,184 |
| Total noninterest expense | $890,000 | 4,125 |
| Salaries and employee benefits | $479,000 | 4,148 |
| Premises and equipment expense | $151,000 | 3,573 |
| Additional noninterest expense | $260,000 | 4,185 |
| Pre-tax net operating income | $464,000 | 3,714 |
| Securities gains (losses) | $2,000 | 2,612 |
| Applicable income taxes | $177,000 | 2,786 |
| Income before extraordinary items | $289,000 | 4,369 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $289,000 | 4,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 2,294 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $287,720 | 4,266 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,535,000 | 4,031 |
| Total interest expense | $2,131,000 | 3,831 |
| Net interest income | $4,404,000 | 4,061 |
| Provision for loan and lease losses | $335,000 | 2,929 |
| Total noninterest income | $717,000 | 4,494 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $283,000 | 4,447 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $434,000 | 3,821 |
| Total noninterest expense | $3,059,000 | 4,545 |
| Salaries and employee benefits | $1,610,000 | 4,614 |
| Premises and equipment expense | $559,000 | 3,716 |
| Additional noninterest expense | $890,000 | 4,671 |
| Pre-tax net operating income | $1,727,000 | 3,750 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $658,000 | 2,900 |
| Income before extraordinary items | $1,069,000 | 4,452 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,069,000 | 4,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,545 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,069,000 | 4,280 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,770,000 | 4,177 |
| Total interest expense | $1,588,000 | 3,965 |
| Net interest income | $3,182,000 | 4,205 |
| Provision for loan and lease losses | $245,000 | 2,890 |
| Total noninterest income | $576,000 | 4,368 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $194,000 | 4,693 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $382,000 | 3,614 |
| Total noninterest expense | $2,278,000 | 4,550 |
| Salaries and employee benefits | $1,175,000 | 4,693 |
| Premises and equipment expense | $424,000 | 3,679 |
| Additional noninterest expense | $679,000 | 4,567 |
| Pre-tax net operating income | $1,235,000 | 3,993 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $471,000 | 3,133 |
| Income before extraordinary items | $764,000 | 4,728 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $764,000 | 4,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,905 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $764,000 | 4,546 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,122,000 | 4,276 |
| Total interest expense | $1,057,000 | 4,071 |
| Net interest income | $2,065,000 | 4,301 |
| Provision for loan and lease losses | $169,000 | 2,837 |
| Total noninterest income | $392,000 | 4,292 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $123,000 | 4,793 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $269,000 | 3,496 |
| Total noninterest expense | $1,472,000 | 4,657 |
| Salaries and employee benefits | $757,000 | 4,817 |
| Premises and equipment expense | $271,000 | 3,795 |
| Additional noninterest expense | $444,000 | 4,638 |
| Pre-tax net operating income | $816,000 | 3,996 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $312,000 | 3,170 |
| Income before extraordinary items | $504,000 | 4,783 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $504,000 | 4,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $504,000 | 4,575 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,493,000 | 4,434 |
| Total interest expense | $511,000 | 4,274 |
| Net interest income | $982,000 | 4,459 |
| Provision for loan and lease losses | $72,000 | 3,031 |
| Total noninterest income | $181,000 | 4,403 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $58,000 | 4,839 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $123,000 | 3,561 |
| Total noninterest expense | $702,000 | 4,781 |
| Salaries and employee benefits | $367,000 | 4,927 |
| Premises and equipment expense | $132,000 | 3,884 |
| Additional noninterest expense | $203,000 | 4,916 |
| Pre-tax net operating income | $389,000 | 4,096 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $149,000 | 3,236 |
| Income before extraordinary items | $240,000 | 4,816 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $240,000 | 4,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $240,000 | 4,627 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,106,000 | 5,107 |
| Total interest expense | $1,959,000 | 4,852 |
| Net interest income | $3,147,000 | 5,141 |
| Provision for loan and lease losses | $437,000 | 2,646 |
| Total noninterest income | $479,000 | 5,334 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $180,000 | 5,464 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $299,000 | 4,267 |
| Total noninterest expense | $2,085,000 | 5,737 |
| Salaries and employee benefits | $1,108,000 | 5,784 |
| Premises and equipment expense | $365,000 | 4,960 |
| Additional noninterest expense | $612,000 | 5,854 |
| Pre-tax net operating income | $1,104,000 | 4,942 |
| Securities gains (losses) | $23,000 | 3,041 |
| Applicable income taxes | $424,000 | 3,769 |
| Income before extraordinary items | $703,000 | 5,549 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $703,000 | 5,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,992 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $5,900,000 | 130 |
| Net operating income | $688,280 | 5,463 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,111,000 | 6,262 |
| Total interest expense | $2,225,000 | 5,778 |
| Net interest income | $1,886,000 | 6,629 |
| Provision for loan and lease losses | $223,000 | 3,906 |
| Total noninterest income | $384,000 | 5,793 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $123,000 | 6,204 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $261,000 | 4,403 |
| Total noninterest expense | $1,754,000 | 6,230 |
| Salaries and employee benefits | $941,000 | 6,202 |
| Premises and equipment expense | $377,000 | 4,787 |
| Additional noninterest expense | $436,000 | 6,884 |
| Pre-tax net operating income | $293,000 | 7,441 |
| Securities gains (losses) | $39,000 | 2,590 |
| Applicable income taxes | $125,000 | 5,718 |
| Income before extraordinary items | $207,000 | 7,676 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $207,000 | 7,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,531 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $182,040 | 7,736 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,910,000 | 7,501 |
| Total interest expense | $1,544,000 | 7,064 |
| Net interest income | $1,366,000 | 7,713 |
| Provision for loan and lease losses | $196,000 | 3,802 |
| Total noninterest income | $145,000 | 7,964 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 7,680 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 6,509 |
| Total noninterest expense | $1,258,000 | 7,356 |
| Salaries and employee benefits | $662,000 | 7,378 |
| Premises and equipment expense | $253,000 | 6,005 |
| Additional noninterest expense | $343,000 | 7,604 |
| Pre-tax net operating income | $57,000 | 8,950 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $20,000 | 7,844 |
| Income before extraordinary items | $37,000 | 9,002 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $37,000 | 9,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $37,000 | 8,988 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,170,000 | 9,458 |
| Total interest expense | $556,000 | 9,316 |
| Net interest income | $614,000 | 9,477 |
| Provision for loan and lease losses | $254,000 | 3,026 |
| Total noninterest income | $56,000 | 9,499 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 8,610 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,343 |
| Total noninterest expense | $1,262,000 | 7,394 |
| Salaries and employee benefits | $645,000 | 7,511 |
| Premises and equipment expense | $187,000 | 7,010 |
| Additional noninterest expense | $430,000 | 7,049 |
| Pre-tax net operating income | $-846,000 | 10,015 |
| Securities gains (losses) | $-7,000 | 9,189 |
| Applicable income taxes | $-309,000 | 10,090 |
| Income before extraordinary items | $-544,000 | 9,929 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-544,000 | 9,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $6,200,000 | 188 |
| Net operating income | $-539,520 | 9,905 |
* 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.