Home > Cottage Savings Bank > Income and Expense
Cottage Savings Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $966,000 | 6,721 |
| Total interest expense | $342,000 | 5,427 |
| Net interest income | $624,000 | 6,888 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $377,000 | 4,536 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $3,000 | 6,943 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $374,000 | 3,361 |
| Total noninterest expense | $833,000 | 6,549 |
| Salaries and employee benefits | $370,000 | 6,711 |
| Premises and equipment expense | $101,000 | 6,328 |
| Additional noninterest expense | $362,000 | 6,169 |
| Pre-tax net operating income | $168,000 | 5,795 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $168,000 | 5,867 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $168,000 | 5,866 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $168,000 | 5,866 |
| Net charge-offs | $0 | 5,771 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $168,000 | 5,697 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $653,000 | 6,764 |
| Total interest expense | $232,000 | 5,493 |
| Net interest income | $421,000 | 6,939 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $178,000 | 5,054 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $2,000 | 6,999 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $176,000 | 3,846 |
| Total noninterest expense | $532,000 | 6,643 |
| Salaries and employee benefits | $239,000 | 6,797 |
| Premises and equipment expense | $67,000 | 6,369 |
| Additional noninterest expense | $226,000 | 6,289 |
| Pre-tax net operating income | $67,000 | 6,028 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $67,000 | 6,141 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $67,000 | 6,141 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $67,000 | 6,141 |
| Net charge-offs | $0 | 5,507 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $67,000 | 5,994 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $331,000 | 6,814 |
| Total interest expense | $118,000 | 5,564 |
| Net interest income | $213,000 | 6,985 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $79,000 | 5,275 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $1,000 | 7,039 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $78,000 | 4,052 |
| Total noninterest expense | $238,000 | 6,806 |
| Salaries and employee benefits | $123,000 | 6,829 |
| Premises and equipment expense | $31,000 | 6,472 |
| Additional noninterest expense | $84,000 | 6,689 |
| Pre-tax net operating income | $54,000 | 5,888 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $54,000 | 5,933 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $54,000 | 5,932 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $54,000 | 5,932 |
| Net charge-offs | $0 | 4,730 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $54,000 | 5,798 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,486,000 | 6,779 |
| Total interest expense | $497,000 | 5,862 |
| Net interest income | $989,000 | 6,949 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $428,000 | 4,653 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $3,000 | 6,938 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $425,000 | 3,344 |
| Total noninterest expense | $1,067,000 | 6,770 |
| Salaries and employee benefits | $508,000 | 6,884 |
| Premises and equipment expense | $142,000 | 6,480 |
| Additional noninterest expense | $417,000 | 6,499 |
| Pre-tax net operating income | $350,000 | 5,114 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $350,000 | 5,089 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $350,000 | 5,092 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $350,000 | 5,092 |
| Net charge-offs | $0 | 6,441 |
| Cash dividends | $174,000 | 3,463 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $350,000 | 4,974 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,158,000 | 6,801 |
| Total interest expense | $376,000 | 5,959 |
| Net interest income | $782,000 | 6,966 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $200,000 | 5,482 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $2,000 | 6,992 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $198,000 | 4,100 |
| Total noninterest expense | $784,000 | 6,828 |
| Salaries and employee benefits | $370,000 | 6,942 |
| Premises and equipment expense | $122,000 | 6,354 |
| Additional noninterest expense | $292,000 | 6,632 |
| Pre-tax net operating income | $198,000 | 5,476 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $198,000 | 5,494 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $198,000 | 5,495 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $198,000 | 5,495 |
| Net charge-offs | $0 | 6,185 |
| Cash dividends | $174,000 | 2,813 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $198,000 | 5,360 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $784,000 | 6,849 |
| Total interest expense | $258,000 | 6,025 |
| Net interest income | $526,000 | 7,017 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $51,000 | 6,566 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $2,000 | 7,019 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $49,000 | 5,480 |
| Total noninterest expense | $502,000 | 6,941 |
| Salaries and employee benefits | $249,000 | 6,999 |
| Premises and equipment expense | $82,000 | 6,391 |
| Additional noninterest expense | $171,000 | 6,841 |
| Pre-tax net operating income | $75,000 | 5,818 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $75,000 | 5,857 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $75,000 | 5,856 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $75,000 | 5,857 |
| Net charge-offs | $0 | 5,875 |
| Cash dividends | $174,000 | 2,406 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $75,000 | 5,779 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $394,000 | 6,898 |
| Total interest expense | $127,000 | 6,142 |
| Net interest income | $267,000 | 7,037 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $29,000 | 6,517 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $1,000 | 7,020 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $28,000 | 5,466 |
| Total noninterest expense | $252,000 | 6,985 |
| Salaries and employee benefits | $127,000 | 7,025 |
| Premises and equipment expense | $41,000 | 6,442 |
| Additional noninterest expense | $84,000 | 6,923 |
| Pre-tax net operating income | $44,000 | 5,837 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $44,000 | 5,798 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $44,000 | 5,797 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $44,000 | 5,798 |
| Net charge-offs | $0 | 5,107 |
| Cash dividends | $174,000 | 1,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $44,000 | 5,761 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,649,000 | 6,952 |
| Total interest expense | $643,000 | 6,128 |
| Net interest income | $1,006,000 | 7,163 |
| Provision for loan and lease losses | $0 | 7,042 |
| Total noninterest income | $417,000 | 4,896 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,000 | 6,780 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $415,000 | 3,453 |
| Total noninterest expense | $1,013,000 | 7,056 |
| Salaries and employee benefits | $528,000 | 7,077 |
| Premises and equipment expense | $151,000 | 6,622 |
| Additional noninterest expense | $334,000 | 7,002 |
| Pre-tax net operating income | $410,000 | 4,605 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $410,000 | 4,591 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $410,000 | 4,591 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $410,000 | 4,591 |
| Net charge-offs | $0 | 6,851 |
| Cash dividends | $63,000 | 3,890 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $410,000 | 4,442 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,257,000 | 7,047 |
| Total interest expense | $497,000 | 6,220 |
| Net interest income | $760,000 | 7,258 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $270,000 | 5,210 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $2,000 | 6,867 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $268,000 | 3,723 |
| Total noninterest expense | $790,000 | 7,084 |
| Salaries and employee benefits | $410,000 | 7,106 |
| Premises and equipment expense | $121,000 | 6,620 |
| Additional noninterest expense | $259,000 | 7,030 |
| Pre-tax net operating income | $240,000 | 5,093 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $240,000 | 5,135 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $240,000 | 5,137 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $240,000 | 5,138 |
| Net charge-offs | $0 | 6,672 |
| Cash dividends | $63,000 | 3,378 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $240,000 | 4,956 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $843,000 | 7,106 |
| Total interest expense | $345,000 | 6,232 |
| Net interest income | $498,000 | 7,330 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $121,000 | 5,816 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,000 | 6,923 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $120,000 | 4,340 |
| Total noninterest expense | $524,000 | 7,146 |
| Salaries and employee benefits | $268,000 | 7,185 |
| Premises and equipment expense | $83,000 | 6,614 |
| Additional noninterest expense | $173,000 | 7,077 |
| Pre-tax net operating income | $95,000 | 5,538 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $95,000 | 5,569 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $95,000 | 5,572 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $95,000 | 5,571 |
| Net charge-offs | $0 | 6,372 |
| Cash dividends | $63,000 | 3,085 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $95,000 | 5,448 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $416,000 | 7,215 |
| Total interest expense | $176,000 | 6,324 |
| Net interest income | $240,000 | 7,445 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $56,000 | 5,972 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $1,000 | 6,994 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $55,000 | 4,521 |
| Total noninterest expense | $265,000 | 7,228 |
| Salaries and employee benefits | $131,000 | 7,292 |
| Premises and equipment expense | $44,000 | 6,603 |
| Additional noninterest expense | $90,000 | 7,124 |
| Pre-tax net operating income | $31,000 | 5,908 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $31,000 | 5,979 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $31,000 | 5,980 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $31,000 | 5,979 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $64,000 | 2,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $31,000 | 5,864 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,818,000 | 7,200 |
| Total interest expense | $1,001,000 | 6,025 |
| Net interest income | $817,000 | 7,609 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $334,000 | 5,438 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $4,000 | 7,067 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $330,000 | 3,848 |
| Total noninterest expense | $997,000 | 7,393 |
| Salaries and employee benefits | $555,000 | 7,299 |
| Premises and equipment expense | $167,000 | 6,772 |
| Additional noninterest expense | $275,000 | 7,510 |
| Pre-tax net operating income | $154,000 | 4,929 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $154,000 | 4,971 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $154,000 | 4,971 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $154,000 | 4,971 |
| Net charge-offs | $0 | 7,246 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $-200,000 | 7,960 |
| Net operating income | $154,000 | 4,907 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,393,000 | 7,238 |
| Total interest expense | $799,000 | 6,032 |
| Net interest income | $594,000 | 7,699 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $278,000 | 5,335 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $3,000 | 7,130 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $275,000 | 3,752 |
| Total noninterest expense | $751,000 | 7,425 |
| Salaries and employee benefits | $419,000 | 7,350 |
| Premises and equipment expense | $123,000 | 6,850 |
| Additional noninterest expense | $209,000 | 7,539 |
| Pre-tax net operating income | $121,000 | 5,212 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $121,000 | 5,220 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $121,000 | 5,218 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $121,000 | 5,218 |
| Net charge-offs | $0 | 6,987 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $-200,000 | 8,063 |
| Net operating income | $121,000 | 5,161 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $921,000 | 7,315 |
| Total interest expense | $551,000 | 6,086 |
| Net interest income | $370,000 | 7,795 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $243,000 | 4,861 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $2,000 | 7,196 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $241,000 | 3,360 |
| Total noninterest expense | $509,000 | 7,471 |
| Salaries and employee benefits | $285,000 | 7,396 |
| Premises and equipment expense | $80,000 | 6,940 |
| Additional noninterest expense | $144,000 | 7,575 |
| Pre-tax net operating income | $104,000 | 5,181 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $104,000 | 5,174 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $104,000 | 5,172 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $104,000 | 5,172 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $-200,000 | 8,166 |
| Net operating income | $104,000 | 5,084 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $462,000 | 7,371 |
| Total interest expense | $278,000 | 6,169 |
| Net interest income | $184,000 | 7,840 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $129,000 | 4,734 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $1,000 | 7,216 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $128,000 | 3,231 |
| Total noninterest expense | $248,000 | 7,525 |
| Salaries and employee benefits | $144,000 | 7,426 |
| Premises and equipment expense | $43,000 | 6,870 |
| Additional noninterest expense | $61,000 | 7,687 |
| Pre-tax net operating income | $65,000 | 5,430 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $65,000 | 5,462 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $65,000 | 5,465 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $65,000 | 5,465 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $-200,000 | 8,222 |
| Net operating income | $65,000 | 5,286 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,045,000 | 7,301 |
| Total interest expense | $1,200,000 | 6,435 |
| Net interest income | $845,000 | 7,773 |
| Provision for loan and lease losses | $-10,000 | 8,204 |
| Total noninterest income | $125,000 | 7,060 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $3,000 | 7,266 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $122,000 | 5,654 |
| Total noninterest expense | $990,000 | 7,554 |
| Salaries and employee benefits | $570,000 | 7,492 |
| Premises and equipment expense | $169,000 | 6,969 |
| Additional noninterest expense | $251,000 | 7,670 |
| Pre-tax net operating income | $-10,000 | 6,343 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-10,000 | 6,253 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-10,000 | 6,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,039 |
| Cash dividends | $93,000 | 5,036 |
| Sale, conversion, retirement of capital stock, net | $-16,000 | 8,205 |
| Net operating income | $-10,000 | 6,389 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,546,000 | 7,375 |
| Total interest expense | $915,000 | 6,527 |
| Net interest income | $631,000 | 7,844 |
| Provision for loan and lease losses | $-10,000 | 8,271 |
| Total noninterest income | $83,000 | 7,301 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $2,000 | 7,331 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $81,000 | 5,935 |
| Total noninterest expense | $752,000 | 7,564 |
| Salaries and employee benefits | $430,000 | 7,509 |
| Premises and equipment expense | $126,000 | 7,022 |
| Additional noninterest expense | $196,000 | 7,646 |
| Pre-tax net operating income | $-28,000 | 6,806 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-28,000 | 6,654 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-28,000 | 6,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $94,000 | 4,472 |
| Sale, conversion, retirement of capital stock, net | $-16,000 | 8,301 |
| Net operating income | $-28,000 | 6,832 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,040,000 | 7,438 |
| Total interest expense | $626,000 | 6,605 |
| Net interest income | $414,000 | 7,903 |
| Provision for loan and lease losses | $-10,000 | 8,333 |
| Total noninterest income | $57,000 | 7,339 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,000 | 7,382 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $56,000 | 5,955 |
| Total noninterest expense | $510,000 | 7,585 |
| Salaries and employee benefits | $287,000 | 7,576 |
| Premises and equipment expense | $87,000 | 6,979 |
| Additional noninterest expense | $136,000 | 7,639 |
| Pre-tax net operating income | $-29,000 | 7,043 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-29,000 | 7,105 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-29,000 | 7,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $94,000 | 4,175 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-29,000 | 7,071 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $536,000 | 7,460 |
| Total interest expense | $336,000 | 6,605 |
| Net interest income | $200,000 | 7,979 |
| Provision for loan and lease losses | $-10,000 | 8,377 |
| Total noninterest income | $38,000 | 7,035 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $1,000 | 7,357 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $37,000 | 5,574 |
| Total noninterest expense | $245,000 | 7,682 |
| Salaries and employee benefits | $145,000 | 7,598 |
| Premises and equipment expense | $44,000 | 7,000 |
| Additional noninterest expense | $56,000 | 7,888 |
| Pre-tax net operating income | $3,000 | 7,136 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $3,000 | 7,242 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,000 | 7,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $94,000 | 2,995 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $3,000 | 7,149 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,464,000 | 7,239 |
| Total interest expense | $1,405,000 | 6,563 |
| Net interest income | $1,059,000 | 7,675 |
| Provision for loan and lease losses | $-4,000 | 8,215 |
| Total noninterest income | $92,000 | 7,643 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $4,000 | 7,400 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $88,000 | 6,406 |
| Total noninterest expense | $937,000 | 7,735 |
| Salaries and employee benefits | $544,000 | 7,686 |
| Premises and equipment expense | $151,000 | 7,235 |
| Additional noninterest expense | $242,000 | 7,817 |
| Pre-tax net operating income | $218,000 | 6,829 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $218,000 | 6,726 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $218,000 | 6,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $160,000 | 5,065 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $218,000 | 6,703 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,852,000 | 7,279 |
| Total interest expense | $1,031,000 | 6,641 |
| Net interest income | $821,000 | 7,673 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $75,000 | 7,609 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $3,000 | 7,429 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $72,000 | 6,310 |
| Total noninterest expense | $687,000 | 7,753 |
| Salaries and employee benefits | $402,000 | 7,687 |
| Premises and equipment expense | $107,000 | 7,313 |
| Additional noninterest expense | $178,000 | 7,817 |
| Pre-tax net operating income | $209,000 | 6,934 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $209,000 | 6,767 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $209,000 | 6,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $160,000 | 4,309 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $209,000 | 6,754 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,225,000 | 7,325 |
| Total interest expense | $660,000 | 6,733 |
| Net interest income | $565,000 | 7,689 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $47,000 | 7,728 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $2,000 | 7,481 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $45,000 | 6,440 |
| Total noninterest expense | $461,000 | 7,793 |
| Salaries and employee benefits | $253,000 | 7,820 |
| Premises and equipment expense | $78,000 | 7,202 |
| Additional noninterest expense | $130,000 | 7,741 |
| Pre-tax net operating income | $151,000 | 6,958 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $151,000 | 6,745 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $151,000 | 6,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $160,000 | 3,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $151,000 | 6,732 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $608,000 | 7,362 |
| Total interest expense | $340,000 | 6,698 |
| Net interest income | $268,000 | 7,800 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $30,000 | 7,460 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $1,000 | 7,501 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $29,000 | 6,041 |
| Total noninterest expense | $213,000 | 7,936 |
| Salaries and employee benefits | $130,000 | 7,830 |
| Premises and equipment expense | $25,000 | 7,791 |
| Additional noninterest expense | $58,000 | 7,916 |
| Pre-tax net operating income | $85,000 | 6,861 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $85,000 | 6,624 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $85,000 | 6,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $160,000 | 2,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $85,000 | 6,613 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,223,000 | 7,368 |
| Total interest expense | $1,192,000 | 6,601 |
| Net interest income | $1,031,000 | 7,805 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $138,000 | 7,408 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $4,000 | 7,527 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $134,000 | 5,839 |
| Total noninterest expense | $808,000 | 7,994 |
| Salaries and employee benefits | $501,000 | 7,864 |
| Premises and equipment expense | $95,000 | 7,856 |
| Additional noninterest expense | $212,000 | 8,049 |
| Pre-tax net operating income | $361,000 | 6,910 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $361,000 | 6,673 |
| Extraordinary gains, net | $19,000 | 41 |
| Net income | $380,000 | 6,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $155,000 | 5,166 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $361,000 | 6,672 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,642,000 | 7,441 |
| Total interest expense | $869,000 | 6,629 |
| Net interest income | $773,000 | 7,883 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $105,000 | 7,460 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $3,000 | 7,593 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $102,000 | 5,813 |
| Total noninterest expense | $606,000 | 8,006 |
| Salaries and employee benefits | $385,000 | 7,831 |
| Premises and equipment expense | $70,000 | 7,913 |
| Additional noninterest expense | $151,000 | 8,129 |
| Pre-tax net operating income | $272,000 | 7,134 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $272,000 | 6,863 |
| Extraordinary gains, net | $19,000 | 37 |
| Net income | $291,000 | 6,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $155,000 | 4,406 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $272,000 | 6,866 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,068,000 | 7,489 |
| Total interest expense | $565,000 | 6,621 |
| Net interest income | $503,000 | 7,960 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $71,000 | 7,488 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,000 | 7,616 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $69,000 | 5,814 |
| Total noninterest expense | $399,000 | 8,050 |
| Salaries and employee benefits | $258,000 | 7,855 |
| Premises and equipment expense | $48,000 | 7,895 |
| Additional noninterest expense | $93,000 | 8,237 |
| Pre-tax net operating income | $175,000 | 7,234 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $175,000 | 6,960 |
| Extraordinary gains, net | $19,000 | 31 |
| Net income | $194,000 | 6,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $155,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $175,000 | 6,962 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $534,000 | 7,482 |
| Total interest expense | $280,000 | 6,542 |
| Net interest income | $254,000 | 7,960 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $27,000 | 7,770 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,000 | 7,643 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $26,000 | 6,300 |
| Total noninterest expense | $199,000 | 8,075 |
| Salaries and employee benefits | $128,000 | 7,892 |
| Premises and equipment expense | $27,000 | 7,763 |
| Additional noninterest expense | $44,000 | 8,295 |
| Pre-tax net operating income | $82,000 | 7,279 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $82,000 | 7,017 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $82,000 | 7,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $155,000 | 2,675 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $82,000 | 7,018 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,804,000 | 7,631 |
| Total interest expense | $766,000 | 6,877 |
| Net interest income | $1,038,000 | 7,890 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $136,000 | 7,621 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $4,000 | 7,677 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $132,000 | 5,948 |
| Total noninterest expense | $855,000 | 7,986 |
| Salaries and employee benefits | $471,000 | 7,994 |
| Premises and equipment expense | $150,000 | 7,278 |
| Additional noninterest expense | $234,000 | 8,015 |
| Pre-tax net operating income | $319,000 | 7,325 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-139,000 | 8,635 |
| Income before extraordinary items | $458,000 | 6,544 |
| Extraordinary gains, net | $345,000 | 20 |
| Net income | $803,000 | 5,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $193,000 | 4,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $458,000 | 6,522 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,287,000 | 7,725 |
| Total interest expense | $527,000 | 6,978 |
| Net interest income | $760,000 | 7,964 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $103,000 | 7,650 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $3,000 | 7,723 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $100,000 | 5,941 |
| Total noninterest expense | $634,000 | 8,001 |
| Salaries and employee benefits | $336,000 | 8,039 |
| Premises and equipment expense | $112,000 | 7,293 |
| Additional noninterest expense | $186,000 | 7,932 |
| Pre-tax net operating income | $229,000 | 7,520 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-139,000 | 8,737 |
| Income before extraordinary items | $368,000 | 6,553 |
| Extraordinary gains, net | $345,000 | 13 |
| Net income | $713,000 | 5,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $193,000 | 4,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $368,000 | 6,508 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $827,000 | 7,768 |
| Total interest expense | $330,000 | 7,014 |
| Net interest income | $497,000 | 8,002 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $68,000 | 7,644 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,000 | 7,756 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $67,000 | 5,953 |
| Total noninterest expense | $426,000 | 7,990 |
| Salaries and employee benefits | $213,000 | 8,116 |
| Premises and equipment expense | $73,000 | 7,338 |
| Additional noninterest expense | $140,000 | 7,748 |
| Pre-tax net operating income | $139,000 | 7,613 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $14,000 | 6,269 |
| Income before extraordinary items | $125,000 | 7,544 |
| Extraordinary gains, net | $329,000 | 10 |
| Net income | $454,000 | 5,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $193,000 | 3,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $125,000 | 7,502 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $391,000 | 7,900 |
| Total interest expense | $155,000 | 7,102 |
| Net interest income | $237,000 | 8,154 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $34,000 | 7,645 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $1,000 | 7,789 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $33,000 | 6,001 |
| Total noninterest expense | $213,000 | 8,069 |
| Salaries and employee benefits | $112,000 | 8,130 |
| Premises and equipment expense | $35,000 | 7,470 |
| Additional noninterest expense | $66,000 | 7,893 |
| Pre-tax net operating income | $58,000 | 7,788 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $14,000 | 5,897 |
| Income before extraordinary items | $44,000 | 7,861 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $44,000 | 7,861 |
| 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 | $44,000 | 7,833 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,384,000 | 8,027 |
| Total interest expense | $536,000 | 7,173 |
| Net interest income | $848,000 | 8,239 |
| Provision for loan and lease losses | $3,000 | 7,246 |
| Total noninterest income | $258,000 | 6,713 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $4,000 | 7,843 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $254,000 | 4,601 |
| Total noninterest expense | $796,000 | 8,167 |
| Salaries and employee benefits | $408,000 | 8,276 |
| Premises and equipment expense | $145,000 | 7,385 |
| Additional noninterest expense | $243,000 | 8,028 |
| Pre-tax net operating income | $307,000 | 7,412 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $100,000 | 5,504 |
| Income before extraordinary items | $207,000 | 7,612 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $207,000 | 7,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $207,000 | 7,571 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,000,000 | 8,103 |
| Total interest expense | $390,000 | 7,252 |
| Net interest income | $610,000 | 8,324 |
| Provision for loan and lease losses | $3,000 | 7,022 |
| Total noninterest income | $212,000 | 6,570 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $3,000 | 7,885 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $209,000 | 4,407 |
| Total noninterest expense | $595,000 | 8,165 |
| Salaries and employee benefits | $304,000 | 8,269 |
| Premises and equipment expense | $110,000 | 7,337 |
| Additional noninterest expense | $181,000 | 8,041 |
| Pre-tax net operating income | $224,000 | 7,573 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $71,000 | 5,694 |
| Income before extraordinary items | $153,000 | 7,756 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $153,000 | 7,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $153,000 | 7,713 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $653,000 | 8,189 |
| Total interest expense | $257,000 | 7,334 |
| Net interest income | $396,000 | 8,397 |
| Provision for loan and lease losses | $3,000 | 6,762 |
| Total noninterest income | $90,000 | 7,409 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $2,000 | 7,934 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $88,000 | 5,416 |
| Total noninterest expense | $383,000 | 8,268 |
| Salaries and employee benefits | $189,000 | 8,420 |
| Premises and equipment expense | $76,000 | 7,324 |
| Additional noninterest expense | $118,000 | 8,119 |
| Pre-tax net operating income | $100,000 | 7,922 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $34,000 | 5,952 |
| Income before extraordinary items | $66,000 | 8,107 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $66,000 | 8,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $66,000 | 8,049 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $340,000 | 8,185 |
| Total interest expense | $131,000 | 7,344 |
| Net interest income | $209,000 | 8,385 |
| Provision for loan and lease losses | $3,000 | 6,219 |
| Total noninterest income | $61,000 | 6,830 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,000 | 7,896 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $59,000 | 4,776 |
| Total noninterest expense | $193,000 | 8,293 |
| Salaries and employee benefits | $100,000 | 8,382 |
| Premises and equipment expense | $39,000 | 7,313 |
| Additional noninterest expense | $54,000 | 8,302 |
| Pre-tax net operating income | $74,000 | 7,547 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $25,000 | 5,581 |
| Income before extraordinary items | $49,000 | 7,802 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $49,000 | 7,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $49,000 | 7,739 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,319,000 | 8,264 |
| Total interest expense | $586,000 | 7,433 |
| Net interest income | $733,000 | 8,513 |
| Provision for loan and lease losses | $87,000 | 5,545 |
| Total noninterest income | $718,000 | 4,490 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $3,000 | 8,011 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $715,000 | 2,931 |
| Total noninterest expense | $797,000 | 8,280 |
| Salaries and employee benefits | $428,000 | 8,314 |
| Premises and equipment expense | $154,000 | 7,347 |
| Additional noninterest expense | $215,000 | 8,342 |
| Pre-tax net operating income | $567,000 | 6,458 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $192,000 | 4,979 |
| Income before extraordinary items | $375,000 | 6,920 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $375,000 | 6,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $375,000 | 6,770 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $960,000 | 8,403 |
| Total interest expense | $448,000 | 7,544 |
| Net interest income | $512,000 | 8,657 |
| Provision for loan and lease losses | $69,000 | 5,341 |
| Total noninterest income | $667,000 | 4,042 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,000 | 8,072 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $665,000 | 2,660 |
| Total noninterest expense | $613,000 | 8,241 |
| Salaries and employee benefits | $335,000 | 8,270 |
| Premises and equipment expense | $118,000 | 7,305 |
| Additional noninterest expense | $160,000 | 8,372 |
| Pre-tax net operating income | $497,000 | 6,299 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $168,000 | 4,938 |
| Income before extraordinary items | $329,000 | 6,777 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $329,000 | 6,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $329,000 | 6,606 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $624,000 | 8,488 |
| Total interest expense | $304,000 | 7,626 |
| Net interest income | $320,000 | 8,745 |
| Provision for loan and lease losses | $22,000 | 6,241 |
| Total noninterest income | $542,000 | 3,569 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $2,000 | 8,080 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $540,000 | 2,335 |
| Total noninterest expense | $434,000 | 8,176 |
| Salaries and employee benefits | $250,000 | 8,084 |
| Premises and equipment expense | $79,000 | 7,317 |
| Additional noninterest expense | $105,000 | 8,380 |
| Pre-tax net operating income | $406,000 | 5,823 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $137,000 | 4,645 |
| Income before extraordinary items | $269,000 | 6,355 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $269,000 | 6,354 |
| 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 | $269,000 | 6,142 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $308,000 | 8,573 |
| Total interest expense | $153,000 | 7,708 |
| Net interest income | $155,000 | 8,817 |
| Provision for loan and lease losses | $19,000 | 5,348 |
| Total noninterest income | $293,000 | 3,295 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $3,000 | 8,021 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $290,000 | 2,157 |
| Total noninterest expense | $227,000 | 8,118 |
| Salaries and employee benefits | $129,000 | 8,056 |
| Premises and equipment expense | $44,000 | 7,119 |
| Additional noninterest expense | $54,000 | 8,376 |
| Pre-tax net operating income | $202,000 | 5,818 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $67,000 | 4,650 |
| Income before extraordinary items | $135,000 | 6,269 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $135,000 | 6,268 |
| 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 | $135,000 | 6,099 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,022,000 | 8,834 |
| Total interest expense | $514,000 | 8,344 |
| Net interest income | $508,000 | 8,992 |
| Provision for loan and lease losses | $46,000 | 6,809 |
| Total noninterest income | $804,000 | 3,980 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $6,000 | 8,124 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $798,000 | 2,506 |
| Total noninterest expense | $850,000 | 8,246 |
| Salaries and employee benefits | $439,000 | 8,358 |
| Premises and equipment expense | $202,000 | 6,751 |
| Additional noninterest expense | $209,000 | 8,495 |
| Pre-tax net operating income | $416,000 | 7,097 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $71,000 | 6,269 |
| Income before extraordinary items | $345,000 | 7,100 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $345,000 | 7,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $345,000 | 6,988 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $370,000 | 9,480 |
| Total interest expense | $133,000 | 9,442 |
| Net interest income | $237,000 | 9,467 |
| Provision for loan and lease losses | $118,000 | 5,336 |
| Total noninterest income | $326,000 | 6,192 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,000 | 8,372 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $325,000 | 3,939 |
| Total noninterest expense | $669,000 | 8,754 |
| Salaries and employee benefits | $369,000 | 8,753 |
| Premises and equipment expense | $157,000 | 7,410 |
| Additional noninterest expense | $143,000 | 9,108 |
| Pre-tax net operating income | $-224,000 | 8,984 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-224,000 | 9,071 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-224,000 | 9,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $5,442,000 | 168 |
| Net operating income | $-224,000 | 9,013 |
* 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.