Home > Excel Bank > Income and Expense
Excel Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $6,126,000 | 3,115 |
| Total interest expense | $1,376,000 | 2,389 |
| Net interest income | $4,750,000 | 3,287 |
| Provision for loan and lease losses | $5,163,000 | 394 |
| Total noninterest income | $319,000 | 4,780 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $427,000 | 2,270 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-108,000 | 6,928 |
| Total noninterest expense | $6,628,000 | 2,169 |
| Salaries and employee benefits | $1,938,000 | 3,505 |
| Premises and equipment expense | $716,000 | 2,391 |
| Additional noninterest expense | $3,974,000 | 1,275 |
| Pre-tax net operating income | $-6,722,000 | 7,113 |
| Securities gains (losses) | $333,000 | 1,024 |
| Applicable income taxes | $6,000 | 4,487 |
| Income before extraordinary items | $-6,395,000 | 7,119 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-6,395,000 | 7,119 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-6,395,000 | 7,119 |
| Net charge-offs | $5,274,000 | 442 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-6,728,000 | 7,115 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,415,000 | 2,952 |
| Total interest expense | $986,000 | 2,308 |
| Net interest income | $3,429,000 | 3,099 |
| Provision for loan and lease losses | $4,747,000 | 312 |
| Total noninterest income | $-63,000 | 7,084 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $279,000 | 2,285 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-342,000 | 7,134 |
| Total noninterest expense | $4,545,000 | 2,112 |
| Salaries and employee benefits | $1,375,000 | 3,369 |
| Premises and equipment expense | $479,000 | 2,378 |
| Additional noninterest expense | $2,691,000 | 1,262 |
| Pre-tax net operating income | $-5,926,000 | 7,198 |
| Securities gains (losses) | $238,000 | 995 |
| Applicable income taxes | $4,000 | 4,475 |
| Income before extraordinary items | $-5,692,000 | 7,199 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-5,692,000 | 7,199 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-5,692,000 | 7,199 |
| Net charge-offs | $2,350,000 | 617 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-5,930,000 | 7,194 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,205,000 | 2,977 |
| Total interest expense | $532,000 | 2,247 |
| Net interest income | $1,673,000 | 3,171 |
| Provision for loan and lease losses | $546,000 | 999 |
| Total noninterest income | $-297,000 | 7,259 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $138,000 | 2,285 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-435,000 | 7,264 |
| Total noninterest expense | $2,104,000 | 2,267 |
| Salaries and employee benefits | $666,000 | 3,476 |
| Premises and equipment expense | $234,000 | 2,443 |
| Additional noninterest expense | $1,204,000 | 1,403 |
| Pre-tax net operating income | $-1,274,000 | 7,186 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $1,000 | 4,577 |
| Income before extraordinary items | $-1,275,000 | 7,197 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,275,000 | 7,197 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-1,275,000 | 7,197 |
| Net charge-offs | $134,000 | 2,190 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-1,275,000 | 7,191 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $11,323,000 | 2,474 |
| Total interest expense | $2,961,000 | 1,983 |
| Net interest income | $8,362,000 | 2,619 |
| Provision for loan and lease losses | $10,433,000 | 403 |
| Total noninterest income | $1,522,000 | 2,427 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $546,000 | 2,396 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $976,000 | 2,169 |
| Total noninterest expense | $7,690,000 | 2,460 |
| Salaries and employee benefits | $2,781,000 | 3,289 |
| Premises and equipment expense | $992,000 | 2,423 |
| Additional noninterest expense | $3,917,000 | 1,734 |
| Pre-tax net operating income | $-8,239,000 | 7,175 |
| Securities gains (losses) | $30,000 | 2,902 |
| Applicable income taxes | $19,000 | 4,130 |
| Income before extraordinary items | $-8,228,000 | 7,180 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-8,228,000 | 7,179 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-8,228,000 | 7,180 |
| Net charge-offs | $10,076,000 | 451 |
| Cash dividends | $20,000 | 4,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-8,258,000 | 7,172 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $9,010,000 | 2,342 |
| Total interest expense | $2,332,000 | 1,968 |
| Net interest income | $6,678,000 | 2,473 |
| Provision for loan and lease losses | $7,465,000 | 418 |
| Total noninterest income | $1,053,000 | 2,542 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $415,000 | 2,391 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $638,000 | 2,342 |
| Total noninterest expense | $5,272,000 | 2,666 |
| Salaries and employee benefits | $2,000,000 | 3,399 |
| Premises and equipment expense | $754,000 | 2,416 |
| Additional noninterest expense | $2,518,000 | 2,008 |
| Pre-tax net operating income | $-5,006,000 | 7,232 |
| Securities gains (losses) | $30,000 | 2,637 |
| Applicable income taxes | $15,000 | 4,140 |
| Income before extraordinary items | $-4,991,000 | 7,243 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-4,991,000 | 7,241 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-4,991,000 | 7,242 |
| Net charge-offs | $8,720,000 | 391 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-5,021,000 | 7,240 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,253,000 | 2,269 |
| Total interest expense | $1,629,000 | 1,957 |
| Net interest income | $4,624,000 | 2,374 |
| Provision for loan and lease losses | $5,965,000 | 363 |
| Total noninterest income | $668,000 | 2,621 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $293,000 | 2,270 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $375,000 | 2,527 |
| Total noninterest expense | $3,477,000 | 2,704 |
| Salaries and employee benefits | $1,284,000 | 3,510 |
| Premises and equipment expense | $503,000 | 2,437 |
| Additional noninterest expense | $1,690,000 | 2,022 |
| Pre-tax net operating income | $-4,150,000 | 7,336 |
| Securities gains (losses) | $30,000 | 1,889 |
| Applicable income taxes | $10,000 | 4,094 |
| Income before extraordinary items | $-4,130,000 | 7,345 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-4,130,000 | 7,345 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-4,130,000 | 7,345 |
| Net charge-offs | $3,394,000 | 619 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-4,160,000 | 7,343 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,243,000 | 2,209 |
| Total interest expense | $839,000 | 1,967 |
| Net interest income | $2,404,000 | 2,271 |
| Provision for loan and lease losses | $87,000 | 3,570 |
| Total noninterest income | $382,000 | 2,428 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $148,000 | 2,214 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $234,000 | 2,246 |
| Total noninterest expense | $1,626,000 | 2,885 |
| Salaries and employee benefits | $672,000 | 3,427 |
| Premises and equipment expense | $240,000 | 2,568 |
| Additional noninterest expense | $714,000 | 2,322 |
| Pre-tax net operating income | $1,073,000 | 1,350 |
| Securities gains (losses) | $5,000 | 1,451 |
| Applicable income taxes | $5,000 | 4,051 |
| Income before extraordinary items | $1,073,000 | 1,145 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,073,000 | 1,145 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,073,000 | 1,145 |
| Net charge-offs | $5,000 | 4,645 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $1,068,000 | 1,117 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $15,282,000 | 1,976 |
| Total interest expense | $4,329,000 | 1,855 |
| Net interest income | $10,953,000 | 1,987 |
| Provision for loan and lease losses | $7,232,000 | 854 |
| Total noninterest income | $1,669,000 | 2,355 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $649,000 | 2,161 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,020,000 | 2,162 |
| Total noninterest expense | $6,309,000 | 2,984 |
| Salaries and employee benefits | $2,696,000 | 3,402 |
| Premises and equipment expense | $1,059,000 | 2,354 |
| Additional noninterest expense | $2,554,000 | 2,638 |
| Pre-tax net operating income | $-919,000 | 6,442 |
| Securities gains (losses) | $109,000 | 2,090 |
| Applicable income taxes | $23,000 | 3,959 |
| Income before extraordinary items | $-833,000 | 6,513 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-833,000 | 6,515 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-833,000 | 6,515 |
| Net charge-offs | $4,195,000 | 1,169 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-942,000 | 6,526 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $11,720,000 | 1,981 |
| Total interest expense | $3,332,000 | 1,883 |
| Net interest income | $8,388,000 | 1,976 |
| Provision for loan and lease losses | $1,601,000 | 1,897 |
| Total noninterest income | $1,082,000 | 2,586 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $498,000 | 2,180 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $584,000 | 2,522 |
| Total noninterest expense | $4,865,000 | 2,904 |
| Salaries and employee benefits | $1,990,000 | 3,452 |
| Premises and equipment expense | $828,000 | 2,324 |
| Additional noninterest expense | $2,047,000 | 2,437 |
| Pre-tax net operating income | $3,004,000 | 1,330 |
| Securities gains (losses) | $109,000 | 1,866 |
| Applicable income taxes | $18,000 | 4,039 |
| Income before extraordinary items | $3,095,000 | 1,097 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $3,095,000 | 1,100 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $3,095,000 | 1,100 |
| Net charge-offs | $217,000 | 4,133 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $2,987,090 | 1,091 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,916,000 | 1,967 |
| Total interest expense | $2,277,000 | 1,910 |
| Net interest income | $5,639,000 | 1,965 |
| Provision for loan and lease losses | $1,060,000 | 1,872 |
| Total noninterest income | $633,000 | 2,769 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $344,000 | 2,121 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $289,000 | 2,897 |
| Total noninterest expense | $3,194,000 | 2,957 |
| Salaries and employee benefits | $1,230,000 | 3,691 |
| Premises and equipment expense | $528,000 | 2,416 |
| Additional noninterest expense | $1,436,000 | 2,340 |
| Pre-tax net operating income | $2,018,000 | 1,293 |
| Securities gains (losses) | $47,000 | 1,928 |
| Applicable income taxes | $11,000 | 4,050 |
| Income before extraordinary items | $2,054,000 | 1,090 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,054,000 | 1,092 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $2,054,000 | 1,091 |
| Net charge-offs | $4,000 | 6,102 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $2,007,470 | 1,067 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,940,000 | 2,031 |
| Total interest expense | $1,188,000 | 1,926 |
| Net interest income | $2,752,000 | 2,031 |
| Provision for loan and lease losses | $200,000 | 2,974 |
| Total noninterest income | $326,000 | 2,709 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $173,000 | 2,107 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $153,000 | 2,803 |
| Total noninterest expense | $1,553,000 | 3,061 |
| Salaries and employee benefits | $606,000 | 3,788 |
| Premises and equipment expense | $267,000 | 2,450 |
| Additional noninterest expense | $680,000 | 2,436 |
| Pre-tax net operating income | $1,325,000 | 1,006 |
| Securities gains (losses) | $42,000 | 1,216 |
| Applicable income taxes | $4,000 | 4,179 |
| Income before extraordinary items | $1,363,000 | 808 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,363,000 | 812 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $1,363,000 | 812 |
| Net charge-offs | $-1,000 | 6,806 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $1,321,000 | 799 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $14,124,000 | 2,369 |
| Total interest expense | $5,974,000 | 1,929 |
| Net interest income | $8,150,000 | 2,676 |
| Provision for loan and lease losses | $2,035,000 | 2,457 |
| Total noninterest income | $1,594,000 | 2,458 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $885,000 | 1,878 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $709,000 | 2,644 |
| Total noninterest expense | $5,824,000 | 3,257 |
| Salaries and employee benefits | $2,193,000 | 4,079 |
| Premises and equipment expense | $896,000 | 2,838 |
| Additional noninterest expense | $2,735,000 | 2,547 |
| Pre-tax net operating income | $1,885,000 | 2,000 |
| Securities gains (losses) | $-805,000 | 7,667 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $1,080,000 | 2,650 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,080,000 | 2,648 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,080,000 | 2,649 |
| Net charge-offs | $165,000 | 5,218 |
| Cash dividends | $2,281,000 | 798 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,885,000 | 1,731 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,611,000 | 2,401 |
| Total interest expense | $4,550,000 | 1,991 |
| Net interest income | $6,061,000 | 2,701 |
| Provision for loan and lease losses | $1,199,000 | 2,520 |
| Total noninterest income | $1,158,000 | 2,568 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $672,000 | 1,868 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $486,000 | 2,857 |
| Total noninterest expense | $4,373,000 | 3,252 |
| Salaries and employee benefits | $1,439,000 | 4,506 |
| Premises and equipment expense | $652,000 | 2,939 |
| Additional noninterest expense | $2,282,000 | 2,288 |
| Pre-tax net operating income | $1,647,000 | 1,886 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $1,647,000 | 1,624 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,647,000 | 1,622 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,647,000 | 1,624 |
| Net charge-offs | $110,000 | 4,969 |
| Cash dividends | $1,891,000 | 675 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,647,000 | 1,584 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,236,000 | 2,725 |
| Total interest expense | $3,003,000 | 2,092 |
| Net interest income | $3,233,000 | 3,255 |
| Provision for loan and lease losses | $393,000 | 3,306 |
| Total noninterest income | $797,000 | 2,521 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $431,000 | 1,903 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $366,000 | 2,678 |
| Total noninterest expense | $2,792,000 | 3,410 |
| Salaries and employee benefits | $911,000 | 4,718 |
| Premises and equipment expense | $434,000 | 2,983 |
| Additional noninterest expense | $1,447,000 | 2,417 |
| Pre-tax net operating income | $845,000 | 2,414 |
| Securities gains (losses) | $215,000 | 975 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $1,060,000 | 1,758 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,060,000 | 1,755 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,060,000 | 1,757 |
| Net charge-offs | $-56,000 | 8,108 |
| Cash dividends | $791,000 | 1,151 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $845,000 | 2,086 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,878,000 | 2,967 |
| Total interest expense | $1,438,000 | 2,232 |
| Net interest income | $1,440,000 | 3,574 |
| Provision for loan and lease losses | $120,000 | 3,591 |
| Total noninterest income | $344,000 | 2,762 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $209,000 | 1,890 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $135,000 | 3,146 |
| Total noninterest expense | $1,248,000 | 3,659 |
| Salaries and employee benefits | $469,000 | 4,677 |
| Premises and equipment expense | $215,000 | 3,059 |
| Additional noninterest expense | $564,000 | 2,703 |
| Pre-tax net operating income | $416,000 | 2,723 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $416,000 | 2,479 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $416,000 | 2,479 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $416,000 | 2,481 |
| Net charge-offs | $-5,000 | 7,701 |
| Cash dividends | $475,000 | 941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $416,000 | 2,333 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $10,578,000 | 3,380 |
| Total interest expense | $5,601,000 | 2,676 |
| Net interest income | $4,977,000 | 3,958 |
| Provision for loan and lease losses | $625,000 | 3,430 |
| Total noninterest income | $1,240,000 | 2,977 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $991,000 | 1,773 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $249,000 | 4,446 |
| Total noninterest expense | $4,359,000 | 3,975 |
| Salaries and employee benefits | $1,691,000 | 4,981 |
| Premises and equipment expense | $779,000 | 3,243 |
| Additional noninterest expense | $1,889,000 | 3,010 |
| Pre-tax net operating income | $1,233,000 | 3,369 |
| Securities gains (losses) | $27,000 | 2,003 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $1,260,000 | 2,819 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,260,000 | 2,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $292,000 | 3,561 |
| Cash dividends | $1,060,000 | 2,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,233,000 | 3,003 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,749,000 | 3,500 |
| Total interest expense | $4,183,000 | 2,796 |
| Net interest income | $3,566,000 | 4,112 |
| Provision for loan and lease losses | $248,000 | 3,868 |
| Total noninterest income | $949,000 | 2,995 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $754,000 | 1,765 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $195,000 | 4,471 |
| Total noninterest expense | $3,234,000 | 3,991 |
| Salaries and employee benefits | $1,315,000 | 4,882 |
| Premises and equipment expense | $547,000 | 3,430 |
| Additional noninterest expense | $1,372,000 | 2,994 |
| Pre-tax net operating income | $1,033,000 | 3,615 |
| Securities gains (losses) | $9,000 | 2,413 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $1,042,000 | 3,016 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,042,000 | 3,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,073 |
| Cash dividends | $760,000 | 2,162 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,033,000 | 3,181 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,066,000 | 3,611 |
| Total interest expense | $2,815,000 | 2,877 |
| Net interest income | $2,251,000 | 4,257 |
| Provision for loan and lease losses | $70,000 | 4,755 |
| Total noninterest income | $503,000 | 3,488 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $490,000 | 1,785 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $13,000 | 7,530 |
| Total noninterest expense | $2,158,000 | 4,006 |
| Salaries and employee benefits | $844,000 | 5,055 |
| Premises and equipment expense | $380,000 | 3,340 |
| Additional noninterest expense | $934,000 | 2,915 |
| Pre-tax net operating income | $526,000 | 4,288 |
| Securities gains (losses) | $9,000 | 2,500 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $535,000 | 3,880 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $535,000 | 3,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,260 |
| Cash dividends | $460,000 | 2,408 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $526,000 | 3,856 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,481,000 | 3,753 |
| Total interest expense | $1,428,000 | 3,014 |
| Net interest income | $1,053,000 | 4,449 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $308,000 | 3,079 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $218,000 | 1,928 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $90,000 | 3,968 |
| Total noninterest expense | $1,022,000 | 4,171 |
| Salaries and employee benefits | $490,000 | 4,627 |
| Premises and equipment expense | $185,000 | 3,427 |
| Additional noninterest expense | $347,000 | 3,703 |
| Pre-tax net operating income | $339,000 | 3,879 |
| Securities gains (losses) | $9,000 | 2,013 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $348,000 | 3,492 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $348,000 | 3,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 2,776 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $339,000 | 3,447 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,680,000 | 3,846 |
| Total interest expense | $5,797,000 | 3,090 |
| Net interest income | $3,883,000 | 4,720 |
| Provision for loan and lease losses | $776,000 | 1,705 |
| Total noninterest income | $1,106,000 | 3,332 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $844,000 | 2,046 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $262,000 | 4,488 |
| Total noninterest expense | $3,525,000 | 4,491 |
| Salaries and employee benefits | $1,633,000 | 5,035 |
| Premises and equipment expense | $722,000 | 3,365 |
| Additional noninterest expense | $1,170,000 | 4,143 |
| Pre-tax net operating income | $688,000 | 5,474 |
| Securities gains (losses) | $59,000 | 743 |
| Applicable income taxes | $65,000 | 4,781 |
| Income before extraordinary items | $682,000 | 5,103 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $682,000 | 5,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $577,000 | 1,522 |
| Cash dividends | $449,000 | 3,896 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $628,310 | 5,241 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,255,000 | 3,861 |
| Total interest expense | $4,359,000 | 3,084 |
| Net interest income | $2,896,000 | 4,747 |
| Provision for loan and lease losses | $145,000 | 3,535 |
| Total noninterest income | $808,000 | 3,371 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $609,000 | 2,083 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $199,000 | 4,493 |
| Total noninterest expense | $2,693,000 | 4,422 |
| Salaries and employee benefits | $1,448,000 | 4,494 |
| Premises and equipment expense | $551,000 | 3,293 |
| Additional noninterest expense | $694,000 | 4,827 |
| Pre-tax net operating income | $866,000 | 4,680 |
| Securities gains (losses) | $9,000 | 1,036 |
| Applicable income taxes | $53,000 | 4,907 |
| Income before extraordinary items | $822,000 | 4,290 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $822,000 | 4,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,856 |
| Cash dividends | $449,000 | 3,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $813,540 | 4,304 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,849,000 | 3,871 |
| Total interest expense | $2,896,000 | 3,089 |
| Net interest income | $1,953,000 | 4,737 |
| Provision for loan and lease losses | $98,000 | 3,335 |
| Total noninterest income | $542,000 | 3,386 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $398,000 | 2,123 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $144,000 | 4,393 |
| Total noninterest expense | $1,723,000 | 4,566 |
| Salaries and employee benefits | $936,000 | 4,625 |
| Premises and equipment expense | $350,000 | 3,448 |
| Additional noninterest expense | $437,000 | 4,999 |
| Pre-tax net operating income | $674,000 | 4,405 |
| Securities gains (losses) | $9,000 | 893 |
| Applicable income taxes | $41,000 | 4,901 |
| Income before extraordinary items | $642,000 | 4,026 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $642,000 | 4,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,420 |
| Cash dividends | $285,000 | 3,210 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $633,540 | 4,045 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,480,000 | 3,794 |
| Total interest expense | $1,467,000 | 3,043 |
| Net interest income | $1,013,000 | 4,655 |
| Provision for loan and lease losses | $51,000 | 3,056 |
| Total noninterest income | $291,000 | 3,173 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $181,000 | 2,242 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $110,000 | 3,585 |
| Total noninterest expense | $874,000 | 4,524 |
| Salaries and employee benefits | $490,000 | 4,502 |
| Premises and equipment expense | $178,000 | 3,422 |
| Additional noninterest expense | $206,000 | 5,178 |
| Pre-tax net operating income | $379,000 | 4,121 |
| Securities gains (losses) | $9,000 | 715 |
| Applicable income taxes | $29,000 | 4,646 |
| Income before extraordinary items | $359,000 | 3,751 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $359,000 | 3,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,384 |
| Cash dividends | $285,000 | 2,075 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $350,630 | 3,799 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,580,000 | 3,696 |
| Total interest expense | $5,359,000 | 2,851 |
| Net interest income | $4,221,000 | 4,503 |
| Provision for loan and lease losses | $322,000 | 2,644 |
| Total noninterest income | $983,000 | 3,586 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $814,000 | 2,089 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $169,000 | 5,416 |
| Total noninterest expense | $3,451,000 | 4,449 |
| Salaries and employee benefits | $1,904,000 | 4,435 |
| Premises and equipment expense | $677,000 | 3,419 |
| Additional noninterest expense | $870,000 | 4,974 |
| Pre-tax net operating income | $1,431,000 | 4,397 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $34,000 | 5,690 |
| Income before extraordinary items | $1,397,000 | 3,943 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,397,000 | 3,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,730 |
| Cash dividends | $1,056,000 | 2,474 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,397,000 | 3,919 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,100,000 | 3,712 |
| Total interest expense | $3,928,000 | 2,822 |
| Net interest income | $3,172,000 | 4,539 |
| Provision for loan and lease losses | $142,000 | 3,496 |
| Total noninterest income | $722,000 | 3,644 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $599,000 | 2,122 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $123,000 | 5,486 |
| Total noninterest expense | $2,645,000 | 4,358 |
| Salaries and employee benefits | $1,481,000 | 4,274 |
| Premises and equipment expense | $507,000 | 3,431 |
| Additional noninterest expense | $657,000 | 4,926 |
| Pre-tax net operating income | $1,107,000 | 4,501 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $27,000 | 5,818 |
| Income before extraordinary items | $1,080,000 | 3,980 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,080,000 | 3,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,572 |
| Cash dividends | $792,000 | 2,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,080,000 | 3,969 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,665,000 | 3,697 |
| Total interest expense | $2,544,000 | 2,774 |
| Net interest income | $2,121,000 | 4,536 |
| Provision for loan and lease losses | $95,000 | 3,398 |
| Total noninterest income | $455,000 | 3,741 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $372,000 | 2,239 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $83,000 | 5,507 |
| Total noninterest expense | $1,750,000 | 4,397 |
| Salaries and employee benefits | $966,000 | 4,370 |
| Premises and equipment expense | $335,000 | 3,448 |
| Additional noninterest expense | $449,000 | 4,829 |
| Pre-tax net operating income | $731,000 | 4,531 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $19,000 | 5,826 |
| Income before extraordinary items | $712,000 | 4,024 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $712,000 | 4,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,125 |
| Cash dividends | $528,000 | 2,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $712,000 | 4,013 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,263,000 | 3,731 |
| Total interest expense | $1,227,000 | 2,745 |
| Net interest income | $1,036,000 | 4,608 |
| Provision for loan and lease losses | $48,000 | 3,203 |
| Total noninterest income | $215,000 | 3,820 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $179,000 | 2,233 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $36,000 | 5,743 |
| Total noninterest expense | $897,000 | 4,330 |
| Salaries and employee benefits | $511,000 | 4,215 |
| Premises and equipment expense | $163,000 | 3,538 |
| Additional noninterest expense | $223,000 | 4,845 |
| Pre-tax net operating income | $306,000 | 4,922 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $11,000 | 5,709 |
| Income before extraordinary items | $295,000 | 4,463 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $295,000 | 4,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,195 |
| Cash dividends | $264,000 | 2,093 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $295,000 | 4,450 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,539,000 | 3,933 |
| Total interest expense | $3,533,000 | 2,920 |
| Net interest income | $4,006,000 | 4,618 |
| Provision for loan and lease losses | $123,000 | 4,428 |
| Total noninterest income | $1,100,000 | 3,333 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $717,000 | 2,298 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $383,000 | 3,848 |
| Total noninterest expense | $3,339,000 | 4,457 |
| Salaries and employee benefits | $1,803,000 | 4,477 |
| Premises and equipment expense | $568,000 | 3,824 |
| Additional noninterest expense | $968,000 | 4,527 |
| Pre-tax net operating income | $1,644,000 | 4,166 |
| Securities gains (losses) | $-7,000 | 7,410 |
| Applicable income taxes | $31,000 | 6,130 |
| Income before extraordinary items | $1,606,000 | 3,622 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,606,000 | 3,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,965 |
| Cash dividends | $957,000 | 2,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,612,860 | 3,592 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,445,000 | 3,997 |
| Total interest expense | $2,483,000 | 2,944 |
| Net interest income | $2,962,000 | 4,689 |
| Provision for loan and lease losses | $92,000 | 4,283 |
| Total noninterest income | $694,000 | 3,750 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $539,000 | 2,296 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $155,000 | 5,131 |
| Total noninterest expense | $2,447,000 | 4,493 |
| Salaries and employee benefits | $1,358,000 | 4,421 |
| Premises and equipment expense | $407,000 | 3,923 |
| Additional noninterest expense | $682,000 | 4,708 |
| Pre-tax net operating income | $1,117,000 | 4,501 |
| Securities gains (losses) | $-7,000 | 7,795 |
| Applicable income taxes | $18,000 | 6,335 |
| Income before extraordinary items | $1,092,000 | 3,921 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,092,000 | 3,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,136 |
| Cash dividends | $465,000 | 2,924 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,098,860 | 3,864 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,531,000 | 4,010 |
| Total interest expense | $1,547,000 | 2,973 |
| Net interest income | $1,984,000 | 4,644 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $469,000 | 3,683 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $349,000 | 2,315 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $120,000 | 4,809 |
| Total noninterest expense | $1,556,000 | 4,619 |
| Salaries and employee benefits | $873,000 | 4,522 |
| Premises and equipment expense | $246,000 | 4,198 |
| Additional noninterest expense | $437,000 | 4,820 |
| Pre-tax net operating income | $837,000 | 4,175 |
| Securities gains (losses) | $-7,000 | 8,039 |
| Applicable income taxes | $11,000 | 6,378 |
| Income before extraordinary items | $819,000 | 3,590 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $819,000 | 3,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,208 |
| Cash dividends | $465,000 | 2,311 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $825,930 | 3,520 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,668,000 | 4,146 |
| Total interest expense | $717,000 | 3,056 |
| Net interest income | $951,000 | 4,785 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $213,000 | 3,819 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $166,000 | 2,356 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $47,000 | 5,321 |
| Total noninterest expense | $736,000 | 4,811 |
| Salaries and employee benefits | $400,000 | 4,838 |
| Premises and equipment expense | $119,000 | 4,321 |
| Additional noninterest expense | $217,000 | 4,810 |
| Pre-tax net operating income | $398,000 | 4,291 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,000 | 6,740 |
| Income before extraordinary items | $397,000 | 3,642 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $397,000 | 3,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,610 |
| Cash dividends | $222,000 | 2,097 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $397,000 | 3,604 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,020,000 | 4,255 |
| Total interest expense | $2,403,000 | 3,138 |
| Net interest income | $3,617,000 | 4,808 |
| Provision for loan and lease losses | $100,000 | 4,964 |
| Total noninterest income | $1,107,000 | 3,313 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $713,000 | 2,336 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $394,000 | 3,748 |
| Total noninterest expense | $3,087,000 | 4,573 |
| Salaries and employee benefits | $1,594,000 | 4,738 |
| Premises and equipment expense | $471,000 | 4,269 |
| Additional noninterest expense | $1,022,000 | 4,262 |
| Pre-tax net operating income | $1,537,000 | 4,189 |
| Securities gains (losses) | $14,000 | 2,631 |
| Applicable income taxes | $4,000 | 6,965 |
| Income before extraordinary items | $1,547,000 | 3,565 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,547,000 | 3,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $619,000 | 1,129 |
| Cash dividends | $1,029,000 | 2,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,533,000 | 3,523 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,493,000 | 4,252 |
| Total interest expense | $1,807,000 | 3,097 |
| Net interest income | $2,686,000 | 4,816 |
| Provision for loan and lease losses | $67,000 | 4,990 |
| Total noninterest income | $886,000 | 3,174 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $535,000 | 2,361 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $351,000 | 3,429 |
| Total noninterest expense | $2,310,000 | 4,546 |
| Salaries and employee benefits | $1,154,000 | 4,809 |
| Premises and equipment expense | $355,000 | 4,251 |
| Additional noninterest expense | $801,000 | 4,079 |
| Pre-tax net operating income | $1,195,000 | 4,163 |
| Securities gains (losses) | $20,000 | 2,305 |
| Applicable income taxes | $4,000 | 6,986 |
| Income before extraordinary items | $1,211,000 | 3,524 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,211,000 | 3,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $305,000 | 1,417 |
| Cash dividends | $705,000 | 2,189 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,191,000 | 3,482 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,018,000 | 4,237 |
| Total interest expense | $1,212,000 | 3,054 |
| Net interest income | $1,806,000 | 4,800 |
| Provision for loan and lease losses | $45,000 | 4,838 |
| Total noninterest income | $453,000 | 3,794 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $356,000 | 2,359 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $97,000 | 5,216 |
| Total noninterest expense | $1,544,000 | 4,572 |
| Salaries and employee benefits | $775,000 | 4,821 |
| Premises and equipment expense | $235,000 | 4,268 |
| Additional noninterest expense | $534,000 | 4,110 |
| Pre-tax net operating income | $670,000 | 4,556 |
| Securities gains (losses) | $13,000 | 2,268 |
| Applicable income taxes | $4,000 | 6,937 |
| Income before extraordinary items | $679,000 | 3,917 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $679,000 | 3,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 1,706 |
| Cash dividends | $483,000 | 2,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $666,130 | 3,888 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,504,000 | 4,252 |
| Total interest expense | $620,000 | 3,039 |
| Net interest income | $884,000 | 4,873 |
| Provision for loan and lease losses | $22,000 | 4,718 |
| Total noninterest income | $203,000 | 4,031 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $174,000 | 2,349 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $29,000 | 6,170 |
| Total noninterest expense | $739,000 | 4,735 |
| Salaries and employee benefits | $359,000 | 5,099 |
| Premises and equipment expense | $120,000 | 4,238 |
| Additional noninterest expense | $260,000 | 4,185 |
| Pre-tax net operating income | $326,000 | 4,619 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $4,000 | 6,676 |
| Income before extraordinary items | $322,000 | 4,084 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $322,000 | 4,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 2,824 |
| Cash dividends | $216,000 | 2,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $322,000 | 3,941 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,007,000 | 3,822 |
| Total interest expense | $3,015,000 | 2,851 |
| Net interest income | $3,992,000 | 4,373 |
| Provision for loan and lease losses | $355,000 | 2,824 |
| Total noninterest income | $955,000 | 3,816 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $718,000 | 2,314 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $237,000 | 4,951 |
| Total noninterest expense | $3,546,000 | 4,068 |
| Salaries and employee benefits | $1,469,000 | 4,910 |
| Premises and equipment expense | $520,000 | 3,950 |
| Additional noninterest expense | $1,557,000 | 2,976 |
| Pre-tax net operating income | $1,046,000 | 5,059 |
| Securities gains (losses) | $114,000 | 1,775 |
| Applicable income taxes | $63,000 | 6,123 |
| Income before extraordinary items | $1,097,000 | 4,394 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,097,000 | 4,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $501,000 | 1,603 |
| Cash dividends | $827,000 | 2,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $988,700 | 4,507 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,409,000 | 3,774 |
| Total interest expense | $2,348,000 | 2,843 |
| Net interest income | $3,061,000 | 4,330 |
| Provision for loan and lease losses | $327,000 | 2,355 |
| Total noninterest income | $712,000 | 3,903 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $530,000 | 2,350 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $182,000 | 4,974 |
| Total noninterest expense | $2,566,000 | 4,175 |
| Salaries and employee benefits | $1,152,000 | 4,766 |
| Premises and equipment expense | $371,000 | 4,076 |
| Additional noninterest expense | $1,043,000 | 3,273 |
| Pre-tax net operating income | $880,000 | 4,886 |
| Securities gains (losses) | $114,000 | 1,635 |
| Applicable income taxes | $51,000 | 6,185 |
| Income before extraordinary items | $943,000 | 4,137 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $943,000 | 4,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $490,000 | 1,182 |
| Cash dividends | $701,000 | 2,169 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $834,700 | 4,315 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,694,000 | 3,725 |
| Total interest expense | $1,627,000 | 2,831 |
| Net interest income | $2,067,000 | 4,298 |
| Provision for loan and lease losses | $245,000 | 2,166 |
| Total noninterest income | $479,000 | 3,839 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $345,000 | 2,372 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $134,000 | 4,782 |
| Total noninterest expense | $1,708,000 | 4,178 |
| Salaries and employee benefits | $782,000 | 4,685 |
| Premises and equipment expense | $246,000 | 4,101 |
| Additional noninterest expense | $680,000 | 3,319 |
| Pre-tax net operating income | $593,000 | 4,859 |
| Securities gains (losses) | $80,000 | 1,681 |
| Applicable income taxes | $39,000 | 6,120 |
| Income before extraordinary items | $634,000 | 4,135 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $634,000 | 4,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $473,000 | 875 |
| Cash dividends | $665,000 | 1,775 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $558,800 | 4,286 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,943,000 | 3,610 |
| Total interest expense | $850,000 | 2,770 |
| Net interest income | $1,093,000 | 4,118 |
| Provision for loan and lease losses | $83,000 | 2,698 |
| Total noninterest income | $229,000 | 3,836 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $159,000 | 2,464 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $70,000 | 4,607 |
| Total noninterest expense | $840,000 | 4,215 |
| Salaries and employee benefits | $376,000 | 4,846 |
| Premises and equipment expense | $122,000 | 4,095 |
| Additional noninterest expense | $342,000 | 3,259 |
| Pre-tax net operating income | $399,000 | 4,034 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $27,000 | 5,815 |
| Income before extraordinary items | $372,000 | 3,652 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $372,000 | 3,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 1,329 |
| Cash dividends | $278,000 | 1,861 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $372,000 | 3,478 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,364,000 | 3,510 |
| Total interest expense | $3,903,000 | 2,810 |
| Net interest income | $4,461,000 | 4,020 |
| Provision for loan and lease losses | $642,000 | 1,959 |
| Total noninterest income | $841,000 | 3,864 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $644,000 | 2,432 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $197,000 | 5,060 |
| Total noninterest expense | $2,983,000 | 4,482 |
| Salaries and employee benefits | $1,343,000 | 5,089 |
| Premises and equipment expense | $458,000 | 4,217 |
| Additional noninterest expense | $1,182,000 | 3,649 |
| Pre-tax net operating income | $1,677,000 | 3,816 |
| Securities gains (losses) | $54,000 | 2,339 |
| Applicable income taxes | $17,000 | 7,121 |
| Income before extraordinary items | $1,714,000 | 3,157 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,714,000 | 3,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $362,000 | 2,083 |
| Cash dividends | $1,209,000 | 1,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,660,540 | 3,142 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,198,000 | 3,564 |
| Total interest expense | $5,134,000 | 3,087 |
| Net interest income | $4,064,000 | 4,073 |
| Provision for loan and lease losses | $292,000 | 3,281 |
| Total noninterest income | $767,000 | 3,973 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $597,000 | 2,443 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $170,000 | 5,266 |
| Total noninterest expense | $2,648,000 | 4,768 |
| Salaries and employee benefits | $1,294,000 | 5,051 |
| Premises and equipment expense | $405,000 | 4,560 |
| Additional noninterest expense | $949,000 | 4,240 |
| Pre-tax net operating income | $1,891,000 | 3,306 |
| Securities gains (losses) | $23,000 | 3,041 |
| Applicable income taxes | $18,000 | 7,372 |
| Income before extraordinary items | $1,896,000 | 2,663 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,896,000 | 2,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 4,067 |
| Cash dividends | $1,291,000 | 1,869 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,873,230 | 2,604 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,020,000 | 3,720 |
| Total interest expense | $4,891,000 | 3,387 |
| Net interest income | $4,129,000 | 4,075 |
| Provision for loan and lease losses | $271,000 | 3,071 |
| Total noninterest income | $579,000 | 4,496 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $372,000 | 3,425 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $207,000 | 4,717 |
| Total noninterest expense | $2,472,000 | 4,897 |
| Salaries and employee benefits | $1,306,000 | 4,889 |
| Premises and equipment expense | $416,000 | 4,386 |
| Additional noninterest expense | $750,000 | 4,937 |
| Pre-tax net operating income | $1,965,000 | 3,371 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $16,000 | 7,940 |
| Income before extraordinary items | $1,949,000 | 2,634 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,949,000 | 2,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,894 |
| Cash dividends | $1,314,000 | 1,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,949,000 | 2,626 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,556,000 | 4,127 |
| Total interest expense | $3,914,000 | 3,649 |
| Net interest income | $3,642,000 | 4,517 |
| Provision for loan and lease losses | $198,000 | 3,594 |
| Total noninterest income | $436,000 | 5,364 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $343,000 | 3,612 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 6,795 |
| Total noninterest expense | $2,400,000 | 5,020 |
| Salaries and employee benefits | $1,122,000 | 5,420 |
| Premises and equipment expense | $411,000 | 4,437 |
| Additional noninterest expense | $867,000 | 4,501 |
| Pre-tax net operating income | $1,480,000 | 4,133 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $279,000 | 4,967 |
| Income before extraordinary items | $1,201,000 | 3,880 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,201,000 | 3,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,344 |
| Cash dividends | $533,000 | 3,386 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,201,000 | 3,847 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,692,000 | 4,556 |
| Total interest expense | $3,502,000 | 4,126 |
| Net interest income | $3,190,000 | 4,919 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $399,000 | 5,626 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $288,000 | 4,046 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,381 |
| Total noninterest expense | $2,013,000 | 5,574 |
| Salaries and employee benefits | $979,000 | 5,858 |
| Premises and equipment expense | $312,000 | 5,267 |
| Additional noninterest expense | $722,000 | 5,048 |
| Pre-tax net operating income | $1,456,000 | 4,274 |
| Securities gains (losses) | $51,000 | 1,715 |
| Applicable income taxes | $483,000 | 3,925 |
| Income before extraordinary items | $1,024,000 | 4,431 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,024,000 | 4,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,812 |
| Cash dividends | $303,000 | 4,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $989,320 | 4,462 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,582,000 | 5,348 |
| Total interest expense | $2,785,000 | 5,003 |
| Net interest income | $2,797,000 | 5,586 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $424,000 | 5,532 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $266,000 | 4,448 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $158,000 | 5,563 |
| Total noninterest expense | $1,998,000 | 5,660 |
| Salaries and employee benefits | $820,000 | 6,678 |
| Premises and equipment expense | $308,000 | 5,372 |
| Additional noninterest expense | $870,000 | 4,439 |
| Pre-tax net operating income | $1,103,000 | 5,526 |
| Securities gains (losses) | $90,000 | 1,032 |
| Applicable income taxes | $376,000 | 5,079 |
| Income before extraordinary items | $817,000 | 5,391 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $817,000 | 5,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 9,915 |
| Cash dividends | $155,000 | 5,831 |
| Sale, conversion, retirement of capital stock, net | $-66,000 | 10,763 |
| Net operating income | $755,800 | 5,608 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,441,000 | 6,455 |
| Total interest expense | $2,119,000 | 6,189 |
| Net interest income | $2,322,000 | 6,525 |
| Provision for loan and lease losses | $99,000 | 5,170 |
| Total noninterest income | $370,000 | 6,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $277,000 | 4,473 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 7,355 |
| Total noninterest expense | $1,602,000 | 6,836 |
| Salaries and employee benefits | $725,000 | 7,373 |
| Premises and equipment expense | $275,000 | 5,903 |
| Additional noninterest expense | $602,000 | 6,340 |
| Pre-tax net operating income | $991,000 | 5,764 |
| Securities gains (losses) | $61,000 | 1,215 |
| Applicable income taxes | $374,000 | 5,106 |
| Income before extraordinary items | $678,000 | 5,854 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $678,000 | 5,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,972 |
| Cash dividends | $117,000 | 6,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $638,960 | 5,984 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,738,000 | 7,268 |
| Total interest expense | $1,685,000 | 7,175 |
| Net interest income | $2,053,000 | 7,190 |
| Provision for loan and lease losses | $72,000 | 5,348 |
| Total noninterest income | $320,000 | 6,854 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $257,000 | 4,838 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 8,620 |
| Total noninterest expense | $1,345,000 | 7,754 |
| Salaries and employee benefits | $691,000 | 7,770 |
| Premises and equipment expense | $231,000 | 6,647 |
| Additional noninterest expense | $423,000 | 7,979 |
| Pre-tax net operating income | $956,000 | 6,173 |
| Securities gains (losses) | $6,000 | 2,714 |
| Applicable income taxes | $333,000 | 5,623 |
| Income before extraordinary items | $629,000 | 6,435 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $629,000 | 6,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,109 |
| Cash dividends | $398,000 | 3,938 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $625,100 | 6,446 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,881,000 | 8,267 |
| Total interest expense | $1,040,000 | 8,518 |
| Net interest income | $1,841,000 | 7,936 |
| Provision for loan and lease losses | $140,000 | 3,750 |
| Total noninterest income | $377,000 | 6,369 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $238,000 | 5,221 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $139,000 | 6,445 |
| Total noninterest expense | $1,285,000 | 8,301 |
| Salaries and employee benefits | $614,000 | 8,522 |
| Premises and equipment expense | $230,000 | 6,858 |
| Additional noninterest expense | $441,000 | 8,408 |
| Pre-tax net operating income | $793,000 | 6,904 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $273,000 | 6,220 |
| Income before extraordinary items | $520,000 | 7,154 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $520,000 | 7,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,759 |
| Cash dividends | $240,000 | 5,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $520,000 | 7,194 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,600,000 | 9,005 |
| Total interest expense | $978,000 | 9,216 |
| Net interest income | $1,622,000 | 8,736 |
| Provision for loan and lease losses | $2,000 | 10,273 |
| Total noninterest income | $361,000 | 6,893 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $239,000 | 5,270 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 7,244 |
| Total noninterest expense | $1,400,000 | 8,190 |
| Salaries and employee benefits | $594,000 | 8,852 |
| Premises and equipment expense | $223,000 | 7,222 |
| Additional noninterest expense | $583,000 | 7,491 |
| Pre-tax net operating income | $581,000 | 8,078 |
| Securities gains (losses) | $31,000 | 4,064 |
| Applicable income taxes | $209,000 | 7,456 |
| Income before extraordinary items | $403,000 | 8,405 |
| Extraordinary gains, net | $34,000 | 2,416 |
| Net income | $437,000 | 8,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 5,115 |
| Cash dividends | $179,000 | 5,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $382,540 | 8,353 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,030,000 | 8,919 |
| Total interest expense | $1,487,000 | 8,550 |
| Net interest income | $1,543,000 | 9,140 |
| Provision for loan and lease losses | $217,000 | 5,017 |
| Total noninterest income | $380,000 | 6,733 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $250,000 | 5,136 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 7,163 |
| Total noninterest expense | $1,266,000 | 8,784 |
| Salaries and employee benefits | $541,000 | 9,359 |
| Premises and equipment expense | $238,000 | 7,007 |
| Additional noninterest expense | $487,000 | 8,581 |
| Pre-tax net operating income | $440,000 | 8,893 |
| Securities gains (losses) | $103,000 | 2,957 |
| Applicable income taxes | $186,000 | 7,837 |
| Income before extraordinary items | $357,000 | 8,651 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $357,000 | 8,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 5,812 |
| Cash dividends | $150,000 | 5,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $289,020 | 9,068 |
* 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.