Home > Farmer City State Bank > Income and Expense
Farmer City State Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,256,000 | 5,946 |
| Total interest expense | $175,000 | 5,989 |
| Net interest income | $1,081,000 | 5,874 |
| Provision for loan and lease losses | $15,000 | 5,227 |
| Total noninterest income | $495,000 | 3,258 |
| Gross Fiduciary activities income | $199,000 | 659 |
| Service charges on deposit accounts | $90,000 | 4,517 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $206,000 | 3,630 |
| Total noninterest expense | $1,009,000 | 5,713 |
| Salaries and employee benefits | $674,000 | 5,171 |
| Premises and equipment expense | $98,000 | 5,839 |
| Additional noninterest expense | $237,000 | 6,236 |
| Pre-tax net operating income | $552,000 | 3,957 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $552,000 | 3,800 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $552,000 | 3,802 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $552,000 | 3,803 |
| Net charge-offs | $77,000 | 3,658 |
| Cash dividends | $238,000 | 2,380 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $552,000 | 3,616 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $641,000 | 5,959 |
| Total interest expense | $92,000 | 6,011 |
| Net interest income | $549,000 | 5,869 |
| Provision for loan and lease losses | $15,000 | 4,598 |
| Total noninterest income | $261,000 | 3,171 |
| Gross Fiduciary activities income | $83,000 | 697 |
| Service charges on deposit accounts | $41,000 | 4,661 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $137,000 | 3,207 |
| Total noninterest expense | $519,000 | 5,693 |
| Salaries and employee benefits | $328,000 | 5,292 |
| Premises and equipment expense | $52,000 | 5,787 |
| Additional noninterest expense | $139,000 | 6,051 |
| Pre-tax net operating income | $276,000 | 3,980 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $276,000 | 3,789 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $276,000 | 3,792 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $276,000 | 3,792 |
| Net charge-offs | $72,000 | 2,737 |
| Cash dividends | $122,000 | 1,934 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $276,000 | 3,624 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $2,626,000 | 6,004 |
| Total interest expense | $431,000 | 6,099 |
| Net interest income | $2,195,000 | 5,911 |
| Provision for loan and lease losses | $286,000 | 4,195 |
| Total noninterest income | $869,000 | 3,367 |
| Gross Fiduciary activities income | $427,000 | 588 |
| Service charges on deposit accounts | $236,000 | 4,078 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $206,000 | 4,431 |
| Total noninterest expense | $2,084,000 | 5,736 |
| Salaries and employee benefits | $1,288,000 | 5,357 |
| Premises and equipment expense | $201,000 | 6,005 |
| Additional noninterest expense | $595,000 | 6,007 |
| Pre-tax net operating income | $694,000 | 4,299 |
| Securities gains (losses) | $136,000 | 1,790 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $830,000 | 3,883 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $830,000 | 3,888 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $830,000 | 3,887 |
| Net charge-offs | $419,000 | 3,385 |
| Cash dividends | $313,000 | 2,960 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $694,000 | 4,045 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,969,000 | 6,066 |
| Total interest expense | $332,000 | 6,163 |
| Net interest income | $1,637,000 | 5,965 |
| Provision for loan and lease losses | $271,000 | 3,748 |
| Total noninterest income | $568,000 | 3,641 |
| Gross Fiduciary activities income | $212,000 | 665 |
| Service charges on deposit accounts | $184,000 | 4,015 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $172,000 | 4,316 |
| Total noninterest expense | $1,553,000 | 5,775 |
| Salaries and employee benefits | $955,000 | 5,391 |
| Premises and equipment expense | $153,000 | 6,014 |
| Additional noninterest expense | $445,000 | 6,045 |
| Pre-tax net operating income | $381,000 | 4,829 |
| Securities gains (losses) | $65,000 | 2,127 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $446,000 | 4,507 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $446,000 | 4,508 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $446,000 | 4,508 |
| Net charge-offs | $417,000 | 2,862 |
| Cash dividends | $164,000 | 2,842 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $381,000 | 4,602 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,323,000 | 6,104 |
| Total interest expense | $227,000 | 6,229 |
| Net interest income | $1,096,000 | 5,994 |
| Provision for loan and lease losses | $156,000 | 3,840 |
| Total noninterest income | $367,000 | 3,730 |
| Gross Fiduciary activities income | $141,000 | 675 |
| Service charges on deposit accounts | $120,000 | 4,037 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $106,000 | 4,466 |
| Total noninterest expense | $1,028,000 | 5,857 |
| Salaries and employee benefits | $628,000 | 5,471 |
| Premises and equipment expense | $99,000 | 6,106 |
| Additional noninterest expense | $301,000 | 6,094 |
| Pre-tax net operating income | $279,000 | 4,713 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $279,000 | 4,552 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $279,000 | 4,549 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $279,000 | 4,552 |
| Net charge-offs | $347,000 | 2,521 |
| Cash dividends | $132,000 | 2,613 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $279,000 | 4,472 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $657,000 | 6,149 |
| Total interest expense | $116,000 | 6,290 |
| Net interest income | $541,000 | 6,038 |
| Provision for loan and lease losses | $60,000 | 3,936 |
| Total noninterest income | $185,000 | 3,749 |
| Gross Fiduciary activities income | $71,000 | 676 |
| Service charges on deposit accounts | $55,000 | 4,170 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $59,000 | 4,407 |
| Total noninterest expense | $519,000 | 5,869 |
| Salaries and employee benefits | $317,000 | 5,491 |
| Premises and equipment expense | $53,000 | 6,034 |
| Additional noninterest expense | $149,000 | 6,144 |
| Pre-tax net operating income | $147,000 | 4,670 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $147,000 | 4,490 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $147,000 | 4,489 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $147,000 | 4,490 |
| Net charge-offs | $215,000 | 2,060 |
| Cash dividends | $70,000 | 2,110 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $147,000 | 4,427 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,815,000 | 6,157 |
| Total interest expense | $636,000 | 6,151 |
| Net interest income | $2,179,000 | 6,070 |
| Provision for loan and lease losses | $170,000 | 5,521 |
| Total noninterest income | $809,000 | 3,630 |
| Gross Fiduciary activities income | $333,000 | 648 |
| Service charges on deposit accounts | $230,000 | 4,167 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $246,000 | 4,273 |
| Total noninterest expense | $2,189,000 | 5,816 |
| Salaries and employee benefits | $1,266,000 | 5,521 |
| Premises and equipment expense | $236,000 | 5,899 |
| Additional noninterest expense | $687,000 | 5,935 |
| Pre-tax net operating income | $629,000 | 4,082 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $629,000 | 4,005 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $629,000 | 4,004 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $629,000 | 4,005 |
| Net charge-offs | $138,000 | 5,135 |
| Cash dividends | $266,000 | 3,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $629,000 | 3,866 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,133,000 | 6,251 |
| Total interest expense | $515,000 | 6,155 |
| Net interest income | $1,618,000 | 6,179 |
| Provision for loan and lease losses | $58,000 | 6,150 |
| Total noninterest income | $532,000 | 3,945 |
| Gross Fiduciary activities income | $180,000 | 709 |
| Service charges on deposit accounts | $174,000 | 4,218 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $178,000 | 4,370 |
| Total noninterest expense | $1,632,000 | 5,863 |
| Salaries and employee benefits | $983,000 | 5,467 |
| Premises and equipment expense | $189,000 | 5,848 |
| Additional noninterest expense | $460,000 | 6,219 |
| Pre-tax net operating income | $460,000 | 4,326 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $460,000 | 4,271 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $460,000 | 4,272 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $460,000 | 4,272 |
| Net charge-offs | $88,000 | 5,037 |
| Cash dividends | $228,000 | 2,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $460,000 | 4,109 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,446,000 | 6,269 |
| Total interest expense | $371,000 | 6,099 |
| Net interest income | $1,075,000 | 6,223 |
| Provision for loan and lease losses | $52,000 | 5,816 |
| Total noninterest income | $343,000 | 3,967 |
| Gross Fiduciary activities income | $120,000 | 710 |
| Service charges on deposit accounts | $114,000 | 4,243 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $109,000 | 4,502 |
| Total noninterest expense | $1,047,000 | 5,983 |
| Salaries and employee benefits | $657,000 | 5,505 |
| Premises and equipment expense | $126,000 | 5,870 |
| Additional noninterest expense | $264,000 | 6,497 |
| Pre-tax net operating income | $319,000 | 4,320 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $319,000 | 4,192 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $319,000 | 4,191 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $319,000 | 4,191 |
| Net charge-offs | $14,000 | 5,661 |
| Cash dividends | $157,000 | 2,511 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $319,000 | 4,058 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $748,000 | 6,271 |
| Total interest expense | $189,000 | 6,177 |
| Net interest income | $559,000 | 6,174 |
| Provision for loan and lease losses | $36,000 | 5,192 |
| Total noninterest income | $176,000 | 3,942 |
| Gross Fiduciary activities income | $60,000 | 723 |
| Service charges on deposit accounts | $53,000 | 4,364 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $63,000 | 4,306 |
| Total noninterest expense | $555,000 | 5,921 |
| Salaries and employee benefits | $330,000 | 5,536 |
| Premises and equipment expense | $65,000 | 5,884 |
| Additional noninterest expense | $160,000 | 6,214 |
| Pre-tax net operating income | $144,000 | 4,610 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $144,000 | 4,446 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $144,000 | 4,447 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $144,000 | 4,445 |
| Net charge-offs | $2,000 | 5,375 |
| Cash dividends | $64,000 | 2,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $144,000 | 4,332 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,195,000 | 6,224 |
| Total interest expense | $946,000 | 6,133 |
| Net interest income | $2,249,000 | 6,103 |
| Provision for loan and lease losses | $254,000 | 5,499 |
| Total noninterest income | $727,000 | 3,982 |
| Gross Fiduciary activities income | $242,000 | 712 |
| Service charges on deposit accounts | $237,000 | 4,324 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $248,000 | 4,285 |
| Total noninterest expense | $2,314,000 | 5,880 |
| Salaries and employee benefits | $1,346,000 | 5,512 |
| Premises and equipment expense | $318,000 | 5,516 |
| Additional noninterest expense | $650,000 | 6,294 |
| Pre-tax net operating income | $408,000 | 4,216 |
| Securities gains (losses) | $10,000 | 3,254 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $418,000 | 4,114 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $418,000 | 4,112 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $418,000 | 4,112 |
| Net charge-offs | $184,000 | 5,108 |
| Cash dividends | $329,000 | 3,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $408,000 | 4,079 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,407,000 | 6,276 |
| Total interest expense | $747,000 | 6,171 |
| Net interest income | $1,660,000 | 6,151 |
| Provision for loan and lease losses | $129,000 | 5,697 |
| Total noninterest income | $564,000 | 3,955 |
| Gross Fiduciary activities income | $189,000 | 699 |
| Service charges on deposit accounts | $181,000 | 4,307 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $194,000 | 4,331 |
| Total noninterest expense | $1,755,000 | 5,875 |
| Salaries and employee benefits | $1,046,000 | 5,438 |
| Premises and equipment expense | $215,000 | 5,801 |
| Additional noninterest expense | $494,000 | 6,272 |
| Pre-tax net operating income | $340,000 | 4,393 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $340,000 | 4,262 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $340,000 | 4,257 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $340,000 | 4,260 |
| Net charge-offs | $136,000 | 4,737 |
| Cash dividends | $271,000 | 2,745 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $340,000 | 4,191 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,632,000 | 6,301 |
| Total interest expense | $528,000 | 6,167 |
| Net interest income | $1,104,000 | 6,159 |
| Provision for loan and lease losses | $34,000 | 6,377 |
| Total noninterest income | $389,000 | 3,903 |
| Gross Fiduciary activities income | $126,000 | 710 |
| Service charges on deposit accounts | $117,000 | 4,337 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $146,000 | 4,171 |
| Total noninterest expense | $1,175,000 | 5,912 |
| Salaries and employee benefits | $699,000 | 5,496 |
| Premises and equipment expense | $148,000 | 5,782 |
| Additional noninterest expense | $328,000 | 6,300 |
| Pre-tax net operating income | $284,000 | 4,212 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $284,000 | 4,045 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $284,000 | 4,045 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $284,000 | 4,045 |
| Net charge-offs | $37,000 | 5,172 |
| Cash dividends | $144,000 | 3,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $284,000 | 3,936 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $830,000 | 6,315 |
| Total interest expense | $281,000 | 6,150 |
| Net interest income | $549,000 | 6,190 |
| Provision for loan and lease losses | $11,000 | 6,270 |
| Total noninterest income | $190,000 | 3,918 |
| Gross Fiduciary activities income | $63,000 | 722 |
| Service charges on deposit accounts | $55,000 | 4,417 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $72,000 | 4,184 |
| Total noninterest expense | $623,000 | 5,699 |
| Salaries and employee benefits | $352,000 | 5,518 |
| Premises and equipment expense | $80,000 | 5,652 |
| Additional noninterest expense | $191,000 | 5,708 |
| Pre-tax net operating income | $105,000 | 4,976 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $105,000 | 4,880 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $105,000 | 4,884 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $105,000 | 4,883 |
| Net charge-offs | $31,000 | 3,989 |
| Cash dividends | $40,000 | 2,749 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $105,000 | 4,712 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,453,000 | 6,344 |
| Total interest expense | $1,417,000 | 6,090 |
| Net interest income | $2,036,000 | 6,379 |
| Provision for loan and lease losses | $110,000 | 5,937 |
| Total noninterest income | $796,000 | 3,888 |
| Gross Fiduciary activities income | $296,000 | 689 |
| Service charges on deposit accounts | $240,000 | 4,440 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $260,000 | 4,356 |
| Total noninterest expense | $2,155,000 | 6,044 |
| Salaries and employee benefits | $1,369,000 | 5,598 |
| Premises and equipment expense | $266,000 | 6,106 |
| Additional noninterest expense | $520,000 | 6,545 |
| Pre-tax net operating income | $567,000 | 4,689 |
| Securities gains (losses) | $82,000 | 1,277 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $649,000 | 4,050 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $649,000 | 4,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,700 |
| Cash dividends | $359,000 | 3,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $567,000 | 4,408 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,619,000 | 6,386 |
| Total interest expense | $1,120,000 | 6,103 |
| Net interest income | $1,499,000 | 6,465 |
| Provision for loan and lease losses | $60,000 | 5,691 |
| Total noninterest income | $548,000 | 4,137 |
| Gross Fiduciary activities income | $168,000 | 760 |
| Service charges on deposit accounts | $181,000 | 4,464 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $199,000 | 4,427 |
| Total noninterest expense | $1,667,000 | 5,944 |
| Salaries and employee benefits | $1,071,000 | 5,495 |
| Premises and equipment expense | $201,000 | 6,091 |
| Additional noninterest expense | $395,000 | 6,495 |
| Pre-tax net operating income | $320,000 | 5,573 |
| Securities gains (losses) | $39,000 | 1,595 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $359,000 | 4,950 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $359,000 | 4,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,748 |
| Cash dividends | $231,000 | 3,709 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $320,000 | 5,303 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,770,000 | 6,426 |
| Total interest expense | $784,000 | 6,151 |
| Net interest income | $986,000 | 6,510 |
| Provision for loan and lease losses | $30,000 | 5,577 |
| Total noninterest income | $362,000 | 4,214 |
| Gross Fiduciary activities income | $112,000 | 778 |
| Service charges on deposit accounts | $115,000 | 4,568 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $135,000 | 4,487 |
| Total noninterest expense | $1,122,000 | 5,961 |
| Salaries and employee benefits | $731,000 | 5,475 |
| Premises and equipment expense | $135,000 | 6,111 |
| Additional noninterest expense | $256,000 | 6,592 |
| Pre-tax net operating income | $196,000 | 5,846 |
| Securities gains (losses) | $24,000 | 1,934 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $220,000 | 5,467 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $220,000 | 5,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,471 |
| Cash dividends | $136,000 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $196,000 | 5,576 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $913,000 | 6,428 |
| Total interest expense | $407,000 | 6,216 |
| Net interest income | $506,000 | 6,480 |
| Provision for loan and lease losses | $12,000 | 5,324 |
| Total noninterest income | $189,000 | 4,115 |
| Gross Fiduciary activities income | $56,000 | 785 |
| Service charges on deposit accounts | $54,000 | 4,649 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $79,000 | 4,225 |
| Total noninterest expense | $561,000 | 5,995 |
| Salaries and employee benefits | $369,000 | 5,481 |
| Premises and equipment expense | $67,000 | 6,170 |
| Additional noninterest expense | $125,000 | 6,632 |
| Pre-tax net operating income | $122,000 | 5,747 |
| Securities gains (losses) | $21,000 | 1,562 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $143,000 | 5,288 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $143,000 | 5,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,284 |
| Cash dividends | $65,000 | 3,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $122,000 | 5,452 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,743,000 | 6,368 |
| Total interest expense | $1,748,000 | 6,116 |
| Net interest income | $1,995,000 | 6,507 |
| Provision for loan and lease losses | $12,000 | 6,512 |
| Total noninterest income | $712,000 | 4,252 |
| Gross Fiduciary activities income | $246,000 | 753 |
| Service charges on deposit accounts | $218,000 | 4,728 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $248,000 | 4,610 |
| Total noninterest expense | $2,212,000 | 5,942 |
| Salaries and employee benefits | $1,364,000 | 5,598 |
| Premises and equipment expense | $270,000 | 6,036 |
| Additional noninterest expense | $578,000 | 6,231 |
| Pre-tax net operating income | $483,000 | 6,047 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $483,000 | 5,738 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $483,000 | 5,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,400 |
| Cash dividends | $321,000 | 4,329 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $483,000 | 5,723 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,781,000 | 6,428 |
| Total interest expense | $1,281,000 | 6,202 |
| Net interest income | $1,500,000 | 6,530 |
| Provision for loan and lease losses | $9,000 | 6,211 |
| Total noninterest income | $520,000 | 4,323 |
| Gross Fiduciary activities income | $168,000 | 774 |
| Service charges on deposit accounts | $162,000 | 4,763 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $190,000 | 4,582 |
| Total noninterest expense | $1,684,000 | 5,880 |
| Salaries and employee benefits | $1,061,000 | 5,461 |
| Premises and equipment expense | $203,000 | 6,034 |
| Additional noninterest expense | $420,000 | 6,271 |
| Pre-tax net operating income | $327,000 | 6,462 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $327,000 | 6,179 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $327,000 | 6,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,005 |
| Cash dividends | $220,000 | 4,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $327,000 | 6,169 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,808,000 | 6,526 |
| Total interest expense | $803,000 | 6,353 |
| Net interest income | $1,005,000 | 6,572 |
| Provision for loan and lease losses | $6,000 | 5,907 |
| Total noninterest income | $347,000 | 4,340 |
| Gross Fiduciary activities income | $112,000 | 782 |
| Service charges on deposit accounts | $113,000 | 4,690 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $122,000 | 4,722 |
| Total noninterest expense | $1,122,000 | 5,922 |
| Salaries and employee benefits | $712,000 | 5,493 |
| Premises and equipment expense | $136,000 | 6,064 |
| Additional noninterest expense | $274,000 | 6,358 |
| Pre-tax net operating income | $224,000 | 6,496 |
| Securities gains (losses) | $-1,000 | 7,616 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $223,000 | 6,203 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $223,000 | 6,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,723 |
| Cash dividends | $139,000 | 4,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $224,000 | 6,185 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $889,000 | 6,590 |
| Total interest expense | $388,000 | 6,434 |
| Net interest income | $501,000 | 6,601 |
| Provision for loan and lease losses | $3,000 | 5,535 |
| Total noninterest income | $171,000 | 4,339 |
| Gross Fiduciary activities income | $56,000 | 789 |
| Service charges on deposit accounts | $50,000 | 4,884 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $65,000 | 4,594 |
| Total noninterest expense | $585,000 | 5,828 |
| Salaries and employee benefits | $376,000 | 5,359 |
| Premises and equipment expense | $70,000 | 6,029 |
| Additional noninterest expense | $139,000 | 6,329 |
| Pre-tax net operating income | $84,000 | 6,872 |
| Securities gains (losses) | $-1,000 | 7,986 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $83,000 | 6,659 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $83,000 | 6,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,735 |
| Cash dividends | $44,000 | 3,652 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $84,000 | 6,629 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,309,000 | 6,560 |
| Total interest expense | $1,338,000 | 6,354 |
| Net interest income | $1,971,000 | 6,586 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $555,000 | 4,905 |
| Gross Fiduciary activities income | $235,000 | 762 |
| Service charges on deposit accounts | $95,000 | 6,218 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $225,000 | 4,892 |
| Total noninterest expense | $2,133,000 | 5,976 |
| Salaries and employee benefits | $1,309,000 | 5,638 |
| Premises and equipment expense | $331,000 | 5,489 |
| Additional noninterest expense | $493,000 | 6,569 |
| Pre-tax net operating income | $393,000 | 6,805 |
| Securities gains (losses) | $-7,000 | 7,181 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $386,000 | 6,565 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $386,000 | 6,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,181 |
| Cash dividends | $235,000 | 4,777 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $393,000 | 6,548 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,463,000 | 6,601 |
| Total interest expense | $971,000 | 6,378 |
| Net interest income | $1,492,000 | 6,637 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $406,000 | 4,976 |
| Gross Fiduciary activities income | $169,000 | 766 |
| Service charges on deposit accounts | $66,000 | 6,390 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $171,000 | 4,871 |
| Total noninterest expense | $1,593,000 | 5,973 |
| Salaries and employee benefits | $1,017,000 | 5,503 |
| Premises and equipment expense | $205,000 | 6,000 |
| Additional noninterest expense | $371,000 | 6,563 |
| Pre-tax net operating income | $305,000 | 6,980 |
| Securities gains (losses) | $-4,000 | 7,334 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $301,000 | 6,722 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $301,000 | 6,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 2,535 |
| Cash dividends | $235,000 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $305,000 | 6,704 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,623,000 | 6,619 |
| Total interest expense | $584,000 | 6,542 |
| Net interest income | $1,039,000 | 6,569 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $272,000 | 4,966 |
| Gross Fiduciary activities income | $112,000 | 778 |
| Service charges on deposit accounts | $44,000 | 6,413 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $116,000 | 4,813 |
| Total noninterest expense | $1,051,000 | 6,019 |
| Salaries and employee benefits | $671,000 | 5,559 |
| Premises and equipment expense | $130,000 | 6,144 |
| Additional noninterest expense | $250,000 | 6,575 |
| Pre-tax net operating income | $260,000 | 6,712 |
| Securities gains (losses) | $-4,000 | 7,633 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $256,000 | 6,334 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $256,000 | 6,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,137 |
| Cash dividends | $185,000 | 3,796 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $260,000 | 6,307 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $795,000 | 6,658 |
| Total interest expense | $275,000 | 6,589 |
| Net interest income | $520,000 | 6,580 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $144,000 | 4,778 |
| Gross Fiduciary activities income | $56,000 | 785 |
| Service charges on deposit accounts | $20,000 | 6,506 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $68,000 | 4,477 |
| Total noninterest expense | $540,000 | 5,949 |
| Salaries and employee benefits | $351,000 | 5,431 |
| Premises and equipment expense | $63,000 | 6,234 |
| Additional noninterest expense | $126,000 | 6,517 |
| Pre-tax net operating income | $124,000 | 6,757 |
| Securities gains (losses) | $-4,000 | 8,056 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $120,000 | 6,404 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $120,000 | 6,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $124,000 | 6,351 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,037,000 | 6,559 |
| Total interest expense | $969,000 | 6,355 |
| Net interest income | $2,068,000 | 6,569 |
| Provision for loan and lease losses | $15,000 | 6,626 |
| Total noninterest income | $583,000 | 4,860 |
| Gross Fiduciary activities income | $250,000 | 758 |
| Service charges on deposit accounts | $110,000 | 6,154 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $223,000 | 4,959 |
| Total noninterest expense | $2,084,000 | 5,974 |
| Salaries and employee benefits | $1,345,000 | 5,421 |
| Premises and equipment expense | $263,000 | 6,074 |
| Additional noninterest expense | $476,000 | 6,713 |
| Pre-tax net operating income | $552,000 | 6,576 |
| Securities gains (losses) | $5,000 | 1,712 |
| Applicable income taxes | $-6,000 | 8,437 |
| Income before extraordinary items | $563,000 | 6,131 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $563,000 | 6,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 3,872 |
| Cash dividends | $670,000 | 3,150 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $558,000 | 6,116 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,267,000 | 6,577 |
| Total interest expense | $716,000 | 6,300 |
| Net interest income | $1,551,000 | 6,591 |
| Provision for loan and lease losses | $15,000 | 6,317 |
| Total noninterest income | $372,000 | 5,271 |
| Gross Fiduciary activities income | $113,000 | 857 |
| Service charges on deposit accounts | $82,000 | 6,199 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $177,000 | 4,870 |
| Total noninterest expense | $1,607,000 | 5,837 |
| Salaries and employee benefits | $1,026,000 | 5,337 |
| Premises and equipment expense | $235,000 | 5,609 |
| Additional noninterest expense | $346,000 | 6,760 |
| Pre-tax net operating income | $301,000 | 7,197 |
| Securities gains (losses) | $5,000 | 1,712 |
| Applicable income taxes | $-6,000 | 8,582 |
| Income before extraordinary items | $312,000 | 6,854 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $312,000 | 6,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 3,028 |
| Cash dividends | $317,000 | 3,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $307,000 | 6,834 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,493,000 | 6,578 |
| Total interest expense | $463,000 | 6,236 |
| Net interest income | $1,030,000 | 6,591 |
| Provision for loan and lease losses | $15,000 | 5,851 |
| Total noninterest income | $225,000 | 5,478 |
| Gross Fiduciary activities income | $65,000 | 894 |
| Service charges on deposit accounts | $53,000 | 6,222 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $107,000 | 5,049 |
| Total noninterest expense | $1,074,000 | 5,826 |
| Salaries and employee benefits | $692,000 | 5,278 |
| Premises and equipment expense | $149,000 | 5,729 |
| Additional noninterest expense | $233,000 | 6,740 |
| Pre-tax net operating income | $166,000 | 7,434 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $166,000 | 7,205 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $166,000 | 7,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,599 |
| Cash dividends | $300,000 | 2,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $166,000 | 7,169 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $742,000 | 6,600 |
| Total interest expense | $226,000 | 6,222 |
| Net interest income | $516,000 | 6,640 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $119,000 | 5,277 |
| Gross Fiduciary activities income | $32,000 | 906 |
| Service charges on deposit accounts | $27,000 | 6,147 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $60,000 | 4,776 |
| Total noninterest expense | $560,000 | 5,726 |
| Salaries and employee benefits | $368,000 | 5,115 |
| Premises and equipment expense | $76,000 | 5,710 |
| Additional noninterest expense | $116,000 | 6,761 |
| Pre-tax net operating income | $60,000 | 7,770 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $60,000 | 7,587 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $60,000 | 7,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $200,000 | 2,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $60,000 | 7,562 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,142,000 | 6,297 |
| Total interest expense | $936,000 | 5,851 |
| Net interest income | $2,206,000 | 6,367 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $482,000 | 5,361 |
| Gross Fiduciary activities income | $155,000 | 849 |
| Service charges on deposit accounts | $124,000 | 6,118 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $203,000 | 5,085 |
| Total noninterest expense | $2,134,000 | 5,799 |
| Salaries and employee benefits | $1,393,000 | 5,192 |
| Premises and equipment expense | $334,000 | 5,375 |
| Additional noninterest expense | $407,000 | 7,081 |
| Pre-tax net operating income | $554,000 | 6,532 |
| Securities gains (losses) | $27,000 | 2,202 |
| Applicable income taxes | $6,000 | 6,889 |
| Income before extraordinary items | $575,000 | 6,050 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $575,000 | 6,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,591 |
| Cash dividends | $352,000 | 4,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $548,270 | 6,090 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,312,000 | 6,349 |
| Total interest expense | $704,000 | 5,804 |
| Net interest income | $1,608,000 | 6,454 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $359,000 | 5,405 |
| Gross Fiduciary activities income | $95,000 | 889 |
| Service charges on deposit accounts | $95,000 | 6,138 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $169,000 | 4,855 |
| Total noninterest expense | $1,517,000 | 5,921 |
| Salaries and employee benefits | $996,000 | 5,341 |
| Premises and equipment expense | $210,000 | 5,843 |
| Additional noninterest expense | $311,000 | 7,004 |
| Pre-tax net operating income | $450,000 | 6,544 |
| Securities gains (losses) | $26,000 | 2,136 |
| Applicable income taxes | $6,000 | 6,914 |
| Income before extraordinary items | $470,000 | 5,965 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $470,000 | 5,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,418 |
| Cash dividends | $351,000 | 3,219 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $444,260 | 6,013 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,529,000 | 6,400 |
| Total interest expense | $467,000 | 5,850 |
| Net interest income | $1,062,000 | 6,500 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $245,000 | 5,343 |
| Gross Fiduciary activities income | $63,000 | 897 |
| Service charges on deposit accounts | $61,000 | 6,212 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $121,000 | 4,767 |
| Total noninterest expense | $1,010,000 | 5,966 |
| Salaries and employee benefits | $654,000 | 5,424 |
| Premises and equipment expense | $138,000 | 5,916 |
| Additional noninterest expense | $218,000 | 6,931 |
| Pre-tax net operating income | $297,000 | 6,529 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $6,000 | 6,827 |
| Income before extraordinary items | $291,000 | 6,102 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $291,000 | 6,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,897 |
| Cash dividends | $105,000 | 4,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $291,000 | 6,027 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $754,000 | 6,466 |
| Total interest expense | $237,000 | 5,848 |
| Net interest income | $517,000 | 6,599 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $108,000 | 5,602 |
| Gross Fiduciary activities income | $32,000 | 909 |
| Service charges on deposit accounts | $31,000 | 6,143 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $45,000 | 5,324 |
| Total noninterest expense | $514,000 | 5,953 |
| Salaries and employee benefits | $325,000 | 5,473 |
| Premises and equipment expense | $69,000 | 5,921 |
| Additional noninterest expense | $120,000 | 6,670 |
| Pre-tax net operating income | $111,000 | 6,981 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $6,000 | 6,520 |
| Income before extraordinary items | $105,000 | 6,792 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $105,000 | 6,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,591 |
| Cash dividends | $17,000 | 3,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $105,000 | 6,684 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,234,000 | 6,279 |
| Total interest expense | $1,077,000 | 5,905 |
| Net interest income | $2,157,000 | 6,358 |
| Provision for loan and lease losses | $55,000 | 6,156 |
| Total noninterest income | $541,000 | 5,213 |
| Gross Fiduciary activities income | $125,000 | 912 |
| Service charges on deposit accounts | $133,000 | 6,105 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $283,000 | 4,625 |
| Total noninterest expense | $2,048,000 | 5,919 |
| Salaries and employee benefits | $1,380,000 | 5,137 |
| Premises and equipment expense | $269,000 | 5,977 |
| Additional noninterest expense | $399,000 | 7,165 |
| Pre-tax net operating income | $595,000 | 6,360 |
| Securities gains (losses) | $40,000 | 2,704 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $635,000 | 5,823 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $635,000 | 5,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,046 |
| Cash dividends | $810,000 | 2,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $595,000 | 5,795 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,442,000 | 6,325 |
| Total interest expense | $824,000 | 5,983 |
| Net interest income | $1,618,000 | 6,406 |
| Provision for loan and lease losses | $45,000 | 5,860 |
| Total noninterest income | $414,000 | 5,218 |
| Gross Fiduciary activities income | $90,000 | 925 |
| Service charges on deposit accounts | $103,000 | 6,070 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $221,000 | 4,597 |
| Total noninterest expense | $1,508,000 | 5,962 |
| Salaries and employee benefits | $1,011,000 | 5,209 |
| Premises and equipment expense | $193,000 | 6,092 |
| Additional noninterest expense | $304,000 | 7,104 |
| Pre-tax net operating income | $479,000 | 6,377 |
| Securities gains (losses) | $40,000 | 2,501 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $519,000 | 5,758 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $519,000 | 5,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,281 |
| Cash dividends | $610,000 | 2,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $479,000 | 5,789 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,690,000 | 6,259 |
| Total interest expense | $566,000 | 6,009 |
| Net interest income | $1,124,000 | 6,295 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $294,000 | 5,041 |
| Gross Fiduciary activities income | $60,000 | 937 |
| Service charges on deposit accounts | $69,000 | 6,045 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $165,000 | 4,388 |
| Total noninterest expense | $1,009,000 | 5,958 |
| Salaries and employee benefits | $665,000 | 5,273 |
| Premises and equipment expense | $123,000 | 6,193 |
| Additional noninterest expense | $221,000 | 6,882 |
| Pre-tax net operating income | $379,000 | 5,995 |
| Securities gains (losses) | $40,000 | 2,170 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $419,000 | 5,281 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $419,000 | 5,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,638 |
| Cash dividends | $595,000 | 1,928 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $379,000 | 5,335 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $864,000 | 6,225 |
| Total interest expense | $290,000 | 6,044 |
| Net interest income | $574,000 | 6,199 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $164,000 | 4,662 |
| Gross Fiduciary activities income | $30,000 | 949 |
| Service charges on deposit accounts | $31,000 | 6,193 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $103,000 | 3,872 |
| Total noninterest expense | $501,000 | 5,992 |
| Salaries and employee benefits | $331,000 | 5,286 |
| Premises and equipment expense | $61,000 | 6,231 |
| Additional noninterest expense | $109,000 | 6,915 |
| Pre-tax net operating income | $222,000 | 5,581 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $222,000 | 5,037 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $222,000 | 5,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,155 |
| Cash dividends | $265,000 | 1,900 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $222,000 | 4,838 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,663,000 | 6,188 |
| Total interest expense | $1,349,000 | 6,062 |
| Net interest income | $2,314,000 | 6,155 |
| Provision for loan and lease losses | $40,000 | 6,915 |
| Total noninterest income | $400,000 | 5,783 |
| Gross Fiduciary activities income | $116,000 | 964 |
| Service charges on deposit accounts | $103,000 | 6,527 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $181,000 | 5,225 |
| Total noninterest expense | $1,913,000 | 6,029 |
| Salaries and employee benefits | $1,291,000 | 5,213 |
| Premises and equipment expense | $243,000 | 6,234 |
| Additional noninterest expense | $379,000 | 7,294 |
| Pre-tax net operating income | $761,000 | 5,888 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-24,000 | 8,927 |
| Income before extraordinary items | $785,000 | 5,259 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $785,000 | 5,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,649 |
| Cash dividends | $702,000 | 2,883 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $785,000 | 5,121 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,025,000 | 6,332 |
| Total interest expense | $1,962,000 | 6,157 |
| Net interest income | $2,063,000 | 6,347 |
| Provision for loan and lease losses | $29,000 | 7,298 |
| Total noninterest income | $393,000 | 5,726 |
| Gross Fiduciary activities income | $177,000 | 874 |
| Service charges on deposit accounts | $98,000 | 6,612 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $118,000 | 6,034 |
| Total noninterest expense | $1,690,000 | 6,360 |
| Salaries and employee benefits | $1,147,000 | 5,491 |
| Premises and equipment expense | $201,000 | 6,776 |
| Additional noninterest expense | $342,000 | 7,566 |
| Pre-tax net operating income | $737,000 | 5,698 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-38,000 | 9,129 |
| Income before extraordinary items | $775,000 | 4,951 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $775,000 | 4,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,166 |
| Cash dividends | $922,000 | 2,391 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $775,000 | 4,828 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,267,000 | 6,277 |
| Total interest expense | $2,238,000 | 5,922 |
| Net interest income | $2,029,000 | 6,522 |
| Provision for loan and lease losses | $-31,000 | 9,741 |
| Total noninterest income | $257,000 | 6,699 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $97,000 | 6,628 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $160,000 | 5,316 |
| Total noninterest expense | $1,543,000 | 6,627 |
| Salaries and employee benefits | $1,012,000 | 5,865 |
| Premises and equipment expense | $203,000 | 6,721 |
| Additional noninterest expense | $328,000 | 7,729 |
| Pre-tax net operating income | $774,000 | 5,958 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $774,000 | 5,136 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $774,000 | 5,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-96,000 | 9,738 |
| Cash dividends | $392,000 | 4,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $774,000 | 5,134 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,909,000 | 6,443 |
| Total interest expense | $2,034,000 | 5,945 |
| Net interest income | $1,875,000 | 6,859 |
| Provision for loan and lease losses | $19,000 | 7,736 |
| Total noninterest income | $257,000 | 6,875 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $94,000 | 6,833 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 5,408 |
| Total noninterest expense | $1,539,000 | 6,674 |
| Salaries and employee benefits | $1,029,000 | 5,764 |
| Premises and equipment expense | $186,000 | 7,034 |
| Additional noninterest expense | $324,000 | 7,919 |
| Pre-tax net operating income | $574,000 | 6,813 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $574,000 | 6,024 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $574,000 | 6,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 9,703 |
| Cash dividends | $573,000 | 3,258 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $574,000 | 5,995 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,790,000 | 6,673 |
| Total interest expense | $1,944,000 | 6,286 |
| Net interest income | $1,846,000 | 6,953 |
| Provision for loan and lease losses | $21,000 | 7,700 |
| Total noninterest income | $229,000 | 7,223 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $87,000 | 7,121 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $142,000 | 5,826 |
| Total noninterest expense | $1,447,000 | 6,833 |
| Salaries and employee benefits | $943,000 | 6,016 |
| Premises and equipment expense | $166,000 | 7,324 |
| Additional noninterest expense | $338,000 | 7,759 |
| Pre-tax net operating income | $607,000 | 6,872 |
| Securities gains (losses) | $-19,000 | 10,284 |
| Applicable income taxes | $-11,000 | 10,026 |
| Income before extraordinary items | $599,000 | 6,060 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $599,000 | 6,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-46,000 | 10,088 |
| Cash dividends | $973,000 | 2,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $618,000 | 5,872 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,687,000 | 6,962 |
| Total interest expense | $1,869,000 | 6,528 |
| Net interest income | $1,818,000 | 7,278 |
| Provision for loan and lease losses | $35,000 | 7,233 |
| Total noninterest income | $286,000 | 6,806 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $104,000 | 7,108 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $182,000 | 5,189 |
| Total noninterest expense | $1,397,000 | 7,041 |
| Salaries and employee benefits | $912,000 | 6,225 |
| Premises and equipment expense | $157,000 | 7,652 |
| Additional noninterest expense | $328,000 | 8,042 |
| Pre-tax net operating income | $672,000 | 7,100 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $150,000 | 7,611 |
| Income before extraordinary items | $522,000 | 6,854 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $522,000 | 6,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,716 |
| Cash dividends | $820,000 | 2,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $522,000 | 6,793 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,591,000 | 7,282 |
| Total interest expense | $1,723,000 | 7,024 |
| Net interest income | $1,868,000 | 7,429 |
| Provision for loan and lease losses | $37,000 | 7,110 |
| Total noninterest income | $296,000 | 6,999 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 7,271 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $185,000 | 5,391 |
| Total noninterest expense | $1,347,000 | 7,525 |
| Salaries and employee benefits | $863,000 | 6,644 |
| Premises and equipment expense | $167,000 | 7,688 |
| Additional noninterest expense | $317,000 | 8,705 |
| Pre-tax net operating income | $780,000 | 6,583 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $185,000 | 7,367 |
| Income before extraordinary items | $595,000 | 6,304 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $595,000 | 6,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,885 |
| Cash dividends | $270,000 | 4,778 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $595,000 | 6,240 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,468,000 | 7,603 |
| Total interest expense | $1,636,000 | 7,314 |
| Net interest income | $1,832,000 | 7,689 |
| Provision for loan and lease losses | $244,000 | 2,622 |
| Total noninterest income | $257,000 | 7,617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 8,029 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $167,000 | 5,659 |
| Total noninterest expense | $1,391,000 | 7,612 |
| Salaries and employee benefits | $838,000 | 6,903 |
| Premises and equipment expense | $159,000 | 8,051 |
| Additional noninterest expense | $394,000 | 8,248 |
| Pre-tax net operating income | $454,000 | 8,728 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $67,000 | 9,845 |
| Income before extraordinary items | $387,000 | 8,179 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $387,000 | 8,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 2,214 |
| Cash dividends | $240,000 | 5,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $387,000 | 8,144 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,238,000 | 7,713 |
| Total interest expense | $1,263,000 | 7,676 |
| Net interest income | $1,975,000 | 7,627 |
| Provision for loan and lease losses | $104,000 | 4,473 |
| Total noninterest income | $262,000 | 7,781 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 8,334 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $171,000 | 5,800 |
| Total noninterest expense | $1,422,000 | 7,847 |
| Salaries and employee benefits | $878,000 | 6,762 |
| Premises and equipment expense | $170,000 | 8,080 |
| Additional noninterest expense | $374,000 | 9,093 |
| Pre-tax net operating income | $711,000 | 7,327 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $167,000 | 7,982 |
| Income before extraordinary items | $544,000 | 6,962 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $544,000 | 6,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,684 |
| Cash dividends | $200,000 | 5,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $544,000 | 7,012 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,175,000 | 8,053 |
| Total interest expense | $1,218,000 | 8,185 |
| Net interest income | $1,957,000 | 7,806 |
| Provision for loan and lease losses | $78,000 | 6,380 |
| Total noninterest income | $401,000 | 6,468 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 8,693 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $311,000 | 4,371 |
| Total noninterest expense | $1,421,000 | 8,103 |
| Salaries and employee benefits | $857,000 | 6,981 |
| Premises and equipment expense | $168,000 | 8,425 |
| Additional noninterest expense | $396,000 | 9,306 |
| Pre-tax net operating income | $859,000 | 6,524 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $233,000 | 7,046 |
| Income before extraordinary items | $626,000 | 6,590 |
| Extraordinary gains, net | $-40,000 | 12,653 |
| Net income | $586,000 | 7,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 5,803 |
| Cash dividends | $160,000 | 5,928 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $626,000 | 6,347 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,541,000 | 8,120 |
| Total interest expense | $1,601,000 | 8,199 |
| Net interest income | $1,940,000 | 7,920 |
| Provision for loan and lease losses | $74,000 | 8,124 |
| Total noninterest income | $326,000 | 7,394 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $87,000 | 8,930 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $239,000 | 5,118 |
| Total noninterest expense | $1,505,000 | 7,892 |
| Salaries and employee benefits | $919,000 | 6,511 |
| Premises and equipment expense | $164,000 | 8,734 |
| Additional noninterest expense | $422,000 | 9,304 |
| Pre-tax net operating income | $687,000 | 7,174 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $200,000 | 7,567 |
| Income before extraordinary items | $487,000 | 7,442 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $487,000 | 7,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 4,456 |
| Cash dividends | $160,000 | 5,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $487,000 | 7,072 |
* 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.