Home > Farmers' and Traders' State Bank > Income and Expense
Farmers' and Traders' State Bank, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $294,000 | 6,909 |
| Total interest expense | $64,000 | 6,471 |
| Net interest income | $230,000 | 6,944 |
| Provision for loan and lease losses | $490,000 | 1,078 |
| Total noninterest income | $18,000 | 6,707 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $9,000 | 6,588 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $9,000 | 6,296 |
| Total noninterest expense | $540,000 | 5,618 |
| Salaries and employee benefits | $156,000 | 6,584 |
| Premises and equipment expense | $60,000 | 5,513 |
| Additional noninterest expense | $324,000 | 4,185 |
| Pre-tax net operating income | $-782,000 | 7,129 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-782,000 | 7,146 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-782,000 | 7,145 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-782,000 | 7,146 |
| Net charge-offs | $1,289,000 | 570 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-782,000 | 7,138 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,966,000 | 6,468 |
| Total interest expense | $500,000 | 5,849 |
| Net interest income | $1,466,000 | 6,557 |
| Provision for loan and lease losses | $3,625,000 | 1,023 |
| Total noninterest income | $80,000 | 6,576 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $58,000 | 6,200 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $22,000 | 6,333 |
| Total noninterest expense | $1,830,000 | 5,971 |
| Salaries and employee benefits | $671,000 | 6,538 |
| Premises and equipment expense | $278,000 | 5,397 |
| Additional noninterest expense | $881,000 | 5,211 |
| Pre-tax net operating income | $-3,909,000 | 6,991 |
| Securities gains (losses) | $83,000 | 2,212 |
| Applicable income taxes | $3,000 | 4,538 |
| Income before extraordinary items | $-3,829,000 | 7,009 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,829,000 | 7,010 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-3,829,000 | 7,010 |
| Net charge-offs | $1,591,000 | 1,797 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-3,912,000 | 6,996 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,528,000 | 6,480 |
| Total interest expense | $411,000 | 5,798 |
| Net interest income | $1,117,000 | 6,591 |
| Provision for loan and lease losses | $2,098,000 | 1,200 |
| Total noninterest income | $64,000 | 6,638 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $45,000 | 6,196 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $19,000 | 6,416 |
| Total noninterest expense | $1,223,000 | 6,205 |
| Salaries and employee benefits | $510,000 | 6,540 |
| Premises and equipment expense | $213,000 | 5,397 |
| Additional noninterest expense | $500,000 | 5,826 |
| Pre-tax net operating income | $-2,140,000 | 7,017 |
| Securities gains (losses) | $83,000 | 1,945 |
| Applicable income taxes | $3,000 | 4,520 |
| Income before extraordinary items | $-2,060,000 | 7,068 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,060,000 | 7,069 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-2,060,000 | 7,069 |
| Net charge-offs | $1,325,000 | 1,624 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-2,143,000 | 7,056 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,024,000 | 6,531 |
| Total interest expense | $263,000 | 5,986 |
| Net interest income | $761,000 | 6,612 |
| Provision for loan and lease losses | $1,480,000 | 1,144 |
| Total noninterest income | $45,000 | 6,670 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $30,000 | 6,196 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $15,000 | 6,410 |
| Total noninterest expense | $795,000 | 6,322 |
| Salaries and employee benefits | $359,000 | 6,520 |
| Premises and equipment expense | $142,000 | 5,428 |
| Additional noninterest expense | $294,000 | 6,143 |
| Pre-tax net operating income | $-1,469,000 | 7,095 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $3,000 | 4,420 |
| Income before extraordinary items | $-1,472,000 | 7,137 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,472,000 | 7,138 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-1,472,000 | 7,138 |
| Net charge-offs | $168,000 | 3,296 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-1,472,000 | 7,125 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $581,000 | 6,382 |
| Total interest expense | $124,000 | 6,174 |
| Net interest income | $457,000 | 6,353 |
| Provision for loan and lease losses | $1,379,000 | 694 |
| Total noninterest income | $26,000 | 6,619 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $15,000 | 6,157 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $11,000 | 6,315 |
| Total noninterest expense | $394,000 | 6,382 |
| Salaries and employee benefits | $189,000 | 6,475 |
| Premises and equipment expense | $73,000 | 5,426 |
| Additional noninterest expense | $132,000 | 6,369 |
| Pre-tax net operating income | $-1,290,000 | 7,321 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $3,000 | 4,206 |
| Income before extraordinary items | $-1,293,000 | 7,339 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-1,293,000 | 7,339 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,293,000 | 7,340 |
| Net charge-offs | $168,000 | 2,255 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-1,293,000 | 7,336 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,475,000 | 6,397 |
| Total interest expense | $469,000 | 6,609 |
| Net interest income | $2,006,000 | 6,234 |
| Provision for loan and lease losses | $28,000 | 6,724 |
| Total noninterest income | $93,000 | 6,726 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $68,000 | 5,949 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $25,000 | 6,514 |
| Total noninterest expense | $1,519,000 | 6,504 |
| Salaries and employee benefits | $707,000 | 6,659 |
| Premises and equipment expense | $309,000 | 5,333 |
| Additional noninterest expense | $503,000 | 6,498 |
| Pre-tax net operating income | $552,000 | 4,251 |
| Securities gains (losses) | $23,000 | 3,038 |
| Applicable income taxes | $-1,000 | 6,484 |
| Income before extraordinary items | $576,000 | 4,119 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $576,000 | 4,118 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $576,000 | 4,119 |
| Net charge-offs | $55,000 | 5,845 |
| Cash dividends | $225,000 | 3,184 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $553,000 | 4,031 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,839,000 | 6,526 |
| Total interest expense | $347,000 | 6,772 |
| Net interest income | $1,492,000 | 6,359 |
| Provision for loan and lease losses | $28,000 | 6,546 |
| Total noninterest income | $73,000 | 6,834 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $53,000 | 5,990 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $20,000 | 6,660 |
| Total noninterest expense | $1,101,000 | 6,607 |
| Salaries and employee benefits | $516,000 | 6,760 |
| Premises and equipment expense | $243,000 | 5,309 |
| Additional noninterest expense | $342,000 | 6,698 |
| Pre-tax net operating income | $436,000 | 4,401 |
| Securities gains (losses) | $23,000 | 2,831 |
| Applicable income taxes | $-1,000 | 6,769 |
| 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 | $55,000 | 5,435 |
| Cash dividends | $75,000 | 3,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $437,000 | 4,175 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,170,000 | 6,629 |
| Total interest expense | $229,000 | 6,857 |
| Net interest income | $941,000 | 6,468 |
| Provision for loan and lease losses | $28,000 | 6,256 |
| Total noninterest income | $47,000 | 6,900 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $31,000 | 6,151 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $16,000 | 6,606 |
| Total noninterest expense | $725,000 | 6,670 |
| Salaries and employee benefits | $336,000 | 6,853 |
| Premises and equipment expense | $164,000 | 5,318 |
| Additional noninterest expense | $225,000 | 6,754 |
| Pre-tax net operating income | $235,000 | 4,732 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $235,000 | 4,664 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $235,000 | 4,664 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $235,000 | 4,664 |
| Net charge-offs | $55,000 | 4,800 |
| Cash dividends | $75,000 | 3,003 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $235,000 | 4,515 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $553,000 | 6,810 |
| Total interest expense | $111,000 | 7,026 |
| Net interest income | $442,000 | 6,629 |
| Provision for loan and lease losses | $20,000 | 5,721 |
| Total noninterest income | $31,000 | 6,709 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $15,000 | 6,220 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $16,000 | 6,197 |
| Total noninterest expense | $347,000 | 6,844 |
| Salaries and employee benefits | $164,000 | 6,984 |
| Premises and equipment expense | $77,000 | 5,536 |
| Additional noninterest expense | $106,000 | 6,916 |
| Pre-tax net operating income | $106,000 | 4,974 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $106,000 | 4,890 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $106,000 | 4,890 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $106,000 | 4,889 |
| Net charge-offs | $15,000 | 4,608 |
| Cash dividends | $75,000 | 2,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $106,000 | 4,785 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,851,000 | 7,175 |
| Total interest expense | $385,000 | 7,387 |
| Net interest income | $1,466,000 | 6,947 |
| Provision for loan and lease losses | $498,000 | 4,556 |
| Total noninterest income | $257,000 | 5,860 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $71,000 | 6,153 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $186,000 | 4,757 |
| Total noninterest expense | $1,429,000 | 6,892 |
| Salaries and employee benefits | $713,000 | 6,942 |
| Premises and equipment expense | $294,000 | 5,698 |
| Additional noninterest expense | $422,000 | 7,026 |
| Pre-tax net operating income | $-204,000 | 5,711 |
| Securities gains (losses) | $11,000 | 3,232 |
| Applicable income taxes | $3,000 | 4,116 |
| Income before extraordinary items | $-196,000 | 5,819 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-196,000 | 5,818 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-196,000 | 5,818 |
| Net charge-offs | $110,000 | 5,609 |
| Cash dividends | $50,000 | 4,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-207,000 | 5,833 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,340,000 | 7,297 |
| Total interest expense | $285,000 | 7,504 |
| Net interest income | $1,055,000 | 7,053 |
| Provision for loan and lease losses | $36,000 | 6,717 |
| Total noninterest income | $227,000 | 5,656 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $51,000 | 6,242 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $176,000 | 4,496 |
| Total noninterest expense | $1,044,000 | 6,961 |
| Salaries and employee benefits | $526,000 | 6,996 |
| Premises and equipment expense | $222,000 | 5,729 |
| Additional noninterest expense | $296,000 | 7,135 |
| Pre-tax net operating income | $202,000 | 4,922 |
| Securities gains (losses) | $11,000 | 2,942 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $213,000 | 4,787 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $213,000 | 4,788 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $213,000 | 4,788 |
| Net charge-offs | $1,000 | 6,910 |
| Cash dividends | $50,000 | 3,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $202,000 | 4,770 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $871,000 | 7,385 |
| Total interest expense | $189,000 | 7,615 |
| Net interest income | $682,000 | 7,136 |
| Provision for loan and lease losses | $24,000 | 6,617 |
| Total noninterest income | $68,000 | 6,856 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $33,000 | 6,301 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $35,000 | 6,236 |
| Total noninterest expense | $667,000 | 7,093 |
| Salaries and employee benefits | $337,000 | 7,135 |
| Premises and equipment expense | $152,000 | 5,719 |
| Additional noninterest expense | $178,000 | 7,324 |
| Pre-tax net operating income | $59,000 | 5,463 |
| Securities gains (losses) | $11,000 | 2,552 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $70,000 | 5,436 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $70,000 | 5,432 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $70,000 | 5,432 |
| Net charge-offs | $1,000 | 6,525 |
| Cash dividends | $50,000 | 3,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $59,000 | 5,432 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $434,000 | 7,456 |
| Total interest expense | $97,000 | 7,665 |
| Net interest income | $337,000 | 7,177 |
| Provision for loan and lease losses | $12,000 | 6,236 |
| Total noninterest income | $38,000 | 6,716 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $17,000 | 6,257 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $21,000 | 6,118 |
| Total noninterest expense | $343,000 | 7,045 |
| Salaries and employee benefits | $168,000 | 7,182 |
| Premises and equipment expense | $78,000 | 5,712 |
| Additional noninterest expense | $97,000 | 7,134 |
| Pre-tax net operating income | $20,000 | 6,025 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $20,000 | 6,148 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $20,000 | 6,150 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $20,000 | 6,150 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $50,000 | 2,639 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $20,000 | 5,994 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,864,000 | 7,426 |
| Total interest expense | $642,000 | 7,429 |
| Net interest income | $1,222,000 | 7,336 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $125,000 | 7,060 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $87,000 | 6,083 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $38,000 | 7,010 |
| Total noninterest expense | $1,283,000 | 7,171 |
| Salaries and employee benefits | $627,000 | 7,340 |
| Premises and equipment expense | $290,000 | 5,884 |
| Additional noninterest expense | $366,000 | 7,178 |
| Pre-tax net operating income | $64,000 | 6,128 |
| Securities gains (losses) | $46,000 | 1,666 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $110,000 | 5,826 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $110,000 | 5,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,395 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $64,000 | 6,140 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,405,000 | 7,503 |
| Total interest expense | $511,000 | 7,477 |
| Net interest income | $894,000 | 7,435 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $92,000 | 7,193 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $65,000 | 6,126 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $27,000 | 7,207 |
| Total noninterest expense | $925,000 | 7,233 |
| Salaries and employee benefits | $458,000 | 7,404 |
| Premises and equipment expense | $213,000 | 5,944 |
| Additional noninterest expense | $254,000 | 7,296 |
| Pre-tax net operating income | $61,000 | 6,553 |
| Securities gains (losses) | $41,000 | 1,554 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $102,000 | 6,172 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $102,000 | 6,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,592 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $61,000 | 6,521 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $948,000 | 7,553 |
| Total interest expense | $371,000 | 7,473 |
| Net interest income | $577,000 | 7,514 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $64,000 | 7,231 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $43,000 | 6,136 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $21,000 | 7,150 |
| Total noninterest expense | $601,000 | 7,327 |
| Salaries and employee benefits | $301,000 | 7,507 |
| Premises and equipment expense | $140,000 | 6,013 |
| Additional noninterest expense | $160,000 | 7,413 |
| Pre-tax net operating income | $40,000 | 6,733 |
| Securities gains (losses) | $29,000 | 1,807 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $69,000 | 6,559 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $69,000 | 6,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,014 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $40,000 | 6,699 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $494,000 | 7,576 |
| Total interest expense | $222,000 | 7,325 |
| Net interest income | $272,000 | 7,645 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $32,000 | 7,250 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $19,000 | 6,289 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $13,000 | 6,970 |
| Total noninterest expense | $298,000 | 7,388 |
| Salaries and employee benefits | $151,000 | 7,542 |
| Premises and equipment expense | $75,000 | 5,878 |
| Additional noninterest expense | $72,000 | 7,579 |
| Pre-tax net operating income | $6,000 | 7,104 |
| Securities gains (losses) | $29,000 | 1,385 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $35,000 | 6,801 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $35,000 | 6,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,845 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $6,000 | 7,102 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,037,000 | 7,537 |
| Total interest expense | $1,138,000 | 6,952 |
| Net interest income | $899,000 | 7,874 |
| Provision for loan and lease losses | $-164,000 | 8,420 |
| Total noninterest income | $100,000 | 7,555 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $70,000 | 6,442 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $30,000 | 7,542 |
| Total noninterest expense | $1,361,000 | 7,124 |
| Salaries and employee benefits | $708,000 | 7,230 |
| Premises and equipment expense | $284,000 | 5,918 |
| Additional noninterest expense | $369,000 | 7,204 |
| Pre-tax net operating income | $-198,000 | 7,642 |
| Securities gains (losses) | $1,000 | 1,983 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-197,000 | 7,709 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-197,000 | 7,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,041 |
| Cash dividends | $20,000 | 5,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-198,000 | 7,692 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,521,000 | 7,582 |
| Total interest expense | $861,000 | 6,972 |
| Net interest income | $660,000 | 7,947 |
| Provision for loan and lease losses | $36,000 | 5,408 |
| Total noninterest income | $76,000 | 7,593 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $51,000 | 6,513 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $25,000 | 7,502 |
| Total noninterest expense | $1,005,000 | 7,140 |
| Salaries and employee benefits | $540,000 | 7,167 |
| Premises and equipment expense | $202,000 | 6,046 |
| Additional noninterest expense | $263,000 | 7,293 |
| Pre-tax net operating income | $-305,000 | 7,962 |
| Securities gains (losses) | $1,000 | 1,492 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-304,000 | 8,005 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-304,000 | 8,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,157 |
| Cash dividends | $20,000 | 5,090 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-305,000 | 7,991 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $998,000 | 7,650 |
| Total interest expense | $558,000 | 7,049 |
| Net interest income | $440,000 | 8,002 |
| Provision for loan and lease losses | $24,000 | 5,201 |
| Total noninterest income | $45,000 | 7,765 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $31,000 | 6,626 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $14,000 | 7,664 |
| Total noninterest expense | $663,000 | 7,196 |
| Salaries and employee benefits | $367,000 | 7,178 |
| Premises and equipment expense | $122,000 | 6,326 |
| Additional noninterest expense | $174,000 | 7,312 |
| Pre-tax net operating income | $-202,000 | 8,086 |
| Securities gains (losses) | $1,000 | 1,305 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-201,000 | 8,118 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-201,000 | 8,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 2,999 |
| Cash dividends | $20,000 | 4,870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-202,000 | 8,109 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $497,000 | 7,694 |
| Total interest expense | $268,000 | 7,129 |
| Net interest income | $229,000 | 8,023 |
| Provision for loan and lease losses | $12,000 | 4,908 |
| Total noninterest income | $24,000 | 7,693 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $15,000 | 6,674 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $9,000 | 7,488 |
| Total noninterest expense | $361,000 | 7,063 |
| Salaries and employee benefits | $211,000 | 6,911 |
| Premises and equipment expense | $51,000 | 6,759 |
| Additional noninterest expense | $99,000 | 7,103 |
| Pre-tax net operating income | $-120,000 | 8,183 |
| Securities gains (losses) | $1,000 | 1,055 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-119,000 | 8,211 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-119,000 | 8,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,606 |
| Cash dividends | $20,000 | 3,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-120,000 | 8,203 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,038,000 | 7,507 |
| Total interest expense | $973,000 | 6,997 |
| Net interest income | $1,065,000 | 7,751 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $79,000 | 7,962 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $64,000 | 6,666 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $15,000 | 8,126 |
| Total noninterest expense | $1,100,000 | 7,551 |
| Salaries and employee benefits | $658,000 | 7,408 |
| Premises and equipment expense | $119,000 | 7,603 |
| Additional noninterest expense | $323,000 | 7,448 |
| Pre-tax net operating income | $44,000 | 7,858 |
| Securities gains (losses) | $-12,000 | 7,357 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $32,000 | 7,891 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $32,000 | 7,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,730 |
| Cash dividends | $106,000 | 5,391 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $44,000 | 7,855 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,507,000 | 7,578 |
| Total interest expense | $697,000 | 7,067 |
| Net interest income | $810,000 | 7,801 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $63,000 | 7,984 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $50,000 | 6,711 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $13,000 | 8,103 |
| Total noninterest expense | $722,000 | 7,769 |
| Salaries and employee benefits | $429,000 | 7,664 |
| Premises and equipment expense | $85,000 | 7,673 |
| Additional noninterest expense | $208,000 | 7,721 |
| Pre-tax net operating income | $151,000 | 7,622 |
| Securities gains (losses) | $-2,000 | 7,192 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $149,000 | 7,483 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $149,000 | 7,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,511 |
| Cash dividends | $105,000 | 4,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $151,000 | 7,475 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $974,000 | 7,646 |
| Total interest expense | $428,000 | 7,177 |
| Net interest income | $546,000 | 7,838 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $46,000 | 7,943 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $35,000 | 6,693 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,000 | 8,021 |
| Total noninterest expense | $479,000 | 7,798 |
| Salaries and employee benefits | $280,000 | 7,743 |
| Premises and equipment expense | $55,000 | 7,735 |
| Additional noninterest expense | $144,000 | 7,681 |
| Pre-tax net operating income | $113,000 | 7,611 |
| Securities gains (losses) | $-2,000 | 7,528 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $111,000 | 7,454 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $111,000 | 7,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,365 |
| Cash dividends | $101,000 | 4,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $113,000 | 7,448 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $482,000 | 7,669 |
| Total interest expense | $198,000 | 7,242 |
| Net interest income | $284,000 | 7,810 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $27,000 | 7,770 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $18,000 | 6,650 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $9,000 | 7,631 |
| Total noninterest expense | $237,000 | 7,827 |
| Salaries and employee benefits | $141,000 | 7,745 |
| Premises and equipment expense | $28,000 | 7,712 |
| Additional noninterest expense | $68,000 | 7,772 |
| Pre-tax net operating income | $74,000 | 7,388 |
| Securities gains (losses) | $-2,000 | 7,972 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $72,000 | 7,166 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $72,000 | 7,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $64,000 | 3,444 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $74,000 | 7,135 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,780,000 | 7,656 |
| Total interest expense | $547,000 | 7,486 |
| Net interest income | $1,233,000 | 7,642 |
| Provision for loan and lease losses | $60,000 | 5,443 |
| Total noninterest income | $92,000 | 8,016 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $75,000 | 6,673 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $17,000 | 8,210 |
| Total noninterest expense | $1,047,000 | 7,672 |
| Salaries and employee benefits | $638,000 | 7,487 |
| Premises and equipment expense | $107,000 | 7,786 |
| Additional noninterest expense | $302,000 | 7,640 |
| Pre-tax net operating income | $218,000 | 7,648 |
| Securities gains (losses) | $-14,000 | 7,671 |
| Applicable income taxes | $2,000 | 6,781 |
| Income before extraordinary items | $202,000 | 7,572 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $202,000 | 7,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,213 |
| Cash dividends | $121,000 | 5,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $215,860 | 7,488 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,299,000 | 7,714 |
| Total interest expense | $367,000 | 7,615 |
| Net interest income | $932,000 | 7,677 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $71,000 | 8,035 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $57,000 | 6,690 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $14,000 | 8,207 |
| Total noninterest expense | $786,000 | 7,648 |
| Salaries and employee benefits | $475,000 | 7,481 |
| Premises and equipment expense | $78,000 | 7,820 |
| Additional noninterest expense | $233,000 | 7,581 |
| Pre-tax net operating income | $172,000 | 7,743 |
| Securities gains (losses) | $-12,000 | 7,977 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $160,000 | 7,663 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $160,000 | 7,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,948 |
| Cash dividends | $121,000 | 4,547 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $172,000 | 7,562 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $840,000 | 7,750 |
| Total interest expense | $220,000 | 7,703 |
| Net interest income | $620,000 | 7,706 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $48,000 | 8,009 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $36,000 | 6,751 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $12,000 | 8,048 |
| Total noninterest expense | $520,000 | 7,666 |
| Salaries and employee benefits | $317,000 | 7,477 |
| Premises and equipment expense | $50,000 | 7,864 |
| Additional noninterest expense | $153,000 | 7,579 |
| Pre-tax net operating income | $118,000 | 7,756 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $119,000 | 7,598 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $119,000 | 7,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,895 |
| Cash dividends | $103,000 | 4,219 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $118,000 | 7,565 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $417,000 | 7,815 |
| Total interest expense | $103,000 | 7,792 |
| Net interest income | $314,000 | 7,749 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $24,000 | 8,024 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $16,000 | 6,882 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $8,000 | 7,922 |
| Total noninterest expense | $258,000 | 7,745 |
| Salaries and employee benefits | $159,000 | 7,524 |
| Premises and equipment expense | $25,000 | 7,927 |
| Additional noninterest expense | $74,000 | 7,713 |
| Pre-tax net operating income | $65,000 | 7,705 |
| Securities gains (losses) | $1,000 | 1,514 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $66,000 | 7,497 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $66,000 | 7,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $62,000 | 3,300 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $65,000 | 7,484 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,571,000 | 7,811 |
| Total interest expense | $403,000 | 7,679 |
| Net interest income | $1,168,000 | 7,789 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $83,000 | 8,267 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $68,000 | 6,989 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $15,000 | 8,368 |
| Total noninterest expense | $905,000 | 7,972 |
| Salaries and employee benefits | $531,000 | 7,898 |
| Premises and equipment expense | $100,000 | 7,971 |
| Additional noninterest expense | $274,000 | 7,856 |
| Pre-tax net operating income | $346,000 | 7,285 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $4,000 | 6,965 |
| Income before extraordinary items | $342,000 | 7,051 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $342,000 | 7,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,912 |
| Cash dividends | $156,000 | 5,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $342,000 | 7,002 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,160,000 | 7,864 |
| Total interest expense | $295,000 | 7,729 |
| Net interest income | $865,000 | 7,844 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $61,000 | 8,340 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $48,000 | 7,102 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $13,000 | 8,331 |
| Total noninterest expense | $655,000 | 8,031 |
| Salaries and employee benefits | $379,000 | 7,943 |
| Premises and equipment expense | $74,000 | 7,978 |
| Additional noninterest expense | $202,000 | 7,891 |
| Pre-tax net operating income | $271,000 | 7,373 |
| Securities gains (losses) | $4,000 | 3,145 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $275,000 | 7,059 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $275,000 | 7,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,285 |
| Cash dividends | $156,000 | 4,258 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $271,000 | 7,016 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $769,000 | 7,928 |
| Total interest expense | $194,000 | 7,815 |
| Net interest income | $575,000 | 7,894 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $43,000 | 8,339 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $32,000 | 7,125 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $11,000 | 8,227 |
| Total noninterest expense | $435,000 | 8,088 |
| Salaries and employee benefits | $254,000 | 7,996 |
| Premises and equipment expense | $49,000 | 8,015 |
| Additional noninterest expense | $132,000 | 7,951 |
| Pre-tax net operating income | $183,000 | 7,317 |
| Securities gains (losses) | $13,000 | 2,268 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $196,000 | 6,945 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $196,000 | 6,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,637 |
| Cash dividends | $134,000 | 3,927 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $183,000 | 6,972 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $389,000 | 7,950 |
| Total interest expense | $100,000 | 7,846 |
| Net interest income | $289,000 | 7,911 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $25,000 | 8,175 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $16,000 | 7,105 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $9,000 | 7,855 |
| Total noninterest expense | $219,000 | 8,109 |
| Salaries and employee benefits | $128,000 | 8,003 |
| Premises and equipment expense | $24,000 | 8,053 |
| Additional noninterest expense | $67,000 | 7,958 |
| Pre-tax net operating income | $95,000 | 7,230 |
| Securities gains (losses) | $13,000 | 1,918 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $108,000 | 6,727 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $108,000 | 6,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 2,391 |
| Cash dividends | $89,000 | 3,015 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $95,000 | 6,876 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,621,000 | 7,948 |
| Total interest expense | $479,000 | 7,810 |
| Net interest income | $1,142,000 | 7,898 |
| Provision for loan and lease losses | $-100,000 | 9,026 |
| Total noninterest income | $74,000 | 8,573 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $58,000 | 7,304 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $16,000 | 8,557 |
| Total noninterest expense | $901,000 | 8,078 |
| Salaries and employee benefits | $523,000 | 8,002 |
| Premises and equipment expense | $95,000 | 8,127 |
| Additional noninterest expense | $283,000 | 7,879 |
| Pre-tax net operating income | $415,000 | 6,976 |
| Securities gains (losses) | $24,000 | 3,094 |
| Applicable income taxes | $5,000 | 7,192 |
| Income before extraordinary items | $434,000 | 6,644 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $434,000 | 6,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,130 |
| Cash dividends | $204,000 | 4,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $410,240 | 6,606 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,234,000 | 8,015 |
| Total interest expense | $370,000 | 7,912 |
| Net interest income | $864,000 | 7,946 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $59,000 | 8,581 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $46,000 | 7,311 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $13,000 | 8,555 |
| Total noninterest expense | $656,000 | 8,126 |
| Salaries and employee benefits | $372,000 | 8,090 |
| Premises and equipment expense | $70,000 | 8,163 |
| Additional noninterest expense | $214,000 | 7,870 |
| Pre-tax net operating income | $267,000 | 7,346 |
| Securities gains (losses) | $27,000 | 2,773 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $294,000 | 6,976 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $294,000 | 6,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,594 |
| Cash dividends | $204,000 | 3,985 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $267,000 | 6,979 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $832,000 | 8,051 |
| Total interest expense | $255,000 | 7,972 |
| Net interest income | $577,000 | 7,970 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $41,000 | 8,553 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $30,000 | 7,331 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $11,000 | 8,392 |
| Total noninterest expense | $445,000 | 8,121 |
| Salaries and employee benefits | $248,000 | 8,102 |
| Premises and equipment expense | $47,000 | 8,170 |
| Additional noninterest expense | $150,000 | 7,776 |
| Pre-tax net operating income | $173,000 | 7,436 |
| Securities gains (losses) | $27,000 | 2,433 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $200,000 | 6,967 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $200,000 | 6,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,455 |
| Cash dividends | $188,000 | 3,595 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $173,000 | 7,044 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $434,000 | 8,035 |
| Total interest expense | $134,000 | 7,969 |
| Net interest income | $300,000 | 7,927 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $23,000 | 8,464 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $14,000 | 7,374 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $9,000 | 7,987 |
| Total noninterest expense | $218,000 | 8,188 |
| Salaries and employee benefits | $126,000 | 8,092 |
| Premises and equipment expense | $25,000 | 8,112 |
| Additional noninterest expense | $67,000 | 8,027 |
| Pre-tax net operating income | $105,000 | 7,111 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $105,000 | 6,805 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $105,000 | 6,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $131,000 | 2,656 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $105,000 | 6,636 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,818,000 | 8,055 |
| Total interest expense | $644,000 | 7,977 |
| Net interest income | $1,174,000 | 7,989 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $153,000 | 7,793 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $63,000 | 7,282 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $90,000 | 6,648 |
| Total noninterest expense | $910,000 | 8,129 |
| Salaries and employee benefits | $515,000 | 8,086 |
| Premises and equipment expense | $100,000 | 8,169 |
| Additional noninterest expense | $295,000 | 7,843 |
| Pre-tax net operating income | $417,000 | 7,088 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $76,000 | 6,213 |
| Income before extraordinary items | $342,000 | 7,118 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $342,000 | 7,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,721 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $-167,000 | 9,264 |
| Net operating income | $341,180 | 7,008 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,002,000 | 8,213 |
| Total interest expense | $946,000 | 8,132 |
| Net interest income | $1,056,000 | 8,171 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $94,000 | 8,603 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $64,000 | 7,308 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $30,000 | 8,341 |
| Total noninterest expense | $864,000 | 8,294 |
| Salaries and employee benefits | $475,000 | 8,285 |
| Premises and equipment expense | $88,000 | 8,488 |
| Additional noninterest expense | $301,000 | 7,850 |
| Pre-tax net operating income | $286,000 | 7,481 |
| Securities gains (losses) | $13,000 | 3,437 |
| Applicable income taxes | $80,000 | 6,264 |
| Income before extraordinary items | $219,000 | 7,610 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $219,000 | 7,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-94,000 | 9,500 |
| Cash dividends | $50,000 | 6,151 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $209,510 | 7,540 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,896,000 | 8,510 |
| Total interest expense | $860,000 | 8,512 |
| Net interest income | $1,036,000 | 8,411 |
| Provision for loan and lease losses | $-100,000 | 9,803 |
| Total noninterest income | $548,000 | 4,648 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 7,530 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $494,000 | 2,975 |
| Total noninterest expense | $892,000 | 8,319 |
| Salaries and employee benefits | $485,000 | 8,320 |
| Premises and equipment expense | $87,000 | 8,667 |
| Additional noninterest expense | $320,000 | 7,782 |
| Pre-tax net operating income | $792,000 | 5,895 |
| Securities gains (losses) | $-432,000 | 9,692 |
| Applicable income taxes | $29,000 | 7,645 |
| Income before extraordinary items | $331,000 | 7,280 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $331,000 | 7,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-73,000 | 9,693 |
| Cash dividends | $50,000 | 6,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $728,440 | 5,317 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,871,000 | 8,646 |
| Total interest expense | $903,000 | 8,429 |
| Net interest income | $968,000 | 8,706 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $49,000 | 9,601 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 8,233 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 9,434 |
| Total noninterest expense | $850,000 | 8,594 |
| Salaries and employee benefits | $537,000 | 8,119 |
| Premises and equipment expense | $90,000 | 8,819 |
| Additional noninterest expense | $223,000 | 8,810 |
| Pre-tax net operating income | $167,000 | 8,732 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $39,000 | 7,833 |
| Income before extraordinary items | $128,000 | 8,794 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $128,000 | 8,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,827 |
| Cash dividends | $47,000 | 6,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $128,000 | 8,757 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,953,000 | 8,740 |
| Total interest expense | $990,000 | 8,450 |
| Net interest income | $963,000 | 8,882 |
| Provision for loan and lease losses | $330,000 | 2,400 |
| Total noninterest income | $48,000 | 9,871 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $31,000 | 8,487 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 9,614 |
| Total noninterest expense | $704,000 | 9,091 |
| Salaries and employee benefits | $412,000 | 8,897 |
| Premises and equipment expense | $74,000 | 9,279 |
| Additional noninterest expense | $218,000 | 8,920 |
| Pre-tax net operating income | $-23,000 | 9,837 |
| Securities gains (losses) | $-1,000 | 9,769 |
| Applicable income taxes | $-32,000 | 10,091 |
| Income before extraordinary items | $8,000 | 9,808 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $8,000 | 9,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,633 |
| Cash dividends | $46,000 | 6,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $8,640 | 9,757 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,024,000 | 8,981 |
| Total interest expense | $998,000 | 8,695 |
| Net interest income | $1,026,000 | 9,121 |
| Provision for loan and lease losses | $90,000 | 5,371 |
| Total noninterest income | $54,000 | 10,218 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $44,000 | 8,568 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 10,416 |
| Total noninterest expense | $682,000 | 9,448 |
| Salaries and employee benefits | $421,000 | 9,132 |
| Premises and equipment expense | $69,000 | 9,733 |
| Additional noninterest expense | $192,000 | 9,519 |
| Pre-tax net operating income | $308,000 | 8,956 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $99,000 | 8,414 |
| Income before extraordinary items | $209,000 | 9,079 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $209,000 | 9,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,342 |
| Cash dividends | $45,000 | 7,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $209,000 | 9,041 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,893,000 | 9,516 |
| Total interest expense | $1,031,000 | 8,913 |
| Net interest income | $862,000 | 9,934 |
| Provision for loan and lease losses | $300,000 | 2,555 |
| Total noninterest income | $59,000 | 10,697 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 8,902 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 10,919 |
| Total noninterest expense | $614,000 | 10,125 |
| Salaries and employee benefits | $390,000 | 9,667 |
| Premises and equipment expense | $67,000 | 10,175 |
| Additional noninterest expense | $157,000 | 10,469 |
| Pre-tax net operating income | $7,000 | 10,749 |
| Securities gains (losses) | $-24,000 | 10,728 |
| Applicable income taxes | $-4,000 | 10,909 |
| Income before extraordinary items | $-13,000 | 10,851 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-13,000 | 10,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $295,000 | 2,106 |
| Cash dividends | $42,000 | 7,680 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $5,240 | 10,743 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,976,000 | 9,752 |
| Total interest expense | $956,000 | 9,401 |
| Net interest income | $1,020,000 | 9,885 |
| Provision for loan and lease losses | $10,000 | 8,319 |
| Total noninterest income | $50,000 | 11,349 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $41,000 | 9,495 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 11,559 |
| Total noninterest expense | $655,000 | 10,344 |
| Salaries and employee benefits | $390,000 | 10,019 |
| Premises and equipment expense | $65,000 | 10,624 |
| Additional noninterest expense | $200,000 | 10,413 |
| Pre-tax net operating income | $405,000 | 9,037 |
| Securities gains (losses) | $-115,000 | 11,551 |
| Applicable income taxes | $61,000 | 9,959 |
| Income before extraordinary items | $229,000 | 9,622 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $229,000 | 9,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 11,021 |
| Cash dividends | $40,000 | 7,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $319,850 | 8,709 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,826,000 | 10,113 |
| Total interest expense | $816,000 | 9,517 |
| Net interest income | $1,010,000 | 10,356 |
| Provision for loan and lease losses | $20,000 | 7,754 |
| Total noninterest income | $45,000 | 12,039 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 10,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 12,349 |
| Total noninterest expense | $692,000 | 10,733 |
| Salaries and employee benefits | $416,000 | 10,140 |
| Premises and equipment expense | $67,000 | 11,063 |
| Additional noninterest expense | $209,000 | 11,024 |
| Pre-tax net operating income | $343,000 | 9,784 |
| Securities gains (losses) | $-19,000 | 10,292 |
| Applicable income taxes | $109,000 | 9,152 |
| Income before extraordinary items | $215,000 | 10,088 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $215,000 | 10,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,270 |
| Cash dividends | $71,000 | 7,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $227,540 | 10,017 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,785,000 | 10,617 |
| Total interest expense | $871,000 | 9,687 |
| Net interest income | $914,000 | 11,110 |
| Provision for loan and lease losses | $21,000 | 8,998 |
| Total noninterest income | $48,000 | 12,596 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 10,450 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 12,819 |
| Total noninterest expense | $727,000 | 11,033 |
| Salaries and employee benefits | $448,000 | 10,169 |
| Premises and equipment expense | $74,000 | 11,370 |
| Additional noninterest expense | $205,000 | 11,659 |
| Pre-tax net operating income | $214,000 | 10,920 |
| Securities gains (losses) | $21,000 | 4,601 |
| Applicable income taxes | $94,000 | 9,895 |
| Income before extraordinary items | $141,000 | 11,312 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $141,000 | 11,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 9,031 |
| Cash dividends | $36,000 | 8,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $127,560 | 11,272 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,867,000 | 11,159 |
| Total interest expense | $872,000 | 10,990 |
| Net interest income | $995,000 | 11,125 |
| Provision for loan and lease losses | $30,000 | 9,956 |
| Total noninterest income | $47,000 | 13,183 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,764 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 10,600 |
| Total noninterest expense | $586,000 | 12,148 |
| Salaries and employee benefits | $334,000 | 11,626 |
| Premises and equipment expense | $51,000 | 12,648 |
| Additional noninterest expense | $201,000 | 12,223 |
| Pre-tax net operating income | $426,000 | 9,011 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $116,000 | 9,484 |
| Income before extraordinary items | $312,000 | 9,142 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $312,000 | 9,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 9,962 |
| Cash dividends | $34,000 | 8,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $310,540 | 8,799 |
* 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.