Home > Farmers National Bank > Income and Expense
Farmers National Bank, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $848,000 | 5,414 |
| Total interest expense | $176,000 | 4,739 |
| Net interest income | $672,000 | 5,472 |
| Provision for loan and lease losses | $101,000 | 2,830 |
| Total noninterest income | $39,000 | 6,108 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $71,000 | 3,613 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-32,000 | 7,054 |
| Total noninterest expense | $718,000 | 4,928 |
| Salaries and employee benefits | $319,000 | 5,356 |
| Premises and equipment expense | $101,000 | 4,371 |
| Additional noninterest expense | $298,000 | 4,402 |
| Pre-tax net operating income | $-108,000 | 6,745 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $-43,000 | 7,102 |
| Income before extraordinary items | $-65,000 | 6,745 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-65,000 | 6,747 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-65,000 | 6,747 |
| Net charge-offs | $359,000 | 1,331 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-65,000 | 6,675 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,625,000 | 5,356 |
| Total interest expense | $825,000 | 4,848 |
| Net interest income | $2,800,000 | 5,415 |
| Provision for loan and lease losses | $56,000 | 5,778 |
| Total noninterest income | $482,000 | 4,463 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $360,000 | 3,232 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $122,000 | 5,101 |
| Total noninterest expense | $3,088,000 | 4,803 |
| Salaries and employee benefits | $1,453,000 | 5,043 |
| Premises and equipment expense | $370,000 | 4,741 |
| Additional noninterest expense | $1,265,000 | 4,307 |
| Pre-tax net operating income | $138,000 | 5,644 |
| Securities gains (losses) | $47,000 | 2,625 |
| Applicable income taxes | $53,000 | 3,738 |
| Income before extraordinary items | $132,000 | 5,769 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $132,000 | 5,771 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $132,000 | 5,771 |
| Net charge-offs | $48,000 | 5,495 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $98,630 | 5,766 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,751,000 | 5,389 |
| Total interest expense | $631,000 | 4,916 |
| Net interest income | $2,120,000 | 5,432 |
| Provision for loan and lease losses | $41,000 | 5,688 |
| Total noninterest income | $445,000 | 4,110 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $264,000 | 3,290 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $181,000 | 4,247 |
| Total noninterest expense | $2,302,000 | 4,832 |
| Salaries and employee benefits | $1,084,000 | 5,053 |
| Premises and equipment expense | $283,000 | 4,756 |
| Additional noninterest expense | $935,000 | 4,343 |
| Pre-tax net operating income | $222,000 | 5,384 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $72,000 | 3,434 |
| Income before extraordinary items | $150,000 | 5,711 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $150,000 | 5,711 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $150,000 | 5,712 |
| Net charge-offs | $21,000 | 5,520 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $150,000 | 5,573 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,870,000 | 5,401 |
| Total interest expense | $433,000 | 4,965 |
| Net interest income | $1,437,000 | 5,423 |
| Provision for loan and lease losses | $36,000 | 5,344 |
| Total noninterest income | $285,000 | 4,205 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $175,000 | 3,276 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $110,000 | 4,409 |
| Total noninterest expense | $1,521,000 | 4,911 |
| Salaries and employee benefits | $708,000 | 5,139 |
| Premises and equipment expense | $191,000 | 4,769 |
| Additional noninterest expense | $622,000 | 4,432 |
| Pre-tax net operating income | $165,000 | 5,326 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $61,000 | 3,229 |
| Income before extraordinary items | $104,000 | 5,667 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $104,000 | 5,666 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $104,000 | 5,667 |
| Net charge-offs | $10,000 | 5,333 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $104,000 | 5,583 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $951,000 | 5,398 |
| Total interest expense | $222,000 | 5,019 |
| Net interest income | $729,000 | 5,412 |
| Provision for loan and lease losses | $36,000 | 4,486 |
| Total noninterest income | $132,000 | 4,412 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $89,000 | 3,215 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $43,000 | 4,887 |
| Total noninterest expense | $759,000 | 4,940 |
| Salaries and employee benefits | $354,000 | 5,194 |
| Premises and equipment expense | $101,000 | 4,674 |
| Additional noninterest expense | $304,000 | 4,493 |
| Pre-tax net operating income | $66,000 | 5,541 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $22,000 | 3,387 |
| Income before extraordinary items | $44,000 | 5,798 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $44,000 | 5,797 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $44,000 | 5,798 |
| Net charge-offs | $11,000 | 4,347 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $44,000 | 5,761 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,174,000 | 5,304 |
| Total interest expense | $1,156,000 | 4,917 |
| Net interest income | $3,018,000 | 5,343 |
| Provision for loan and lease losses | $187,000 | 5,425 |
| Total noninterest income | $524,000 | 4,469 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $441,000 | 2,891 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $83,000 | 5,650 |
| Total noninterest expense | $3,091,000 | 4,952 |
| Salaries and employee benefits | $1,461,000 | 5,115 |
| Premises and equipment expense | $372,000 | 4,924 |
| Additional noninterest expense | $1,258,000 | 4,485 |
| Pre-tax net operating income | $264,000 | 5,009 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $88,000 | 3,316 |
| Income before extraordinary items | $176,000 | 5,365 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $176,000 | 5,365 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $176,000 | 5,367 |
| Net charge-offs | $45,000 | 5,971 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $176,000 | 5,228 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,177,000 | 5,357 |
| Total interest expense | $908,000 | 4,955 |
| Net interest income | $2,269,000 | 5,401 |
| Provision for loan and lease losses | $146,000 | 5,300 |
| Total noninterest income | $473,000 | 4,179 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $337,000 | 2,921 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $136,000 | 4,797 |
| Total noninterest expense | $2,343,000 | 4,924 |
| Salaries and employee benefits | $1,117,000 | 5,115 |
| Premises and equipment expense | $271,000 | 5,067 |
| Additional noninterest expense | $955,000 | 4,436 |
| Pre-tax net operating income | $253,000 | 5,053 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $84,000 | 3,234 |
| Income before extraordinary items | $169,000 | 5,435 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $169,000 | 5,437 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $169,000 | 5,438 |
| Net charge-offs | $15,000 | 6,116 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $169,000 | 5,271 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,152,000 | 5,356 |
| Total interest expense | $637,000 | 4,924 |
| Net interest income | $1,515,000 | 5,420 |
| Provision for loan and lease losses | $95,000 | 5,214 |
| Total noninterest income | $350,000 | 3,922 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $238,000 | 2,803 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $112,000 | 4,452 |
| Total noninterest expense | $1,552,000 | 4,960 |
| Salaries and employee benefits | $741,000 | 5,144 |
| Premises and equipment expense | $174,000 | 5,189 |
| Additional noninterest expense | $637,000 | 4,434 |
| Pre-tax net operating income | $218,000 | 4,839 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $72,000 | 3,052 |
| Income before extraordinary items | $146,000 | 5,246 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $146,000 | 5,249 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $146,000 | 5,248 |
| Net charge-offs | $7,000 | 5,969 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $146,000 | 5,093 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,091,000 | 5,371 |
| Total interest expense | $336,000 | 4,922 |
| Net interest income | $755,000 | 5,464 |
| Provision for loan and lease losses | $44,000 | 5,047 |
| Total noninterest income | $162,000 | 4,105 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $111,000 | 2,947 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $51,000 | 4,653 |
| Total noninterest expense | $776,000 | 5,015 |
| Salaries and employee benefits | $372,000 | 5,183 |
| Premises and equipment expense | $96,000 | 5,057 |
| Additional noninterest expense | $308,000 | 4,512 |
| Pre-tax net operating income | $97,000 | 5,086 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $32,000 | 3,122 |
| Income before extraordinary items | $65,000 | 5,468 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $65,000 | 5,470 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $65,000 | 5,469 |
| Net charge-offs | $6,000 | 5,069 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $65,000 | 5,362 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,433,000 | 5,462 |
| Total interest expense | $1,484,000 | 5,185 |
| Net interest income | $2,949,000 | 5,424 |
| Provision for loan and lease losses | $110,000 | 6,340 |
| Total noninterest income | $634,000 | 4,266 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $442,000 | 3,132 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $192,000 | 4,698 |
| Total noninterest expense | $2,822,000 | 5,353 |
| Salaries and employee benefits | $1,419,000 | 5,362 |
| Premises and equipment expense | $313,000 | 5,545 |
| Additional noninterest expense | $1,090,000 | 4,997 |
| Pre-tax net operating income | $651,000 | 3,657 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $211,000 | 2,338 |
| Income before extraordinary items | $440,000 | 4,048 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $440,000 | 4,047 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $440,000 | 4,047 |
| Net charge-offs | $108,000 | 5,625 |
| Cash dividends | $100,000 | 4,111 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $440,000 | 3,963 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,297,000 | 5,546 |
| Total interest expense | $1,120,000 | 5,295 |
| Net interest income | $2,177,000 | 5,485 |
| Provision for loan and lease losses | $80,000 | 6,212 |
| Total noninterest income | $468,000 | 4,358 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $331,000 | 3,143 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $137,000 | 4,928 |
| Total noninterest expense | $2,082,000 | 5,404 |
| Salaries and employee benefits | $1,043,000 | 5,445 |
| Premises and equipment expense | $244,000 | 5,524 |
| Additional noninterest expense | $795,000 | 5,076 |
| Pre-tax net operating income | $483,000 | 3,945 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $160,000 | 2,519 |
| Income before extraordinary items | $323,000 | 4,330 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $323,000 | 4,326 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $323,000 | 4,329 |
| Net charge-offs | $16,000 | 6,341 |
| Cash dividends | $100,000 | 3,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $323,000 | 4,266 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,198,000 | 5,600 |
| Total interest expense | $751,000 | 5,414 |
| Net interest income | $1,447,000 | 5,503 |
| Provision for loan and lease losses | $60,000 | 5,816 |
| Total noninterest income | $304,000 | 4,394 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $212,000 | 3,207 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $92,000 | 4,946 |
| Total noninterest expense | $1,325,000 | 5,587 |
| Salaries and employee benefits | $682,000 | 5,572 |
| Premises and equipment expense | $159,000 | 5,612 |
| Additional noninterest expense | $484,000 | 5,332 |
| Pre-tax net operating income | $366,000 | 3,839 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $122,000 | 2,465 |
| Income before extraordinary items | $244,000 | 4,287 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $244,000 | 4,286 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $244,000 | 4,286 |
| Net charge-offs | $9,000 | 6,044 |
| Cash dividends | $100,000 | 3,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $244,000 | 4,173 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,049,000 | 5,757 |
| Total interest expense | $379,000 | 5,497 |
| Net interest income | $670,000 | 5,700 |
| Provision for loan and lease losses | $30,000 | 5,394 |
| Total noninterest income | $136,000 | 4,626 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $96,000 | 3,335 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $40,000 | 5,204 |
| Total noninterest expense | $659,000 | 5,556 |
| Salaries and employee benefits | $342,000 | 5,604 |
| Premises and equipment expense | $79,000 | 5,681 |
| Additional noninterest expense | $238,000 | 5,087 |
| Pre-tax net operating income | $117,000 | 4,845 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $39,000 | 3,088 |
| Income before extraordinary items | $78,000 | 5,262 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $78,000 | 5,267 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $78,000 | 5,266 |
| Net charge-offs | $5,000 | 5,094 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $78,000 | 5,091 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,269,000 | 5,860 |
| Total interest expense | $1,442,000 | 6,057 |
| Net interest income | $2,827,000 | 5,576 |
| Provision for loan and lease losses | $75,000 | 6,271 |
| Total noninterest income | $555,000 | 4,627 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $390,000 | 3,508 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $165,000 | 5,151 |
| Total noninterest expense | $2,528,000 | 5,619 |
| Salaries and employee benefits | $1,273,000 | 5,808 |
| Premises and equipment expense | $341,000 | 5,489 |
| Additional noninterest expense | $914,000 | 5,100 |
| Pre-tax net operating income | $779,000 | 4,220 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $259,000 | 2,564 |
| Income before extraordinary items | $520,000 | 4,389 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $520,000 | 4,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,864 |
| Cash dividends | $200,000 | 4,486 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $520,000 | 4,549 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,166,000 | 5,956 |
| Total interest expense | $1,086,000 | 6,157 |
| Net interest income | $2,080,000 | 5,671 |
| Provision for loan and lease losses | $15,000 | 6,618 |
| Total noninterest income | $410,000 | 4,763 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $291,000 | 3,540 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $119,000 | 5,310 |
| Total noninterest expense | $1,903,000 | 5,610 |
| Salaries and employee benefits | $940,000 | 5,868 |
| Premises and equipment expense | $259,000 | 5,483 |
| Additional noninterest expense | $704,000 | 4,936 |
| Pre-tax net operating income | $572,000 | 4,725 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $190,000 | 2,966 |
| Income before extraordinary items | $382,000 | 4,859 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $382,000 | 4,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,625 |
| Cash dividends | $100,000 | 4,390 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $382,000 | 5,024 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,129,000 | 6,006 |
| Total interest expense | $741,000 | 6,242 |
| Net interest income | $1,388,000 | 5,692 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $295,000 | 4,664 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $190,000 | 3,582 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $105,000 | 4,974 |
| Total noninterest expense | $1,257,000 | 5,667 |
| Salaries and employee benefits | $615,000 | 5,979 |
| Premises and equipment expense | $180,000 | 5,427 |
| Additional noninterest expense | $462,000 | 4,980 |
| Pre-tax net operating income | $426,000 | 4,680 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $142,000 | 3,088 |
| Income before extraordinary items | $284,000 | 5,094 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $284,000 | 5,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,912 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $284,000 | 5,026 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,055,000 | 6,098 |
| Total interest expense | $405,000 | 6,230 |
| Net interest income | $650,000 | 5,893 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $147,000 | 4,659 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $90,000 | 3,657 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $57,000 | 4,793 |
| Total noninterest expense | $625,000 | 5,698 |
| Salaries and employee benefits | $296,000 | 6,126 |
| Premises and equipment expense | $84,000 | 5,611 |
| Additional noninterest expense | $245,000 | 4,756 |
| Pre-tax net operating income | $172,000 | 5,229 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $57,000 | 3,422 |
| Income before extraordinary items | $115,000 | 5,634 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $115,000 | 5,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,623 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $115,000 | 5,534 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,359,000 | 6,056 |
| Total interest expense | $1,772,000 | 6,088 |
| Net interest income | $2,587,000 | 5,887 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $626,000 | 4,554 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $395,000 | 3,542 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $231,000 | 4,763 |
| Total noninterest expense | $2,417,000 | 5,715 |
| Salaries and employee benefits | $1,230,000 | 5,908 |
| Premises and equipment expense | $321,000 | 5,622 |
| Additional noninterest expense | $866,000 | 5,073 |
| Pre-tax net operating income | $796,000 | 5,187 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $263,000 | 3,546 |
| Income before extraordinary items | $533,000 | 5,569 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $533,000 | 5,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,033 |
| Cash dividends | $99,000 | 5,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $533,000 | 5,557 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,250,000 | 6,100 |
| Total interest expense | $1,342,000 | 6,099 |
| Net interest income | $1,908,000 | 5,950 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $466,000 | 4,572 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $290,000 | 3,579 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $176,000 | 4,749 |
| Total noninterest expense | $1,780,000 | 5,732 |
| Salaries and employee benefits | $914,000 | 5,911 |
| Premises and equipment expense | $234,000 | 5,676 |
| Additional noninterest expense | $632,000 | 5,131 |
| Pre-tax net operating income | $594,000 | 5,459 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $197,000 | 3,735 |
| Income before extraordinary items | $397,000 | 5,847 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $397,000 | 5,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,741 |
| Cash dividends | $99,000 | 4,715 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $397,000 | 5,828 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,154,000 | 6,139 |
| Total interest expense | $891,000 | 6,131 |
| Net interest income | $1,263,000 | 6,021 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $297,000 | 4,690 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $183,000 | 3,690 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $114,000 | 4,859 |
| Total noninterest expense | $1,182,000 | 5,772 |
| Salaries and employee benefits | $609,000 | 5,965 |
| Premises and equipment expense | $154,000 | 5,739 |
| Additional noninterest expense | $419,000 | 5,132 |
| Pre-tax net operating income | $378,000 | 5,626 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $125,000 | 3,872 |
| Income before extraordinary items | $253,000 | 5,992 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $253,000 | 5,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 7,963 |
| Cash dividends | $74,000 | 4,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $253,000 | 5,979 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,059,000 | 6,179 |
| Total interest expense | $434,000 | 6,206 |
| Net interest income | $625,000 | 6,063 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $144,000 | 4,732 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $86,000 | 3,759 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $58,000 | 4,822 |
| Total noninterest expense | $594,000 | 5,779 |
| Salaries and employee benefits | $299,000 | 6,063 |
| Premises and equipment expense | $77,000 | 5,781 |
| Additional noninterest expense | $218,000 | 4,976 |
| Pre-tax net operating income | $175,000 | 5,770 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $59,000 | 3,933 |
| Income before extraordinary items | $116,000 | 6,142 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $116,000 | 6,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,092 |
| Cash dividends | $37,000 | 3,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $116,000 | 6,126 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,147,000 | 6,027 |
| Total interest expense | $1,498,000 | 6,116 |
| Net interest income | $2,649,000 | 5,859 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $646,000 | 4,545 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $433,000 | 3,369 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $213,000 | 5,003 |
| Total noninterest expense | $2,300,000 | 5,740 |
| Salaries and employee benefits | $1,179,000 | 5,967 |
| Premises and equipment expense | $313,000 | 5,636 |
| Additional noninterest expense | $808,000 | 5,196 |
| Pre-tax net operating income | $995,000 | 5,213 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $326,000 | 3,693 |
| Income before extraordinary items | $669,000 | 5,596 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $669,000 | 5,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,131 |
| Cash dividends | $348,000 | 4,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $669,000 | 5,580 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,086,000 | 6,058 |
| Total interest expense | $1,088,000 | 6,140 |
| Net interest income | $1,998,000 | 5,905 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $501,000 | 4,472 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $334,000 | 3,332 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $167,000 | 4,918 |
| Total noninterest expense | $1,744,000 | 5,697 |
| Salaries and employee benefits | $908,000 | 5,857 |
| Premises and equipment expense | $233,000 | 5,683 |
| Additional noninterest expense | $603,000 | 5,195 |
| Pre-tax net operating income | $755,000 | 5,345 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $246,000 | 3,868 |
| Income before extraordinary items | $509,000 | 5,723 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $509,000 | 5,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,263 |
| Cash dividends | $311,000 | 3,590 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $509,000 | 5,715 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,024,000 | 6,083 |
| Total interest expense | $699,000 | 6,140 |
| Net interest income | $1,325,000 | 5,956 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $334,000 | 4,464 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $217,000 | 3,369 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $117,000 | 4,796 |
| Total noninterest expense | $1,169,000 | 5,693 |
| Salaries and employee benefits | $614,000 | 5,833 |
| Premises and equipment expense | $156,000 | 5,678 |
| Additional noninterest expense | $399,000 | 5,217 |
| Pre-tax net operating income | $490,000 | 5,452 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $159,000 | 3,928 |
| Income before extraordinary items | $331,000 | 5,805 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $331,000 | 5,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $274,000 | 3,254 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $331,000 | 5,799 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $982,000 | 6,136 |
| Total interest expense | $335,000 | 6,138 |
| Net interest income | $647,000 | 6,045 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $160,000 | 4,504 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $99,000 | 3,496 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $61,000 | 4,716 |
| Total noninterest expense | $595,000 | 5,655 |
| Salaries and employee benefits | $317,000 | 5,770 |
| Premises and equipment expense | $79,000 | 5,661 |
| Additional noninterest expense | $199,000 | 5,188 |
| Pre-tax net operating income | $212,000 | 5,720 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $69,000 | 4,070 |
| Income before extraordinary items | $143,000 | 6,063 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $143,000 | 6,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $37,000 | 3,691 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $143,000 | 6,061 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,594,000 | 6,119 |
| Total interest expense | $1,045,000 | 6,176 |
| Net interest income | $2,549,000 | 5,992 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $664,000 | 4,529 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $372,000 | 3,719 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $292,000 | 4,393 |
| Total noninterest expense | $2,309,000 | 5,628 |
| Salaries and employee benefits | $1,218,000 | 5,749 |
| Premises and equipment expense | $316,000 | 5,584 |
| Additional noninterest expense | $775,000 | 5,275 |
| Pre-tax net operating income | $904,000 | 5,622 |
| Securities gains (losses) | $-10,000 | 7,535 |
| Applicable income taxes | $294,000 | 4,165 |
| Income before extraordinary items | $600,000 | 6,003 |
| Extraordinary gains, net | $27,000 | 33 |
| Net income | $627,000 | 5,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,259 |
| Cash dividends | $148,000 | 5,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $606,700 | 5,947 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,592,000 | 6,207 |
| Total interest expense | $733,000 | 6,239 |
| Net interest income | $1,859,000 | 6,095 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $497,000 | 4,556 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $275,000 | 3,757 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $222,000 | 4,378 |
| Total noninterest expense | $1,752,000 | 5,557 |
| Salaries and employee benefits | $917,000 | 5,706 |
| Premises and equipment expense | $242,000 | 5,536 |
| Additional noninterest expense | $593,000 | 5,159 |
| Pre-tax net operating income | $604,000 | 5,993 |
| Securities gains (losses) | $-10,000 | 7,915 |
| Applicable income taxes | $195,000 | 4,452 |
| Income before extraordinary items | $399,000 | 6,386 |
| Extraordinary gains, net | $27,000 | 24 |
| Net income | $426,000 | 6,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,724 |
| Cash dividends | $111,000 | 4,608 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $405,700 | 6,303 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,659,000 | 6,273 |
| Total interest expense | $463,000 | 6,236 |
| Net interest income | $1,196,000 | 6,193 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $325,000 | 4,579 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $170,000 | 3,858 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $155,000 | 4,242 |
| Total noninterest expense | $1,152,000 | 5,604 |
| Salaries and employee benefits | $605,000 | 5,720 |
| Premises and equipment expense | $161,000 | 5,506 |
| Additional noninterest expense | $386,000 | 5,204 |
| Pre-tax net operating income | $369,000 | 6,174 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $121,000 | 4,557 |
| Income before extraordinary items | $248,000 | 6,530 |
| Extraordinary gains, net | $27,000 | 20 |
| Net income | $275,000 | 6,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,682 |
| Cash dividends | $74,000 | 4,539 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $248,000 | 6,479 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $786,000 | 6,430 |
| Total interest expense | $222,000 | 6,271 |
| Net interest income | $564,000 | 6,389 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $139,000 | 4,902 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $76,000 | 4,047 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $63,000 | 4,679 |
| Total noninterest expense | $567,000 | 5,681 |
| Salaries and employee benefits | $300,000 | 5,779 |
| Premises and equipment expense | $78,000 | 5,638 |
| Additional noninterest expense | $189,000 | 5,293 |
| Pre-tax net operating income | $136,000 | 6,741 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $44,000 | 4,929 |
| Income before extraordinary items | $92,000 | 7,028 |
| Extraordinary gains, net | $27,000 | 15 |
| Net income | $119,000 | 6,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,060 |
| Cash dividends | $37,000 | 3,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $92,000 | 6,998 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,043,000 | 6,378 |
| Total interest expense | $791,000 | 6,295 |
| Net interest income | $2,252,000 | 6,309 |
| Provision for loan and lease losses | $20,000 | 6,718 |
| Total noninterest income | $796,000 | 4,062 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $360,000 | 3,871 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $436,000 | 3,554 |
| Total noninterest expense | $2,249,000 | 5,629 |
| Salaries and employee benefits | $1,121,000 | 5,920 |
| Premises and equipment expense | $307,000 | 5,616 |
| Additional noninterest expense | $821,000 | 5,001 |
| Pre-tax net operating income | $779,000 | 5,855 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $255,000 | 4,440 |
| Income before extraordinary items | $524,000 | 6,271 |
| Extraordinary gains, net | $37,000 | 21 |
| Net income | $561,000 | 6,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,719 |
| Cash dividends | $148,000 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $524,000 | 6,196 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,252,000 | 6,425 |
| Total interest expense | $584,000 | 6,316 |
| Net interest income | $1,668,000 | 6,343 |
| Provision for loan and lease losses | $20,000 | 6,311 |
| Total noninterest income | $502,000 | 4,546 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $269,000 | 3,921 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $233,000 | 4,201 |
| Total noninterest expense | $1,668,000 | 5,640 |
| Salaries and employee benefits | $823,000 | 5,923 |
| Premises and equipment expense | $219,000 | 5,719 |
| Additional noninterest expense | $626,000 | 4,910 |
| Pre-tax net operating income | $482,000 | 6,399 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $156,000 | 4,794 |
| Income before extraordinary items | $326,000 | 6,750 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $326,000 | 6,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 3,301 |
| Cash dividends | $111,000 | 4,552 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $326,000 | 6,674 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,502,000 | 6,459 |
| Total interest expense | $390,000 | 6,350 |
| Net interest income | $1,112,000 | 6,367 |
| Provision for loan and lease losses | $20,000 | 5,844 |
| Total noninterest income | $352,000 | 4,411 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $183,000 | 3,867 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $169,000 | 4,080 |
| Total noninterest expense | $1,118,000 | 5,658 |
| Salaries and employee benefits | $542,000 | 6,011 |
| Premises and equipment expense | $145,000 | 5,764 |
| Additional noninterest expense | $431,000 | 4,814 |
| Pre-tax net operating income | $326,000 | 6,331 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $106,000 | 4,763 |
| Income before extraordinary items | $220,000 | 6,717 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $220,000 | 6,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,267 |
| Cash dividends | $74,000 | 4,454 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $220,000 | 6,627 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $738,000 | 6,537 |
| Total interest expense | $196,000 | 6,403 |
| Net interest income | $542,000 | 6,468 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $169,000 | 4,476 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $92,000 | 3,771 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $77,000 | 4,245 |
| Total noninterest expense | $540,000 | 5,794 |
| Salaries and employee benefits | $259,000 | 6,213 |
| Premises and equipment expense | $73,000 | 5,767 |
| Additional noninterest expense | $208,000 | 4,925 |
| Pre-tax net operating income | $156,000 | 6,359 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $50,000 | 4,842 |
| Income before extraordinary items | $106,000 | 6,771 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $106,000 | 6,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,590 |
| Cash dividends | $37,000 | 3,510 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $106,000 | 6,655 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,200,000 | 6,326 |
| Total interest expense | $1,086,000 | 5,874 |
| Net interest income | $2,114,000 | 6,410 |
| Provision for loan and lease losses | $25,000 | 6,896 |
| Total noninterest income | $653,000 | 4,739 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $338,000 | 4,036 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $315,000 | 4,409 |
| Total noninterest expense | $2,107,000 | 5,811 |
| Salaries and employee benefits | $1,069,000 | 6,030 |
| Premises and equipment expense | $300,000 | 5,661 |
| Additional noninterest expense | $738,000 | 5,327 |
| Pre-tax net operating income | $635,000 | 6,220 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $205,000 | 4,894 |
| Income before extraordinary items | $430,000 | 6,662 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $430,000 | 6,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 3,256 |
| Cash dividends | $138,000 | 5,318 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $430,000 | 6,503 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,444,000 | 6,322 |
| Total interest expense | $860,000 | 5,862 |
| Net interest income | $1,584,000 | 6,458 |
| Provision for loan and lease losses | $10,000 | 7,100 |
| Total noninterest income | $498,000 | 4,753 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $243,000 | 4,151 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $255,000 | 4,344 |
| Total noninterest expense | $1,590,000 | 5,781 |
| Salaries and employee benefits | $807,000 | 5,987 |
| Premises and equipment expense | $229,000 | 5,589 |
| Additional noninterest expense | $554,000 | 5,296 |
| Pre-tax net operating income | $482,000 | 6,363 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $155,000 | 5,047 |
| Income before extraordinary items | $327,000 | 6,787 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $327,000 | 6,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 2,652 |
| Cash dividends | $111,000 | 4,624 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $327,000 | 6,615 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,648,000 | 6,336 |
| Total interest expense | $600,000 | 5,840 |
| Net interest income | $1,048,000 | 6,491 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $331,000 | 4,734 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $157,000 | 4,177 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $174,000 | 4,295 |
| Total noninterest expense | $1,063,000 | 5,778 |
| Salaries and employee benefits | $541,000 | 5,976 |
| Premises and equipment expense | $149,000 | 5,669 |
| Additional noninterest expense | $373,000 | 5,252 |
| Pre-tax net operating income | $316,000 | 6,403 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $100,000 | 5,131 |
| Income before extraordinary items | $216,000 | 6,827 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $216,000 | 6,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,965 |
| Cash dividends | $74,000 | 4,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $216,000 | 6,625 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $821,000 | 6,378 |
| Total interest expense | $313,000 | 5,808 |
| Net interest income | $508,000 | 6,602 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $180,000 | 4,416 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $80,000 | 4,080 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $100,000 | 3,931 |
| Total noninterest expense | $547,000 | 5,661 |
| Salaries and employee benefits | $281,000 | 5,836 |
| Premises and equipment expense | $77,000 | 5,564 |
| Additional noninterest expense | $189,000 | 5,173 |
| Pre-tax net operating income | $141,000 | 6,585 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $44,000 | 5,276 |
| Income before extraordinary items | $97,000 | 6,961 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $97,000 | 6,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,062 |
| Cash dividends | $37,000 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $97,000 | 6,803 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,886,000 | 6,000 |
| Total interest expense | $1,579,000 | 5,563 |
| Net interest income | $2,307,000 | 6,171 |
| Provision for loan and lease losses | $586,000 | 2,117 |
| Total noninterest income | $610,000 | 4,680 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $377,000 | 3,676 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $233,000 | 4,727 |
| Total noninterest expense | $2,074,000 | 5,759 |
| Salaries and employee benefits | $1,015,000 | 6,089 |
| Premises and equipment expense | $296,000 | 5,632 |
| Additional noninterest expense | $763,000 | 5,100 |
| Pre-tax net operating income | $257,000 | 7,718 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $78,000 | 6,185 |
| Income before extraordinary items | $179,000 | 7,950 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $179,000 | 7,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,433 |
| Cash dividends | $164,000 | 5,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $179,000 | 7,835 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,277,000 | 6,121 |
| Total interest expense | $2,094,000 | 5,953 |
| Net interest income | $2,183,000 | 6,152 |
| Provision for loan and lease losses | $84,000 | 5,921 |
| Total noninterest income | $534,000 | 4,890 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $357,000 | 3,708 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $177,000 | 5,198 |
| Total noninterest expense | $1,887,000 | 5,957 |
| Salaries and employee benefits | $947,000 | 6,182 |
| Premises and equipment expense | $283,000 | 5,716 |
| Additional noninterest expense | $657,000 | 5,506 |
| Pre-tax net operating income | $746,000 | 5,662 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $243,000 | 4,657 |
| Income before extraordinary items | $503,000 | 6,058 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $503,000 | 6,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,555 |
| Cash dividends | $54,000 | 6,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $503,000 | 5,944 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,880,000 | 6,581 |
| Total interest expense | $1,899,000 | 6,420 |
| Net interest income | $1,981,000 | 6,586 |
| Provision for loan and lease losses | $66,000 | 6,080 |
| Total noninterest income | $327,000 | 6,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $296,000 | 4,098 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 8,503 |
| Total noninterest expense | $1,708,000 | 6,257 |
| Salaries and employee benefits | $830,000 | 6,591 |
| Premises and equipment expense | $265,000 | 5,842 |
| Additional noninterest expense | $613,000 | 5,698 |
| Pre-tax net operating income | $534,000 | 6,848 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $170,000 | 5,712 |
| Income before extraordinary items | $364,000 | 7,076 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $364,000 | 7,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,537 |
| Cash dividends | $78,000 | 6,152 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $364,000 | 7,066 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,137,000 | 7,215 |
| Total interest expense | $1,584,000 | 6,766 |
| Net interest income | $1,553,000 | 7,485 |
| Provision for loan and lease losses | $48,000 | 6,602 |
| Total noninterest income | $280,000 | 6,628 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $229,000 | 4,748 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 8,031 |
| Total noninterest expense | $1,554,000 | 6,646 |
| Salaries and employee benefits | $738,000 | 7,032 |
| Premises and equipment expense | $224,000 | 6,435 |
| Additional noninterest expense | $592,000 | 5,880 |
| Pre-tax net operating income | $231,000 | 8,428 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $59,000 | 7,514 |
| Income before extraordinary items | $172,000 | 8,491 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $172,000 | 8,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,737 |
| Cash dividends | $68,000 | 6,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $172,000 | 8,455 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,967,000 | 7,571 |
| Total interest expense | $1,553,000 | 7,084 |
| Net interest income | $1,414,000 | 7,871 |
| Provision for loan and lease losses | $42,000 | 6,869 |
| Total noninterest income | $345,000 | 6,052 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $169,000 | 5,620 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $176,000 | 5,282 |
| Total noninterest expense | $1,260,000 | 7,377 |
| Salaries and employee benefits | $611,000 | 7,693 |
| Premises and equipment expense | $177,000 | 7,107 |
| Additional noninterest expense | $472,000 | 6,636 |
| Pre-tax net operating income | $457,000 | 7,598 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $146,000 | 6,899 |
| Income before extraordinary items | $311,000 | 7,792 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $311,000 | 7,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,871 |
| Cash dividends | $25,000 | 7,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $311,000 | 7,709 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,920,000 | 7,862 |
| Total interest expense | $1,622,000 | 7,072 |
| Net interest income | $1,298,000 | 8,475 |
| Provision for loan and lease losses | $49,000 | 6,723 |
| Total noninterest income | $285,000 | 6,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $123,000 | 6,696 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $162,000 | 5,496 |
| Total noninterest expense | $1,159,000 | 7,818 |
| Salaries and employee benefits | $535,000 | 8,361 |
| Premises and equipment expense | $172,000 | 7,344 |
| Additional noninterest expense | $452,000 | 6,902 |
| Pre-tax net operating income | $375,000 | 8,579 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $120,000 | 8,093 |
| Income before extraordinary items | $255,000 | 8,708 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $255,000 | 8,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,223 |
| Cash dividends | $107,000 | 6,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $255,000 | 8,666 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,785,000 | 8,299 |
| Total interest expense | $1,647,000 | 7,219 |
| Net interest income | $1,138,000 | 9,183 |
| Provision for loan and lease losses | $30,000 | 7,397 |
| Total noninterest income | $266,000 | 7,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 6,881 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 6,227 |
| Total noninterest expense | $1,110,000 | 8,297 |
| Salaries and employee benefits | $505,000 | 8,849 |
| Premises and equipment expense | $189,000 | 7,240 |
| Additional noninterest expense | $416,000 | 7,754 |
| Pre-tax net operating income | $264,000 | 9,376 |
| Securities gains (losses) | $-7,000 | 10,114 |
| Applicable income taxes | $73,000 | 9,284 |
| Income before extraordinary items | $184,000 | 9,454 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $184,000 | 9,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,500 |
| Cash dividends | $67,000 | 7,264 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $189,040 | 9,345 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,955,000 | 9,791 |
| Total interest expense | $1,006,000 | 9,233 |
| Net interest income | $949,000 | 10,085 |
| Provision for loan and lease losses | $14,000 | 8,034 |
| Total noninterest income | $185,000 | 8,675 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $115,000 | 7,426 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 8,356 |
| Total noninterest expense | $840,000 | 9,599 |
| Salaries and employee benefits | $388,000 | 10,034 |
| Premises and equipment expense | $124,000 | 8,943 |
| Additional noninterest expense | $328,000 | 8,943 |
| Pre-tax net operating income | $280,000 | 9,902 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $90,000 | 9,389 |
| Income before extraordinary items | $192,000 | 10,019 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $192,000 | 10,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 10,798 |
| Cash dividends | $36,000 | 8,073 |
| Sale, conversion, retirement of capital stock, net | $800,000 | 319 |
| Net operating income | $190,640 | 10,009 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,595,000 | 10,540 |
| Total interest expense | $662,000 | 10,296 |
| Net interest income | $933,000 | 10,624 |
| Provision for loan and lease losses | $24,000 | 7,499 |
| Total noninterest income | $113,000 | 10,449 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 8,012 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 12,083 |
| Total noninterest expense | $658,000 | 10,874 |
| Salaries and employee benefits | $293,000 | 11,269 |
| Premises and equipment expense | $108,000 | 9,773 |
| Additional noninterest expense | $257,000 | 10,442 |
| Pre-tax net operating income | $364,000 | 9,634 |
| Securities gains (losses) | $-14,000 | 10,078 |
| Applicable income taxes | $105,000 | 9,245 |
| Income before extraordinary items | $245,000 | 9,752 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $245,000 | 9,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,805 |
| Cash dividends | $70,000 | 7,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $254,800 | 9,715 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,533,000 | 11,164 |
| Total interest expense | $653,000 | 10,856 |
| Net interest income | $880,000 | 11,236 |
| Provision for loan and lease losses | $24,000 | 8,778 |
| Total noninterest income | $104,000 | 11,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $92,000 | 8,627 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 12,609 |
| Total noninterest expense | $639,000 | 11,444 |
| Salaries and employee benefits | $304,000 | 11,604 |
| Premises and equipment expense | $98,000 | 10,504 |
| Additional noninterest expense | $237,000 | 11,233 |
| Pre-tax net operating income | $321,000 | 10,066 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $91,000 | 9,959 |
| Income before extraordinary items | $230,000 | 10,269 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $230,000 | 10,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 8,132 |
| Cash dividends | $91,000 | 7,109 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $230,000 | 10,025 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,576,000 | 11,791 |
| Total interest expense | $735,000 | 11,651 |
| Net interest income | $841,000 | 11,749 |
| Provision for loan and lease losses | $21,000 | 10,525 |
| Total noninterest income | $103,000 | 11,644 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 8,794 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 13,214 |
| Total noninterest expense | $603,000 | 12,048 |
| Salaries and employee benefits | $280,000 | 12,244 |
| Premises and equipment expense | $83,000 | 11,388 |
| Additional noninterest expense | $240,000 | 11,675 |
| Pre-tax net operating income | $320,000 | 9,947 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $99,000 | 9,950 |
| Income before extraordinary items | $221,000 | 10,307 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $221,000 | 10,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 11,020 |
| Cash dividends | $62,000 | 7,386 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $221,000 | 9,962 |
* 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.