Home > Farmers Savings Bank > Income and Expense
Farmers Savings Bank, Income and Expense
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $1,641,000 | 6,383 |
| Total interest expense | $442,000 | 5,349 |
| Net interest income | $1,199,000 | 6,533 |
| Provision for loan and lease losses | $51,000 | 5,174 |
| Total noninterest income | $160,000 | 5,908 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $96,000 | 5,500 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $64,000 | 5,695 |
| Total noninterest expense | $1,229,000 | 6,376 |
| Salaries and employee benefits | $578,000 | 6,504 |
| Premises and equipment expense | $132,000 | 6,280 |
| Additional noninterest expense | $519,000 | 6,021 |
| Pre-tax net operating income | $79,000 | 5,961 |
| Securities gains (losses) | $54,000 | 2,682 |
| Applicable income taxes | $9,000 | 4,412 |
| Income before extraordinary items | $124,000 | 5,990 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $124,000 | 5,986 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $124,000 | 5,989 |
| Net charge-offs | $47,000 | 4,961 |
| Cash dividends | $1,769,000 | 1,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $73,780 | 5,972 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $1,208,000 | 6,513 |
| Total interest expense | $340,000 | 5,438 |
| Net interest income | $868,000 | 6,665 |
| Provision for loan and lease losses | $10,000 | 5,570 |
| Total noninterest income | $201,000 | 5,413 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $80,000 | 5,412 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $121,000 | 4,885 |
| Total noninterest expense | $902,000 | 6,463 |
| Salaries and employee benefits | $403,000 | 6,636 |
| Premises and equipment expense | $86,000 | 6,483 |
| Additional noninterest expense | $413,000 | 6,002 |
| Pre-tax net operating income | $157,000 | 5,832 |
| Securities gains (losses) | $54,000 | 2,397 |
| Applicable income taxes | $10,000 | 4,386 |
| Income before extraordinary items | $201,000 | 5,723 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $201,000 | 5,722 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $201,000 | 5,722 |
| Net charge-offs | $-42,000 | 6,893 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $149,700 | 5,783 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $801,000 | 6,567 |
| Total interest expense | $233,000 | 5,484 |
| Net interest income | $568,000 | 6,737 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $120,000 | 5,584 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $55,000 | 5,378 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $65,000 | 5,194 |
| Total noninterest expense | $588,000 | 6,536 |
| Salaries and employee benefits | $260,000 | 6,728 |
| Premises and equipment expense | $56,000 | 6,544 |
| Additional noninterest expense | $272,000 | 6,059 |
| Pre-tax net operating income | $100,000 | 5,870 |
| Securities gains (losses) | $31,000 | 2,315 |
| Applicable income taxes | $6,000 | 4,385 |
| Income before extraordinary items | $125,000 | 5,789 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $125,000 | 5,788 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $125,000 | 5,788 |
| Net charge-offs | $-40,000 | 6,940 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $95,550 | 5,820 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $395,000 | 6,641 |
| Total interest expense | $117,000 | 5,581 |
| Net interest income | $278,000 | 6,807 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $64,000 | 5,561 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $29,000 | 5,280 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $35,000 | 5,179 |
| Total noninterest expense | $292,000 | 6,601 |
| Salaries and employee benefits | $135,000 | 6,739 |
| Premises and equipment expense | $28,000 | 6,571 |
| Additional noninterest expense | $129,000 | 6,173 |
| Pre-tax net operating income | $50,000 | 5,926 |
| Securities gains (losses) | $31,000 | 1,432 |
| Applicable income taxes | $1,000 | 4,577 |
| Income before extraordinary items | $80,000 | 5,612 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $80,000 | 5,612 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $80,000 | 5,612 |
| Net charge-offs | $-81,000 | 7,151 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $49,310 | 5,849 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,852,000 | 6,543 |
| Total interest expense | $503,000 | 5,837 |
| Net interest income | $1,349,000 | 6,641 |
| Provision for loan and lease losses | $-35,000 | 7,233 |
| Total noninterest income | $153,000 | 6,031 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $131,000 | 5,112 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $22,000 | 6,333 |
| Total noninterest expense | $1,390,000 | 6,433 |
| Salaries and employee benefits | $694,000 | 6,490 |
| Premises and equipment expense | $129,000 | 6,585 |
| Additional noninterest expense | $567,000 | 6,080 |
| Pre-tax net operating income | $147,000 | 5,615 |
| Securities gains (losses) | $1,000 | 3,733 |
| Applicable income taxes | $7,000 | 4,380 |
| Income before extraordinary items | $141,000 | 5,741 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $141,000 | 5,744 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $141,000 | 5,744 |
| Net charge-offs | $17,000 | 5,954 |
| Cash dividends | $85,000 | 3,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $140,050 | 5,617 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,431,000 | 6,577 |
| Total interest expense | $383,000 | 5,923 |
| Net interest income | $1,048,000 | 6,664 |
| Provision for loan and lease losses | $-35,000 | 7,315 |
| Total noninterest income | $118,000 | 6,114 |
| Gross Fiduciary activities income | $1,000 | 1,199 |
| Service charges on deposit accounts | $96,000 | 5,183 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $21,000 | 6,374 |
| Total noninterest expense | $1,126,000 | 6,348 |
| Salaries and employee benefits | $547,000 | 6,437 |
| Premises and equipment expense | $119,000 | 6,382 |
| Additional noninterest expense | $460,000 | 5,990 |
| Pre-tax net operating income | $75,000 | 5,910 |
| Securities gains (losses) | $-1,000 | 6,834 |
| Applicable income taxes | $2,000 | 4,555 |
| Income before extraordinary items | $72,000 | 6,003 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $72,000 | 6,004 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $72,000 | 6,004 |
| Net charge-offs | $-2,000 | 6,766 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $72,970 | 5,891 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $973,000 | 6,609 |
| Total interest expense | $258,000 | 6,025 |
| Net interest income | $715,000 | 6,694 |
| Provision for loan and lease losses | $-35,000 | 7,394 |
| Total noninterest income | $60,000 | 6,416 |
| Gross Fiduciary activities income | $1,000 | 1,171 |
| Service charges on deposit accounts | $62,000 | 5,219 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-3,000 | 6,991 |
| Total noninterest expense | $807,000 | 6,290 |
| Salaries and employee benefits | $393,000 | 6,377 |
| Premises and equipment expense | $71,000 | 6,570 |
| Additional noninterest expense | $343,000 | 5,855 |
| Pre-tax net operating income | $3,000 | 6,174 |
| Securities gains (losses) | $3,000 | 2,636 |
| Applicable income taxes | $1,000 | 4,573 |
| Income before extraordinary items | $5,000 | 6,283 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $5,000 | 6,283 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $5,000 | 6,283 |
| Net charge-offs | $-2,000 | 6,677 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $2,510 | 6,214 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $492,000 | 6,634 |
| Total interest expense | $134,000 | 6,047 |
| Net interest income | $358,000 | 6,724 |
| Provision for loan and lease losses | $115,000 | 3,204 |
| Total noninterest income | $-7,000 | 7,331 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $36,000 | 4,928 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-43,000 | 7,284 |
| Total noninterest expense | $390,000 | 6,395 |
| Salaries and employee benefits | $158,000 | 6,746 |
| Premises and equipment expense | $36,000 | 6,602 |
| Additional noninterest expense | $196,000 | 5,594 |
| Pre-tax net operating income | $-154,000 | 6,770 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $1,000 | 4,403 |
| Income before extraordinary items | $-155,000 | 6,819 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-155,000 | 6,819 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-155,000 | 6,819 |
| Net charge-offs | $63,000 | 3,167 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-155,000 | 6,812 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,100,000 | 6,661 |
| Total interest expense | $611,000 | 6,213 |
| Net interest income | $1,489,000 | 6,725 |
| Provision for loan and lease losses | $330,000 | 4,718 |
| Total noninterest income | $153,000 | 6,269 |
| Gross Fiduciary activities income | $1,000 | 1,307 |
| Service charges on deposit accounts | $135,000 | 5,086 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $17,000 | 6,653 |
| Total noninterest expense | $1,471,000 | 6,556 |
| Salaries and employee benefits | $731,000 | 6,613 |
| Premises and equipment expense | $140,000 | 6,715 |
| Additional noninterest expense | $600,000 | 6,212 |
| Pre-tax net operating income | $-159,000 | 5,992 |
| Securities gains (losses) | $57,000 | 2,569 |
| Applicable income taxes | $-3,000 | 6,510 |
| Income before extraordinary items | $-99,000 | 6,074 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-99,000 | 6,072 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-99,000 | 6,074 |
| Net charge-offs | $423,000 | 3,872 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-154,290 | 6,057 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,602,000 | 6,742 |
| Total interest expense | $469,000 | 6,325 |
| Net interest income | $1,133,000 | 6,798 |
| Provision for loan and lease losses | $330,000 | 4,186 |
| Total noninterest income | $111,000 | 6,422 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $98,000 | 5,207 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $13,000 | 6,828 |
| Total noninterest expense | $1,093,000 | 6,625 |
| Salaries and employee benefits | $546,000 | 6,664 |
| Premises and equipment expense | $103,000 | 6,809 |
| Additional noninterest expense | $444,000 | 6,281 |
| Pre-tax net operating income | $-179,000 | 6,267 |
| Securities gains (losses) | $56,000 | 2,341 |
| Applicable income taxes | $2,000 | 4,515 |
| Income before extraordinary items | $-125,000 | 6,338 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-125,000 | 6,339 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-125,000 | 6,338 |
| Net charge-offs | $409,000 | 3,325 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-181,000 | 6,327 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,104,000 | 6,738 |
| Total interest expense | $317,000 | 6,387 |
| Net interest income | $787,000 | 6,782 |
| Provision for loan and lease losses | $290,000 | 3,699 |
| Total noninterest income | $51,000 | 6,840 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $64,000 | 5,249 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-13,000 | 7,355 |
| Total noninterest expense | $717,000 | 6,692 |
| Salaries and employee benefits | $357,000 | 6,741 |
| Premises and equipment expense | $67,000 | 6,886 |
| Additional noninterest expense | $293,000 | 6,321 |
| Pre-tax net operating income | $-169,000 | 6,389 |
| Securities gains (losses) | $8,000 | 2,663 |
| Applicable income taxes | $2,000 | 4,454 |
| Income before extraordinary items | $-163,000 | 6,520 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-163,000 | 6,522 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-163,000 | 6,520 |
| Net charge-offs | $366,000 | 2,819 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-171,000 | 6,472 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $573,000 | 6,745 |
| Total interest expense | $159,000 | 6,505 |
| Net interest income | $414,000 | 6,764 |
| Provision for loan and lease losses | $24,000 | 5,644 |
| Total noninterest income | $27,000 | 6,857 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $30,000 | 5,359 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-3,000 | 7,524 |
| Total noninterest expense | $351,000 | 6,820 |
| Salaries and employee benefits | $198,000 | 6,637 |
| Premises and equipment expense | $34,000 | 6,958 |
| Additional noninterest expense | $119,000 | 6,741 |
| Pre-tax net operating income | $66,000 | 5,472 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $6,000 | 4,021 |
| Income before extraordinary items | $60,000 | 5,539 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $60,000 | 5,541 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $60,000 | 5,540 |
| Net charge-offs | $-5,000 | 7,295 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $60,000 | 5,442 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,353,000 | 6,794 |
| Total interest expense | $823,000 | 6,413 |
| Net interest income | $1,530,000 | 6,869 |
| Provision for loan and lease losses | $379,000 | 4,940 |
| Total noninterest income | $216,000 | 6,122 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $167,000 | 4,961 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $49,000 | 6,389 |
| Total noninterest expense | $1,468,000 | 6,841 |
| Salaries and employee benefits | $757,000 | 6,809 |
| Premises and equipment expense | $155,000 | 6,885 |
| Additional noninterest expense | $556,000 | 6,601 |
| Pre-tax net operating income | $-101,000 | 5,589 |
| Securities gains (losses) | $6,000 | 3,400 |
| Applicable income taxes | $-2,000 | 6,165 |
| Income before extraordinary items | $-93,000 | 5,694 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-93,000 | 5,693 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-93,000 | 5,693 |
| Net charge-offs | $527,000 | 3,717 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-98,880 | 5,676 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,755,000 | 6,892 |
| Total interest expense | $644,000 | 6,472 |
| Net interest income | $1,111,000 | 6,975 |
| Provision for loan and lease losses | $358,000 | 4,344 |
| Total noninterest income | $179,000 | 6,081 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $129,000 | 4,942 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $50,000 | 6,216 |
| Total noninterest expense | $1,063,000 | 6,928 |
| Salaries and employee benefits | $561,000 | 6,856 |
| Premises and equipment expense | $124,000 | 6,838 |
| Additional noninterest expense | $378,000 | 6,793 |
| Pre-tax net operating income | $-131,000 | 5,929 |
| Securities gains (losses) | $2,000 | 3,313 |
| Applicable income taxes | $8,000 | 4,112 |
| Income before extraordinary items | $-137,000 | 6,030 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-137,000 | 6,031 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-137,000 | 6,030 |
| Net charge-offs | $527,000 | 2,969 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-139,000 | 6,007 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,143,000 | 6,997 |
| Total interest expense | $435,000 | 6,563 |
| Net interest income | $708,000 | 7,080 |
| Provision for loan and lease losses | $84,000 | 5,546 |
| Total noninterest income | $141,000 | 5,829 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $88,000 | 4,899 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $53,000 | 5,767 |
| Total noninterest expense | $692,000 | 7,025 |
| Salaries and employee benefits | $375,000 | 6,940 |
| Premises and equipment expense | $85,000 | 6,854 |
| Additional noninterest expense | $232,000 | 6,975 |
| Pre-tax net operating income | $73,000 | 5,389 |
| Securities gains (losses) | $1,000 | 3,011 |
| Applicable income taxes | $8,000 | 4,086 |
| Income before extraordinary items | $66,000 | 5,459 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $66,000 | 5,455 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $66,000 | 5,455 |
| Net charge-offs | $110,000 | 4,143 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $65,110 | 5,379 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $548,000 | 7,117 |
| Total interest expense | $218,000 | 6,656 |
| Net interest income | $330,000 | 7,214 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $73,000 | 5,747 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $45,000 | 4,805 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $28,000 | 5,720 |
| Total noninterest expense | $347,000 | 7,019 |
| Salaries and employee benefits | $190,000 | 6,955 |
| Premises and equipment expense | $44,000 | 6,837 |
| Additional noninterest expense | $113,000 | 6,890 |
| Pre-tax net operating income | $56,000 | 5,545 |
| Securities gains (losses) | $1,000 | 2,304 |
| Applicable income taxes | $3,000 | 4,463 |
| Income before extraordinary items | $54,000 | 5,617 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $54,000 | 5,620 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $54,000 | 5,620 |
| Net charge-offs | $63,000 | 3,324 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $53,050 | 5,462 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,424,000 | 7,053 |
| Total interest expense | $1,098,000 | 6,617 |
| Net interest income | $1,326,000 | 7,219 |
| Provision for loan and lease losses | $122,000 | 5,790 |
| Total noninterest income | $300,000 | 5,818 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $169,000 | 5,091 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $131,000 | 5,530 |
| Total noninterest expense | $1,352,000 | 7,080 |
| Salaries and employee benefits | $758,000 | 7,013 |
| Premises and equipment expense | $173,000 | 6,927 |
| Additional noninterest expense | $421,000 | 6,955 |
| Pre-tax net operating income | $152,000 | 5,877 |
| Securities gains (losses) | $37,000 | 1,803 |
| Applicable income taxes | $13,000 | 4,449 |
| Income before extraordinary items | $176,000 | 5,580 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $176,000 | 5,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 4,848 |
| Cash dividends | $75,000 | 5,113 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $141,590 | 5,864 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,858,000 | 7,081 |
| Total interest expense | $861,000 | 6,642 |
| Net interest income | $997,000 | 7,268 |
| Provision for loan and lease losses | $85,000 | 5,386 |
| Total noninterest income | $220,000 | 5,924 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $131,000 | 5,081 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $89,000 | 5,802 |
| Total noninterest expense | $986,000 | 7,135 |
| Salaries and employee benefits | $567,000 | 7,022 |
| Premises and equipment expense | $139,000 | 6,846 |
| Additional noninterest expense | $280,000 | 7,152 |
| Pre-tax net operating income | $146,000 | 6,235 |
| Securities gains (losses) | $37,000 | 1,627 |
| Applicable income taxes | $10,000 | 4,863 |
| Income before extraordinary items | $173,000 | 5,836 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $173,000 | 5,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,837 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $137,850 | 6,157 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,189,000 | 7,220 |
| Total interest expense | $604,000 | 6,669 |
| Net interest income | $585,000 | 7,500 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $161,000 | 5,852 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $93,000 | 4,964 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $68,000 | 5,681 |
| Total noninterest expense | $651,000 | 7,204 |
| Salaries and employee benefits | $375,000 | 7,090 |
| Premises and equipment expense | $88,000 | 6,959 |
| Additional noninterest expense | $188,000 | 7,165 |
| Pre-tax net operating income | $95,000 | 6,429 |
| Securities gains (losses) | $37,000 | 1,654 |
| Applicable income taxes | $7,000 | 5,127 |
| Income before extraordinary items | $125,000 | 6,167 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $125,000 | 6,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,328 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $89,850 | 6,372 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $628,000 | 7,212 |
| Total interest expense | $315,000 | 6,751 |
| Net interest income | $313,000 | 7,436 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $73,000 | 6,039 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $44,000 | 5,057 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $29,000 | 5,952 |
| Total noninterest expense | $345,000 | 7,123 |
| Salaries and employee benefits | $200,000 | 7,001 |
| Premises and equipment expense | $46,000 | 6,918 |
| Additional noninterest expense | $99,000 | 7,081 |
| Pre-tax net operating income | $41,000 | 6,714 |
| Securities gains (losses) | $28,000 | 1,404 |
| Applicable income taxes | $3,000 | 5,279 |
| Income before extraordinary items | $66,000 | 6,327 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $66,000 | 6,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 2,966 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $39,120 | 6,637 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,657,000 | 7,085 |
| Total interest expense | $1,358,000 | 6,631 |
| Net interest income | $1,299,000 | 7,377 |
| Provision for loan and lease losses | $-100,000 | 8,371 |
| Total noninterest income | $337,000 | 5,819 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $175,000 | 5,156 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $162,000 | 5,445 |
| Total noninterest expense | $1,417,000 | 7,037 |
| Salaries and employee benefits | $805,000 | 6,961 |
| Premises and equipment expense | $167,000 | 7,075 |
| Additional noninterest expense | $445,000 | 6,851 |
| Pre-tax net operating income | $319,000 | 6,539 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $9,000 | 5,664 |
| Income before extraordinary items | $310,000 | 6,392 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $310,000 | 6,391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,963 |
| Cash dividends | $53,000 | 5,573 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $310,000 | 6,372 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,997,000 | 7,117 |
| Total interest expense | $1,023,000 | 6,648 |
| Net interest income | $974,000 | 7,431 |
| Provision for loan and lease losses | $-100,000 | 8,418 |
| Total noninterest income | $256,000 | 5,862 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $132,000 | 5,168 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $124,000 | 5,418 |
| Total noninterest expense | $1,039,000 | 7,079 |
| Salaries and employee benefits | $593,000 | 6,974 |
| Premises and equipment expense | $121,000 | 7,111 |
| Additional noninterest expense | $325,000 | 6,879 |
| Pre-tax net operating income | $291,000 | 6,599 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $12,000 | 5,670 |
| Income before extraordinary items | $279,000 | 6,422 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $279,000 | 6,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 3,489 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $279,000 | 6,412 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,374,000 | 7,087 |
| Total interest expense | $681,000 | 6,675 |
| Net interest income | $693,000 | 7,370 |
| Provision for loan and lease losses | $-100,000 | 8,472 |
| Total noninterest income | $171,000 | 5,890 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $89,000 | 5,167 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $82,000 | 5,477 |
| Total noninterest expense | $688,000 | 7,129 |
| Salaries and employee benefits | $391,000 | 7,051 |
| Premises and equipment expense | $76,000 | 7,244 |
| Additional noninterest expense | $221,000 | 6,884 |
| Pre-tax net operating income | $276,000 | 6,184 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $9,000 | 5,709 |
| Income before extraordinary items | $267,000 | 5,896 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $267,000 | 5,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $267,000 | 5,882 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $677,000 | 7,149 |
| Total interest expense | $333,000 | 6,746 |
| Net interest income | $344,000 | 7,422 |
| Provision for loan and lease losses | $-100,000 | 8,543 |
| Total noninterest income | $84,000 | 5,880 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $42,000 | 5,203 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $42,000 | 5,429 |
| Total noninterest expense | $350,000 | 7,138 |
| Salaries and employee benefits | $191,000 | 7,152 |
| Premises and equipment expense | $57,000 | 6,519 |
| Additional noninterest expense | $102,000 | 7,049 |
| Pre-tax net operating income | $178,000 | 5,741 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $4,000 | 5,783 |
| Income before extraordinary items | $174,000 | 5,358 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $174,000 | 5,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $174,000 | 5,340 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,572,000 | 7,086 |
| Total interest expense | $1,217,000 | 6,562 |
| Net interest income | $1,355,000 | 7,368 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $503,000 | 5,125 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $148,000 | 5,553 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $355,000 | 3,971 |
| Total noninterest expense | $1,579,000 | 6,764 |
| Salaries and employee benefits | $757,000 | 7,097 |
| Premises and equipment expense | $182,000 | 6,902 |
| Additional noninterest expense | $640,000 | 5,878 |
| Pre-tax net operating income | $279,000 | 7,170 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $14,000 | 6,054 |
| Income before extraordinary items | $265,000 | 7,044 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $265,000 | 7,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,145 |
| Cash dividends | $40,000 | 5,748 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $265,000 | 7,039 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,909,000 | 7,146 |
| Total interest expense | $902,000 | 6,553 |
| Net interest income | $1,007,000 | 7,459 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $285,000 | 5,745 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $110,000 | 5,632 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $175,000 | 4,816 |
| Total noninterest expense | $1,054,000 | 7,048 |
| Salaries and employee benefits | $567,000 | 7,088 |
| Premises and equipment expense | $122,000 | 7,130 |
| Additional noninterest expense | $365,000 | 6,592 |
| Pre-tax net operating income | $238,000 | 7,265 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $12,000 | 6,158 |
| Income before extraordinary items | $226,000 | 7,077 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $226,000 | 7,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,083 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $226,000 | 7,079 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,258,000 | 7,177 |
| Total interest expense | $572,000 | 6,594 |
| Net interest income | $686,000 | 7,461 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $200,000 | 5,640 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $70,000 | 5,718 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $130,000 | 4,581 |
| Total noninterest expense | $714,000 | 7,058 |
| Salaries and employee benefits | $375,000 | 7,138 |
| Premises and equipment expense | $96,000 | 6,851 |
| Additional noninterest expense | $243,000 | 6,640 |
| Pre-tax net operating income | $172,000 | 7,252 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $8,000 | 6,196 |
| Income before extraordinary items | $164,000 | 7,045 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $164,000 | 7,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $164,000 | 7,059 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $602,000 | 7,254 |
| Total interest expense | $277,000 | 6,568 |
| Net interest income | $325,000 | 7,581 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $83,000 | 5,997 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $30,000 | 5,914 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $53,000 | 5,003 |
| Total noninterest expense | $340,000 | 7,171 |
| Salaries and employee benefits | $187,000 | 7,168 |
| Premises and equipment expense | $37,000 | 7,336 |
| Additional noninterest expense | $116,000 | 6,720 |
| Pre-tax net operating income | $68,000 | 7,462 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $3,000 | 6,254 |
| Income before extraordinary items | $65,000 | 7,277 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $65,000 | 7,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $65,000 | 7,280 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,316,000 | 7,159 |
| Total interest expense | $931,000 | 6,458 |
| Net interest income | $1,385,000 | 7,444 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $361,000 | 5,943 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $157,000 | 5,540 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $204,000 | 5,120 |
| Total noninterest expense | $1,466,000 | 6,943 |
| Salaries and employee benefits | $788,000 | 6,974 |
| Premises and equipment expense | $109,000 | 7,762 |
| Additional noninterest expense | $569,000 | 6,217 |
| Pre-tax net operating income | $280,000 | 7,466 |
| Securities gains (losses) | $-11,000 | 7,567 |
| Applicable income taxes | $11,000 | 6,510 |
| Income before extraordinary items | $258,000 | 7,350 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $258,000 | 7,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 3,813 |
| Cash dividends | $42,000 | 5,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $268,560 | 7,292 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,712,000 | 7,193 |
| Total interest expense | $684,000 | 6,419 |
| Net interest income | $1,028,000 | 7,497 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $279,000 | 5,923 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $113,000 | 5,640 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $166,000 | 5,002 |
| Total noninterest expense | $1,089,000 | 6,969 |
| Salaries and employee benefits | $580,000 | 7,002 |
| Premises and equipment expense | $74,000 | 7,894 |
| Additional noninterest expense | $435,000 | 6,120 |
| Pre-tax net operating income | $218,000 | 7,563 |
| Securities gains (losses) | $-11,000 | 7,939 |
| Applicable income taxes | $10,000 | 6,526 |
| Income before extraordinary items | $197,000 | 7,463 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $197,000 | 7,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 2,996 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $207,450 | 7,372 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,125,000 | 7,207 |
| Total interest expense | $435,000 | 6,403 |
| Net interest income | $690,000 | 7,499 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $181,000 | 5,963 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $66,000 | 5,832 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $115,000 | 4,902 |
| Total noninterest expense | $690,000 | 7,095 |
| Salaries and employee benefits | $389,000 | 6,996 |
| Premises and equipment expense | $49,000 | 7,887 |
| Additional noninterest expense | $252,000 | 6,506 |
| Pre-tax net operating income | $181,000 | 7,329 |
| Securities gains (losses) | $-3,000 | 7,812 |
| Applicable income taxes | $9,000 | 6,449 |
| Income before extraordinary items | $169,000 | 7,182 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $169,000 | 7,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,029 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $171,850 | 7,120 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $547,000 | 7,305 |
| Total interest expense | $211,000 | 6,398 |
| Net interest income | $336,000 | 7,610 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $92,000 | 5,872 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $31,000 | 5,927 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $61,000 | 4,744 |
| Total noninterest expense | $340,000 | 7,169 |
| Salaries and employee benefits | $193,000 | 7,071 |
| Premises and equipment expense | $26,000 | 7,883 |
| Additional noninterest expense | $121,000 | 6,644 |
| Pre-tax net operating income | $88,000 | 7,398 |
| Securities gains (losses) | $-3,000 | 8,297 |
| Applicable income taxes | $4,000 | 6,466 |
| Income before extraordinary items | $81,000 | 7,216 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $81,000 | 7,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $83,850 | 7,140 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,182,000 | 7,189 |
| Total interest expense | $908,000 | 5,922 |
| Net interest income | $1,274,000 | 7,646 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $387,000 | 5,871 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $147,000 | 5,822 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $240,000 | 4,720 |
| Total noninterest expense | $1,219,000 | 7,408 |
| Salaries and employee benefits | $705,000 | 7,255 |
| Premises and equipment expense | $64,000 | 8,432 |
| Additional noninterest expense | $450,000 | 6,838 |
| Pre-tax net operating income | $442,000 | 6,896 |
| Securities gains (losses) | $-14,000 | 8,305 |
| Applicable income taxes | $21,000 | 6,525 |
| Income before extraordinary items | $407,000 | 6,733 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $407,000 | 6,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,855 |
| Cash dividends | $66,000 | 5,724 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $420,300 | 6,615 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,640,000 | 7,209 |
| Total interest expense | $694,000 | 5,854 |
| Net interest income | $946,000 | 7,696 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $306,000 | 5,766 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $114,000 | 5,801 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $192,000 | 4,583 |
| Total noninterest expense | $861,000 | 7,509 |
| Salaries and employee benefits | $480,000 | 7,448 |
| Premises and equipment expense | $46,000 | 8,464 |
| Additional noninterest expense | $335,000 | 6,829 |
| Pre-tax net operating income | $391,000 | 6,784 |
| Securities gains (losses) | $-2,000 | 8,174 |
| Applicable income taxes | $26,000 | 6,375 |
| Income before extraordinary items | $363,000 | 6,536 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $363,000 | 6,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,103 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $364,860 | 6,455 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,090,000 | 7,265 |
| Total interest expense | $472,000 | 5,817 |
| Net interest income | $618,000 | 7,759 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $197,000 | 5,855 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $63,000 | 6,159 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $134,000 | 4,528 |
| Total noninterest expense | $569,000 | 7,574 |
| Salaries and employee benefits | $305,000 | 7,629 |
| Premises and equipment expense | $30,000 | 8,532 |
| Additional noninterest expense | $234,000 | 6,731 |
| Pre-tax net operating income | $246,000 | 6,850 |
| Securities gains (losses) | $-4,000 | 8,544 |
| Applicable income taxes | $19,000 | 6,311 |
| Income before extraordinary items | $223,000 | 6,683 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $223,000 | 6,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $226,680 | 6,577 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $527,000 | 7,373 |
| Total interest expense | $238,000 | 5,835 |
| Net interest income | $289,000 | 7,911 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $116,000 | 5,420 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $33,000 | 6,033 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $83,000 | 4,094 |
| Total noninterest expense | $288,000 | 7,594 |
| Salaries and employee benefits | $144,000 | 7,786 |
| Premises and equipment expense | $16,000 | 8,479 |
| Additional noninterest expense | $128,000 | 6,476 |
| Pre-tax net operating income | $117,000 | 6,895 |
| Securities gains (losses) | $-5,000 | 8,841 |
| Applicable income taxes | $7,000 | 6,445 |
| Income before extraordinary items | $105,000 | 6,792 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $105,000 | 6,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $109,700 | 6,598 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,002,000 | 7,536 |
| Total interest expense | $1,067,000 | 5,935 |
| Net interest income | $935,000 | 8,204 |
| Provision for loan and lease losses | $-206,000 | 9,085 |
| Total noninterest income | $309,000 | 6,532 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $146,000 | 5,917 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $163,000 | 5,670 |
| Total noninterest expense | $1,301,000 | 7,263 |
| Salaries and employee benefits | $646,000 | 7,513 |
| Premises and equipment expense | $73,000 | 8,445 |
| Additional noninterest expense | $582,000 | 6,089 |
| Pre-tax net operating income | $149,000 | 8,006 |
| Securities gains (losses) | $34,000 | 2,826 |
| Applicable income taxes | $9,000 | 7,067 |
| Income before extraordinary items | $174,000 | 7,894 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $174,000 | 7,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-149,000 | 9,082 |
| Cash dividends | $2,000 | 6,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $141,700 | 7,926 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,469,000 | 7,682 |
| Total interest expense | $821,000 | 5,994 |
| Net interest income | $648,000 | 8,390 |
| Provision for loan and lease losses | $-206,000 | 9,165 |
| Total noninterest income | $211,000 | 6,757 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $107,000 | 5,992 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $104,000 | 6,001 |
| Total noninterest expense | $1,024,000 | 7,143 |
| Salaries and employee benefits | $467,000 | 7,568 |
| Premises and equipment expense | $59,000 | 8,402 |
| Additional noninterest expense | $498,000 | 5,656 |
| Pre-tax net operating income | $41,000 | 8,490 |
| Securities gains (losses) | $41,000 | 2,488 |
| Applicable income taxes | $3,000 | 7,331 |
| Income before extraordinary items | $79,000 | 8,360 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $79,000 | 8,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-136,000 | 9,131 |
| Cash dividends | $2,000 | 5,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $39,640 | 8,466 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $996,000 | 7,700 |
| Total interest expense | $559,000 | 6,053 |
| Net interest income | $437,000 | 8,404 |
| Provision for loan and lease losses | $15,000 | 6,544 |
| Total noninterest income | $120,000 | 7,061 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $72,000 | 5,973 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $48,000 | 6,645 |
| Total noninterest expense | $760,000 | 6,869 |
| Salaries and employee benefits | $311,000 | 7,590 |
| Premises and equipment expense | $42,000 | 8,327 |
| Additional noninterest expense | $407,000 | 4,940 |
| Pre-tax net operating income | $-218,000 | 8,936 |
| Securities gains (losses) | $33,000 | 2,302 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-185,000 | 8,995 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-185,000 | 8,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-136,000 | 9,166 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-218,000 | 8,943 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $504,000 | 7,725 |
| Total interest expense | $284,000 | 6,116 |
| Net interest income | $220,000 | 8,438 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $71,000 | 6,688 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $32,000 | 6,144 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $39,000 | 5,739 |
| Total noninterest expense | $457,000 | 6,297 |
| Salaries and employee benefits | $156,000 | 7,615 |
| Premises and equipment expense | $24,000 | 8,165 |
| Additional noninterest expense | $277,000 | 3,893 |
| Pre-tax net operating income | $-181,000 | 9,068 |
| Securities gains (losses) | $30,000 | 1,696 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-151,000 | 9,098 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-151,000 | 9,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-136,000 | 9,247 |
| Cash dividends | $2,000 | 3,916 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-181,000 | 9,059 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,677,000 | 7,183 |
| Total interest expense | $1,359,000 | 6,051 |
| Net interest income | $1,318,000 | 7,740 |
| Provision for loan and lease losses | $805,000 | 1,618 |
| Total noninterest income | $297,000 | 6,474 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $143,000 | 5,918 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $154,000 | 5,539 |
| Total noninterest expense | $1,285,000 | 7,284 |
| Salaries and employee benefits | $650,000 | 7,503 |
| Premises and equipment expense | $111,000 | 8,018 |
| Additional noninterest expense | $524,000 | 6,369 |
| Pre-tax net operating income | $-475,000 | 8,967 |
| Securities gains (losses) | $277,000 | 949 |
| Applicable income taxes | $-8,000 | 8,846 |
| Income before extraordinary items | $-190,000 | 8,902 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-190,000 | 8,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $989,000 | 980 |
| Cash dividends | $40,000 | 6,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-455,920 | 8,983 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,237,000 | 6,993 |
| Total interest expense | $1,884,000 | 6,290 |
| Net interest income | $1,353,000 | 7,592 |
| Provision for loan and lease losses | $135,000 | 4,984 |
| Total noninterest income | $405,000 | 5,648 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $201,000 | 5,155 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $204,000 | 4,883 |
| Total noninterest expense | $1,258,000 | 7,307 |
| Salaries and employee benefits | $775,000 | 6,889 |
| Premises and equipment expense | $93,000 | 8,406 |
| Additional noninterest expense | $390,000 | 7,226 |
| Pre-tax net operating income | $365,000 | 7,135 |
| Securities gains (losses) | $61,000 | 2,176 |
| Applicable income taxes | $24,000 | 7,209 |
| Income before extraordinary items | $402,000 | 6,561 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $402,000 | 6,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,195 |
| Cash dividends | $209,000 | 4,944 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $344,660 | 6,750 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,672,000 | 6,767 |
| Total interest expense | $2,182,000 | 5,999 |
| Net interest income | $1,490,000 | 7,486 |
| Provision for loan and lease losses | $416,000 | 2,208 |
| Total noninterest income | $302,000 | 6,282 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $205,000 | 5,029 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 6,509 |
| Total noninterest expense | $1,203,000 | 7,491 |
| Salaries and employee benefits | $656,000 | 7,400 |
| Premises and equipment expense | $80,000 | 8,783 |
| Additional noninterest expense | $467,000 | 6,657 |
| Pre-tax net operating income | $173,000 | 8,484 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $10,000 | 8,067 |
| Income before extraordinary items | $163,000 | 8,329 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $163,000 | 8,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,647 |
| Cash dividends | $151,000 | 5,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $163,000 | 8,332 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,114,000 | 7,238 |
| Total interest expense | $1,755,000 | 6,452 |
| Net interest income | $1,359,000 | 7,853 |
| Provision for loan and lease losses | $200,000 | 3,546 |
| Total noninterest income | $220,000 | 7,252 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $148,000 | 5,881 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 7,365 |
| Total noninterest expense | $1,044,000 | 7,996 |
| Salaries and employee benefits | $564,000 | 7,945 |
| Premises and equipment expense | $142,000 | 7,811 |
| Additional noninterest expense | $338,000 | 7,808 |
| Pre-tax net operating income | $335,000 | 7,898 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $14,000 | 8,380 |
| Income before extraordinary items | $321,000 | 7,469 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $321,000 | 7,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,514 |
| Cash dividends | $188,000 | 5,342 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $321,000 | 7,440 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,190,000 | 7,298 |
| Total interest expense | $1,720,000 | 6,727 |
| Net interest income | $1,470,000 | 7,754 |
| Provision for loan and lease losses | $330,000 | 2,400 |
| Total noninterest income | $210,000 | 7,463 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 6,528 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 6,799 |
| Total noninterest expense | $978,000 | 8,179 |
| Salaries and employee benefits | $576,000 | 7,890 |
| Premises and equipment expense | $131,000 | 8,043 |
| Additional noninterest expense | $271,000 | 8,393 |
| Pre-tax net operating income | $372,000 | 8,023 |
| Securities gains (losses) | $12,000 | 2,822 |
| Applicable income taxes | $23,000 | 8,827 |
| Income before extraordinary items | $361,000 | 7,475 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $361,000 | 7,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $246,000 | 2,128 |
| Cash dividends | $214,000 | 5,248 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $349,720 | 7,455 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,008,000 | 7,746 |
| Total interest expense | $1,533,000 | 7,268 |
| Net interest income | $1,475,000 | 8,038 |
| Provision for loan and lease losses | $65,000 | 6,037 |
| Total noninterest income | $243,000 | 7,298 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $104,000 | 7,108 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $139,000 | 5,896 |
| Total noninterest expense | $921,000 | 8,602 |
| Salaries and employee benefits | $561,000 | 8,182 |
| Premises and equipment expense | $94,000 | 9,100 |
| Additional noninterest expense | $266,000 | 8,670 |
| Pre-tax net operating income | $732,000 | 6,854 |
| Securities gains (losses) | $6,000 | 2,665 |
| Applicable income taxes | $96,000 | 8,464 |
| Income before extraordinary items | $642,000 | 6,154 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $642,000 | 6,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,367 |
| Cash dividends | $320,000 | 4,410 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $636,780 | 6,135 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,506,000 | 8,687 |
| Total interest expense | $1,338,000 | 7,990 |
| Net interest income | $1,168,000 | 9,103 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $203,000 | 8,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 7,151 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,512 |
| Total noninterest expense | $817,000 | 9,370 |
| Salaries and employee benefits | $504,000 | 8,863 |
| Premises and equipment expense | $101,000 | 9,258 |
| Additional noninterest expense | $212,000 | 9,797 |
| Pre-tax net operating income | $554,000 | 7,669 |
| Securities gains (losses) | $-15,000 | 10,479 |
| Applicable income taxes | $162,000 | 7,700 |
| Income before extraordinary items | $377,000 | 7,811 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $377,000 | 7,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,597 |
| Cash dividends | $187,000 | 5,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $387,500 | 7,678 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,197,000 | 9,418 |
| Total interest expense | $1,093,000 | 8,922 |
| Net interest income | $1,104,000 | 9,616 |
| Provision for loan and lease losses | $15,000 | 7,935 |
| Total noninterest income | $328,000 | 6,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 8,002 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $237,000 | 4,638 |
| Total noninterest expense | $774,000 | 9,890 |
| Salaries and employee benefits | $488,000 | 9,220 |
| Premises and equipment expense | $73,000 | 10,394 |
| Additional noninterest expense | $213,000 | 10,266 |
| Pre-tax net operating income | $643,000 | 7,633 |
| Securities gains (losses) | $-9,000 | 10,045 |
| Applicable income taxes | $206,000 | 7,316 |
| Income before extraordinary items | $428,000 | 7,820 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $428,000 | 7,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 11,045 |
| Cash dividends | $22,000 | 8,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $434,120 | 7,744 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,722,000 | 10,318 |
| Total interest expense | $717,000 | 10,009 |
| Net interest income | $1,005,000 | 10,372 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $141,000 | 9,885 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $101,000 | 8,062 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 10,157 |
| Total noninterest expense | $796,000 | 10,265 |
| Salaries and employee benefits | $453,000 | 9,805 |
| Premises and equipment expense | $66,000 | 11,093 |
| Additional noninterest expense | $277,000 | 10,219 |
| Pre-tax net operating income | $350,000 | 9,733 |
| Securities gains (losses) | $-11,000 | 9,904 |
| Applicable income taxes | $98,000 | 9,409 |
| Income before extraordinary items | $241,000 | 9,795 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $241,000 | 9,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 10,929 |
| Cash dividends | $45,000 | 8,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $248,810 | 9,785 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,497,000 | 11,248 |
| Total interest expense | $620,000 | 11,025 |
| Net interest income | $877,000 | 11,248 |
| Provision for loan and lease losses | $10,000 | 9,731 |
| Total noninterest income | $128,000 | 10,666 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $105,000 | 8,238 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 11,812 |
| Total noninterest expense | $728,000 | 11,027 |
| Salaries and employee benefits | $452,000 | 10,127 |
| Premises and equipment expense | $71,000 | 11,459 |
| Additional noninterest expense | $205,000 | 11,659 |
| Pre-tax net operating income | $267,000 | 10,490 |
| Securities gains (losses) | $27,000 | 4,244 |
| Applicable income taxes | $65,000 | 10,597 |
| Income before extraordinary items | $229,000 | 10,283 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $229,000 | 10,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 7,153 |
| Cash dividends | $45,000 | 8,091 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $207,940 | 10,332 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,598,000 | 11,739 |
| Total interest expense | $715,000 | 11,734 |
| Net interest income | $883,000 | 11,580 |
| Provision for loan and lease losses | $44,000 | 9,347 |
| Total noninterest income | $119,000 | 11,221 |
| 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 | $28,000 | 11,929 |
| Total noninterest expense | $722,000 | 11,401 |
| Salaries and employee benefits | $412,000 | 10,718 |
| Premises and equipment expense | $74,000 | 11,720 |
| Additional noninterest expense | $236,000 | 11,725 |
| Pre-tax net operating income | $236,000 | 10,742 |
| Securities gains (losses) | $49,000 | 4,164 |
| Applicable income taxes | $101,000 | 9,893 |
| Income before extraordinary items | $184,000 | 10,824 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $184,000 | 10,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 9,510 |
| Cash dividends | $45,000 | 7,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $152,150 | 10,907 |
* 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.