Home > First Bank of Delaware > Income and Expense
First Bank of Delaware, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $5,010,000 | 3,629 |
| Total interest expense | $1,030,000 | 2,999 |
| Net interest income | $3,980,000 | 3,724 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $227,000 | 5,259 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $15,000 | 6,750 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $212,000 | 4,165 |
| Total noninterest expense | $12,337,000 | 1,227 |
| Salaries and employee benefits | $2,869,000 | 2,569 |
| Premises and equipment expense | $818,000 | 2,126 |
| Additional noninterest expense | $8,650,000 | 622 |
| Pre-tax net operating income | $-8,130,000 | 7,136 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $-1,279,000 | 7,105 |
| Income before extraordinary items | $-6,851,000 | 7,125 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-6,851,000 | 7,126 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-6,851,000 | 7,125 |
| Net charge-offs | $0 | 5,771 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $-152,000 | 7,131 |
| Net operating income | $-6,851,000 | 7,117 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,490,000 | 3,538 |
| Total interest expense | $747,000 | 2,915 |
| Net interest income | $2,743,000 | 3,660 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $211,000 | 4,799 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $12,000 | 6,742 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $199,000 | 3,676 |
| Total noninterest expense | $8,740,000 | 1,140 |
| Salaries and employee benefits | $2,258,000 | 2,206 |
| Premises and equipment expense | $547,000 | 2,114 |
| Additional noninterest expense | $5,935,000 | 602 |
| Pre-tax net operating income | $-5,786,000 | 7,195 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $-1,279,000 | 7,181 |
| Income before extraordinary items | $-4,507,000 | 7,180 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-4,507,000 | 7,180 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-4,507,000 | 7,180 |
| Net charge-offs | $0 | 5,507 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 453 |
| Net operating income | $-4,507,000 | 7,178 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,814,000 | 3,476 |
| Total interest expense | $391,000 | 2,904 |
| Net interest income | $1,423,000 | 3,588 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $188,000 | 3,773 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $9,000 | 6,588 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $179,000 | 2,813 |
| Total noninterest expense | $3,271,000 | 1,497 |
| Salaries and employee benefits | $980,000 | 2,521 |
| Premises and equipment expense | $283,000 | 2,074 |
| Additional noninterest expense | $2,008,000 | 842 |
| Pre-tax net operating income | $-1,660,000 | 7,221 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $-617,000 | 7,257 |
| Income before extraordinary items | $-1,043,000 | 7,175 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,043,000 | 7,175 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-1,043,000 | 7,175 |
| Net charge-offs | $0 | 4,730 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 713 |
| Net operating income | $-1,043,000 | 7,165 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $10,375,000 | 2,680 |
| Total interest expense | $1,247,000 | 3,869 |
| Net interest income | $9,128,000 | 2,395 |
| Provision for loan and lease losses | $670,000 | 3,010 |
| Total noninterest income | $8,872,000 | 682 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $42,000 | 6,457 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $8,830,000 | 478 |
| Total noninterest expense | $14,801,000 | 1,322 |
| Salaries and employee benefits | $4,802,000 | 2,019 |
| Premises and equipment expense | $1,361,000 | 1,827 |
| Additional noninterest expense | $8,638,000 | 830 |
| Pre-tax net operating income | $2,529,000 | 2,113 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $955,000 | 1,383 |
| Income before extraordinary items | $1,574,000 | 2,679 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,574,000 | 2,680 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,574,000 | 2,680 |
| Net charge-offs | $4,136,000 | 933 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 841 |
| Net operating income | $1,574,000 | 2,598 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $8,324,000 | 2,540 |
| Total interest expense | $895,000 | 4,109 |
| Net interest income | $7,429,000 | 2,224 |
| Provision for loan and lease losses | $670,000 | 2,506 |
| Total noninterest income | $8,397,000 | 569 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $35,000 | 6,419 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $8,362,000 | 400 |
| Total noninterest expense | $9,681,000 | 1,512 |
| Salaries and employee benefits | $3,916,000 | 1,879 |
| Premises and equipment expense | $810,000 | 2,273 |
| Additional noninterest expense | $4,955,000 | 1,060 |
| Pre-tax net operating income | $5,475,000 | 847 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $2,051,000 | 607 |
| Income before extraordinary items | $3,424,000 | 1,117 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,424,000 | 1,117 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $3,424,000 | 1,117 |
| Net charge-offs | $4,070,000 | 740 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 849 |
| Net operating income | $3,424,000 | 1,068 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,309,000 | 2,254 |
| Total interest expense | $656,000 | 3,971 |
| Net interest income | $5,653,000 | 1,947 |
| Provision for loan and lease losses | $670,000 | 1,946 |
| Total noninterest income | $7,167,000 | 474 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $24,000 | 6,404 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,143,000 | 338 |
| Total noninterest expense | $7,247,000 | 1,370 |
| Salaries and employee benefits | $3,421,000 | 1,458 |
| Premises and equipment expense | $538,000 | 2,296 |
| Additional noninterest expense | $3,288,000 | 1,086 |
| Pre-tax net operating income | $4,903,000 | 646 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $1,837,000 | 492 |
| Income before extraordinary items | $3,066,000 | 811 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,066,000 | 810 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $3,066,000 | 811 |
| Net charge-offs | $4,070,000 | 552 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 641 |
| Net operating income | $3,066,000 | 784 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $4,270,000 | 1,707 |
| Total interest expense | $346,000 | 3,948 |
| Net interest income | $3,924,000 | 1,420 |
| Provision for loan and lease losses | $610,000 | 1,237 |
| Total noninterest income | $4,069,000 | 431 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $13,000 | 6,312 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $4,056,000 | 312 |
| Total noninterest expense | $4,097,000 | 1,221 |
| Salaries and employee benefits | $1,938,000 | 1,297 |
| Premises and equipment expense | $301,000 | 2,131 |
| Additional noninterest expense | $1,858,000 | 963 |
| Pre-tax net operating income | $3,286,000 | 507 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $1,230,000 | 397 |
| Income before extraordinary items | $2,056,000 | 641 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $2,056,000 | 639 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,056,000 | 641 |
| Net charge-offs | $4,070,000 | 321 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 508 |
| Net operating income | $2,056,000 | 620 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $17,909,000 | 1,689 |
| Total interest expense | $1,279,000 | 4,653 |
| Net interest income | $16,630,000 | 1,344 |
| Provision for loan and lease losses | $5,500,000 | 1,064 |
| Total noninterest income | $8,197,000 | 735 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $73,000 | 5,867 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $8,124,000 | 529 |
| Total noninterest expense | $13,809,000 | 1,436 |
| Salaries and employee benefits | $7,151,000 | 1,372 |
| Premises and equipment expense | $1,166,000 | 2,162 |
| Additional noninterest expense | $5,492,000 | 1,328 |
| Pre-tax net operating income | $5,518,000 | 934 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $2,075,000 | 728 |
| Income before extraordinary items | $3,443,000 | 1,237 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,443,000 | 1,239 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $3,443,000 | 1,240 |
| Net charge-offs | $3,332,000 | 1,375 |
| Cash dividends | $571,000 | 2,194 |
| Sale, conversion, retirement of capital stock, net | $86,000 | 820 |
| Net operating income | $3,443,000 | 1,193 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $12,385,000 | 1,874 |
| Total interest expense | $969,000 | 4,779 |
| Net interest income | $11,416,000 | 1,494 |
| Provision for loan and lease losses | $4,000,000 | 1,041 |
| Total noninterest income | $5,166,000 | 822 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $51,000 | 6,028 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $5,115,000 | 566 |
| Total noninterest expense | $9,652,000 | 1,531 |
| Salaries and employee benefits | $5,118,000 | 1,448 |
| Premises and equipment expense | $852,000 | 2,258 |
| Additional noninterest expense | $3,682,000 | 1,443 |
| Pre-tax net operating income | $2,930,000 | 1,356 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $1,102,000 | 938 |
| Income before extraordinary items | $1,828,000 | 1,801 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,828,000 | 1,802 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,828,000 | 1,803 |
| Net charge-offs | $2,501,000 | 1,303 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $66,000 | 768 |
| Net operating income | $1,828,000 | 1,708 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,442,000 | 2,093 |
| Total interest expense | $639,000 | 4,910 |
| Net interest income | $6,803,000 | 1,660 |
| Provision for loan and lease losses | $1,925,000 | 1,311 |
| Total noninterest income | $2,730,000 | 962 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $29,000 | 6,223 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $2,701,000 | 640 |
| Total noninterest expense | $6,326,000 | 1,564 |
| Salaries and employee benefits | $3,642,000 | 1,357 |
| Premises and equipment expense | $574,000 | 2,250 |
| Additional noninterest expense | $2,110,000 | 1,671 |
| Pre-tax net operating income | $1,282,000 | 1,947 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $484,000 | 1,249 |
| Income before extraordinary items | $798,000 | 2,507 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $798,000 | 2,503 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $798,000 | 2,506 |
| Net charge-offs | $1,404,000 | 1,426 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 709 |
| Net operating income | $798,000 | 2,415 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,618,000 | 2,215 |
| Total interest expense | $296,000 | 5,227 |
| Net interest income | $3,322,000 | 1,709 |
| Provision for loan and lease losses | $825,000 | 1,328 |
| Total noninterest income | $1,237,000 | 1,027 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $14,000 | 6,285 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,223,000 | 679 |
| Total noninterest expense | $3,187,000 | 1,575 |
| Salaries and employee benefits | $1,878,000 | 1,336 |
| Premises and equipment expense | $294,000 | 2,239 |
| Additional noninterest expense | $1,015,000 | 1,726 |
| Pre-tax net operating income | $547,000 | 2,255 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $208,000 | 1,387 |
| Income before extraordinary items | $339,000 | 2,892 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $339,000 | 2,888 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $339,000 | 2,892 |
| Net charge-offs | $745,000 | 1,268 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 643 |
| Net operating income | $339,000 | 2,775 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $10,425,000 | 3,131 |
| Total interest expense | $891,000 | 6,266 |
| Net interest income | $9,534,000 | 2,292 |
| Provision for loan and lease losses | $4,374,000 | 1,568 |
| Total noninterest income | $9,593,000 | 665 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $20,000 | 6,892 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $9,573,000 | 461 |
| Total noninterest expense | $12,391,000 | 1,646 |
| Salaries and employee benefits | $7,400,000 | 1,355 |
| Premises and equipment expense | $1,087,000 | 2,406 |
| Additional noninterest expense | $3,904,000 | 1,883 |
| Pre-tax net operating income | $2,362,000 | 1,658 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $864,000 | 1,070 |
| Income before extraordinary items | $1,498,000 | 2,121 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,498,000 | 2,119 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,498,000 | 2,121 |
| Net charge-offs | $3,797,000 | 1,387 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $470,000 | 558 |
| Net operating income | $1,498,000 | 2,089 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,303,000 | 3,345 |
| Total interest expense | $643,000 | 6,477 |
| Net interest income | $6,660,000 | 2,447 |
| Provision for loan and lease losses | $3,400,000 | 1,364 |
| Total noninterest income | $7,519,000 | 651 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $14,000 | 6,959 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $7,505,000 | 448 |
| Total noninterest expense | $8,931,000 | 1,695 |
| Salaries and employee benefits | $5,526,000 | 1,380 |
| Premises and equipment expense | $804,000 | 2,462 |
| Additional noninterest expense | $2,601,000 | 2,029 |
| Pre-tax net operating income | $1,848,000 | 1,745 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $664,000 | 1,133 |
| Income before extraordinary items | $1,184,000 | 2,198 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,184,000 | 2,195 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,184,000 | 2,198 |
| Net charge-offs | $2,412,000 | 1,352 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $467,000 | 449 |
| Net operating income | $1,184,000 | 2,148 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,715,000 | 3,455 |
| Total interest expense | $410,000 | 6,678 |
| Net interest income | $4,305,000 | 2,502 |
| Provision for loan and lease losses | $2,275,000 | 1,301 |
| Total noninterest income | $5,168,000 | 642 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $10,000 | 6,998 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $5,158,000 | 448 |
| Total noninterest expense | $6,095,000 | 1,692 |
| Salaries and employee benefits | $3,803,000 | 1,363 |
| Premises and equipment expense | $554,000 | 2,422 |
| Additional noninterest expense | $1,738,000 | 2,042 |
| Pre-tax net operating income | $1,103,000 | 1,952 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $402,000 | 1,262 |
| Income before extraordinary items | $701,000 | 2,489 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $701,000 | 2,486 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $701,000 | 2,488 |
| Net charge-offs | $1,976,000 | 1,136 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $444,000 | 360 |
| Net operating income | $701,000 | 2,409 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,372,000 | 3,476 |
| Total interest expense | $177,000 | 6,993 |
| Net interest income | $2,195,000 | 2,457 |
| Provision for loan and lease losses | $725,000 | 1,435 |
| Total noninterest income | $2,722,000 | 589 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $5,000 | 7,012 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $2,717,000 | 399 |
| Total noninterest expense | $3,463,000 | 1,440 |
| Salaries and employee benefits | $2,141,000 | 1,195 |
| Premises and equipment expense | $281,000 | 2,438 |
| Additional noninterest expense | $1,041,000 | 1,555 |
| Pre-tax net operating income | $729,000 | 1,741 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $272,000 | 1,155 |
| Income before extraordinary items | $457,000 | 2,299 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $457,000 | 2,299 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $457,000 | 2,301 |
| Net charge-offs | $1,305,000 | 812 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $408,000 | 216 |
| Net operating income | $457,000 | 2,165 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $12,284,000 | 2,973 |
| Total interest expense | $1,190,000 | 6,453 |
| Net interest income | $11,094,000 | 2,003 |
| Provision for loan and lease losses | $4,185,000 | 1,139 |
| Total noninterest income | $16,795,000 | 400 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,335 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $16,795,000 | 268 |
| Total noninterest expense | $15,630,000 | 1,255 |
| Salaries and employee benefits | $8,406,000 | 1,185 |
| Premises and equipment expense | $1,038,000 | 2,538 |
| Additional noninterest expense | $6,186,000 | 1,039 |
| Pre-tax net operating income | $8,074,000 | 693 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $3,019,000 | 467 |
| Income before extraordinary items | $5,055,000 | 802 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,055,000 | 802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,831,000 | 841 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $88,000 | 1,008 |
| Net operating income | $5,055,000 | 863 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,408,000 | 2,985 |
| Total interest expense | $960,000 | 6,428 |
| Net interest income | $8,448,000 | 1,991 |
| Provision for loan and lease losses | $3,050,000 | 894 |
| Total noninterest income | $13,256,000 | 404 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $0 | 7,386 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $13,256,000 | 275 |
| Total noninterest expense | $11,161,000 | 1,289 |
| Salaries and employee benefits | $6,138,000 | 1,245 |
| Premises and equipment expense | $757,000 | 2,617 |
| Additional noninterest expense | $4,266,000 | 1,078 |
| Pre-tax net operating income | $7,493,000 | 665 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $2,930,000 | 472 |
| Income before extraordinary items | $4,563,000 | 803 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $4,563,000 | 802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,713,000 | 683 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $91,000 | 804 |
| Net operating income | $4,563,000 | 851 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,493,000 | 2,928 |
| Total interest expense | $725,000 | 6,288 |
| Net interest income | $5,768,000 | 1,943 |
| Provision for loan and lease losses | $2,050,000 | 775 |
| Total noninterest income | $9,783,000 | 392 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $0 | 7,428 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $9,783,000 | 270 |
| Total noninterest expense | $7,531,000 | 1,279 |
| Salaries and employee benefits | $4,253,000 | 1,209 |
| Premises and equipment expense | $451,000 | 2,899 |
| Additional noninterest expense | $2,827,000 | 1,064 |
| Pre-tax net operating income | $5,970,000 | 585 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $2,332,000 | 458 |
| Income before extraordinary items | $3,638,000 | 750 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,638,000 | 749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,467,000 | 669 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 709 |
| Net operating income | $3,638,000 | 735 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,381,000 | 2,885 |
| Total interest expense | $437,000 | 6,066 |
| Net interest income | $2,944,000 | 1,895 |
| Provision for loan and lease losses | $800,000 | 722 |
| Total noninterest income | $4,951,000 | 397 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $0 | 7,431 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $4,951,000 | 278 |
| Total noninterest expense | $3,373,000 | 1,417 |
| Salaries and employee benefits | $2,225,000 | 1,157 |
| Premises and equipment expense | $251,000 | 2,657 |
| Additional noninterest expense | $897,000 | 1,597 |
| Pre-tax net operating income | $3,722,000 | 530 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $1,448,000 | 439 |
| Income before extraordinary items | $2,274,000 | 681 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,274,000 | 682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,019,000 | 461 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 668 |
| Net operating income | $2,274,000 | 650 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $11,372,000 | 3,430 |
| Total interest expense | $3,162,000 | 4,640 |
| Net interest income | $8,210,000 | 2,665 |
| Provision for loan and lease losses | $1,142,000 | 1,293 |
| Total noninterest income | $17,508,000 | 417 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $0 | 7,508 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $17,508,000 | 283 |
| Total noninterest expense | $11,329,000 | 1,624 |
| Salaries and employee benefits | $7,474,000 | 1,347 |
| Premises and equipment expense | $911,000 | 2,779 |
| Additional noninterest expense | $2,944,000 | 1,874 |
| Pre-tax net operating income | $13,247,000 | 652 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $5,063,000 | 541 |
| Income before extraordinary items | $8,184,000 | 798 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $8,184,000 | 796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $421,000 | 1,899 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $83,000 | 977 |
| Net operating income | $8,184,000 | 790 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,144,000 | 3,567 |
| Total interest expense | $2,563,000 | 4,410 |
| Net interest income | $5,581,000 | 2,934 |
| Provision for loan and lease losses | $172,000 | 3,290 |
| Total noninterest income | $12,324,000 | 438 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,525 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $12,324,000 | 294 |
| Total noninterest expense | $8,894,000 | 1,536 |
| Salaries and employee benefits | $5,960,000 | 1,255 |
| Premises and equipment expense | $648,000 | 2,876 |
| Additional noninterest expense | $2,286,000 | 1,771 |
| Pre-tax net operating income | $8,839,000 | 776 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $3,383,000 | 632 |
| Income before extraordinary items | $5,456,000 | 957 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $5,456,000 | 955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,961 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 848 |
| Net operating income | $5,456,000 | 942 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,567,000 | 3,509 |
| Total interest expense | $1,819,000 | 4,257 |
| Net interest income | $3,748,000 | 2,935 |
| Provision for loan and lease losses | $152,000 | 2,564 |
| Total noninterest income | $7,014,000 | 511 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $0 | 7,560 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $7,014,000 | 348 |
| Total noninterest expense | $5,739,000 | 1,608 |
| Salaries and employee benefits | $3,937,000 | 1,293 |
| Premises and equipment expense | $358,000 | 3,368 |
| Additional noninterest expense | $1,444,000 | 1,875 |
| Pre-tax net operating income | $4,871,000 | 980 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,841,000 | 781 |
| Income before extraordinary items | $3,030,000 | 1,179 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,030,000 | 1,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,005 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 735 |
| Net operating income | $3,030,000 | 1,162 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,702,000 | 3,572 |
| Total interest expense | $889,000 | 4,308 |
| Net interest income | $1,813,000 | 3,025 |
| Provision for loan and lease losses | $134,000 | 1,638 |
| Total noninterest income | $3,071,000 | 543 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $0 | 7,573 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $3,071,000 | 375 |
| Total noninterest expense | $2,874,000 | 1,601 |
| Salaries and employee benefits | $1,915,000 | 1,340 |
| Premises and equipment expense | $146,000 | 3,924 |
| Additional noninterest expense | $813,000 | 1,654 |
| Pre-tax net operating income | $1,876,000 | 1,246 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $700,000 | 975 |
| Income before extraordinary items | $1,176,000 | 1,471 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,176,000 | 1,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 2,057 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 654 |
| Net operating income | $1,176,000 | 1,463 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,862,000 | 3,912 |
| Total interest expense | $2,252,000 | 5,094 |
| Net interest income | $6,610,000 | 3,270 |
| Provision for loan and lease losses | $948,000 | 1,091 |
| Total noninterest income | $7,627,000 | 773 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $0 | 7,634 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $7,627,000 | 497 |
| Total noninterest expense | $7,751,000 | 2,277 |
| Salaries and employee benefits | $4,938,000 | 1,974 |
| Premises and equipment expense | $753,000 | 3,144 |
| Additional noninterest expense | $2,060,000 | 2,512 |
| Pre-tax net operating income | $5,538,000 | 1,732 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,104,000 | 1,274 |
| Income before extraordinary items | $3,434,000 | 2,052 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,434,000 | 2,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $772,000 | 856 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $8,075,000 | 249 |
| Net operating income | $3,434,000 | 2,036 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,249,000 | 4,064 |
| Total interest expense | $1,428,000 | 5,472 |
| Net interest income | $4,821,000 | 3,367 |
| Provision for loan and lease losses | $915,000 | 823 |
| Total noninterest income | $5,814,000 | 776 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $0 | 7,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,814,000 | 506 |
| Total noninterest expense | $5,666,000 | 2,329 |
| Salaries and employee benefits | $3,595,000 | 2,032 |
| Premises and equipment expense | $290,000 | 5,060 |
| Additional noninterest expense | $1,781,000 | 2,192 |
| Pre-tax net operating income | $4,054,000 | 1,815 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,546,000 | 1,365 |
| Income before extraordinary items | $2,508,000 | 2,144 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,508,000 | 2,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $772,000 | 569 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $8,158,000 | 188 |
| Net operating income | $2,508,000 | 2,131 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,083,000 | 4,069 |
| Total interest expense | $869,000 | 5,597 |
| Net interest income | $3,214,000 | 3,370 |
| Provision for loan and lease losses | $791,000 | 654 |
| Total noninterest income | $4,351,000 | 703 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,707 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,351,000 | 473 |
| Total noninterest expense | $3,973,000 | 2,219 |
| Salaries and employee benefits | $2,438,000 | 2,001 |
| Premises and equipment expense | $345,000 | 3,364 |
| Additional noninterest expense | $1,190,000 | 2,193 |
| Pre-tax net operating income | $2,801,000 | 1,773 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,071,000 | 1,326 |
| Income before extraordinary items | $1,730,000 | 2,081 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,730,000 | 2,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $775,000 | 410 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $8,301,000 | 124 |
| Net operating income | $1,730,000 | 2,068 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,903,000 | 4,229 |
| Total interest expense | $456,000 | 5,364 |
| Net interest income | $1,447,000 | 3,640 |
| Provision for loan and lease losses | $222,000 | 1,065 |
| Total noninterest income | $3,074,000 | 547 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $0 | 7,698 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,074,000 | 385 |
| Total noninterest expense | $2,192,000 | 2,013 |
| Salaries and employee benefits | $1,330,000 | 1,851 |
| Premises and equipment expense | $91,000 | 5,241 |
| Additional noninterest expense | $771,000 | 1,696 |
| Pre-tax net operating income | $2,107,000 | 1,169 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $797,000 | 936 |
| Income before extraordinary items | $1,310,000 | 1,399 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,310,000 | 1,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $255,000 | 524 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $654,000 | 167 |
| Net operating income | $1,310,000 | 1,373 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,701,000 | 4,279 |
| Total interest expense | $1,090,000 | 6,076 |
| Net interest income | $5,611,000 | 3,629 |
| Provision for loan and lease losses | $1,858,000 | 575 |
| Total noninterest income | $6,833,000 | 834 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $175,000 | 5,326 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,658,000 | 563 |
| Total noninterest expense | $6,146,000 | 2,690 |
| Salaries and employee benefits | $3,535,000 | 2,578 |
| Premises and equipment expense | $563,000 | 3,845 |
| Additional noninterest expense | $2,048,000 | 2,430 |
| Pre-tax net operating income | $4,440,000 | 2,050 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,671,000 | 1,569 |
| Income before extraordinary items | $2,769,000 | 2,397 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,769,000 | 2,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,224,000 | 581 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $154,000 | 671 |
| Net operating income | $2,769,000 | 2,368 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,733,000 | 4,425 |
| Total interest expense | $713,000 | 6,312 |
| Net interest income | $4,020,000 | 3,749 |
| Provision for loan and lease losses | $1,231,000 | 623 |
| Total noninterest income | $5,871,000 | 755 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $99,000 | 5,878 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,772,000 | 512 |
| Total noninterest expense | $4,764,000 | 2,585 |
| Salaries and employee benefits | $2,747,000 | 2,455 |
| Premises and equipment expense | $415,000 | 3,864 |
| Additional noninterest expense | $1,602,000 | 2,302 |
| Pre-tax net operating income | $3,896,000 | 1,805 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,472,000 | 1,400 |
| Income before extraordinary items | $2,424,000 | 2,124 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,424,000 | 2,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $648,000 | 682 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $189,000 | 503 |
| Net operating income | $2,424,000 | 2,084 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,277,000 | 4,226 |
| Total interest expense | $440,000 | 6,371 |
| Net interest income | $2,837,000 | 3,564 |
| Provision for loan and lease losses | $1,168,000 | 431 |
| Total noninterest income | $5,334,000 | 600 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $51,000 | 6,276 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $5,283,000 | 422 |
| Total noninterest expense | $3,346,000 | 2,445 |
| Salaries and employee benefits | $1,920,000 | 2,339 |
| Premises and equipment expense | $274,000 | 3,881 |
| Additional noninterest expense | $1,152,000 | 2,136 |
| Pre-tax net operating income | $3,657,000 | 1,277 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,387,000 | 1,021 |
| Income before extraordinary items | $2,270,000 | 1,521 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,270,000 | 1,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $396,000 | 720 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 533 |
| Net operating income | $2,270,000 | 1,495 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,478,000 | 4,536 |
| Total interest expense | $201,000 | 6,528 |
| Net interest income | $1,277,000 | 3,853 |
| Provision for loan and lease losses | $356,000 | 664 |
| Total noninterest income | $3,421,000 | 486 |
| 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 | $3,390,000 | 344 |
| Total noninterest expense | $1,532,000 | 2,654 |
| Salaries and employee benefits | $787,000 | 2,810 |
| Premises and equipment expense | $134,000 | 3,988 |
| Additional noninterest expense | $611,000 | 2,005 |
| Pre-tax net operating income | $2,810,000 | 837 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,075,000 | 722 |
| Income before extraordinary items | $1,735,000 | 1,002 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,735,000 | 1,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-105,000 | 8,796 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,735,000 | 980 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,041,000 | 5,525 |
| Total interest expense | $444,000 | 7,516 |
| Net interest income | $3,597,000 | 4,823 |
| Provision for loan and lease losses | $1,463,000 | 734 |
| Total noninterest income | $8,137,000 | 712 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $165,000 | 5,611 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $7,972,000 | 477 |
| Total noninterest expense | $4,942,000 | 3,153 |
| Salaries and employee benefits | $2,445,000 | 3,404 |
| Premises and equipment expense | $617,000 | 3,459 |
| Additional noninterest expense | $1,880,000 | 2,556 |
| Pre-tax net operating income | $5,329,000 | 1,597 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,980,000 | 1,285 |
| Income before extraordinary items | $3,349,000 | 1,887 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,349,000 | 1,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,776,000 | 503 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,349,000 | 1,841 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,736,000 | 5,836 |
| Total interest expense | $300,000 | 7,703 |
| Net interest income | $2,436,000 | 5,140 |
| Provision for loan and lease losses | $1,126,000 | 691 |
| Total noninterest income | $6,115,000 | 718 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $127,000 | 5,605 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,988,000 | 481 |
| Total noninterest expense | $3,723,000 | 3,110 |
| Salaries and employee benefits | $1,865,000 | 3,339 |
| Premises and equipment expense | $483,000 | 3,344 |
| Additional noninterest expense | $1,375,000 | 2,581 |
| Pre-tax net operating income | $3,702,000 | 1,736 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,435,000 | 1,333 |
| Income before extraordinary items | $2,267,000 | 2,069 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,267,000 | 2,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,199,000 | 500 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,267,000 | 2,013 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,165,000 | 7,115 |
| Total interest expense | $165,000 | 8,062 |
| Net interest income | $1,000,000 | 6,657 |
| Provision for loan and lease losses | $374,000 | 1,310 |
| Total noninterest income | $4,724,000 | 642 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $87,000 | 5,558 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,637,000 | 435 |
| Total noninterest expense | $2,466,000 | 3,149 |
| Salaries and employee benefits | $1,189,000 | 3,477 |
| Premises and equipment expense | $366,000 | 3,016 |
| Additional noninterest expense | $911,000 | 2,594 |
| Pre-tax net operating income | $2,884,000 | 1,474 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,121,000 | 1,166 |
| Income before extraordinary items | $1,763,000 | 1,798 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,763,000 | 1,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $857,000 | 481 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,763,000 | 1,742 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $711,000 | 6,666 |
| Total interest expense | $87,000 | 8,051 |
| Net interest income | $624,000 | 6,018 |
| Provision for loan and lease losses | $111,000 | 1,949 |
| Total noninterest income | $2,309,000 | 649 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $43,000 | 5,527 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,266,000 | 440 |
| Total noninterest expense | $1,309,000 | 2,967 |
| Salaries and employee benefits | $592,000 | 3,516 |
| Premises and equipment expense | $258,000 | 2,228 |
| Additional noninterest expense | $459,000 | 2,568 |
| Pre-tax net operating income | $1,513,000 | 1,381 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $585,000 | 1,149 |
| Income before extraordinary items | $928,000 | 1,696 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $928,000 | 1,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 1,713 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $928,000 | 1,612 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,608,000 | 6,928 |
| Total interest expense | $504,000 | 7,727 |
| Net interest income | $2,104,000 | 6,423 |
| Provision for loan and lease losses | $937,000 | 1,266 |
| Total noninterest income | $6,882,000 | 872 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $111,000 | 6,395 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $6,771,000 | 594 |
| Total noninterest expense | $4,435,000 | 3,386 |
| Salaries and employee benefits | $2,316,000 | 3,477 |
| Premises and equipment expense | $505,000 | 4,022 |
| Additional noninterest expense | $1,614,000 | 2,882 |
| Pre-tax net operating income | $3,614,000 | 2,158 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,390,000 | 1,735 |
| Income before extraordinary items | $2,224,000 | 2,632 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,224,000 | 2,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 3,499 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,224,000 | 2,509 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,961,000 | 7,000 |
| Total interest expense | $427,000 | 7,655 |
| Net interest income | $1,534,000 | 6,568 |
| Provision for loan and lease losses | $818,000 | 1,061 |
| Total noninterest income | $4,689,000 | 978 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $86,000 | 6,393 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,603,000 | 678 |
| Total noninterest expense | $3,065,000 | 3,637 |
| Salaries and employee benefits | $1,577,000 | 3,752 |
| Premises and equipment expense | $351,000 | 4,259 |
| Additional noninterest expense | $1,137,000 | 3,039 |
| Pre-tax net operating income | $2,340,000 | 2,520 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $864,000 | 2,085 |
| Income before extraordinary items | $1,476,000 | 3,000 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,476,000 | 3,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 3,971 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,476,000 | 2,857 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,249,000 | 7,176 |
| Total interest expense | $303,000 | 7,633 |
| Net interest income | $946,000 | 6,806 |
| Provision for loan and lease losses | $171,000 | 2,813 |
| Total noninterest income | $2,559,000 | 1,133 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $59,000 | 6,330 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,500,000 | 785 |
| Total noninterest expense | $2,113,000 | 3,524 |
| Salaries and employee benefits | $1,066,000 | 3,713 |
| Premises and equipment expense | $234,000 | 4,261 |
| Additional noninterest expense | $813,000 | 2,843 |
| Pre-tax net operating income | $1,221,000 | 3,046 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $432,000 | 2,542 |
| Income before extraordinary items | $789,000 | 3,549 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $789,000 | 3,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,782 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $789,000 | 3,351 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $724,000 | 6,811 |
| Total interest expense | $170,000 | 7,484 |
| Net interest income | $554,000 | 6,316 |
| Provision for loan and lease losses | $66,000 | 3,125 |
| Total noninterest income | $1,342,000 | 1,061 |
| 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 | $1,310,000 | 727 |
| Total noninterest expense | $1,080,000 | 3,442 |
| Salaries and employee benefits | $540,000 | 3,657 |
| Premises and equipment expense | $116,000 | 4,277 |
| Additional noninterest expense | $424,000 | 2,711 |
| Pre-tax net operating income | $750,000 | 2,602 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $289,000 | 2,111 |
| Income before extraordinary items | $461,000 | 3,126 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $461,000 | 3,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $461,000 | 2,966 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,048,000 | 6,802 |
| Total interest expense | $857,000 | 7,331 |
| Net interest income | $2,191,000 | 6,338 |
| Provision for loan and lease losses | $260,000 | 3,766 |
| Total noninterest income | $2,340,000 | 1,885 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $112,000 | 6,374 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,228,000 | 1,218 |
| Total noninterest expense | $2,868,000 | 4,608 |
| Salaries and employee benefits | $1,537,000 | 4,605 |
| Premises and equipment expense | $369,000 | 4,926 |
| Additional noninterest expense | $962,000 | 4,308 |
| Pre-tax net operating income | $1,403,000 | 4,276 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $603,000 | 3,110 |
| Income before extraordinary items | $800,000 | 5,214 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $800,000 | 5,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,802 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $800,000 | 5,068 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,195,000 | 6,201 |
| Total interest expense | $1,365,000 | 7,264 |
| Net interest income | $2,830,000 | 5,286 |
| Provision for loan and lease losses | $192,000 | 4,235 |
| Total noninterest income | $454,000 | 5,337 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $87,000 | 6,834 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $367,000 | 3,723 |
| Total noninterest expense | $2,176,000 | 5,423 |
| Salaries and employee benefits | $1,014,000 | 5,925 |
| Premises and equipment expense | $306,000 | 5,464 |
| Additional noninterest expense | $856,000 | 4,571 |
| Pre-tax net operating income | $916,000 | 5,139 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $302,000 | 4,245 |
| Income before extraordinary items | $614,000 | 5,561 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $614,000 | 5,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,430 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $614,000 | 5,429 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,536,000 | 8,910 |
| Total interest expense | $866,000 | 8,496 |
| Net interest income | $670,000 | 9,176 |
| Provision for loan and lease losses | $237,000 | 3,407 |
| Total noninterest income | $307,000 | 6,244 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 7,793 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $264,000 | 4,193 |
| Total noninterest expense | $1,244,000 | 7,384 |
| Salaries and employee benefits | $564,000 | 7,902 |
| Premises and equipment expense | $236,000 | 6,243 |
| Additional noninterest expense | $444,000 | 6,819 |
| Pre-tax net operating income | $-504,000 | 9,533 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-166,000 | 9,664 |
| Income before extraordinary items | $-338,000 | 9,468 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-338,000 | 9,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,408 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-338,000 | 9,473 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $170,000 | 10,136 |
| Total interest expense | $68,000 | 10,082 |
| Net interest income | $102,000 | 10,153 |
| Provision for loan and lease losses | $86,000 | 5,547 |
| Total noninterest income | $33,000 | 9,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 8,255 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,109 |
| Total noninterest expense | $694,000 | 9,052 |
| Salaries and employee benefits | $260,000 | 9,670 |
| Premises and equipment expense | $150,000 | 7,666 |
| Additional noninterest expense | $284,000 | 8,257 |
| Pre-tax net operating income | $-645,000 | 9,943 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-213,000 | 10,040 |
| Income before extraordinary items | $-432,000 | 9,866 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-432,000 | 9,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 890 |
| Net operating income | $-432,000 | 9,845 |
* 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.