Home > First Bank of White > Income and Expense
First Bank of White, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $671,000 | 5,867 |
| Total interest expense | $170,000 | 4,817 |
| Net interest income | $501,000 | 6,038 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $52,000 | 5,794 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $33,000 | 5,070 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $19,000 | 5,771 |
| Total noninterest expense | $321,000 | 6,486 |
| Salaries and employee benefits | $101,000 | 6,987 |
| Premises and equipment expense | $13,000 | 7,067 |
| Additional noninterest expense | $207,000 | 5,274 |
| Pre-tax net operating income | $232,000 | 4,292 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $67,000 | 2,800 |
| Income before extraordinary items | $165,000 | 4,689 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $165,000 | 4,693 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $165,000 | 4,693 |
| Net charge-offs | $31,000 | 3,398 |
| Cash dividends | $110,000 | 2,006 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $165,000 | 4,552 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $2,971,000 | 5,775 |
| Total interest expense | $818,000 | 4,878 |
| Net interest income | $2,153,000 | 5,944 |
| Provision for loan and lease losses | $50,000 | 5,824 |
| Total noninterest income | $257,000 | 5,435 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $178,000 | 4,593 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $79,000 | 5,531 |
| Total noninterest expense | $1,295,000 | 6,524 |
| Salaries and employee benefits | $380,000 | 7,087 |
| Premises and equipment expense | $46,000 | 7,191 |
| Additional noninterest expense | $869,000 | 5,248 |
| Pre-tax net operating income | $1,065,000 | 3,601 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $334,000 | 2,429 |
| Income before extraordinary items | $731,000 | 4,095 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $731,000 | 4,100 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $731,000 | 4,099 |
| Net charge-offs | $29,000 | 5,759 |
| Cash dividends | $420,000 | 2,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $731,000 | 3,953 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,224,000 | 5,843 |
| Total interest expense | $635,000 | 4,897 |
| Net interest income | $1,589,000 | 6,016 |
| Provision for loan and lease losses | $50,000 | 5,512 |
| Total noninterest income | $187,000 | 5,555 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $138,000 | 4,552 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $49,000 | 5,814 |
| Total noninterest expense | $955,000 | 6,581 |
| Salaries and employee benefits | $279,000 | 7,153 |
| Premises and equipment expense | $35,000 | 7,253 |
| Additional noninterest expense | $641,000 | 5,294 |
| Pre-tax net operating income | $771,000 | 3,792 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $244,000 | 2,474 |
| Income before extraordinary items | $527,000 | 4,224 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $527,000 | 4,226 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $527,000 | 4,226 |
| Net charge-offs | $22,000 | 5,495 |
| Cash dividends | $310,000 | 2,294 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $527,000 | 4,093 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,469,000 | 5,913 |
| Total interest expense | $438,000 | 4,938 |
| Net interest income | $1,031,000 | 6,110 |
| Provision for loan and lease losses | $25,000 | 5,594 |
| Total noninterest income | $126,000 | 5,572 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $93,000 | 4,525 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $33,000 | 5,881 |
| Total noninterest expense | $629,000 | 6,669 |
| Salaries and employee benefits | $181,000 | 7,236 |
| Premises and equipment expense | $24,000 | 7,317 |
| Additional noninterest expense | $424,000 | 5,381 |
| Pre-tax net operating income | $503,000 | 3,810 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $161,000 | 2,434 |
| Income before extraordinary items | $342,000 | 4,250 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $342,000 | 4,250 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $342,000 | 4,252 |
| Net charge-offs | $36,000 | 4,718 |
| Cash dividends | $190,000 | 2,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $342,000 | 4,157 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $743,000 | 5,930 |
| Total interest expense | $228,000 | 4,966 |
| Net interest income | $515,000 | 6,126 |
| Provision for loan and lease losses | $25,000 | 4,826 |
| Total noninterest income | $65,000 | 5,583 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $47,000 | 4,460 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $18,000 | 5,906 |
| Total noninterest expense | $314,000 | 6,715 |
| Salaries and employee benefits | $88,000 | 7,299 |
| Premises and equipment expense | $12,000 | 7,366 |
| Additional noninterest expense | $214,000 | 5,359 |
| Pre-tax net operating income | $241,000 | 3,900 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $78,000 | 2,458 |
| Income before extraordinary items | $163,000 | 4,323 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $163,000 | 4,322 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $163,000 | 4,323 |
| Net charge-offs | $29,000 | 3,798 |
| Cash dividends | $90,000 | 1,981 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $163,000 | 4,265 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,169,000 | 5,931 |
| Total interest expense | $1,180,000 | 4,864 |
| Net interest income | $1,989,000 | 6,252 |
| Provision for loan and lease losses | $49,000 | 6,513 |
| Total noninterest income | $314,000 | 5,328 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $211,000 | 4,312 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $103,000 | 5,414 |
| Total noninterest expense | $1,269,000 | 6,784 |
| Salaries and employee benefits | $371,000 | 7,354 |
| Premises and equipment expense | $44,000 | 7,483 |
| Additional noninterest expense | $854,000 | 5,473 |
| Pre-tax net operating income | $985,000 | 3,406 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $313,000 | 2,321 |
| Income before extraordinary items | $672,000 | 3,907 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $672,000 | 3,906 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $672,000 | 3,908 |
| Net charge-offs | $54,000 | 5,854 |
| Cash dividends | $300,000 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $672,000 | 3,771 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,384,000 | 6,021 |
| Total interest expense | $921,000 | 4,919 |
| Net interest income | $1,463,000 | 6,384 |
| Provision for loan and lease losses | $39,000 | 6,427 |
| Total noninterest income | $210,000 | 5,607 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $158,000 | 4,390 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $52,000 | 5,943 |
| Total noninterest expense | $938,000 | 6,865 |
| Salaries and employee benefits | $280,000 | 7,440 |
| Premises and equipment expense | $34,000 | 7,577 |
| Additional noninterest expense | $624,000 | 5,557 |
| Pre-tax net operating income | $696,000 | 3,730 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $221,000 | 2,455 |
| Income before extraordinary items | $475,000 | 4,207 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $475,000 | 4,208 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $475,000 | 4,208 |
| Net charge-offs | $39,000 | 5,687 |
| Cash dividends | $200,000 | 2,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $475,000 | 4,054 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,594,000 | 6,065 |
| Total interest expense | $633,000 | 4,941 |
| Net interest income | $961,000 | 6,440 |
| Provision for loan and lease losses | $21,000 | 6,377 |
| Total noninterest income | $136,000 | 5,649 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $101,000 | 4,468 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $35,000 | 5,988 |
| Total noninterest expense | $617,000 | 6,930 |
| Salaries and employee benefits | $186,000 | 7,507 |
| Premises and equipment expense | $23,000 | 7,630 |
| Additional noninterest expense | $408,000 | 5,611 |
| Pre-tax net operating income | $459,000 | 3,771 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $148,000 | 2,413 |
| Income before extraordinary items | $311,000 | 4,233 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $311,000 | 4,232 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $311,000 | 4,232 |
| Net charge-offs | $23,000 | 5,442 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $311,000 | 4,101 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $791,000 | 6,157 |
| Total interest expense | $324,000 | 5,002 |
| Net interest income | $467,000 | 6,554 |
| Provision for loan and lease losses | $15,000 | 5,865 |
| Total noninterest income | $65,000 | 5,755 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $46,000 | 4,630 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $19,000 | 5,996 |
| Total noninterest expense | $316,000 | 6,995 |
| Salaries and employee benefits | $94,000 | 7,599 |
| Premises and equipment expense | $11,000 | 7,727 |
| Additional noninterest expense | $211,000 | 5,555 |
| Pre-tax net operating income | $201,000 | 4,050 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $59,000 | 2,663 |
| Income before extraordinary items | $142,000 | 4,476 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $142,000 | 4,476 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $142,000 | 4,475 |
| Net charge-offs | $17,000 | 4,530 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $142,000 | 4,364 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,355,000 | 6,124 |
| Total interest expense | $1,538,000 | 5,102 |
| Net interest income | $1,817,000 | 6,547 |
| Provision for loan and lease losses | $470,000 | 4,633 |
| Total noninterest income | $260,000 | 5,840 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $186,000 | 4,773 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $74,000 | 6,000 |
| Total noninterest expense | $1,195,000 | 7,154 |
| Salaries and employee benefits | $437,000 | 7,563 |
| Premises and equipment expense | $52,000 | 7,769 |
| Additional noninterest expense | $706,000 | 6,113 |
| Pre-tax net operating income | $412,000 | 4,205 |
| Securities gains (losses) | $32,000 | 2,849 |
| Applicable income taxes | $86,000 | 2,954 |
| Income before extraordinary items | $358,000 | 4,287 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $358,000 | 4,289 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $358,000 | 4,288 |
| Net charge-offs | $210,000 | 4,945 |
| Cash dividends | $105,000 | 4,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $332,080 | 4,293 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,517,000 | 6,176 |
| Total interest expense | $1,186,000 | 5,185 |
| Net interest income | $1,331,000 | 6,636 |
| Provision for loan and lease losses | $320,000 | 4,496 |
| Total noninterest income | $193,000 | 5,950 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $138,000 | 4,832 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $55,000 | 6,129 |
| Total noninterest expense | $889,000 | 7,203 |
| Salaries and employee benefits | $329,000 | 7,615 |
| Premises and equipment expense | $41,000 | 7,831 |
| Additional noninterest expense | $519,000 | 6,163 |
| Pre-tax net operating income | $315,000 | 4,483 |
| Securities gains (losses) | $32,000 | 2,532 |
| Applicable income taxes | $69,000 | 3,131 |
| Income before extraordinary items | $278,000 | 4,516 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $278,000 | 4,515 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $278,000 | 4,517 |
| Net charge-offs | $196,000 | 4,274 |
| Cash dividends | $105,000 | 3,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $252,400 | 4,557 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,671,000 | 6,245 |
| Total interest expense | $807,000 | 5,256 |
| Net interest income | $864,000 | 6,702 |
| Provision for loan and lease losses | $290,000 | 3,791 |
| Total noninterest income | $126,000 | 6,021 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $89,000 | 4,870 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $37,000 | 6,175 |
| Total noninterest expense | $596,000 | 7,260 |
| Salaries and employee benefits | $220,000 | 7,699 |
| Premises and equipment expense | $29,000 | 7,884 |
| Additional noninterest expense | $347,000 | 6,175 |
| Pre-tax net operating income | $104,000 | 5,181 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-1,000 | 6,703 |
| Income before extraordinary items | $105,000 | 5,166 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $105,000 | 5,163 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $105,000 | 5,163 |
| Net charge-offs | $185,000 | 3,518 |
| Cash dividends | $105,000 | 3,221 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $105,000 | 5,077 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $839,000 | 6,287 |
| Total interest expense | $412,000 | 5,316 |
| Net interest income | $427,000 | 6,746 |
| Provision for loan and lease losses | $30,000 | 5,394 |
| Total noninterest income | $61,000 | 6,076 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $41,000 | 4,966 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $20,000 | 6,167 |
| Total noninterest expense | $279,000 | 7,375 |
| Salaries and employee benefits | $112,000 | 7,719 |
| Premises and equipment expense | $13,000 | 7,962 |
| Additional noninterest expense | $154,000 | 6,240 |
| Pre-tax net operating income | $179,000 | 4,219 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $47,000 | 2,939 |
| Income before extraordinary items | $132,000 | 4,556 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $132,000 | 4,560 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $132,000 | 4,560 |
| Net charge-offs | $11,000 | 4,708 |
| Cash dividends | $70,000 | 2,495 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $132,000 | 4,388 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,497,000 | 6,316 |
| Total interest expense | $1,890,000 | 5,449 |
| Net interest income | $1,607,000 | 6,865 |
| Provision for loan and lease losses | $73,000 | 6,305 |
| Total noninterest income | $233,000 | 6,261 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $158,000 | 5,211 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $75,000 | 6,290 |
| Total noninterest expense | $985,000 | 7,567 |
| Salaries and employee benefits | $406,000 | 7,879 |
| Premises and equipment expense | $58,000 | 7,987 |
| Additional noninterest expense | $521,000 | 6,538 |
| Pre-tax net operating income | $782,000 | 4,207 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $179,000 | 2,913 |
| Income before extraordinary items | $603,000 | 4,175 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $603,000 | 4,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 5,333 |
| Cash dividends | $560,000 | 3,208 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $603,000 | 4,321 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,646,000 | 6,365 |
| Total interest expense | $1,441,000 | 5,540 |
| Net interest income | $1,205,000 | 6,927 |
| Provision for loan and lease losses | $18,000 | 6,554 |
| Total noninterest income | $166,000 | 6,447 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $110,000 | 5,401 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $56,000 | 6,447 |
| Total noninterest expense | $735,000 | 7,606 |
| Salaries and employee benefits | $302,000 | 7,920 |
| Premises and equipment expense | $42,000 | 8,069 |
| Additional noninterest expense | $391,000 | 6,521 |
| Pre-tax net operating income | $618,000 | 4,599 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $183,000 | 3,009 |
| Income before extraordinary items | $435,000 | 4,663 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $435,000 | 4,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,374 |
| Cash dividends | $260,000 | 3,585 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $435,000 | 4,819 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,776,000 | 6,420 |
| Total interest expense | $979,000 | 5,631 |
| Net interest income | $797,000 | 6,970 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $106,000 | 6,575 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $69,000 | 5,503 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $37,000 | 6,530 |
| Total noninterest expense | $486,000 | 7,673 |
| Salaries and employee benefits | $203,000 | 7,977 |
| Premises and equipment expense | $29,000 | 8,097 |
| Additional noninterest expense | $254,000 | 6,610 |
| Pre-tax net operating income | $417,000 | 4,715 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $123,000 | 3,231 |
| Income before extraordinary items | $294,000 | 5,032 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $294,000 | 5,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,014 |
| Cash dividends | $175,000 | 3,593 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $294,000 | 4,974 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $887,000 | 6,502 |
| Total interest expense | $507,000 | 5,720 |
| Net interest income | $380,000 | 7,104 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $56,000 | 6,473 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $32,000 | 5,589 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $24,000 | 6,230 |
| Total noninterest expense | $247,000 | 7,668 |
| Salaries and employee benefits | $106,000 | 7,972 |
| Premises and equipment expense | $16,000 | 8,087 |
| Additional noninterest expense | $125,000 | 6,632 |
| Pre-tax net operating income | $189,000 | 5,057 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $55,000 | 3,465 |
| Income before extraordinary items | $134,000 | 5,401 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $134,000 | 5,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,217 |
| Cash dividends | $75,000 | 3,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $134,000 | 5,303 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,846,000 | 5,312 |
| Total interest expense | $2,190,000 | 5,624 |
| Net interest income | $3,656,000 | 4,885 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $285,000 | 6,114 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $142,000 | 5,509 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $143,000 | 5,654 |
| Total noninterest expense | $1,239,000 | 7,302 |
| Salaries and employee benefits | $626,000 | 7,471 |
| Premises and equipment expense | $51,000 | 8,239 |
| Additional noninterest expense | $562,000 | 6,308 |
| Pre-tax net operating income | $2,702,000 | 2,651 |
| Securities gains (losses) | $13,000 | 1,241 |
| Applicable income taxes | $957,000 | 1,917 |
| Income before extraordinary items | $1,758,000 | 3,098 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,758,000 | 3,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,313 |
| Cash dividends | $1,100,000 | 2,478 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,749,550 | 3,097 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,913,000 | 4,952 |
| Total interest expense | $1,661,000 | 5,608 |
| Net interest income | $3,252,000 | 4,413 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $230,000 | 6,045 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $107,000 | 5,522 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $123,000 | 5,430 |
| Total noninterest expense | $1,020,000 | 7,108 |
| Salaries and employee benefits | $527,000 | 7,219 |
| Premises and equipment expense | $39,000 | 8,224 |
| Additional noninterest expense | $454,000 | 6,078 |
| Pre-tax net operating income | $2,462,000 | 2,465 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $894,000 | 1,771 |
| Income before extraordinary items | $1,568,000 | 2,875 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,568,000 | 2,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,022 |
| Cash dividends | $1,100,000 | 1,854 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,568,000 | 2,862 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,595,000 | 4,685 |
| Total interest expense | $1,112,000 | 5,601 |
| Net interest income | $2,483,000 | 4,053 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $139,000 | 6,259 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $69,000 | 5,607 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $70,000 | 5,737 |
| Total noninterest expense | $642,000 | 7,259 |
| Salaries and employee benefits | $300,000 | 7,569 |
| Premises and equipment expense | $25,000 | 8,294 |
| Additional noninterest expense | $317,000 | 5,970 |
| Pre-tax net operating income | $1,980,000 | 2,179 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $719,000 | 1,628 |
| Income before extraordinary items | $1,261,000 | 2,537 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,261,000 | 2,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,177 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,261,000 | 2,519 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,695,000 | 4,855 |
| Total interest expense | $542,000 | 5,657 |
| Net interest income | $1,153,000 | 4,277 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $93,000 | 5,686 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $35,000 | 5,544 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $58,000 | 4,822 |
| Total noninterest expense | $315,000 | 7,331 |
| Salaries and employee benefits | $156,000 | 7,548 |
| Premises and equipment expense | $13,000 | 8,301 |
| Additional noninterest expense | $146,000 | 6,188 |
| Pre-tax net operating income | $931,000 | 2,293 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $333,000 | 1,732 |
| Income before extraordinary items | $598,000 | 2,634 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $598,000 | 2,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $598,000 | 2,618 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,226,000 | 6,613 |
| Total interest expense | $1,818,000 | 5,662 |
| Net interest income | $1,408,000 | 7,298 |
| Provision for loan and lease losses | $37,000 | 5,861 |
| Total noninterest income | $632,000 | 4,599 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $155,000 | 5,467 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $477,000 | 3,424 |
| Total noninterest expense | $982,000 | 7,739 |
| Salaries and employee benefits | $360,000 | 8,243 |
| Premises and equipment expense | $46,000 | 8,392 |
| Additional noninterest expense | $576,000 | 6,167 |
| Pre-tax net operating income | $1,021,000 | 5,147 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $313,000 | 3,754 |
| Income before extraordinary items | $708,000 | 5,485 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $708,000 | 5,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,166 |
| Cash dividends | $500,000 | 3,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $708,000 | 5,477 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,358,000 | 6,706 |
| Total interest expense | $1,322,000 | 5,675 |
| Net interest income | $1,036,000 | 7,397 |
| Provision for loan and lease losses | $35,000 | 5,538 |
| Total noninterest income | $550,000 | 4,268 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $117,000 | 5,519 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $433,000 | 3,082 |
| Total noninterest expense | $721,000 | 7,771 |
| Salaries and employee benefits | $263,000 | 8,279 |
| Premises and equipment expense | $34,000 | 8,452 |
| Additional noninterest expense | $424,000 | 6,233 |
| Pre-tax net operating income | $830,000 | 5,161 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $258,000 | 3,789 |
| Income before extraordinary items | $572,000 | 5,474 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $572,000 | 5,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,511 |
| Cash dividends | $500,000 | 2,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $572,000 | 5,475 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,441,000 | 6,909 |
| Total interest expense | $840,000 | 5,683 |
| Net interest income | $601,000 | 7,701 |
| Provision for loan and lease losses | $34,000 | 4,919 |
| Total noninterest income | $502,000 | 3,520 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $80,000 | 5,471 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $422,000 | 2,480 |
| Total noninterest expense | $521,000 | 7,675 |
| Salaries and employee benefits | $170,000 | 8,353 |
| Premises and equipment expense | $21,000 | 8,509 |
| Additional noninterest expense | $330,000 | 5,790 |
| Pre-tax net operating income | $548,000 | 5,214 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $171,000 | 3,817 |
| Income before extraordinary items | $377,000 | 5,526 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $377,000 | 5,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $377,000 | 5,527 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $697,000 | 6,959 |
| Total interest expense | $405,000 | 5,649 |
| Net interest income | $292,000 | 7,762 |
| Provision for loan and lease losses | $22,000 | 4,442 |
| Total noninterest income | $237,000 | 3,598 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $39,000 | 5,460 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $198,000 | 2,508 |
| Total noninterest expense | $280,000 | 7,575 |
| Salaries and employee benefits | $86,000 | 8,367 |
| Premises and equipment expense | $10,000 | 8,530 |
| Additional noninterest expense | $184,000 | 5,434 |
| Pre-tax net operating income | $227,000 | 5,563 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $70,000 | 4,045 |
| Income before extraordinary items | $157,000 | 5,854 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $157,000 | 5,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,875 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $157,000 | 5,853 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,510,000 | 7,000 |
| Total interest expense | $1,169,000 | 5,882 |
| Net interest income | $1,341,000 | 7,509 |
| Provision for loan and lease losses | $22,000 | 6,455 |
| Total noninterest income | $1,300,000 | 2,956 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $150,000 | 5,623 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,150,000 | 2,025 |
| Total noninterest expense | $1,236,000 | 7,342 |
| Salaries and employee benefits | $322,000 | 8,428 |
| Premises and equipment expense | $40,000 | 8,584 |
| Additional noninterest expense | $874,000 | 4,871 |
| Pre-tax net operating income | $1,383,000 | 4,576 |
| Securities gains (losses) | $17,000 | 1,304 |
| Applicable income taxes | $472,000 | 3,460 |
| Income before extraordinary items | $928,000 | 5,008 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $928,000 | 5,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,503 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $916,780 | 5,005 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,840,000 | 7,059 |
| Total interest expense | $814,000 | 5,972 |
| Net interest income | $1,026,000 | 7,506 |
| Provision for loan and lease losses | $-6,000 | 8,585 |
| Total noninterest income | $1,074,000 | 2,770 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $110,000 | 5,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $964,000 | 1,869 |
| Total noninterest expense | $917,000 | 7,351 |
| Salaries and employee benefits | $235,000 | 8,443 |
| Premises and equipment expense | $31,000 | 8,563 |
| Additional noninterest expense | $651,000 | 4,856 |
| Pre-tax net operating income | $1,189,000 | 4,321 |
| Securities gains (losses) | $16,000 | 1,308 |
| Applicable income taxes | $420,000 | 3,253 |
| Income before extraordinary items | $785,000 | 4,808 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $785,000 | 4,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,742 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $774,600 | 4,805 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,235,000 | 7,009 |
| Total interest expense | $510,000 | 5,993 |
| Net interest income | $725,000 | 7,416 |
| Provision for loan and lease losses | $19,000 | 5,720 |
| Total noninterest income | $827,000 | 2,477 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $72,000 | 5,681 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $755,000 | 1,649 |
| Total noninterest expense | $669,000 | 7,165 |
| Salaries and employee benefits | $157,000 | 8,456 |
| Premises and equipment expense | $20,000 | 8,575 |
| Additional noninterest expense | $492,000 | 4,427 |
| Pre-tax net operating income | $864,000 | 4,094 |
| Securities gains (losses) | $16,000 | 1,180 |
| Applicable income taxes | $306,000 | 3,072 |
| Income before extraordinary items | $574,000 | 4,538 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $574,000 | 4,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,782 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $563,600 | 4,533 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $595,000 | 7,115 |
| Total interest expense | $253,000 | 5,933 |
| Net interest income | $342,000 | 7,581 |
| Provision for loan and lease losses | $7,000 | 5,663 |
| Total noninterest income | $402,000 | 2,480 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $37,000 | 5,594 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $365,000 | 1,655 |
| Total noninterest expense | $347,000 | 7,119 |
| Salaries and employee benefits | $74,000 | 8,563 |
| Premises and equipment expense | $8,000 | 8,706 |
| Additional noninterest expense | $265,000 | 4,174 |
| Pre-tax net operating income | $390,000 | 4,339 |
| Securities gains (losses) | $16,000 | 862 |
| Applicable income taxes | $142,000 | 3,192 |
| Income before extraordinary items | $264,000 | 4,717 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $264,000 | 4,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,481 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $253,600 | 4,795 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,156,000 | 7,220 |
| Total interest expense | $907,000 | 5,924 |
| Net interest income | $1,249,000 | 7,690 |
| Provision for loan and lease losses | $66,000 | 5,556 |
| Total noninterest income | $427,000 | 5,650 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $141,000 | 5,910 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $286,000 | 4,351 |
| Total noninterest expense | $636,000 | 8,446 |
| Salaries and employee benefits | $278,000 | 8,651 |
| Premises and equipment expense | $41,000 | 8,714 |
| Additional noninterest expense | $317,000 | 7,600 |
| Pre-tax net operating income | $974,000 | 5,305 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $322,000 | 4,073 |
| Income before extraordinary items | $652,000 | 5,773 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $652,000 | 5,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 3,969 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $652,000 | 5,701 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,584,000 | 7,286 |
| Total interest expense | $672,000 | 5,940 |
| Net interest income | $912,000 | 7,756 |
| Provision for loan and lease losses | $44,000 | 5,644 |
| Total noninterest income | $168,000 | 6,995 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $104,000 | 5,986 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $64,000 | 6,699 |
| Total noninterest expense | $454,000 | 8,510 |
| Salaries and employee benefits | $220,000 | 8,642 |
| Premises and equipment expense | $31,000 | 8,728 |
| Additional noninterest expense | $203,000 | 7,882 |
| Pre-tax net operating income | $582,000 | 5,982 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $193,000 | 4,491 |
| Income before extraordinary items | $389,000 | 6,398 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $389,000 | 6,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,103 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $389,000 | 6,319 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,067,000 | 7,301 |
| Total interest expense | $444,000 | 5,994 |
| Net interest income | $623,000 | 7,745 |
| Provision for loan and lease losses | $32,000 | 5,260 |
| Total noninterest income | $77,000 | 7,649 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $62,000 | 6,192 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $15,000 | 8,015 |
| Total noninterest expense | $339,000 | 8,435 |
| Salaries and employee benefits | $146,000 | 8,706 |
| Premises and equipment expense | $20,000 | 8,782 |
| Additional noninterest expense | $173,000 | 7,454 |
| Pre-tax net operating income | $329,000 | 6,313 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $108,000 | 4,742 |
| Income before extraordinary items | $221,000 | 6,703 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $221,000 | 6,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 2,427 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $221,000 | 6,615 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $505,000 | 7,469 |
| Total interest expense | $223,000 | 6,040 |
| Net interest income | $282,000 | 7,960 |
| Provision for loan and lease losses | $4,000 | 6,169 |
| Total noninterest income | $44,000 | 7,434 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $30,000 | 6,194 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $14,000 | 7,349 |
| Total noninterest expense | $178,000 | 8,398 |
| Salaries and employee benefits | $71,000 | 8,763 |
| Premises and equipment expense | $9,000 | 8,833 |
| Additional noninterest expense | $98,000 | 7,196 |
| Pre-tax net operating income | $144,000 | 6,523 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $46,000 | 4,955 |
| Income before extraordinary items | $98,000 | 6,919 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $98,000 | 6,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $98,000 | 6,819 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,005,000 | 7,532 |
| Total interest expense | $1,014,000 | 6,080 |
| Net interest income | $991,000 | 8,112 |
| Provision for loan and lease losses | $110,000 | 5,170 |
| Total noninterest income | $156,000 | 7,745 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $142,000 | 5,959 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $14,000 | 8,625 |
| Total noninterest expense | $587,000 | 8,681 |
| Salaries and employee benefits | $267,000 | 8,853 |
| Premises and equipment expense | $21,000 | 9,064 |
| Additional noninterest expense | $299,000 | 7,762 |
| Pre-tax net operating income | $450,000 | 6,845 |
| Securities gains (losses) | $2,000 | 4,163 |
| Applicable income taxes | $142,000 | 5,341 |
| Income before extraordinary items | $310,000 | 7,240 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $310,000 | 7,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,909 |
| Cash dividends | $100,000 | 5,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $308,620 | 7,100 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,496,000 | 7,633 |
| Total interest expense | $779,000 | 6,145 |
| Net interest income | $717,000 | 8,234 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $118,000 | 7,793 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $108,000 | 5,977 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $10,000 | 8,693 |
| Total noninterest expense | $406,000 | 8,800 |
| Salaries and employee benefits | $176,000 | 8,969 |
| Premises and equipment expense | $26,000 | 8,993 |
| Additional noninterest expense | $204,000 | 7,962 |
| Pre-tax net operating income | $339,000 | 6,999 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $94,000 | 5,636 |
| Income before extraordinary items | $245,000 | 7,290 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $245,000 | 7,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,833 |
| Cash dividends | $100,000 | 4,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $245,000 | 7,124 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $996,000 | 7,700 |
| Total interest expense | $533,000 | 6,194 |
| Net interest income | $463,000 | 8,324 |
| Provision for loan and lease losses | $8,000 | 6,936 |
| Total noninterest income | $82,000 | 7,729 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $76,000 | 5,869 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $6,000 | 8,732 |
| Total noninterest expense | $269,000 | 8,819 |
| Salaries and employee benefits | $121,000 | 8,989 |
| Premises and equipment expense | $17,000 | 9,006 |
| Additional noninterest expense | $131,000 | 8,025 |
| Pre-tax net operating income | $268,000 | 6,717 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $86,000 | 5,320 |
| Income before extraordinary items | $182,000 | 7,140 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $182,000 | 7,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,535 |
| Cash dividends | $100,000 | 4,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $182,000 | 6,957 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $490,000 | 7,785 |
| Total interest expense | $272,000 | 6,237 |
| Net interest income | $218,000 | 8,451 |
| Provision for loan and lease losses | $3,000 | 6,662 |
| Total noninterest income | $41,000 | 7,709 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $36,000 | 5,904 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,000 | 8,460 |
| Total noninterest expense | $127,000 | 8,918 |
| Salaries and employee benefits | $56,000 | 9,064 |
| Premises and equipment expense | $8,000 | 9,060 |
| Additional noninterest expense | $63,000 | 8,130 |
| Pre-tax net operating income | $129,000 | 6,771 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $41,000 | 5,361 |
| Income before extraordinary items | $88,000 | 7,121 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $88,000 | 7,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $100,000 | 2,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $88,000 | 6,970 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,070,000 | 7,771 |
| Total interest expense | $1,188,000 | 6,464 |
| Net interest income | $882,000 | 8,451 |
| Provision for loan and lease losses | $36,000 | 7,011 |
| Total noninterest income | $150,000 | 7,827 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $138,000 | 5,996 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $12,000 | 8,821 |
| Total noninterest expense | $496,000 | 9,000 |
| Salaries and employee benefits | $234,000 | 9,090 |
| Premises and equipment expense | $40,000 | 9,054 |
| Additional noninterest expense | $222,000 | 8,395 |
| Pre-tax net operating income | $500,000 | 6,760 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $160,000 | 5,437 |
| Income before extraordinary items | $340,000 | 7,128 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $340,000 | 7,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,572 |
| Cash dividends | $200,000 | 4,872 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $340,000 | 7,016 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,139,000 | 8,078 |
| Total interest expense | $1,443,000 | 7,091 |
| Net interest income | $696,000 | 8,858 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $134,000 | 8,049 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $120,000 | 6,247 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $14,000 | 8,971 |
| Total noninterest expense | $412,000 | 9,344 |
| Salaries and employee benefits | $215,000 | 9,361 |
| Premises and equipment expense | $35,000 | 9,354 |
| Additional noninterest expense | $162,000 | 8,973 |
| Pre-tax net operating income | $418,000 | 6,897 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $129,000 | 5,671 |
| Income before extraordinary items | $289,000 | 7,213 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $289,000 | 7,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,867 |
| Cash dividends | $200,000 | 4,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $289,000 | 7,089 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,195,000 | 8,235 |
| Total interest expense | $1,389,000 | 7,370 |
| Net interest income | $806,000 | 8,885 |
| Provision for loan and lease losses | $6,000 | 8,107 |
| Total noninterest income | $114,000 | 8,392 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 6,453 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 9,518 |
| Total noninterest expense | $389,000 | 9,619 |
| Salaries and employee benefits | $206,000 | 9,613 |
| Premises and equipment expense | $38,000 | 9,581 |
| Additional noninterest expense | $145,000 | 9,275 |
| Pre-tax net operating income | $525,000 | 6,879 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $181,000 | 5,591 |
| Income before extraordinary items | $344,000 | 7,189 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $344,000 | 7,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $200,000 | 5,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $344,000 | 7,182 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,982,000 | 8,525 |
| Total interest expense | $1,275,000 | 7,459 |
| Net interest income | $707,000 | 9,262 |
| Provision for loan and lease losses | $4,000 | 8,376 |
| Total noninterest income | $100,000 | 8,822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $92,000 | 6,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 9,823 |
| Total noninterest expense | $387,000 | 9,906 |
| Salaries and employee benefits | $197,000 | 9,928 |
| Premises and equipment expense | $46,000 | 9,708 |
| Additional noninterest expense | $144,000 | 9,568 |
| Pre-tax net operating income | $416,000 | 7,514 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $140,000 | 6,401 |
| Income before extraordinary items | $276,000 | 7,756 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $276,000 | 7,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 9,311 |
| Cash dividends | $400,000 | 3,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $276,000 | 7,732 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,909,000 | 8,791 |
| Total interest expense | $1,192,000 | 7,929 |
| Net interest income | $717,000 | 9,456 |
| Provision for loan and lease losses | $19,000 | 7,809 |
| Total noninterest income | $74,000 | 9,450 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 7,708 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 9,931 |
| Total noninterest expense | $380,000 | 10,107 |
| Salaries and employee benefits | $186,000 | 10,164 |
| Premises and equipment expense | $46,000 | 9,908 |
| Additional noninterest expense | $148,000 | 9,677 |
| Pre-tax net operating income | $392,000 | 7,924 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $141,000 | 6,963 |
| Income before extraordinary items | $253,000 | 8,233 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $253,000 | 8,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 9,508 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $251,720 | 8,169 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,751,000 | 9,358 |
| Total interest expense | $1,088,000 | 8,439 |
| Net interest income | $663,000 | 10,031 |
| Provision for loan and lease losses | $30,000 | 7,369 |
| Total noninterest income | $69,000 | 9,962 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 7,983 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 10,761 |
| Total noninterest expense | $332,000 | 10,635 |
| Salaries and employee benefits | $173,000 | 10,645 |
| Premises and equipment expense | $39,000 | 10,459 |
| Additional noninterest expense | $120,000 | 10,343 |
| Pre-tax net operating income | $370,000 | 8,610 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $132,000 | 7,884 |
| Income before extraordinary items | $238,000 | 8,849 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $238,000 | 8,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,963 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $238,000 | 8,816 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,647,000 | 9,904 |
| Total interest expense | $1,103,000 | 8,687 |
| Net interest income | $544,000 | 10,787 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $73,000 | 10,411 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $68,000 | 8,315 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 11,207 |
| Total noninterest expense | $334,000 | 11,150 |
| Salaries and employee benefits | $161,000 | 11,192 |
| Premises and equipment expense | $45,000 | 10,780 |
| Additional noninterest expense | $128,000 | 10,819 |
| Pre-tax net operating income | $283,000 | 9,242 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $105,000 | 8,669 |
| Income before extraordinary items | $178,000 | 9,501 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $178,000 | 9,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,503 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $178,000 | 9,445 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,581,000 | 10,381 |
| Total interest expense | $1,025,000 | 9,164 |
| Net interest income | $556,000 | 11,251 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $60,000 | 11,165 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $55,000 | 9,088 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 11,753 |
| Total noninterest expense | $326,000 | 11,652 |
| Salaries and employee benefits | $150,000 | 11,740 |
| Premises and equipment expense | $44,000 | 11,264 |
| Additional noninterest expense | $132,000 | 11,291 |
| Pre-tax net operating income | $290,000 | 9,823 |
| Securities gains (losses) | $-36,000 | 10,960 |
| Applicable income taxes | $92,000 | 9,345 |
| Income before extraordinary items | $162,000 | 10,346 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $162,000 | 10,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $185,040 | 10,077 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,466,000 | 10,804 |
| Total interest expense | $792,000 | 9,643 |
| Net interest income | $674,000 | 11,473 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $49,000 | 11,955 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 9,835 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 12,453 |
| Total noninterest expense | $326,000 | 12,277 |
| Salaries and employee benefits | $134,000 | 12,421 |
| Premises and equipment expense | $51,000 | 11,600 |
| Additional noninterest expense | $141,000 | 11,905 |
| Pre-tax net operating income | $397,000 | 9,400 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $139,000 | 8,530 |
| Income before extraordinary items | $258,000 | 9,607 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $258,000 | 9,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,077 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $258,000 | 9,664 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,333,000 | 11,606 |
| Total interest expense | $707,000 | 10,545 |
| Net interest income | $626,000 | 12,123 |
| Provision for loan and lease losses | $16,000 | 9,322 |
| Total noninterest income | $53,000 | 12,462 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 10,201 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 12,927 |
| Total noninterest expense | $296,000 | 12,995 |
| Salaries and employee benefits | $125,000 | 13,102 |
| Premises and equipment expense | $44,000 | 12,403 |
| Additional noninterest expense | $127,000 | 12,689 |
| Pre-tax net operating income | $367,000 | 9,673 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $136,000 | 8,950 |
| Income before extraordinary items | $231,000 | 10,259 |
| Extraordinary gains, net | $6,000 | 3,038 |
| Net income | $237,000 | 10,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 11,050 |
| Cash dividends | $50,000 | 7,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $231,000 | 10,012 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,134,000 | 12,758 |
| Total interest expense | $600,000 | 12,290 |
| Net interest income | $534,000 | 12,952 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $30,000 | 13,538 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 11,579 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 12,651 |
| Total noninterest expense | $291,000 | 13,586 |
| Salaries and employee benefits | $111,000 | 13,748 |
| Premises and equipment expense | $52,000 | 12,611 |
| Additional noninterest expense | $128,000 | 13,232 |
| Pre-tax net operating income | $273,000 | 10,393 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $83,000 | 10,366 |
| Income before extraordinary items | $190,000 | 10,736 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $190,000 | 10,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 9,428 |
| Cash dividends | $50,000 | 7,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $190,000 | 10,404 |
* 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.