Home > First Capital Bank > Income and Expense
First Capital Bank, Income and Expense
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $25,746,000 | 1,009 |
| Total interest expense | $4,576,000 | 612 |
| Net interest income | $21,170,000 | 1,080 |
| Provision for loan and lease losses | $-345,000 | 5,896 |
| Total noninterest income | $1,083,000 | 2,934 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $309,000 | 2,966 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $774,000 | 2,695 |
| Total noninterest expense | $19,140,000 | 1,067 |
| Salaries and employee benefits | $8,129,000 | 1,333 |
| Premises and equipment expense | $1,624,000 | 1,422 |
| Additional noninterest expense | $9,387,000 | 711 |
| Pre-tax net operating income | $3,458,000 | 2,084 |
| Securities gains (losses) | $120,000 | 1,063 |
| Applicable income taxes | $1,451,000 | 1,262 |
| Income before extraordinary items | $2,127,000 | 2,608 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $2,127,000 | 2,608 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $2,127,000 | 2,610 |
| Net charge-offs | $-155,000 | 5,816 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $2,050,200 | 2,635 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $19,250,000 | 1,021 |
| Total interest expense | $3,432,000 | 612 |
| Net interest income | $15,818,000 | 1,089 |
| Provision for loan and lease losses | $-145,000 | 5,955 |
| Total noninterest income | $1,067,000 | 2,577 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $226,000 | 3,037 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $841,000 | 2,242 |
| Total noninterest expense | $11,376,000 | 1,304 |
| Salaries and employee benefits | $6,173,000 | 1,327 |
| Premises and equipment expense | $1,223,000 | 1,419 |
| Additional noninterest expense | $3,980,000 | 1,213 |
| Pre-tax net operating income | $5,654,000 | 1,144 |
| Securities gains (losses) | $120,000 | 927 |
| Applicable income taxes | $1,867,000 | 885 |
| Income before extraordinary items | $3,907,000 | 1,326 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,907,000 | 1,326 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $3,907,000 | 1,326 |
| Net charge-offs | $-137,000 | 5,875 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $3,825,400 | 1,311 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $12,693,000 | 1,025 |
| Total interest expense | $2,267,000 | 614 |
| Net interest income | $10,426,000 | 1,095 |
| Provision for loan and lease losses | $-145,000 | 6,091 |
| Total noninterest income | $592,000 | 2,837 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $148,000 | 3,052 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $444,000 | 2,547 |
| Total noninterest expense | $7,543,000 | 1,313 |
| Salaries and employee benefits | $3,992,000 | 1,373 |
| Premises and equipment expense | $811,000 | 1,445 |
| Additional noninterest expense | $2,740,000 | 1,172 |
| Pre-tax net operating income | $3,620,000 | 1,172 |
| Securities gains (losses) | $71,000 | 1,021 |
| Applicable income taxes | $1,194,000 | 910 |
| Income before extraordinary items | $2,497,000 | 1,344 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,497,000 | 1,345 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $2,497,000 | 1,345 |
| Net charge-offs | $-136,000 | 5,987 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $2,448,720 | 1,326 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $6,288,000 | 1,032 |
| Total interest expense | $1,101,000 | 639 |
| Net interest income | $5,187,000 | 1,097 |
| Provision for loan and lease losses | $-145,000 | 6,233 |
| Total noninterest income | $217,000 | 3,292 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $77,000 | 2,944 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $140,000 | 3,127 |
| Total noninterest expense | $3,853,000 | 1,296 |
| Salaries and employee benefits | $2,114,000 | 1,306 |
| Premises and equipment expense | $407,000 | 1,462 |
| Additional noninterest expense | $1,332,000 | 1,194 |
| Pre-tax net operating income | $1,696,000 | 1,201 |
| Securities gains (losses) | $70,000 | 713 |
| Applicable income taxes | $570,000 | 930 |
| Income before extraordinary items | $1,196,000 | 1,380 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $1,196,000 | 1,382 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $1,196,000 | 1,382 |
| Net charge-offs | $-145,000 | 6,194 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $1,148,400 | 1,376 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $24,528,000 | 1,044 |
| Total interest expense | $4,732,000 | 603 |
| Net interest income | $19,796,000 | 1,137 |
| Provision for loan and lease losses | $-352,000 | 6,212 |
| Total noninterest income | $1,486,000 | 2,521 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $332,000 | 3,022 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,154,000 | 2,134 |
| Total noninterest expense | $14,748,000 | 1,327 |
| Salaries and employee benefits | $8,270,000 | 1,290 |
| Premises and equipment expense | $1,424,000 | 1,641 |
| Additional noninterest expense | $5,054,000 | 1,289 |
| Pre-tax net operating income | $6,886,000 | 1,174 |
| Securities gains (losses) | $425,000 | 466 |
| Applicable income taxes | $2,324,000 | 877 |
| Income before extraordinary items | $4,987,000 | 1,316 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $4,987,000 | 1,315 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $4,987,000 | 1,315 |
| Net charge-offs | $-61,000 | 6,035 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 814 |
| Net operating income | $4,698,000 | 1,352 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $18,243,000 | 1,061 |
| Total interest expense | $3,595,000 | 608 |
| Net interest income | $14,648,000 | 1,159 |
| Provision for loan and lease losses | $-352,000 | 6,348 |
| Total noninterest income | $1,123,000 | 2,539 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $254,000 | 3,025 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $869,000 | 2,127 |
| Total noninterest expense | $11,270,000 | 1,320 |
| Salaries and employee benefits | $6,336,000 | 1,269 |
| Premises and equipment expense | $1,080,000 | 1,638 |
| Additional noninterest expense | $3,854,000 | 1,263 |
| Pre-tax net operating income | $4,853,000 | 1,253 |
| Securities gains (losses) | $352,000 | 425 |
| Applicable income taxes | $1,638,000 | 932 |
| Income before extraordinary items | $3,567,000 | 1,360 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,567,000 | 1,359 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $3,567,000 | 1,360 |
| Net charge-offs | $-90,000 | 6,180 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 766 |
| Net operating income | $3,324,120 | 1,421 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $11,997,000 | 1,068 |
| Total interest expense | $2,398,000 | 609 |
| Net interest income | $9,599,000 | 1,174 |
| Provision for loan and lease losses | $-292,000 | 6,447 |
| Total noninterest income | $757,000 | 2,484 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $167,000 | 3,024 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $590,000 | 2,081 |
| Total noninterest expense | $7,566,000 | 1,313 |
| Salaries and employee benefits | $4,259,000 | 1,260 |
| Premises and equipment expense | $701,000 | 1,697 |
| Additional noninterest expense | $2,606,000 | 1,243 |
| Pre-tax net operating income | $3,082,000 | 1,262 |
| Securities gains (losses) | $271,000 | 393 |
| Applicable income taxes | $1,046,000 | 938 |
| Income before extraordinary items | $2,307,000 | 1,360 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,307,000 | 1,361 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $2,307,000 | 1,362 |
| Net charge-offs | $-21,000 | 5,911 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 712 |
| Net operating income | $2,120,010 | 1,429 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $5,918,000 | 1,083 |
| Total interest expense | $1,193,000 | 620 |
| Net interest income | $4,725,000 | 1,185 |
| Provision for loan and lease losses | $-292,000 | 6,599 |
| Total noninterest income | $394,000 | 2,392 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $80,000 | 3,076 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $314,000 | 1,941 |
| Total noninterest expense | $3,846,000 | 1,306 |
| Salaries and employee benefits | $2,257,000 | 1,218 |
| Premises and equipment expense | $341,000 | 1,763 |
| Additional noninterest expense | $1,248,000 | 1,287 |
| Pre-tax net operating income | $1,565,000 | 1,207 |
| Securities gains (losses) | $96,000 | 458 |
| Applicable income taxes | $511,000 | 919 |
| Income before extraordinary items | $1,150,000 | 1,317 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,150,000 | 1,318 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $1,150,000 | 1,319 |
| Net charge-offs | $-146,000 | 6,545 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 626 |
| Net operating income | $1,083,760 | 1,375 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $23,093,000 | 1,107 |
| Total interest expense | $5,048,000 | 659 |
| Net interest income | $18,045,000 | 1,222 |
| Provision for loan and lease losses | $-186,000 | 6,453 |
| Total noninterest income | $2,179,000 | 2,032 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $354,000 | 3,067 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,825,000 | 1,628 |
| Total noninterest expense | $14,380,000 | 1,377 |
| Salaries and employee benefits | $8,351,000 | 1,275 |
| Premises and equipment expense | $1,363,000 | 1,720 |
| Additional noninterest expense | $4,666,000 | 1,429 |
| Pre-tax net operating income | $6,030,000 | 1,226 |
| Securities gains (losses) | $329,000 | 651 |
| Applicable income taxes | $1,949,000 | 923 |
| Income before extraordinary items | $4,410,000 | 1,366 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,410,000 | 1,369 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $4,410,000 | 1,369 |
| Net charge-offs | $-1,082,000 | 6,781 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 679 |
| Net operating income | $4,182,990 | 1,412 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $17,087,000 | 1,130 |
| Total interest expense | $3,820,000 | 676 |
| Net interest income | $13,267,000 | 1,243 |
| Provision for loan and lease losses | $14,000 | 4,644 |
| Total noninterest income | $1,755,000 | 1,980 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $268,000 | 3,071 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,487,000 | 1,559 |
| Total noninterest expense | $10,603,000 | 1,396 |
| Salaries and employee benefits | $5,974,000 | 1,336 |
| Premises and equipment expense | $1,061,000 | 1,674 |
| Additional noninterest expense | $3,568,000 | 1,400 |
| Pre-tax net operating income | $4,405,000 | 1,281 |
| Securities gains (losses) | $169,000 | 903 |
| Applicable income taxes | $1,397,000 | 984 |
| Income before extraordinary items | $3,177,000 | 1,427 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $3,177,000 | 1,429 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $3,177,000 | 1,429 |
| Net charge-offs | $-1,308,000 | 6,870 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 627 |
| Net operating income | $3,060,390 | 1,445 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $11,307,000 | 1,135 |
| Total interest expense | $2,605,000 | 675 |
| Net interest income | $8,702,000 | 1,250 |
| Provision for loan and lease losses | $100,000 | 2,924 |
| Total noninterest income | $1,126,000 | 2,063 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $175,000 | 3,069 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $951,000 | 1,639 |
| Total noninterest expense | $7,050,000 | 1,395 |
| Salaries and employee benefits | $3,933,000 | 1,353 |
| Premises and equipment expense | $707,000 | 1,674 |
| Additional noninterest expense | $2,410,000 | 1,370 |
| Pre-tax net operating income | $2,678,000 | 1,363 |
| Securities gains (losses) | $176,000 | 800 |
| Applicable income taxes | $850,000 | 1,055 |
| Income before extraordinary items | $2,004,000 | 1,497 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,004,000 | 1,500 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $2,004,000 | 1,502 |
| Net charge-offs | $-1,213,000 | 6,926 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 578 |
| Net operating income | $1,880,800 | 1,546 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $5,612,000 | 1,147 |
| Total interest expense | $1,345,000 | 671 |
| Net interest income | $4,267,000 | 1,267 |
| Provision for loan and lease losses | $100,000 | 2,044 |
| Total noninterest income | $471,000 | 2,317 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $87,000 | 3,070 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $384,000 | 1,910 |
| Total noninterest expense | $3,443,000 | 1,438 |
| Salaries and employee benefits | $1,966,000 | 1,359 |
| Premises and equipment expense | $345,000 | 1,737 |
| Additional noninterest expense | $1,132,000 | 1,440 |
| Pre-tax net operating income | $1,195,000 | 1,480 |
| Securities gains (losses) | $31,000 | 1,120 |
| Applicable income taxes | $356,000 | 1,176 |
| Income before extraordinary items | $870,000 | 1,668 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $870,000 | 1,669 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $870,000 | 1,670 |
| Net charge-offs | $-98,000 | 6,837 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 467 |
| Net operating income | $847,990 | 1,640 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $23,010,000 | 1,160 |
| Total interest expense | $6,577,000 | 653 |
| Net interest income | $16,433,000 | 1,327 |
| Provision for loan and lease losses | $9,196,000 | 296 |
| Total noninterest income | $243,000 | 5,484 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $377,000 | 3,059 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-134,000 | 6,765 |
| Total noninterest expense | $16,761,000 | 1,211 |
| Salaries and employee benefits | $7,585,000 | 1,355 |
| Premises and equipment expense | $1,406,000 | 1,673 |
| Additional noninterest expense | $7,770,000 | 893 |
| Pre-tax net operating income | $-9,281,000 | 7,021 |
| Securities gains (losses) | $79,000 | 2,444 |
| Applicable income taxes | $-3,258,000 | 7,034 |
| Income before extraordinary items | $-5,944,000 | 6,983 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-5,944,000 | 6,982 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-5,944,000 | 6,982 |
| Net charge-offs | $11,198,000 | 287 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $117,000 | 538 |
| Net operating income | $-5,995,350 | 6,970 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $17,300,000 | 1,174 |
| Total interest expense | $5,132,000 | 654 |
| Net interest income | $12,168,000 | 1,359 |
| Provision for loan and lease losses | $9,031,000 | 238 |
| Total noninterest income | $-326,000 | 7,083 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $283,000 | 3,084 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-609,000 | 7,096 |
| Total noninterest expense | $13,136,000 | 1,144 |
| Salaries and employee benefits | $5,699,000 | 1,359 |
| Premises and equipment expense | $1,066,000 | 1,662 |
| Additional noninterest expense | $6,371,000 | 820 |
| Pre-tax net operating income | $-10,325,000 | 7,146 |
| Securities gains (losses) | $79,000 | 2,147 |
| Applicable income taxes | $-3,645,000 | 7,146 |
| Income before extraordinary items | $-6,601,000 | 7,121 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-6,601,000 | 7,122 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-6,601,000 | 7,121 |
| Net charge-offs | $11,094,000 | 240 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $90,000 | 486 |
| Net operating income | $-6,651,560 | 7,110 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $11,602,000 | 1,179 |
| Total interest expense | $3,647,000 | 637 |
| Net interest income | $7,955,000 | 1,389 |
| Provision for loan and lease losses | $8,875,000 | 185 |
| Total noninterest income | $-942,000 | 7,213 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $185,000 | 3,122 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-1,127,000 | 7,212 |
| Total noninterest expense | $9,644,000 | 1,036 |
| Salaries and employee benefits | $3,831,000 | 1,345 |
| Premises and equipment expense | $706,000 | 1,681 |
| Additional noninterest expense | $5,107,000 | 681 |
| Pre-tax net operating income | $-11,506,000 | 7,228 |
| Securities gains (losses) | $27,000 | 2,373 |
| Applicable income taxes | $-4,033,000 | 7,226 |
| Income before extraordinary items | $-7,446,000 | 7,205 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-7,446,000 | 7,205 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-7,446,000 | 7,205 |
| Net charge-offs | $10,893,000 | 180 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 476 |
| Net operating income | $-7,463,550 | 7,204 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $5,819,000 | 1,189 |
| Total interest expense | $1,860,000 | 642 |
| Net interest income | $3,959,000 | 1,400 |
| Provision for loan and lease losses | $565,000 | 982 |
| Total noninterest income | $189,000 | 3,758 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $87,000 | 3,218 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $102,000 | 3,682 |
| Total noninterest expense | $3,271,000 | 1,497 |
| Salaries and employee benefits | $1,730,000 | 1,479 |
| Premises and equipment expense | $359,000 | 1,662 |
| Additional noninterest expense | $1,182,000 | 1,429 |
| Pre-tax net operating income | $312,000 | 3,766 |
| Securities gains (losses) | $27,000 | 1,477 |
| Applicable income taxes | $17,000 | 3,745 |
| Income before extraordinary items | $322,000 | 3,502 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $322,000 | 3,505 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $322,000 | 3,505 |
| Net charge-offs | $1,834,000 | 423 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 430 |
| Net operating income | $296,350 | 3,517 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $24,324,000 | 1,170 |
| Total interest expense | $8,281,000 | 698 |
| Net interest income | $16,043,000 | 1,385 |
| Provision for loan and lease losses | $9,441,000 | 439 |
| Total noninterest income | $254,000 | 5,443 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $323,000 | 3,452 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-69,000 | 6,852 |
| Total noninterest expense | $12,609,000 | 1,548 |
| Salaries and employee benefits | $6,398,000 | 1,543 |
| Premises and equipment expense | $1,409,000 | 1,761 |
| Additional noninterest expense | $4,802,000 | 1,434 |
| Pre-tax net operating income | $-5,753,000 | 7,097 |
| Securities gains (losses) | $1,079,000 | 413 |
| Applicable income taxes | $-1,788,000 | 7,243 |
| Income before extraordinary items | $-2,886,000 | 6,940 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,886,000 | 6,941 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-2,886,000 | 6,941 |
| Net charge-offs | $11,206,000 | 407 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $126,000 | 609 |
| Net operating income | $-3,576,560 | 6,975 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $18,403,000 | 1,179 |
| Total interest expense | $6,296,000 | 722 |
| Net interest income | $12,107,000 | 1,377 |
| Provision for loan and lease losses | $8,572,000 | 361 |
| Total noninterest income | $410,000 | 4,273 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $238,000 | 3,498 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $172,000 | 4,316 |
| Total noninterest expense | $9,800,000 | 1,493 |
| Salaries and employee benefits | $4,796,000 | 1,544 |
| Premises and equipment expense | $1,079,000 | 1,748 |
| Additional noninterest expense | $3,925,000 | 1,314 |
| Pre-tax net operating income | $-5,855,000 | 7,261 |
| Securities gains (losses) | $644,000 | 523 |
| Applicable income taxes | $-1,903,000 | 7,358 |
| Income before extraordinary items | $-3,308,000 | 7,174 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,308,000 | 7,173 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-3,308,000 | 7,175 |
| Net charge-offs | $10,582,000 | 334 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $95,000 | 569 |
| Net operating income | $-3,720,160 | 7,187 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $12,349,000 | 1,177 |
| Total interest expense | $4,254,000 | 749 |
| Net interest income | $8,095,000 | 1,373 |
| Provision for loan and lease losses | $3,847,000 | 553 |
| Total noninterest income | $97,000 | 5,892 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $161,000 | 3,463 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-64,000 | 7,153 |
| Total noninterest expense | $6,216,000 | 1,583 |
| Salaries and employee benefits | $3,002,000 | 1,646 |
| Premises and equipment expense | $715,000 | 1,767 |
| Additional noninterest expense | $2,499,000 | 1,401 |
| Pre-tax net operating income | $-1,871,000 | 7,154 |
| Securities gains (losses) | $644,000 | 291 |
| Applicable income taxes | $-496,000 | 7,334 |
| Income before extraordinary items | $-731,000 | 6,945 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-731,000 | 6,944 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-731,000 | 6,945 |
| Net charge-offs | $4,730,000 | 490 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $59,000 | 508 |
| Net operating income | $-1,143,160 | 7,054 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $6,294,000 | 1,161 |
| Total interest expense | $2,160,000 | 772 |
| Net interest income | $4,134,000 | 1,349 |
| Provision for loan and lease losses | $700,000 | 1,128 |
| Total noninterest income | $172,000 | 3,883 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $76,000 | 3,534 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $96,000 | 3,641 |
| Total noninterest expense | $2,945,000 | 1,684 |
| Salaries and employee benefits | $1,419,000 | 1,736 |
| Premises and equipment expense | $355,000 | 1,826 |
| Additional noninterest expense | $1,171,000 | 1,490 |
| Pre-tax net operating income | $661,000 | 2,062 |
| Securities gains (losses) | $21,000 | 1,080 |
| Applicable income taxes | $195,000 | 1,539 |
| Income before extraordinary items | $487,000 | 2,300 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $487,000 | 2,299 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $487,000 | 2,300 |
| Net charge-offs | $1,166,000 | 773 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 587 |
| Net operating income | $472,090 | 2,314 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $26,427,000 | 1,172 |
| Total interest expense | $10,131,000 | 798 |
| Net interest income | $16,296,000 | 1,372 |
| Provision for loan and lease losses | $8,221,000 | 788 |
| Total noninterest income | $36,000 | 7,118 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $277,000 | 3,795 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-241,000 | 7,306 |
| Total noninterest expense | $11,725,000 | 1,683 |
| Salaries and employee benefits | $5,777,000 | 1,683 |
| Premises and equipment expense | $718,000 | 3,226 |
| Additional noninterest expense | $5,230,000 | 1,392 |
| Pre-tax net operating income | $-3,614,000 | 6,997 |
| Securities gains (losses) | $281,000 | 1,317 |
| Applicable income taxes | $-1,277,000 | 7,365 |
| Income before extraordinary items | $-2,056,000 | 6,857 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,056,000 | 6,857 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-2,056,000 | 6,858 |
| Net charge-offs | $3,785,000 | 1,265 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 976 |
| Net operating income | $-2,235,840 | 6,868 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $19,900,000 | 1,189 |
| Total interest expense | $7,809,000 | 811 |
| Net interest income | $12,091,000 | 1,407 |
| Provision for loan and lease losses | $7,121,000 | 667 |
| Total noninterest income | $-154,000 | 7,553 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $204,000 | 3,904 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-358,000 | 7,527 |
| Total noninterest expense | $8,776,000 | 1,684 |
| Salaries and employee benefits | $4,281,000 | 1,716 |
| Premises and equipment expense | $554,000 | 3,206 |
| Additional noninterest expense | $3,941,000 | 1,352 |
| Pre-tax net operating income | $-3,960,000 | 7,296 |
| Securities gains (losses) | $216,000 | 1,316 |
| Applicable income taxes | $-1,361,000 | 7,551 |
| Income before extraordinary items | $-2,383,000 | 7,192 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-2,383,000 | 7,191 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-2,383,000 | 7,192 |
| Net charge-offs | $2,698,000 | 1,239 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 915 |
| Net operating income | $-2,521,240 | 7,191 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $13,148,000 | 1,216 |
| Total interest expense | $5,285,000 | 829 |
| Net interest income | $7,863,000 | 1,449 |
| Provision for loan and lease losses | $6,746,000 | 494 |
| Total noninterest income | $-163,000 | 7,673 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $134,000 | 3,924 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-297,000 | 7,647 |
| Total noninterest expense | $5,801,000 | 1,695 |
| Salaries and employee benefits | $2,794,000 | 1,760 |
| Premises and equipment expense | $370,000 | 3,234 |
| Additional noninterest expense | $2,637,000 | 1,353 |
| Pre-tax net operating income | $-4,847,000 | 7,545 |
| Securities gains (losses) | $166,000 | 1,064 |
| Applicable income taxes | $-1,646,000 | 7,679 |
| Income before extraordinary items | $-3,035,000 | 7,450 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,035,000 | 7,450 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-3,035,000 | 7,450 |
| Net charge-offs | $1,865,000 | 1,185 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 848 |
| Net operating income | $-3,142,900 | 7,451 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $6,611,000 | 1,234 |
| Total interest expense | $2,657,000 | 874 |
| Net interest income | $3,954,000 | 1,450 |
| Provision for loan and lease losses | $461,000 | 1,897 |
| Total noninterest income | $-147,000 | 7,824 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $64,000 | 4,014 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-211,000 | 7,811 |
| Total noninterest expense | $2,858,000 | 1,742 |
| Salaries and employee benefits | $1,393,000 | 1,798 |
| Premises and equipment expense | $215,000 | 2,948 |
| Additional noninterest expense | $1,250,000 | 1,420 |
| Pre-tax net operating income | $488,000 | 2,453 |
| Securities gains (losses) | $25,000 | 1,431 |
| Applicable income taxes | $150,000 | 1,733 |
| Income before extraordinary items | $363,000 | 2,736 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $363,000 | 2,734 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $363,000 | 2,736 |
| Net charge-offs | $261,000 | 2,180 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 775 |
| Net operating income | $345,250 | 2,730 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $25,402,000 | 1,344 |
| Total interest expense | $12,770,000 | 926 |
| Net interest income | $12,632,000 | 1,763 |
| Provision for loan and lease losses | $2,285,000 | 2,306 |
| Total noninterest income | $695,000 | 4,076 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $257,000 | 4,184 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $438,000 | 3,415 |
| Total noninterest expense | $10,296,000 | 1,967 |
| Salaries and employee benefits | $4,774,000 | 2,062 |
| Premises and equipment expense | $799,000 | 3,127 |
| Additional noninterest expense | $4,723,000 | 1,582 |
| Pre-tax net operating income | $746,000 | 3,460 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $226,000 | 2,278 |
| Income before extraordinary items | $520,000 | 3,813 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $520,000 | 3,811 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $520,000 | 3,812 |
| Net charge-offs | $745,000 | 3,280 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $156,000 | 774 |
| Net operating income | $520,000 | 3,757 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $18,630,000 | 1,406 |
| Total interest expense | $9,837,000 | 948 |
| Net interest income | $8,793,000 | 1,883 |
| Provision for loan and lease losses | $1,690,000 | 2,093 |
| Total noninterest income | $537,000 | 4,088 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $193,000 | 4,188 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $344,000 | 3,414 |
| Total noninterest expense | $7,592,000 | 1,981 |
| Salaries and employee benefits | $3,515,000 | 2,112 |
| Premises and equipment expense | $618,000 | 3,081 |
| Additional noninterest expense | $3,459,000 | 1,556 |
| Pre-tax net operating income | $48,000 | 5,493 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-1,000 | 6,565 |
| Income before extraordinary items | $49,000 | 5,566 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $49,000 | 5,566 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $49,000 | 5,566 |
| Net charge-offs | $433,000 | 3,237 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $124,000 | 689 |
| Net operating income | $49,000 | 5,506 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $12,140,000 | 1,473 |
| Total interest expense | $6,670,000 | 993 |
| Net interest income | $5,470,000 | 1,998 |
| Provision for loan and lease losses | $1,310,000 | 1,770 |
| Total noninterest income | $385,000 | 3,924 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $123,000 | 4,258 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $262,000 | 3,227 |
| Total noninterest expense | $5,128,000 | 1,988 |
| Salaries and employee benefits | $2,327,000 | 2,166 |
| Premises and equipment expense | $413,000 | 3,095 |
| Additional noninterest expense | $2,388,000 | 1,532 |
| Pre-tax net operating income | $-583,000 | 6,709 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-206,000 | 7,307 |
| Income before extraordinary items | $-377,000 | 6,627 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-377,000 | 6,628 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-377,000 | 6,628 |
| Net charge-offs | $325,000 | 2,842 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $86,000 | 643 |
| Net operating income | $-377,000 | 6,611 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,875,000 | 1,545 |
| Total interest expense | $3,293,000 | 1,053 |
| Net interest income | $2,582,000 | 2,119 |
| Provision for loan and lease losses | $215,000 | 2,756 |
| Total noninterest income | $180,000 | 4,025 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $61,000 | 4,216 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $119,000 | 3,373 |
| Total noninterest expense | $2,351,000 | 2,105 |
| Salaries and employee benefits | $1,185,000 | 2,151 |
| Premises and equipment expense | $207,000 | 3,135 |
| Additional noninterest expense | $959,000 | 1,693 |
| Pre-tax net operating income | $196,000 | 4,076 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $66,000 | 2,614 |
| Income before extraordinary items | $130,000 | 4,577 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $130,000 | 4,581 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $130,000 | 4,581 |
| Net charge-offs | $195,000 | 2,156 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 541 |
| Net operating income | $130,000 | 4,413 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $24,045,000 | 1,608 |
| Total interest expense | $12,961,000 | 1,257 |
| Net interest income | $11,084,000 | 2,005 |
| Provision for loan and lease losses | $2,925,000 | 1,417 |
| Total noninterest income | $736,000 | 4,026 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $248,000 | 4,373 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $488,000 | 3,214 |
| Total noninterest expense | $8,559,000 | 2,236 |
| Salaries and employee benefits | $4,270,000 | 2,365 |
| Premises and equipment expense | $852,000 | 3,020 |
| Additional noninterest expense | $3,437,000 | 1,784 |
| Pre-tax net operating income | $336,000 | 5,330 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $147,000 | 3,086 |
| Income before extraordinary items | $189,000 | 5,527 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $189,000 | 5,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $353,000 | 3,307 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $158,000 | 844 |
| Net operating income | $189,000 | 5,678 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $17,998,000 | 1,650 |
| Total interest expense | $9,629,000 | 1,325 |
| Net interest income | $8,369,000 | 2,015 |
| Provision for loan and lease losses | $2,042,000 | 1,170 |
| Total noninterest income | $546,000 | 4,151 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $184,000 | 4,421 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $362,000 | 3,348 |
| Total noninterest expense | $6,331,000 | 2,266 |
| Salaries and employee benefits | $3,142,000 | 2,430 |
| Premises and equipment expense | $643,000 | 3,019 |
| Additional noninterest expense | $2,546,000 | 1,748 |
| Pre-tax net operating income | $542,000 | 4,808 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $211,000 | 2,847 |
| Income before extraordinary items | $331,000 | 5,082 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $331,000 | 5,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,630 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $116,000 | 732 |
| Net operating income | $331,000 | 5,244 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $11,893,000 | 1,694 |
| Total interest expense | $6,352,000 | 1,388 |
| Net interest income | $5,541,000 | 2,014 |
| Provision for loan and lease losses | $635,000 | 1,641 |
| Total noninterest income | $366,000 | 4,194 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $124,000 | 4,405 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $242,000 | 3,411 |
| Total noninterest expense | $4,032,000 | 2,361 |
| Salaries and employee benefits | $2,077,000 | 2,481 |
| Premises and equipment expense | $419,000 | 3,082 |
| Additional noninterest expense | $1,536,000 | 1,875 |
| Pre-tax net operating income | $1,240,000 | 2,533 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $439,000 | 1,752 |
| Income before extraordinary items | $801,000 | 3,044 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $801,000 | 3,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,681 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $79,000 | 639 |
| Net operating income | $801,000 | 2,996 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,024,000 | 1,711 |
| Total interest expense | $3,212,000 | 1,462 |
| Net interest income | $2,812,000 | 1,984 |
| Provision for loan and lease losses | $325,000 | 1,299 |
| Total noninterest income | $170,000 | 4,322 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $64,000 | 4,316 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $106,000 | 3,660 |
| Total noninterest expense | $2,005,000 | 2,364 |
| Salaries and employee benefits | $1,040,000 | 2,497 |
| Premises and equipment expense | $205,000 | 3,161 |
| Additional noninterest expense | $760,000 | 1,853 |
| Pre-tax net operating income | $652,000 | 2,550 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $231,000 | 1,776 |
| Income before extraordinary items | $421,000 | 3,085 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $421,000 | 3,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,652 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 520 |
| Net operating income | $421,000 | 3,002 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $20,356,000 | 2,058 |
| Total interest expense | $10,313,000 | 1,909 |
| Net interest income | $10,043,000 | 2,235 |
| Provision for loan and lease losses | $676,000 | 1,892 |
| Total noninterest income | $769,000 | 4,086 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $221,000 | 4,701 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $548,000 | 3,163 |
| Total noninterest expense | $7,256,000 | 2,502 |
| Salaries and employee benefits | $3,812,000 | 2,603 |
| Premises and equipment expense | $740,000 | 3,290 |
| Additional noninterest expense | $2,704,000 | 2,033 |
| Pre-tax net operating income | $2,880,000 | 2,551 |
| Securities gains (losses) | $29,000 | 982 |
| Applicable income taxes | $1,007,000 | 1,855 |
| Income before extraordinary items | $1,902,000 | 2,927 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,902,000 | 2,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,475 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $82,000 | 979 |
| Net operating income | $1,883,150 | 2,945 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $14,604,000 | 2,140 |
| Total interest expense | $7,445,000 | 1,962 |
| Net interest income | $7,159,000 | 2,343 |
| Provision for loan and lease losses | $438,000 | 1,751 |
| Total noninterest income | $523,000 | 4,302 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $158,000 | 4,809 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $365,000 | 3,376 |
| Total noninterest expense | $5,159,000 | 2,612 |
| Salaries and employee benefits | $2,702,000 | 2,721 |
| Premises and equipment expense | $559,000 | 3,252 |
| Additional noninterest expense | $1,898,000 | 2,107 |
| Pre-tax net operating income | $2,085,000 | 2,753 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $724,000 | 2,038 |
| Income before extraordinary items | $1,361,000 | 3,181 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,361,000 | 3,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,450 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 919 |
| Net operating income | $1,361,000 | 3,164 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,325,000 | 2,230 |
| Total interest expense | $4,862,000 | 1,996 |
| Net interest income | $4,463,000 | 2,504 |
| Provision for loan and lease losses | $252,000 | 1,778 |
| Total noninterest income | $351,000 | 4,311 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $99,000 | 4,965 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $252,000 | 3,326 |
| Total noninterest expense | $3,293,000 | 2,741 |
| Salaries and employee benefits | $1,755,000 | 2,833 |
| Premises and equipment expense | $372,000 | 3,273 |
| Additional noninterest expense | $1,166,000 | 2,280 |
| Pre-tax net operating income | $1,269,000 | 2,999 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $439,000 | 2,247 |
| Income before extraordinary items | $830,000 | 3,444 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $830,000 | 3,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,632 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 863 |
| Net operating income | $830,000 | 3,417 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,504,000 | 2,306 |
| Total interest expense | $2,348,000 | 2,041 |
| Net interest income | $2,156,000 | 2,585 |
| Provision for loan and lease losses | $122,000 | 1,737 |
| Total noninterest income | $164,000 | 4,431 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $50,000 | 4,884 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $114,000 | 3,521 |
| Total noninterest expense | $1,572,000 | 2,864 |
| Salaries and employee benefits | $819,000 | 3,025 |
| Premises and equipment expense | $270,000 | 2,411 |
| Additional noninterest expense | $483,000 | 2,697 |
| Pre-tax net operating income | $626,000 | 3,029 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $218,000 | 2,276 |
| Income before extraordinary items | $408,000 | 3,447 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $408,000 | 3,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 742 |
| Net operating income | $408,000 | 3,423 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $15,263,000 | 2,520 |
| Total interest expense | $7,590,000 | 2,138 |
| Net interest income | $7,673,000 | 2,860 |
| Provision for loan and lease losses | $404,000 | 2,242 |
| Total noninterest income | $462,000 | 5,310 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $166,000 | 5,341 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $296,000 | 4,323 |
| Total noninterest expense | $5,211,000 | 3,241 |
| Salaries and employee benefits | $2,606,000 | 3,502 |
| Premises and equipment expense | $925,000 | 2,655 |
| Additional noninterest expense | $1,680,000 | 2,994 |
| Pre-tax net operating income | $2,520,000 | 3,114 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $851,000 | 2,393 |
| Income before extraordinary items | $1,669,000 | 3,525 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,669,000 | 3,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,672 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $4,500,000 | 327 |
| Net operating income | $1,669,000 | 3,505 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,036,000 | 2,584 |
| Total interest expense | $5,450,000 | 2,170 |
| Net interest income | $5,586,000 | 2,968 |
| Provision for loan and lease losses | $284,000 | 2,259 |
| Total noninterest income | $300,000 | 5,636 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $116,000 | 5,535 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $184,000 | 4,707 |
| Total noninterest expense | $3,762,000 | 3,338 |
| Salaries and employee benefits | $1,850,000 | 3,652 |
| Premises and equipment expense | $682,000 | 2,708 |
| Additional noninterest expense | $1,230,000 | 3,059 |
| Pre-tax net operating income | $1,840,000 | 3,296 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $621,000 | 2,534 |
| Income before extraordinary items | $1,219,000 | 3,705 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,219,000 | 3,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,725 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $4,500,000 | 251 |
| Net operating income | $1,219,000 | 3,686 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,994,000 | 2,650 |
| Total interest expense | $3,354,000 | 2,225 |
| Net interest income | $3,640,000 | 3,039 |
| Provision for loan and lease losses | $229,000 | 1,903 |
| Total noninterest income | $181,000 | 5,843 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $66,000 | 5,810 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $115,000 | 4,830 |
| Total noninterest expense | $2,420,000 | 3,437 |
| Salaries and employee benefits | $1,136,000 | 3,903 |
| Premises and equipment expense | $452,000 | 2,709 |
| Additional noninterest expense | $832,000 | 3,030 |
| Pre-tax net operating income | $1,172,000 | 3,412 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $394,000 | 2,644 |
| Income before extraordinary items | $778,000 | 3,815 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $778,000 | 3,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,027 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $778,000 | 3,810 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,318,000 | 2,725 |
| Total interest expense | $1,546,000 | 2,278 |
| Net interest income | $1,772,000 | 3,102 |
| Provision for loan and lease losses | $106,000 | 1,903 |
| Total noninterest income | $95,000 | 5,710 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $28,000 | 6,029 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $67,000 | 4,504 |
| Total noninterest expense | $1,195,000 | 3,485 |
| Salaries and employee benefits | $568,000 | 3,910 |
| Premises and equipment expense | $236,000 | 2,603 |
| Additional noninterest expense | $391,000 | 3,191 |
| Pre-tax net operating income | $566,000 | 3,460 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $190,000 | 2,679 |
| Income before extraordinary items | $376,000 | 3,847 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $376,000 | 3,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $376,000 | 3,827 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,533,000 | 3,023 |
| Total interest expense | $4,134,000 | 2,577 |
| Net interest income | $6,399,000 | 3,249 |
| Provision for loan and lease losses | $408,000 | 2,247 |
| Total noninterest income | $261,000 | 6,594 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $95,000 | 6,353 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $166,000 | 5,547 |
| Total noninterest expense | $4,271,000 | 3,674 |
| Salaries and employee benefits | $2,016,000 | 4,100 |
| Premises and equipment expense | $862,000 | 2,695 |
| Additional noninterest expense | $1,393,000 | 3,430 |
| Pre-tax net operating income | $1,981,000 | 3,706 |
| Securities gains (losses) | $-11,000 | 7,567 |
| Applicable income taxes | $664,000 | 2,906 |
| Income before extraordinary items | $1,306,000 | 4,134 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,306,000 | 4,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,820 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,313,260 | 4,095 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,433,000 | 3,128 |
| Total interest expense | $2,830,000 | 2,659 |
| Net interest income | $4,603,000 | 3,355 |
| Provision for loan and lease losses | $288,000 | 2,264 |
| Total noninterest income | $197,000 | 6,614 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $65,000 | 6,511 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $132,000 | 5,432 |
| Total noninterest expense | $3,107,000 | 3,740 |
| Salaries and employee benefits | $1,464,000 | 4,168 |
| Premises and equipment expense | $633,000 | 2,732 |
| Additional noninterest expense | $1,010,000 | 3,476 |
| Pre-tax net operating income | $1,405,000 | 3,930 |
| Securities gains (losses) | $-11,000 | 7,939 |
| Applicable income taxes | $469,000 | 3,059 |
| Income before extraordinary items | $925,000 | 4,386 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $925,000 | 4,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,057 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $932,260 | 4,320 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,616,000 | 3,242 |
| Total interest expense | $1,684,000 | 2,765 |
| Net interest income | $2,932,000 | 3,460 |
| Provision for loan and lease losses | $182,000 | 2,291 |
| Total noninterest income | $114,000 | 6,862 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $39,000 | 6,647 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $75,000 | 5,733 |
| Total noninterest expense | $1,985,000 | 3,829 |
| Salaries and employee benefits | $922,000 | 4,332 |
| Premises and equipment expense | $418,000 | 2,729 |
| Additional noninterest expense | $645,000 | 3,588 |
| Pre-tax net operating income | $879,000 | 4,053 |
| Securities gains (losses) | $-11,000 | 8,167 |
| Applicable income taxes | $292,000 | 3,148 |
| Income before extraordinary items | $576,000 | 4,523 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $576,000 | 4,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $583,260 | 4,440 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,158,000 | 3,382 |
| Total interest expense | $776,000 | 2,868 |
| Net interest income | $1,382,000 | 3,649 |
| Provision for loan and lease losses | $95,000 | 2,131 |
| Total noninterest income | $53,000 | 6,982 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $20,000 | 6,602 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $33,000 | 6,001 |
| Total noninterest expense | $950,000 | 4,000 |
| Salaries and employee benefits | $430,000 | 4,588 |
| Premises and equipment expense | $206,000 | 2,807 |
| Additional noninterest expense | $314,000 | 3,666 |
| Pre-tax net operating income | $390,000 | 4,339 |
| Securities gains (losses) | $-12,000 | 8,571 |
| Applicable income taxes | $128,000 | 3,377 |
| Income before extraordinary items | $250,000 | 4,868 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $250,000 | 4,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $257,920 | 4,749 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,779,000 | 3,902 |
| Total interest expense | $2,389,000 | 3,159 |
| Net interest income | $4,390,000 | 4,192 |
| Provision for loan and lease losses | $346,000 | 2,650 |
| Total noninterest income | $159,000 | 7,525 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $72,000 | 6,919 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $87,000 | 6,638 |
| Total noninterest expense | $3,407,000 | 4,262 |
| Salaries and employee benefits | $1,494,000 | 4,967 |
| Premises and equipment expense | $785,000 | 2,833 |
| Additional noninterest expense | $1,128,000 | 3,941 |
| Pre-tax net operating income | $796,000 | 5,802 |
| Securities gains (losses) | $74,000 | 1,456 |
| Applicable income taxes | $296,000 | 4,183 |
| Income before extraordinary items | $574,000 | 6,055 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $574,000 | 6,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,978 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $3,249,000 | 275 |
| Net operating income | $525,160 | 6,189 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,833,000 | 4,026 |
| Total interest expense | $1,747,000 | 3,175 |
| Net interest income | $3,086,000 | 4,381 |
| Provision for loan and lease losses | $260,000 | 2,516 |
| Total noninterest income | $118,000 | 7,583 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $52,000 | 7,015 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $66,000 | 6,636 |
| Total noninterest expense | $2,448,000 | 4,372 |
| Salaries and employee benefits | $1,048,000 | 5,143 |
| Premises and equipment expense | $581,000 | 2,866 |
| Additional noninterest expense | $819,000 | 4,020 |
| Pre-tax net operating income | $496,000 | 6,346 |
| Securities gains (losses) | $65,000 | 1,465 |
| Applicable income taxes | $191,000 | 4,508 |
| Income before extraordinary items | $370,000 | 6,495 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $370,000 | 6,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,579 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $327,100 | 6,667 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,081,000 | 4,158 |
| Total interest expense | $1,146,000 | 3,191 |
| Net interest income | $1,935,000 | 4,576 |
| Provision for loan and lease losses | $199,000 | 2,233 |
| Total noninterest income | $76,000 | 7,672 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $30,000 | 7,195 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $46,000 | 6,590 |
| Total noninterest expense | $1,567,000 | 4,520 |
| Salaries and employee benefits | $646,000 | 5,465 |
| Premises and equipment expense | $378,000 | 2,929 |
| Additional noninterest expense | $543,000 | 4,056 |
| Pre-tax net operating income | $245,000 | 6,858 |
| Securities gains (losses) | $61,000 | 1,333 |
| Applicable income taxes | $104,000 | 4,795 |
| Income before extraordinary items | $202,000 | 6,884 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $202,000 | 6,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $161,740 | 7,177 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,486,000 | 4,296 |
| Total interest expense | $558,000 | 3,304 |
| Net interest income | $928,000 | 4,717 |
| Provision for loan and lease losses | $140,000 | 1,616 |
| Total noninterest income | $41,000 | 7,560 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $14,000 | 7,243 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $27,000 | 6,301 |
| Total noninterest expense | $747,000 | 4,703 |
| Salaries and employee benefits | $307,000 | 5,675 |
| Premises and equipment expense | $183,000 | 3,042 |
| Additional noninterest expense | $257,000 | 4,226 |
| Pre-tax net operating income | $82,000 | 7,438 |
| Securities gains (losses) | $55,000 | 1,137 |
| Applicable income taxes | $46,000 | 4,955 |
| Income before extraordinary items | $91,000 | 7,053 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $91,000 | 7,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $54,700 | 7,638 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,241,000 | 4,736 |
| Total interest expense | $2,235,000 | 3,656 |
| Net interest income | $3,006,000 | 5,301 |
| Provision for loan and lease losses | $250,000 | 3,535 |
| Total noninterest income | $145,000 | 7,861 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $57,000 | 7,321 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $88,000 | 6,742 |
| Total noninterest expense | $2,589,000 | 5,091 |
| Salaries and employee benefits | $1,194,000 | 5,659 |
| Premises and equipment expense | $438,000 | 4,445 |
| Additional noninterest expense | $957,000 | 4,415 |
| Pre-tax net operating income | $312,000 | 7,391 |
| Securities gains (losses) | $61,000 | 2,329 |
| Applicable income taxes | $127,000 | 5,469 |
| Income before extraordinary items | $246,000 | 7,542 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $246,000 | 7,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,709 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $2,316,000 | 320 |
| Net operating income | $205,740 | 7,609 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,806,000 | 4,901 |
| Total interest expense | $1,684,000 | 3,765 |
| Net interest income | $2,122,000 | 5,521 |
| Provision for loan and lease losses | $181,000 | 3,491 |
| Total noninterest income | $118,000 | 7,793 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $41,000 | 7,419 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $77,000 | 6,529 |
| Total noninterest expense | $1,837,000 | 5,271 |
| Salaries and employee benefits | $884,000 | 5,665 |
| Premises and equipment expense | $290,000 | 4,832 |
| Additional noninterest expense | $663,000 | 4,662 |
| Pre-tax net operating income | $222,000 | 7,608 |
| Securities gains (losses) | $61,000 | 2,145 |
| Applicable income taxes | $96,000 | 5,612 |
| Income before extraordinary items | $187,000 | 7,671 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $187,000 | 7,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,378 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $2,331,000 | 224 |
| Net operating income | $146,740 | 7,787 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,501,000 | 4,990 |
| Total interest expense | $1,139,000 | 3,834 |
| Net interest income | $1,362,000 | 5,636 |
| Provision for loan and lease losses | $152,000 | 2,982 |
| Total noninterest income | $73,000 | 7,909 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $28,000 | 7,416 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $45,000 | 6,742 |
| Total noninterest expense | $1,130,000 | 5,545 |
| Salaries and employee benefits | $539,000 | 5,985 |
| Premises and equipment expense | $161,000 | 5,416 |
| Additional noninterest expense | $430,000 | 4,752 |
| Pre-tax net operating income | $153,000 | 7,578 |
| Securities gains (losses) | $61,000 | 1,886 |
| Applicable income taxes | $73,000 | 5,513 |
| Income before extraordinary items | $141,000 | 7,538 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $141,000 | 7,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $2,331,000 | 139 |
| Net operating income | $100,740 | 7,780 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,219,000 | 5,093 |
| Total interest expense | $575,000 | 3,886 |
| Net interest income | $644,000 | 5,819 |
| Provision for loan and lease losses | $72,000 | 3,031 |
| Total noninterest income | $35,000 | 7,955 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $14,000 | 7,374 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $21,000 | 6,840 |
| Total noninterest expense | $516,000 | 5,899 |
| Salaries and employee benefits | $249,000 | 6,268 |
| Premises and equipment expense | $80,000 | 5,448 |
| Additional noninterest expense | $187,000 | 5,211 |
| Pre-tax net operating income | $91,000 | 7,328 |
| Securities gains (losses) | $12,000 | 2,102 |
| Applicable income taxes | $35,000 | 5,559 |
| Income before extraordinary items | $68,000 | 7,530 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $68,000 | 7,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $2,331,000 | 73 |
| Net operating income | $60,080 | 7,537 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,328,000 | 5,660 |
| Total interest expense | $2,270,000 | 4,421 |
| Net interest income | $2,058,000 | 6,535 |
| Provision for loan and lease losses | $320,000 | 3,297 |
| Total noninterest income | $130,000 | 8,062 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $59,000 | 7,370 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $71,000 | 7,051 |
| Total noninterest expense | $1,843,000 | 6,173 |
| Salaries and employee benefits | $854,000 | 6,684 |
| Premises and equipment expense | $314,000 | 5,426 |
| Additional noninterest expense | $675,000 | 5,527 |
| Pre-tax net operating income | $25,000 | 8,556 |
| Securities gains (losses) | $97,000 | 1,784 |
| Applicable income taxes | $-459,000 | 9,235 |
| Income before extraordinary items | $581,000 | 6,050 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $581,000 | 6,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $372,000 | 2,049 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $484,000 | 6,326 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,228,000 | 7,002 |
| Total interest expense | $1,863,000 | 6,321 |
| Net interest income | $1,365,000 | 7,569 |
| Provision for loan and lease losses | $44,000 | 6,848 |
| Total noninterest income | $83,000 | 8,742 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $44,000 | 7,717 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $39,000 | 8,049 |
| Total noninterest expense | $1,486,000 | 6,827 |
| Salaries and employee benefits | $642,000 | 7,465 |
| Premises and equipment expense | $304,000 | 5,474 |
| Additional noninterest expense | $540,000 | 6,206 |
| Pre-tax net operating income | $-82,000 | 8,842 |
| Securities gains (losses) | $90,000 | 1,834 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $8,000 | 8,788 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $8,000 | 8,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,784 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-82,000 | 8,878 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,390,000 | 8,021 |
| Total interest expense | $1,195,000 | 7,811 |
| Net interest income | $1,195,000 | 8,079 |
| Provision for loan and lease losses | $486,000 | 1,922 |
| Total noninterest income | $40,000 | 9,456 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 8,200 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 9,131 |
| Total noninterest expense | $1,298,000 | 7,251 |
| Salaries and employee benefits | $536,000 | 8,056 |
| Premises and equipment expense | $249,000 | 6,065 |
| Additional noninterest expense | $513,000 | 6,329 |
| Pre-tax net operating income | $-549,000 | 9,556 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-549,000 | 9,594 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-549,000 | 9,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-549,000 | 9,591 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,132,000 | 9,492 |
| Total interest expense | $553,000 | 9,324 |
| Net interest income | $579,000 | 9,545 |
| Provision for loan and lease losses | $142,000 | 4,395 |
| Total noninterest income | $28,000 | 9,889 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 8,666 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 9,383 |
| Total noninterest expense | $1,196,000 | 7,581 |
| Salaries and employee benefits | $566,000 | 7,931 |
| Premises and equipment expense | $211,000 | 6,631 |
| Additional noninterest expense | $419,000 | 7,116 |
| Pre-tax net operating income | $-731,000 | 9,979 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-38,000 | 9,788 |
| Income before extraordinary items | $-693,000 | 9,998 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-693,000 | 9,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,495 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-693,000 | 9,986 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $26,000 | 10,447 |
| Total interest expense | $1,000 | 10,435 |
| Net interest income | $25,000 | 10,441 |
| Provision for loan and lease losses | $1,000 | 8,622 |
| Total noninterest income | $0 | 10,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,383 |
| Total noninterest expense | $84,000 | 10,439 |
| Salaries and employee benefits | $22,000 | 10,435 |
| Premises and equipment expense | $7,000 | 10,403 |
| Additional noninterest expense | $55,000 | 10,367 |
| Pre-tax net operating income | $-60,000 | 9,881 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-60,000 | 9,915 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-60,000 | 9,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $7,447,000 | 153 |
| Net operating income | $-60,000 | 9,875 |
* 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.