Home > First Cherokee State Bank > Income and Expense
First Cherokee State Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,358,000 | 2,982 |
| Total interest expense | $1,280,000 | 1,829 |
| Net interest income | $3,078,000 | 3,372 |
| Provision for loan and lease losses | $2,402,000 | 556 |
| Total noninterest income | $995,000 | 2,161 |
| Gross Fiduciary activities income | $397,000 | 500 |
| Service charges on deposit accounts | $440,000 | 1,577 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $158,000 | 3,989 |
| Total noninterest expense | $6,385,000 | 1,531 |
| Salaries and employee benefits | $2,294,000 | 2,173 |
| Premises and equipment expense | $573,000 | 2,038 |
| Additional noninterest expense | $3,518,000 | 990 |
| Pre-tax net operating income | $-4,714,000 | 7,178 |
| Securities gains (losses) | $102,000 | 1,587 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-4,612,000 | 7,181 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-4,612,000 | 7,181 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-4,612,000 | 7,181 |
| Net charge-offs | $1,638,000 | 800 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-4,714,000 | 7,182 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,215,000 | 2,968 |
| Total interest expense | $662,000 | 1,848 |
| Net interest income | $1,553,000 | 3,362 |
| Provision for loan and lease losses | $1,562,000 | 433 |
| Total noninterest income | $473,000 | 2,233 |
| Gross Fiduciary activities income | $204,000 | 497 |
| Service charges on deposit accounts | $225,000 | 1,541 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $44,000 | 4,910 |
| Total noninterest expense | $2,751,000 | 1,760 |
| Salaries and employee benefits | $1,179,000 | 2,118 |
| Premises and equipment expense | $280,000 | 2,088 |
| Additional noninterest expense | $1,292,000 | 1,296 |
| Pre-tax net operating income | $-2,287,000 | 7,251 |
| Securities gains (losses) | $102,000 | 899 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-2,185,000 | 7,250 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,185,000 | 7,250 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-2,185,000 | 7,250 |
| Net charge-offs | $-72,000 | 7,136 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-2,287,000 | 7,251 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $9,431,000 | 2,910 |
| Total interest expense | $3,193,000 | 1,853 |
| Net interest income | $6,238,000 | 3,366 |
| Provision for loan and lease losses | $1,490,000 | 1,895 |
| Total noninterest income | $-399,000 | 7,172 |
| Gross Fiduciary activities income | $1,169,000 | 367 |
| Service charges on deposit accounts | $855,000 | 1,691 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-2,423,000 | 7,293 |
| Total noninterest expense | $12,376,000 | 1,582 |
| Salaries and employee benefits | $4,979,000 | 1,940 |
| Premises and equipment expense | $1,131,000 | 2,159 |
| Additional noninterest expense | $6,266,000 | 1,126 |
| Pre-tax net operating income | $-8,027,000 | 7,168 |
| Securities gains (losses) | $155,000 | 1,681 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-7,872,000 | 7,169 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-7,872,000 | 7,167 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-7,872,000 | 7,169 |
| Net charge-offs | $2,456,000 | 1,370 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-8,027,000 | 7,164 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $7,143,000 | 2,911 |
| Total interest expense | $2,481,000 | 1,862 |
| Net interest income | $4,662,000 | 3,381 |
| Provision for loan and lease losses | $930,000 | 2,049 |
| Total noninterest income | $-946,000 | 7,355 |
| Gross Fiduciary activities income | $491,000 | 506 |
| Service charges on deposit accounts | $640,000 | 1,700 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-2,077,000 | 7,379 |
| Total noninterest expense | $9,062,000 | 1,610 |
| Salaries and employee benefits | $3,559,000 | 2,023 |
| Premises and equipment expense | $847,000 | 2,184 |
| Additional noninterest expense | $4,656,000 | 1,129 |
| Pre-tax net operating income | $-6,276,000 | 7,273 |
| Securities gains (losses) | $155,000 | 1,405 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-6,121,000 | 7,284 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-6,121,000 | 7,282 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-6,121,000 | 7,283 |
| Net charge-offs | $1,492,000 | 1,492 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-6,276,000 | 7,282 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,778,000 | 2,924 |
| Total interest expense | $1,706,000 | 1,873 |
| Net interest income | $3,072,000 | 3,423 |
| Provision for loan and lease losses | $930,000 | 1,555 |
| Total noninterest income | $878,000 | 2,180 |
| Gross Fiduciary activities income | $335,000 | 500 |
| Service charges on deposit accounts | $425,000 | 1,683 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $118,000 | 4,319 |
| Total noninterest expense | $5,884,000 | 1,672 |
| Salaries and employee benefits | $2,344,000 | 2,080 |
| Premises and equipment expense | $544,000 | 2,275 |
| Additional noninterest expense | $2,996,000 | 1,186 |
| Pre-tax net operating income | $-2,864,000 | 7,254 |
| Securities gains (losses) | $10,000 | 2,357 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-2,854,000 | 7,282 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,854,000 | 7,282 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-2,854,000 | 7,283 |
| Net charge-offs | $1,242,000 | 1,280 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-2,864,000 | 7,275 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,367,000 | 2,970 |
| Total interest expense | $888,000 | 1,860 |
| Net interest income | $1,479,000 | 3,506 |
| Provision for loan and lease losses | $930,000 | 907 |
| Total noninterest income | $314,000 | 2,756 |
| Gross Fiduciary activities income | $140,000 | 542 |
| Service charges on deposit accounts | $209,000 | 1,688 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-35,000 | 7,265 |
| Total noninterest expense | $2,985,000 | 1,662 |
| Salaries and employee benefits | $1,122,000 | 2,190 |
| Premises and equipment expense | $266,000 | 2,357 |
| Additional noninterest expense | $1,597,000 | 1,120 |
| Pre-tax net operating income | $-2,122,000 | 7,400 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-2,122,000 | 7,406 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-2,122,000 | 7,406 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-2,122,000 | 7,406 |
| Net charge-offs | $1,193,000 | 759 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-2,122,000 | 7,408 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $10,253,000 | 2,901 |
| Total interest expense | $4,201,000 | 1,901 |
| Net interest income | $6,052,000 | 3,449 |
| Provision for loan and lease losses | $1,197,000 | 2,788 |
| Total noninterest income | $1,233,000 | 2,869 |
| Gross Fiduciary activities income | $1,014,000 | 395 |
| Service charges on deposit accounts | $904,000 | 1,640 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-685,000 | 7,440 |
| Total noninterest expense | $11,540,000 | 1,706 |
| Salaries and employee benefits | $4,315,000 | 2,240 |
| Premises and equipment expense | $1,010,000 | 2,461 |
| Additional noninterest expense | $6,215,000 | 1,190 |
| Pre-tax net operating income | $-5,452,000 | 7,141 |
| Securities gains (losses) | $90,000 | 2,248 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-5,362,000 | 7,193 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-5,362,000 | 7,193 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-5,362,000 | 7,193 |
| Net charge-offs | $5,068,000 | 1,001 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-5,452,000 | 7,182 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,787,000 | 2,921 |
| Total interest expense | $3,249,000 | 1,919 |
| Net interest income | $4,538,000 | 3,493 |
| Provision for loan and lease losses | $436,000 | 3,781 |
| Total noninterest income | $1,419,000 | 2,173 |
| Gross Fiduciary activities income | $644,000 | 429 |
| Service charges on deposit accounts | $689,000 | 1,669 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $86,000 | 5,387 |
| Total noninterest expense | $8,532,000 | 1,737 |
| Salaries and employee benefits | $3,191,000 | 2,272 |
| Premises and equipment expense | $779,000 | 2,436 |
| Additional noninterest expense | $4,562,000 | 1,182 |
| Pre-tax net operating income | $-3,011,000 | 7,198 |
| Securities gains (losses) | $90,000 | 2,019 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-2,921,000 | 7,266 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-2,921,000 | 7,266 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-2,921,000 | 7,266 |
| Net charge-offs | $3,514,000 | 1,010 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-3,011,000 | 7,246 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,275,000 | 2,912 |
| Total interest expense | $2,276,000 | 1,912 |
| Net interest income | $2,999,000 | 3,514 |
| Provision for loan and lease losses | $187,000 | 4,321 |
| Total noninterest income | $1,094,000 | 1,923 |
| Gross Fiduciary activities income | $413,000 | 441 |
| Service charges on deposit accounts | $457,000 | 1,676 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $224,000 | 3,313 |
| Total noninterest expense | $5,954,000 | 1,654 |
| Salaries and employee benefits | $2,147,000 | 2,260 |
| Premises and equipment expense | $529,000 | 2,414 |
| Additional noninterest expense | $3,278,000 | 1,081 |
| Pre-tax net operating income | $-2,048,000 | 7,282 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-2,048,000 | 7,342 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,048,000 | 7,342 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-2,048,000 | 7,342 |
| Net charge-offs | $3,167,000 | 785 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-2,048,000 | 7,338 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,642,000 | 2,956 |
| Total interest expense | $1,214,000 | 1,888 |
| Net interest income | $1,428,000 | 3,686 |
| Provision for loan and lease losses | $186,000 | 3,096 |
| Total noninterest income | $575,000 | 1,830 |
| Gross Fiduciary activities income | $245,000 | 411 |
| Service charges on deposit accounts | $226,000 | 1,694 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $104,000 | 3,434 |
| Total noninterest expense | $2,515,000 | 1,966 |
| Salaries and employee benefits | $1,089,000 | 2,266 |
| Premises and equipment expense | $265,000 | 2,468 |
| Additional noninterest expense | $1,161,000 | 1,527 |
| Pre-tax net operating income | $-698,000 | 7,291 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-698,000 | 7,369 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-698,000 | 7,369 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-698,000 | 7,370 |
| Net charge-offs | $2,972,000 | 490 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-698,000 | 7,346 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $11,777,000 | 2,806 |
| Total interest expense | $6,216,000 | 1,875 |
| Net interest income | $5,561,000 | 3,671 |
| Provision for loan and lease losses | $5,224,000 | 1,391 |
| Total noninterest income | $-2,644,000 | 7,977 |
| Gross Fiduciary activities income | $777,000 | 443 |
| Service charges on deposit accounts | $997,000 | 1,698 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-4,418,000 | 7,986 |
| Total noninterest expense | $9,361,000 | 2,134 |
| Salaries and employee benefits | $4,547,000 | 2,164 |
| Premises and equipment expense | $1,127,000 | 2,339 |
| Additional noninterest expense | $3,687,000 | 1,985 |
| Pre-tax net operating income | $-11,668,000 | 7,549 |
| Securities gains (losses) | $99,000 | 2,150 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-11,569,000 | 7,603 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-11,569,000 | 7,602 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-11,569,000 | 7,602 |
| Net charge-offs | $4,139,000 | 1,308 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-11,668,000 | 7,611 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,072,000 | 2,764 |
| Total interest expense | $4,748,000 | 1,917 |
| Net interest income | $4,324,000 | 3,584 |
| Provision for loan and lease losses | $2,390,000 | 1,711 |
| Total noninterest income | $-350,000 | 7,988 |
| Gross Fiduciary activities income | $587,000 | 442 |
| Service charges on deposit accounts | $748,000 | 1,695 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-1,685,000 | 8,049 |
| Total noninterest expense | $6,303,000 | 2,344 |
| Salaries and employee benefits | $3,459,000 | 2,148 |
| Premises and equipment expense | $861,000 | 2,328 |
| Additional noninterest expense | $1,983,000 | 2,592 |
| Pre-tax net operating income | $-4,719,000 | 7,486 |
| Securities gains (losses) | $100,000 | 1,838 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-4,619,000 | 7,546 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-4,619,000 | 7,546 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-4,619,000 | 7,546 |
| Net charge-offs | $3,110,000 | 1,158 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-4,719,000 | 7,558 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,159,000 | 2,751 |
| Total interest expense | $3,288,000 | 1,940 |
| Net interest income | $2,871,000 | 3,584 |
| Provision for loan and lease losses | $665,000 | 2,558 |
| Total noninterest income | $394,000 | 3,872 |
| Gross Fiduciary activities income | $367,000 | 459 |
| Service charges on deposit accounts | $495,000 | 1,683 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-468,000 | 8,078 |
| Total noninterest expense | $3,664,000 | 2,714 |
| Salaries and employee benefits | $2,392,000 | 2,104 |
| Premises and equipment expense | $576,000 | 2,338 |
| Additional noninterest expense | $696,000 | 4,283 |
| Pre-tax net operating income | $-1,064,000 | 7,050 |
| Securities gains (losses) | $110,000 | 1,424 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-954,000 | 7,133 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-954,000 | 7,133 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-954,000 | 7,134 |
| Net charge-offs | $2,007,000 | 1,128 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-1,064,000 | 7,166 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,250,000 | 2,654 |
| Total interest expense | $1,712,000 | 1,931 |
| Net interest income | $1,538,000 | 3,377 |
| Provision for loan and lease losses | $235,000 | 2,635 |
| Total noninterest income | $287,000 | 3,108 |
| Gross Fiduciary activities income | $154,000 | 502 |
| Service charges on deposit accounts | $239,000 | 1,692 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-106,000 | 8,124 |
| Total noninterest expense | $2,796,000 | 1,769 |
| Salaries and employee benefits | $1,269,000 | 2,023 |
| Premises and equipment expense | $283,000 | 2,421 |
| Additional noninterest expense | $1,244,000 | 1,317 |
| Pre-tax net operating income | $-1,206,000 | 7,690 |
| Securities gains (losses) | $32,000 | 1,498 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-1,174,000 | 7,749 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,174,000 | 7,752 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,174,000 | 7,751 |
| Net charge-offs | $51,000 | 3,523 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,206,000 | 7,755 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $16,315,000 | 2,297 |
| Total interest expense | $8,265,000 | 1,900 |
| Net interest income | $8,050,000 | 2,687 |
| Provision for loan and lease losses | $7,993,000 | 712 |
| Total noninterest income | $189,000 | 6,556 |
| Gross Fiduciary activities income | $1,116,000 | 387 |
| Service charges on deposit accounts | $1,206,000 | 1,479 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-2,133,000 | 8,278 |
| Total noninterest expense | $11,663,000 | 1,674 |
| Salaries and employee benefits | $5,169,000 | 1,954 |
| Premises and equipment expense | $1,239,000 | 2,177 |
| Additional noninterest expense | $5,255,000 | 1,213 |
| Pre-tax net operating income | $-11,417,000 | 8,018 |
| Securities gains (losses) | $97,000 | 1,147 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-11,320,000 | 8,018 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-11,320,000 | 8,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,833,000 | 710 |
| Cash dividends | $824,000 | 2,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-11,417,000 | 8,054 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $12,793,000 | 2,266 |
| Total interest expense | $6,398,000 | 1,925 |
| Net interest income | $6,395,000 | 2,573 |
| Provision for loan and lease losses | $3,720,000 | 795 |
| Total noninterest income | $2,066,000 | 1,736 |
| Gross Fiduciary activities income | $605,000 | 461 |
| Service charges on deposit accounts | $917,000 | 1,475 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $544,000 | 2,677 |
| Total noninterest expense | $8,239,000 | 1,756 |
| Salaries and employee benefits | $3,779,000 | 2,035 |
| Premises and equipment expense | $945,000 | 2,156 |
| Additional noninterest expense | $3,515,000 | 1,299 |
| Pre-tax net operating income | $-3,498,000 | 8,056 |
| Securities gains (losses) | $97,000 | 988 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-3,401,000 | 8,049 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-3,401,000 | 8,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,668,000 | 555 |
| Cash dividends | $824,000 | 2,065 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-3,498,000 | 8,104 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,854,000 | 2,223 |
| Total interest expense | $4,373,000 | 1,978 |
| Net interest income | $4,481,000 | 2,436 |
| Provision for loan and lease losses | $1,565,000 | 922 |
| Total noninterest income | $1,227,000 | 1,912 |
| Gross Fiduciary activities income | $397,000 | 477 |
| Service charges on deposit accounts | $608,000 | 1,458 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $222,000 | 3,569 |
| Total noninterest expense | $5,459,000 | 1,770 |
| Salaries and employee benefits | $2,544,000 | 2,034 |
| Premises and equipment expense | $632,000 | 2,144 |
| Additional noninterest expense | $2,283,000 | 1,299 |
| Pre-tax net operating income | $-1,316,000 | 8,032 |
| Securities gains (losses) | $97,000 | 990 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-1,219,000 | 8,074 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,219,000 | 8,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $527,000 | 1,265 |
| Cash dividends | $824,000 | 1,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,316,000 | 8,094 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,723,000 | 2,143 |
| Total interest expense | $2,225,000 | 2,056 |
| Net interest income | $2,498,000 | 2,217 |
| Provision for loan and lease losses | $340,000 | 1,271 |
| Total noninterest income | $606,000 | 1,944 |
| Gross Fiduciary activities income | $199,000 | 484 |
| Service charges on deposit accounts | $291,000 | 1,505 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $116,000 | 3,501 |
| Total noninterest expense | $2,698,000 | 1,773 |
| Salaries and employee benefits | $1,273,000 | 2,065 |
| Premises and equipment expense | $320,000 | 2,129 |
| Additional noninterest expense | $1,105,000 | 1,300 |
| Pre-tax net operating income | $66,000 | 6,400 |
| Securities gains (losses) | $97,000 | 725 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $163,000 | 5,083 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $163,000 | 5,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,076 |
| Cash dividends | $500,000 | 1,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $66,000 | 6,236 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $22,646,000 | 1,868 |
| Total interest expense | $9,398,000 | 2,036 |
| Net interest income | $13,248,000 | 1,705 |
| Provision for loan and lease losses | $1,630,000 | 988 |
| Total noninterest income | $3,585,000 | 1,420 |
| Gross Fiduciary activities income | $828,000 | 470 |
| Service charges on deposit accounts | $1,191,000 | 1,504 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,566,000 | 1,630 |
| Total noninterest expense | $10,609,000 | 1,750 |
| Salaries and employee benefits | $5,236,000 | 1,923 |
| Premises and equipment expense | $1,238,000 | 2,099 |
| Additional noninterest expense | $4,135,000 | 1,358 |
| Pre-tax net operating income | $4,594,000 | 1,768 |
| Securities gains (losses) | $-6,000 | 7,432 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $4,588,000 | 1,409 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,588,000 | 1,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $741,000 | 1,279 |
| Cash dividends | $4,846,000 | 775 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,594,000 | 1,394 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $17,455,000 | 1,832 |
| Total interest expense | $7,068,000 | 2,028 |
| Net interest income | $10,387,000 | 1,636 |
| Provision for loan and lease losses | $250,000 | 2,604 |
| Total noninterest income | $3,366,000 | 1,184 |
| Gross Fiduciary activities income | $618,000 | 464 |
| Service charges on deposit accounts | $880,000 | 1,492 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,868,000 | 1,175 |
| Total noninterest expense | $8,178,000 | 1,684 |
| Salaries and employee benefits | $4,134,000 | 1,834 |
| Premises and equipment expense | $964,000 | 2,011 |
| Additional noninterest expense | $3,080,000 | 1,324 |
| Pre-tax net operating income | $5,325,000 | 1,280 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $5,325,000 | 979 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $5,325,000 | 977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $704,000 | 839 |
| Cash dividends | $4,846,000 | 593 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $5,325,000 | 968 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,798,000 | 1,827 |
| Total interest expense | $4,739,000 | 2,032 |
| Net interest income | $7,059,000 | 1,632 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $2,448,000 | 1,140 |
| Gross Fiduciary activities income | $401,000 | 480 |
| Service charges on deposit accounts | $576,000 | 1,523 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,471,000 | 1,061 |
| Total noninterest expense | $5,303,000 | 1,742 |
| Salaries and employee benefits | $2,786,000 | 1,846 |
| Premises and equipment expense | $612,000 | 2,120 |
| Additional noninterest expense | $1,905,000 | 1,428 |
| Pre-tax net operating income | $4,204,000 | 1,131 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $4,204,000 | 871 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,204,000 | 870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,113 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $4,204,000 | 857 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,056,000 | 1,778 |
| Total interest expense | $2,403,000 | 2,004 |
| Net interest income | $3,653,000 | 1,587 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $679,000 | 1,778 |
| Gross Fiduciary activities income | $211,000 | 470 |
| Service charges on deposit accounts | $282,000 | 1,520 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $186,000 | 2,657 |
| Total noninterest expense | $2,725,000 | 1,707 |
| Salaries and employee benefits | $1,428,000 | 1,809 |
| Premises and equipment expense | $306,000 | 2,138 |
| Additional noninterest expense | $991,000 | 1,345 |
| Pre-tax net operating income | $1,607,000 | 1,448 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $1,607,000 | 1,095 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,607,000 | 1,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,116 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,607,000 | 1,079 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $23,251,000 | 1,739 |
| Total interest expense | $8,760,000 | 1,888 |
| Net interest income | $14,491,000 | 1,582 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $3,262,000 | 1,504 |
| Gross Fiduciary activities income | $760,000 | 475 |
| Service charges on deposit accounts | $1,199,000 | 1,491 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,303,000 | 1,837 |
| Total noninterest expense | $10,376,000 | 1,719 |
| Salaries and employee benefits | $5,436,000 | 1,800 |
| Premises and equipment expense | $1,169,000 | 2,116 |
| Additional noninterest expense | $3,771,000 | 1,404 |
| Pre-tax net operating income | $7,377,000 | 1,340 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $7,377,000 | 1,014 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $7,377,000 | 1,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,668 |
| Cash dividends | $4,260,000 | 825 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 998 |
| Net operating income | $7,377,000 | 1,000 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $17,114,000 | 1,754 |
| Total interest expense | $6,264,000 | 1,916 |
| Net interest income | $10,850,000 | 1,603 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $2,196,000 | 1,684 |
| Gross Fiduciary activities income | $565,000 | 481 |
| Service charges on deposit accounts | $882,000 | 1,522 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $749,000 | 2,233 |
| Total noninterest expense | $7,752,000 | 1,726 |
| Salaries and employee benefits | $4,078,000 | 1,804 |
| Premises and equipment expense | $884,000 | 2,117 |
| Additional noninterest expense | $2,790,000 | 1,420 |
| Pre-tax net operating income | $5,294,000 | 1,439 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $5,294,000 | 1,093 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,294,000 | 1,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 3,132 |
| Cash dividends | $3,960,000 | 658 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 898 |
| Net operating income | $5,294,000 | 1,082 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,223,000 | 1,751 |
| Total interest expense | $4,006,000 | 1,899 |
| Net interest income | $7,217,000 | 1,608 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $1,485,000 | 1,661 |
| Gross Fiduciary activities income | $377,000 | 485 |
| Service charges on deposit accounts | $577,000 | 1,539 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $531,000 | 2,137 |
| Total noninterest expense | $5,268,000 | 1,698 |
| Salaries and employee benefits | $2,776,000 | 1,764 |
| Premises and equipment expense | $589,000 | 2,116 |
| Additional noninterest expense | $1,903,000 | 1,396 |
| Pre-tax net operating income | $3,434,000 | 1,469 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $3,434,000 | 1,120 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,434,000 | 1,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 2,363 |
| Cash dividends | $3,120,000 | 549 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 760 |
| Net operating income | $3,434,000 | 1,097 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,461,000 | 1,750 |
| Total interest expense | $1,955,000 | 1,863 |
| Net interest income | $3,506,000 | 1,641 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $662,000 | 1,779 |
| Gross Fiduciary activities income | $193,000 | 487 |
| Service charges on deposit accounts | $260,000 | 1,633 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $209,000 | 2,427 |
| Total noninterest expense | $2,603,000 | 1,720 |
| Salaries and employee benefits | $1,358,000 | 1,817 |
| Premises and equipment expense | $303,000 | 2,079 |
| Additional noninterest expense | $942,000 | 1,402 |
| Pre-tax net operating income | $1,565,000 | 1,566 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $1,565,000 | 1,193 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,565,000 | 1,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,005 |
| Cash dividends | $1,770,000 | 467 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 535 |
| Net operating income | $1,565,000 | 1,172 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $19,218,000 | 1,739 |
| Total interest expense | $6,254,000 | 1,814 |
| Net interest income | $12,964,000 | 1,691 |
| Provision for loan and lease losses | $530,000 | 1,805 |
| Total noninterest income | $2,967,000 | 1,620 |
| Gross Fiduciary activities income | $751,000 | 468 |
| Service charges on deposit accounts | $1,087,000 | 1,605 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,129,000 | 2,048 |
| Total noninterest expense | $10,035,000 | 1,702 |
| Salaries and employee benefits | $5,206,000 | 1,787 |
| Premises and equipment expense | $1,197,000 | 2,003 |
| Additional noninterest expense | $3,632,000 | 1,412 |
| Pre-tax net operating income | $5,366,000 | 1,741 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-25,000 | 8,510 |
| Income before extraordinary items | $5,391,000 | 1,324 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,391,000 | 1,326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,900 |
| Cash dividends | $1,313,000 | 2,012 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $5,391,000 | 1,306 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,816,000 | 1,779 |
| Total interest expense | $4,369,000 | 1,834 |
| Net interest income | $9,447,000 | 1,726 |
| Provision for loan and lease losses | $470,000 | 1,487 |
| Total noninterest income | $2,026,000 | 1,764 |
| Gross Fiduciary activities income | $575,000 | 453 |
| Service charges on deposit accounts | $801,000 | 1,617 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $650,000 | 2,427 |
| Total noninterest expense | $7,313,000 | 1,717 |
| Salaries and employee benefits | $3,807,000 | 1,824 |
| Premises and equipment expense | $918,000 | 1,960 |
| Additional noninterest expense | $2,588,000 | 1,449 |
| Pre-tax net operating income | $3,690,000 | 1,899 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-25,000 | 8,644 |
| Income before extraordinary items | $3,715,000 | 1,436 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,715,000 | 1,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 3,450 |
| Cash dividends | $1,038,000 | 1,737 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,715,000 | 1,414 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,866,000 | 1,790 |
| Total interest expense | $2,712,000 | 1,849 |
| Net interest income | $6,154,000 | 1,745 |
| Provision for loan and lease losses | $335,000 | 1,382 |
| Total noninterest income | $1,208,000 | 1,918 |
| Gross Fiduciary activities income | $387,000 | 451 |
| Service charges on deposit accounts | $523,000 | 1,608 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $298,000 | 3,065 |
| Total noninterest expense | $4,630,000 | 1,800 |
| Salaries and employee benefits | $2,467,000 | 1,852 |
| Premises and equipment expense | $622,000 | 1,919 |
| Additional noninterest expense | $1,541,000 | 1,602 |
| Pre-tax net operating income | $2,397,000 | 1,903 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-25,000 | 8,671 |
| Income before extraordinary items | $2,422,000 | 1,440 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,422,000 | 1,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,271 |
| Cash dividends | $618,000 | 1,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,422,000 | 1,415 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,234,000 | 1,844 |
| Total interest expense | $1,268,000 | 1,867 |
| Net interest income | $2,966,000 | 1,799 |
| Provision for loan and lease losses | $205,000 | 1,112 |
| Total noninterest income | $593,000 | 1,900 |
| Gross Fiduciary activities income | $214,000 | 432 |
| Service charges on deposit accounts | $254,000 | 1,610 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $125,000 | 3,316 |
| Total noninterest expense | $2,325,000 | 1,796 |
| Salaries and employee benefits | $1,225,000 | 1,876 |
| Premises and equipment expense | $314,000 | 1,902 |
| Additional noninterest expense | $786,000 | 1,583 |
| Pre-tax net operating income | $1,029,000 | 2,115 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-17,000 | 8,728 |
| Income before extraordinary items | $1,046,000 | 1,594 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,046,000 | 1,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,046,000 | 1,577 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,437,000 | 2,136 |
| Total interest expense | $4,215,000 | 1,933 |
| Net interest income | $9,222,000 | 2,217 |
| Provision for loan and lease losses | $541,000 | 1,844 |
| Total noninterest income | $1,872,000 | 2,302 |
| Gross Fiduciary activities income | $524,000 | 558 |
| Service charges on deposit accounts | $1,189,000 | 1,482 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $159,000 | 5,573 |
| Total noninterest expense | $8,743,000 | 1,853 |
| Salaries and employee benefits | $4,701,000 | 1,866 |
| Premises and equipment expense | $1,177,000 | 1,951 |
| Additional noninterest expense | $2,865,000 | 1,707 |
| Pre-tax net operating income | $1,810,000 | 3,774 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $1,810,000 | 3,174 |
| Extraordinary gains, net | $-792,000 | 8,972 |
| Net income | $1,018,000 | 4,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,214 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,810,000 | 3,112 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,580,000 | 2,213 |
| Total interest expense | $3,022,000 | 1,980 |
| Net interest income | $6,558,000 | 2,302 |
| Provision for loan and lease losses | $493,000 | 1,476 |
| Total noninterest income | $1,390,000 | 2,326 |
| Gross Fiduciary activities income | $380,000 | 571 |
| Service charges on deposit accounts | $894,000 | 1,490 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $116,000 | 5,640 |
| Total noninterest expense | $6,528,000 | 1,845 |
| Salaries and employee benefits | $3,478,000 | 1,874 |
| Premises and equipment expense | $891,000 | 1,930 |
| Additional noninterest expense | $2,159,000 | 1,678 |
| Pre-tax net operating income | $927,000 | 4,794 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $863,000 | 1,998 |
| Income before extraordinary items | $64,000 | 8,258 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $64,000 | 8,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,626 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $64,000 | 8,217 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,051,000 | 2,329 |
| Total interest expense | $1,890,000 | 2,090 |
| Net interest income | $4,161,000 | 2,397 |
| Provision for loan and lease losses | $441,000 | 1,136 |
| Total noninterest income | $794,000 | 2,605 |
| Gross Fiduciary activities income | $246,000 | 577 |
| Service charges on deposit accounts | $580,000 | 1,519 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $-32,000 | 9,065 |
| Total noninterest expense | $4,429,000 | 1,802 |
| Salaries and employee benefits | $2,384,000 | 1,831 |
| Premises and equipment expense | $589,000 | 1,945 |
| Additional noninterest expense | $1,456,000 | 1,654 |
| Pre-tax net operating income | $85,000 | 8,034 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $863,000 | 1,445 |
| Income before extraordinary items | $-778,000 | 8,987 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-778,000 | 8,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,658 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-778,000 | 8,968 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,840,000 | 2,465 |
| Total interest expense | $842,000 | 2,337 |
| Net interest income | $1,998,000 | 2,493 |
| Provision for loan and lease losses | $95,000 | 2,197 |
| Total noninterest income | $589,000 | 1,916 |
| Gross Fiduciary activities income | $115,000 | 610 |
| Service charges on deposit accounts | $286,000 | 1,500 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $188,000 | 2,570 |
| Total noninterest expense | $2,257,000 | 1,789 |
| Salaries and employee benefits | $1,209,000 | 1,827 |
| Premises and equipment expense | $303,000 | 1,915 |
| Additional noninterest expense | $745,000 | 1,602 |
| Pre-tax net operating income | $235,000 | 5,429 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $863,000 | 834 |
| Income before extraordinary items | $-628,000 | 9,072 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-628,000 | 9,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,902 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-628,000 | 9,054 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,644,000 | 2,659 |
| Total interest expense | $3,053,000 | 2,819 |
| Net interest income | $7,591,000 | 2,539 |
| Provision for loan and lease losses | $100,000 | 5,309 |
| Total noninterest income | $1,884,000 | 2,415 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,267,000 | 1,369 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $617,000 | 3,201 |
| Total noninterest expense | $8,214,000 | 1,936 |
| Salaries and employee benefits | $4,194,000 | 2,029 |
| Premises and equipment expense | $916,000 | 2,441 |
| Additional noninterest expense | $3,104,000 | 1,589 |
| Pre-tax net operating income | $1,161,000 | 4,776 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $216,000 | 4,814 |
| Income before extraordinary items | $945,000 | 4,808 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $945,000 | 4,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $337,000 | 2,096 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $945,000 | 4,640 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,090,000 | 2,663 |
| Total interest expense | $2,435,000 | 2,749 |
| Net interest income | $5,655,000 | 2,575 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $1,393,000 | 2,488 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $936,000 | 1,397 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $457,000 | 3,299 |
| Total noninterest expense | $5,938,000 | 2,008 |
| Salaries and employee benefits | $2,995,000 | 2,135 |
| Premises and equipment expense | $662,000 | 2,543 |
| Additional noninterest expense | $2,281,000 | 1,601 |
| Pre-tax net operating income | $1,110,000 | 4,287 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $255,000 | 4,243 |
| Income before extraordinary items | $855,000 | 4,431 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $855,000 | 4,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 1,756 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $855,000 | 4,259 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,481,000 | 2,660 |
| Total interest expense | $1,751,000 | 2,642 |
| Net interest income | $3,730,000 | 2,603 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $1,010,000 | 2,348 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $608,000 | 1,410 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $402,000 | 2,794 |
| Total noninterest expense | $3,871,000 | 2,035 |
| Salaries and employee benefits | $1,925,000 | 2,202 |
| Premises and equipment expense | $434,000 | 2,564 |
| Additional noninterest expense | $1,512,000 | 1,606 |
| Pre-tax net operating income | $869,000 | 3,844 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $223,000 | 3,758 |
| Income before extraordinary items | $646,000 | 4,081 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $646,000 | 4,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $291,000 | 1,277 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $646,000 | 3,898 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,776,000 | 2,647 |
| Total interest expense | $956,000 | 2,532 |
| Net interest income | $1,820,000 | 2,657 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $457,000 | 2,449 |
| Gross Fiduciary activities income | $48,000 | 820 |
| Service charges on deposit accounts | $287,000 | 1,445 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $122,000 | 3,572 |
| Total noninterest expense | $1,848,000 | 2,117 |
| Salaries and employee benefits | $939,000 | 2,242 |
| Premises and equipment expense | $219,000 | 2,553 |
| Additional noninterest expense | $690,000 | 1,715 |
| Pre-tax net operating income | $429,000 | 3,879 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $115,000 | 3,702 |
| Income before extraordinary items | $314,000 | 4,109 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $314,000 | 4,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 1,271 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $314,000 | 3,918 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,202,000 | 2,526 |
| Total interest expense | $5,216,000 | 2,150 |
| Net interest income | $6,986,000 | 2,738 |
| Provision for loan and lease losses | $250,000 | 3,856 |
| Total noninterest income | $1,923,000 | 2,198 |
| Gross Fiduciary activities income | $103,000 | 989 |
| Service charges on deposit accounts | $1,169,000 | 1,384 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $651,000 | 2,830 |
| Total noninterest expense | $7,572,000 | 1,987 |
| Salaries and employee benefits | $3,907,000 | 2,045 |
| Premises and equipment expense | $871,000 | 2,485 |
| Additional noninterest expense | $2,794,000 | 1,677 |
| Pre-tax net operating income | $1,087,000 | 4,996 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $225,000 | 4,937 |
| Income before extraordinary items | $862,000 | 4,997 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $862,000 | 4,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 3,271 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $862,000 | 4,873 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,960,000 | 2,285 |
| Total interest expense | $7,311,000 | 2,195 |
| Net interest income | $7,649,000 | 2,342 |
| Provision for loan and lease losses | $317,000 | 3,088 |
| Total noninterest income | $2,098,000 | 1,940 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $892,000 | 1,699 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,206,000 | 1,790 |
| Total noninterest expense | $7,268,000 | 1,975 |
| Salaries and employee benefits | $3,950,000 | 1,899 |
| Premises and equipment expense | $1,018,000 | 2,095 |
| Additional noninterest expense | $2,300,000 | 1,954 |
| Pre-tax net operating income | $2,162,000 | 3,001 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $685,000 | 2,713 |
| Income before extraordinary items | $1,477,000 | 3,259 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,477,000 | 3,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,677 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,477,000 | 3,155 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,970,000 | 2,486 |
| Total interest expense | $6,494,000 | 2,570 |
| Net interest income | $7,476,000 | 2,374 |
| Provision for loan and lease losses | $854,000 | 1,208 |
| Total noninterest income | $2,084,000 | 1,811 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $857,000 | 1,607 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,227,000 | 1,632 |
| Total noninterest expense | $6,394,000 | 2,155 |
| Salaries and employee benefits | $3,516,000 | 2,019 |
| Premises and equipment expense | $953,000 | 2,163 |
| Additional noninterest expense | $1,925,000 | 2,248 |
| Pre-tax net operating income | $2,312,000 | 2,955 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $789,000 | 2,548 |
| Income before extraordinary items | $1,523,000 | 3,214 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,523,000 | 3,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 2,923 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,523,000 | 3,207 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,118,000 | 3,188 |
| Total interest expense | $4,666,000 | 3,118 |
| Net interest income | $5,452,000 | 3,180 |
| Provision for loan and lease losses | $143,000 | 4,386 |
| Total noninterest income | $2,444,000 | 1,601 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $587,000 | 2,279 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,857,000 | 1,216 |
| Total noninterest expense | $6,104,000 | 2,244 |
| Salaries and employee benefits | $3,071,000 | 2,284 |
| Premises and equipment expense | $877,000 | 2,319 |
| Additional noninterest expense | $2,156,000 | 2,026 |
| Pre-tax net operating income | $1,649,000 | 3,847 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $546,000 | 3,442 |
| Income before extraordinary items | $1,103,000 | 4,133 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,103,000 | 4,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $321,000 | 1,712 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,103,000 | 4,090 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,447,000 | 3,736 |
| Total interest expense | $4,022,000 | 3,667 |
| Net interest income | $4,425,000 | 3,780 |
| Provision for loan and lease losses | $504,000 | 1,706 |
| Total noninterest income | $2,671,000 | 1,469 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $476,000 | 2,667 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,195,000 | 1,090 |
| Total noninterest expense | $5,263,000 | 2,472 |
| Salaries and employee benefits | $2,814,000 | 2,402 |
| Premises and equipment expense | $699,000 | 2,774 |
| Additional noninterest expense | $1,750,000 | 2,376 |
| Pre-tax net operating income | $1,329,000 | 4,550 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $436,000 | 4,204 |
| Income before extraordinary items | $893,000 | 4,854 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $893,000 | 4,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,094 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $893,000 | 4,756 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,183,000 | 4,399 |
| Total interest expense | $3,570,000 | 4,072 |
| Net interest income | $3,613,000 | 4,620 |
| Provision for loan and lease losses | $624,000 | 1,459 |
| Total noninterest income | $2,143,000 | 1,673 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $402,000 | 3,214 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,741,000 | 1,200 |
| Total noninterest expense | $4,856,000 | 2,644 |
| Salaries and employee benefits | $2,093,000 | 3,171 |
| Premises and equipment expense | $510,000 | 3,639 |
| Additional noninterest expense | $2,253,000 | 1,885 |
| Pre-tax net operating income | $276,000 | 9,141 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $59,000 | 9,108 |
| Income before extraordinary items | $217,000 | 9,012 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $217,000 | 9,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $391,000 | 1,624 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $217,000 | 8,978 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,000,000 | 4,585 |
| Total interest expense | $3,734,000 | 3,949 |
| Net interest income | $3,266,000 | 5,112 |
| Provision for loan and lease losses | $374,000 | 2,194 |
| Total noninterest income | $1,462,000 | 2,337 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $406,000 | 3,296 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,056,000 | 1,751 |
| Total noninterest expense | $3,840,000 | 3,464 |
| Salaries and employee benefits | $1,941,000 | 3,426 |
| Premises and equipment expense | $538,000 | 3,553 |
| Additional noninterest expense | $1,361,000 | 3,395 |
| Pre-tax net operating income | $514,000 | 7,859 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $139,000 | 8,045 |
| Income before extraordinary items | $375,000 | 7,821 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $375,000 | 7,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 2,662 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $375,000 | 7,760 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,814,000 | 4,672 |
| Total interest expense | $3,513,000 | 4,144 |
| Net interest income | $3,301,000 | 5,103 |
| Provision for loan and lease losses | $255,000 | 2,517 |
| Total noninterest income | $1,190,000 | 2,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $272,000 | 4,647 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $918,000 | 1,914 |
| Total noninterest expense | $3,199,000 | 4,060 |
| Salaries and employee benefits | $1,690,000 | 3,844 |
| Premises and equipment expense | $501,000 | 3,754 |
| Additional noninterest expense | $1,008,000 | 4,321 |
| Pre-tax net operating income | $1,037,000 | 5,845 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $323,000 | 5,746 |
| Income before extraordinary items | $714,000 | 5,896 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $714,000 | 5,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,954 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $714,000 | 5,880 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,317,000 | 6,328 |
| Total interest expense | $1,796,000 | 6,085 |
| Net interest income | $2,521,000 | 6,443 |
| Provision for loan and lease losses | $65,000 | 5,465 |
| Total noninterest income | $1,328,000 | 2,531 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $194,000 | 5,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,134,000 | 1,695 |
| Total noninterest expense | $2,822,000 | 4,647 |
| Salaries and employee benefits | $1,425,000 | 4,485 |
| Premises and equipment expense | $475,000 | 3,966 |
| Additional noninterest expense | $922,000 | 5,072 |
| Pre-tax net operating income | $962,000 | 6,104 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $234,000 | 6,767 |
| Income before extraordinary items | $728,000 | 5,744 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $728,000 | 5,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 11,861 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $728,000 | 5,822 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,302,000 | 7,836 |
| Total interest expense | $1,439,000 | 7,407 |
| Net interest income | $1,863,000 | 8,066 |
| Provision for loan and lease losses | $128,000 | 5,054 |
| Total noninterest income | $1,587,000 | 2,335 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $211,000 | 5,764 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,376,000 | 1,653 |
| Total noninterest expense | $2,798,000 | 4,795 |
| Salaries and employee benefits | $1,343,000 | 4,741 |
| Premises and equipment expense | $420,000 | 4,523 |
| Additional noninterest expense | $1,035,000 | 4,769 |
| Pre-tax net operating income | $524,000 | 8,499 |
| Securities gains (losses) | $168,000 | 1,872 |
| Applicable income taxes | $-131,000 | 12,986 |
| Income before extraordinary items | $823,000 | 5,446 |
| Extraordinary gains, net | $129,000 | 1,357 |
| Net income | $952,000 | 5,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 4,033 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $655,000 | 6,156 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,529,000 | 9,863 |
| Total interest expense | $1,382,000 | 8,920 |
| Net interest income | $1,147,000 | 10,524 |
| Provision for loan and lease losses | $264,000 | 4,465 |
| Total noninterest income | $1,005,000 | 3,306 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 6,843 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $844,000 | 2,239 |
| Total noninterest expense | $1,968,000 | 6,465 |
| Salaries and employee benefits | $981,000 | 6,133 |
| Premises and equipment expense | $359,000 | 5,264 |
| Additional noninterest expense | $628,000 | 7,274 |
| Pre-tax net operating income | $-80,000 | 12,910 |
| Securities gains (losses) | $101,000 | 2,989 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $21,000 | 12,769 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $21,000 | 12,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 5,631 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-80,000 | 12,876 |
* 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.