Home > First Community Bank of Crawford County > Income and Expense
First Community Bank of Crawford County, Income and Expense
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $3,250,000 | 5,077 |
| Total interest expense | $597,000 | 4,089 |
| Net interest income | $2,653,000 | 5,188 |
| Provision for loan and lease losses | $3,626,000 | 366 |
| Total noninterest income | $392,000 | 4,769 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $224,000 | 3,906 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $168,000 | 4,833 |
| Total noninterest expense | $3,089,000 | 4,546 |
| Salaries and employee benefits | $1,023,000 | 5,495 |
| Premises and equipment expense | $551,000 | 3,509 |
| Additional noninterest expense | $1,515,000 | 3,633 |
| Pre-tax net operating income | $-3,670,000 | 6,733 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $-1,299,000 | 6,704 |
| Income before extraordinary items | $-2,371,000 | 6,692 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,371,000 | 6,692 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-2,371,000 | 6,692 |
| Net charge-offs | $1,728,000 | 843 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $-2,371,000 | 6,684 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $2,530,000 | 5,074 |
| Total interest expense | $438,000 | 4,218 |
| Net interest income | $2,092,000 | 5,133 |
| Provision for loan and lease losses | $1,668,000 | 578 |
| Total noninterest income | $410,000 | 4,343 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $163,000 | 3,998 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $247,000 | 4,029 |
| Total noninterest expense | $2,563,000 | 4,337 |
| Salaries and employee benefits | $868,000 | 5,340 |
| Premises and equipment expense | $422,000 | 3,491 |
| Additional noninterest expense | $1,273,000 | 3,345 |
| Pre-tax net operating income | $-1,729,000 | 6,770 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $-698,000 | 6,813 |
| Income before extraordinary items | $-1,031,000 | 6,718 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $-1,031,000 | 6,719 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-1,031,000 | 6,719 |
| Net charge-offs | $1,370,000 | 794 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-1,031,000 | 6,710 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $1,788,000 | 4,951 |
| Total interest expense | $303,000 | 4,204 |
| Net interest income | $1,485,000 | 4,996 |
| Provision for loan and lease losses | $1,568,000 | 463 |
| Total noninterest income | $253,000 | 4,506 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $106,000 | 4,008 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $147,000 | 4,234 |
| Total noninterest expense | $1,732,000 | 4,322 |
| Salaries and employee benefits | $581,000 | 5,362 |
| Premises and equipment expense | $281,000 | 3,515 |
| Additional noninterest expense | $870,000 | 3,291 |
| Pre-tax net operating income | $-1,562,000 | 6,852 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $-639,000 | 6,883 |
| Income before extraordinary items | $-923,000 | 6,798 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-923,000 | 6,800 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-923,000 | 6,799 |
| Net charge-offs | $1,084,000 | 719 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $-923,000 | 6,785 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $926,000 | 4,897 |
| Total interest expense | $159,000 | 4,201 |
| Net interest income | $767,000 | 4,952 |
| Provision for loan and lease losses | $326,000 | 935 |
| Total noninterest income | $68,000 | 5,375 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $53,000 | 3,986 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $15,000 | 5,890 |
| Total noninterest expense | $817,000 | 4,486 |
| Salaries and employee benefits | $288,000 | 5,413 |
| Premises and equipment expense | $151,000 | 3,367 |
| Additional noninterest expense | $378,000 | 3,654 |
| Pre-tax net operating income | $-308,000 | 6,793 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $-131,000 | 6,936 |
| Income before extraordinary items | $-177,000 | 6,733 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-177,000 | 6,734 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-177,000 | 6,734 |
| Net charge-offs | $387,000 | 899 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-177,000 | 6,712 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $4,311,000 | 4,672 |
| Total interest expense | $1,014,000 | 3,573 |
| Net interest income | $3,297,000 | 4,895 |
| Provision for loan and lease losses | $1,757,000 | 1,181 |
| Total noninterest income | $-299,000 | 6,960 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $265,000 | 3,723 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-564,000 | 6,946 |
| Total noninterest expense | $3,260,000 | 4,546 |
| Salaries and employee benefits | $1,025,000 | 5,655 |
| Premises and equipment expense | $621,000 | 3,304 |
| Additional noninterest expense | $1,614,000 | 3,605 |
| Pre-tax net operating income | $-2,019,000 | 6,808 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $-773,000 | 6,938 |
| Income before extraordinary items | $-1,246,000 | 6,752 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,246,000 | 6,748 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-1,246,000 | 6,749 |
| Net charge-offs | $1,887,000 | 1,215 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-1,246,000 | 6,724 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $3,277,000 | 4,726 |
| Total interest expense | $820,000 | 3,522 |
| Net interest income | $2,457,000 | 4,990 |
| Provision for loan and lease losses | $650,000 | 1,939 |
| Total noninterest income | $325,000 | 4,746 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $202,000 | 3,733 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $123,000 | 4,862 |
| Total noninterest expense | $2,441,000 | 4,569 |
| Salaries and employee benefits | $726,000 | 5,806 |
| Premises and equipment expense | $473,000 | 3,302 |
| Additional noninterest expense | $1,242,000 | 3,555 |
| Pre-tax net operating income | $-309,000 | 6,591 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-309,000 | 6,681 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-309,000 | 6,679 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-309,000 | 6,679 |
| Net charge-offs | $1,133,000 | 1,342 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-309,000 | 6,608 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $2,287,000 | 4,643 |
| Total interest expense | $585,000 | 3,459 |
| Net interest income | $1,702,000 | 4,925 |
| Provision for loan and lease losses | $100,000 | 3,821 |
| Total noninterest income | $248,000 | 4,552 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $136,000 | 3,701 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $112,000 | 4,494 |
| Total noninterest expense | $1,619,000 | 4,615 |
| Salaries and employee benefits | $468,000 | 5,902 |
| Premises and equipment expense | $309,000 | 3,363 |
| Additional noninterest expense | $842,000 | 3,540 |
| Pre-tax net operating income | $231,000 | 5,151 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $231,000 | 5,156 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $231,000 | 5,156 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $231,000 | 5,156 |
| Net charge-offs | $478,000 | 1,823 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $231,000 | 4,963 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,141,000 | 4,695 |
| Total interest expense | $300,000 | 3,516 |
| Net interest income | $841,000 | 4,979 |
| Provision for loan and lease losses | $100,000 | 2,838 |
| Total noninterest income | $118,000 | 4,653 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $72,000 | 3,586 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $46,000 | 4,834 |
| Total noninterest expense | $678,000 | 5,084 |
| Salaries and employee benefits | $236,000 | 5,939 |
| Premises and equipment expense | $167,000 | 3,198 |
| Additional noninterest expense | $275,000 | 4,606 |
| Pre-tax net operating income | $181,000 | 4,654 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $181,000 | 4,536 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $181,000 | 4,539 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $181,000 | 4,539 |
| Net charge-offs | $118,000 | 2,308 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $181,000 | 4,402 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,703,000 | 4,720 |
| Total interest expense | $1,365,000 | 3,666 |
| Net interest income | $3,338,000 | 5,023 |
| Provision for loan and lease losses | $1,922,000 | 1,615 |
| Total noninterest income | $518,000 | 4,330 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $355,000 | 3,276 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $163,000 | 4,735 |
| Total noninterest expense | $6,403,000 | 2,893 |
| Salaries and employee benefits | $1,096,000 | 5,701 |
| Premises and equipment expense | $642,000 | 3,400 |
| Additional noninterest expense | $4,665,000 | 1,469 |
| Pre-tax net operating income | $-4,469,000 | 7,025 |
| Securities gains (losses) | $27,000 | 2,953 |
| Applicable income taxes | $-321,000 | 6,989 |
| Income before extraordinary items | $-4,121,000 | 7,023 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,121,000 | 7,024 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-4,121,000 | 7,024 |
| Net charge-offs | $1,149,000 | 2,195 |
| Cash dividends | $35,000 | 4,052 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-4,146,110 | 7,008 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,570,000 | 4,751 |
| Total interest expense | $1,052,000 | 3,718 |
| Net interest income | $2,518,000 | 5,041 |
| Provision for loan and lease losses | $570,000 | 2,689 |
| Total noninterest income | $385,000 | 4,397 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $262,000 | 3,315 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $123,000 | 4,836 |
| Total noninterest expense | $2,127,000 | 5,041 |
| Salaries and employee benefits | $856,000 | 5,631 |
| Premises and equipment expense | $476,000 | 3,471 |
| Additional noninterest expense | $795,000 | 4,796 |
| Pre-tax net operating income | $206,000 | 5,450 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $-185,000 | 7,080 |
| Income before extraordinary items | $391,000 | 4,695 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $391,000 | 4,696 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $391,000 | 4,696 |
| Net charge-offs | $960,000 | 1,934 |
| Cash dividends | $35,000 | 3,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $391,000 | 4,569 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,365,000 | 4,808 |
| Total interest expense | $709,000 | 3,781 |
| Net interest income | $1,656,000 | 5,083 |
| Provision for loan and lease losses | $370,000 | 2,692 |
| Total noninterest income | $255,000 | 4,438 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $170,000 | 3,347 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $85,000 | 4,794 |
| Total noninterest expense | $1,359,000 | 5,196 |
| Salaries and employee benefits | $565,000 | 5,704 |
| Premises and equipment expense | $313,000 | 3,545 |
| Additional noninterest expense | $481,000 | 5,092 |
| Pre-tax net operating income | $182,000 | 5,224 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-216,000 | 7,227 |
| Income before extraordinary items | $398,000 | 3,987 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $398,000 | 3,988 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $398,000 | 3,989 |
| Net charge-offs | $181,000 | 3,213 |
| Cash dividends | $35,000 | 3,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $398,000 | 3,887 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,175,000 | 4,860 |
| Total interest expense | $360,000 | 3,843 |
| Net interest income | $815,000 | 5,119 |
| Provision for loan and lease losses | $120,000 | 3,114 |
| Total noninterest income | $128,000 | 4,473 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $79,000 | 3,463 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $49,000 | 4,699 |
| Total noninterest expense | $683,000 | 5,221 |
| Salaries and employee benefits | $295,000 | 5,644 |
| Premises and equipment expense | $157,000 | 3,576 |
| Additional noninterest expense | $231,000 | 5,200 |
| Pre-tax net operating income | $140,000 | 4,733 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-178,000 | 7,363 |
| Income before extraordinary items | $318,000 | 3,097 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $318,000 | 3,095 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $318,000 | 3,097 |
| Net charge-offs | $34,000 | 3,663 |
| Cash dividends | $35,000 | 2,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $318,000 | 3,046 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,774,000 | 4,946 |
| Total interest expense | $1,532,000 | 4,219 |
| Net interest income | $3,242,000 | 5,157 |
| Provision for loan and lease losses | $880,000 | 3,252 |
| Total noninterest income | $616,000 | 4,186 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $361,000 | 3,270 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $255,000 | 4,218 |
| Total noninterest expense | $2,889,000 | 5,119 |
| Salaries and employee benefits | $1,177,000 | 5,720 |
| Premises and equipment expense | $638,000 | 3,555 |
| Additional noninterest expense | $1,074,000 | 4,909 |
| Pre-tax net operating income | $89,000 | 5,505 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-11,000 | 6,574 |
| Income before extraordinary items | $100,000 | 5,614 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $100,000 | 5,616 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $100,000 | 5,616 |
| Net charge-offs | $53,000 | 5,875 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $100,000 | 5,481 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,599,000 | 5,027 |
| Total interest expense | $1,159,000 | 4,335 |
| Net interest income | $2,440,000 | 5,200 |
| Provision for loan and lease losses | $305,000 | 4,289 |
| Total noninterest income | $447,000 | 4,292 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $267,000 | 3,379 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $180,000 | 4,351 |
| Total noninterest expense | $2,170,000 | 5,137 |
| Salaries and employee benefits | $904,000 | 5,699 |
| Premises and equipment expense | $488,000 | 3,548 |
| Additional noninterest expense | $778,000 | 4,997 |
| Pre-tax net operating income | $412,000 | 4,464 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-8,000 | 6,828 |
| Income before extraordinary items | $420,000 | 4,403 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $420,000 | 4,404 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $420,000 | 4,404 |
| Net charge-offs | $21,000 | 6,000 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $420,000 | 4,229 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,332,000 | 5,135 |
| Total interest expense | $790,000 | 4,383 |
| Net interest income | $1,542,000 | 5,364 |
| Provision for loan and lease losses | $305,000 | 3,565 |
| Total noninterest income | $285,000 | 4,365 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $172,000 | 3,446 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $113,000 | 4,429 |
| Total noninterest expense | $1,382,000 | 5,285 |
| Salaries and employee benefits | $615,000 | 5,668 |
| Premises and equipment expense | $320,000 | 3,628 |
| Additional noninterest expense | $447,000 | 5,384 |
| Pre-tax net operating income | $140,000 | 5,266 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-42,000 | 7,050 |
| Income before extraordinary items | $182,000 | 5,014 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $182,000 | 5,016 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $182,000 | 5,015 |
| Net charge-offs | $14,000 | 5,661 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $182,000 | 4,861 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,133,000 | 5,281 |
| Total interest expense | $398,000 | 4,492 |
| Net interest income | $735,000 | 5,531 |
| Provision for loan and lease losses | $40,000 | 5,088 |
| Total noninterest income | $136,000 | 4,491 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $84,000 | 3,502 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $52,000 | 4,626 |
| Total noninterest expense | $673,000 | 5,422 |
| Salaries and employee benefits | $317,000 | 5,664 |
| Premises and equipment expense | $166,000 | 3,615 |
| Additional noninterest expense | $190,000 | 5,817 |
| Pre-tax net operating income | $158,000 | 4,478 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-56,000 | 7,349 |
| Income before extraordinary items | $214,000 | 3,756 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $214,000 | 3,753 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $214,000 | 3,755 |
| Net charge-offs | $5,000 | 5,141 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $214,000 | 3,635 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,593,000 | 5,361 |
| Total interest expense | $1,988,000 | 4,476 |
| Net interest income | $2,605,000 | 5,737 |
| Provision for loan and lease losses | $540,000 | 4,422 |
| Total noninterest income | $650,000 | 4,217 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $385,000 | 3,402 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $265,000 | 4,178 |
| Total noninterest expense | $2,888,000 | 5,293 |
| Salaries and employee benefits | $1,283,000 | 5,644 |
| Premises and equipment expense | $747,000 | 3,296 |
| Additional noninterest expense | $858,000 | 5,639 |
| Pre-tax net operating income | $-173,000 | 5,676 |
| Securities gains (losses) | $202,000 | 1,545 |
| Applicable income taxes | $64,000 | 3,131 |
| Income before extraordinary items | $-35,000 | 5,600 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-35,000 | 5,598 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-35,000 | 5,598 |
| Net charge-offs | $519,000 | 3,732 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 1,010 |
| Net operating income | $-164,280 | 5,769 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,416,000 | 5,458 |
| Total interest expense | $1,528,000 | 4,550 |
| Net interest income | $1,888,000 | 5,835 |
| Provision for loan and lease losses | $540,000 | 3,688 |
| Total noninterest income | $497,000 | 4,237 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $277,000 | 3,478 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $220,000 | 4,131 |
| Total noninterest expense | $2,231,000 | 5,208 |
| Salaries and employee benefits | $1,042,000 | 5,452 |
| Premises and equipment expense | $600,000 | 3,164 |
| Additional noninterest expense | $589,000 | 5,871 |
| Pre-tax net operating income | $-386,000 | 6,224 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $7,000 | 4,144 |
| Income before extraordinary items | $-393,000 | 6,328 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-393,000 | 6,329 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-393,000 | 6,328 |
| Net charge-offs | $514,000 | 3,011 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 873 |
| Net operating income | $-393,000 | 6,323 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,280,000 | 5,501 |
| Total interest expense | $1,033,000 | 4,640 |
| Net interest income | $1,247,000 | 5,875 |
| Provision for loan and lease losses | $25,000 | 6,581 |
| Total noninterest income | $323,000 | 4,291 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $176,000 | 3,563 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $147,000 | 4,160 |
| Total noninterest expense | $1,494,000 | 5,263 |
| Salaries and employee benefits | $731,000 | 5,364 |
| Premises and equipment expense | $395,000 | 3,212 |
| Additional noninterest expense | $368,000 | 6,032 |
| Pre-tax net operating income | $51,000 | 5,517 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-58,000 | 7,032 |
| Income before extraordinary items | $109,000 | 5,134 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $109,000 | 5,132 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $109,000 | 5,133 |
| Net charge-offs | $113,000 | 4,116 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 744 |
| Net operating income | $109,000 | 5,045 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,148,000 | 5,541 |
| Total interest expense | $521,000 | 4,729 |
| Net interest income | $627,000 | 5,885 |
| Provision for loan and lease losses | $15,000 | 6,043 |
| Total noninterest income | $142,000 | 4,524 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $80,000 | 3,714 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $62,000 | 4,465 |
| Total noninterest expense | $746,000 | 5,200 |
| Salaries and employee benefits | $383,000 | 5,282 |
| Premises and equipment expense | $179,000 | 3,512 |
| Additional noninterest expense | $184,000 | 5,798 |
| Pre-tax net operating income | $8,000 | 6,152 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-24,000 | 7,294 |
| Income before extraordinary items | $32,000 | 5,959 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $32,000 | 5,961 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $32,000 | 5,961 |
| Net charge-offs | $87,000 | 3,021 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 444 |
| Net operating income | $32,000 | 5,796 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,472,000 | 5,751 |
| Total interest expense | $2,238,000 | 5,037 |
| Net interest income | $2,234,000 | 6,173 |
| Provision for loan and lease losses | $285,000 | 4,711 |
| Total noninterest income | $602,000 | 4,463 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $341,000 | 3,774 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $261,000 | 4,348 |
| Total noninterest expense | $2,575,000 | 5,574 |
| Salaries and employee benefits | $1,333,000 | 5,669 |
| Premises and equipment expense | $590,000 | 3,994 |
| Additional noninterest expense | $652,000 | 6,012 |
| Pre-tax net operating income | $-24,000 | 6,373 |
| Securities gains (losses) | $47,000 | 1,652 |
| Applicable income taxes | $-409,000 | 7,417 |
| Income before extraordinary items | $432,000 | 4,652 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $432,000 | 4,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 5,301 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $-13,000 | 8,204 |
| Net operating income | $385,000 | 4,966 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,325,000 | 5,844 |
| Total interest expense | $1,568,000 | 5,316 |
| Net interest income | $1,757,000 | 6,100 |
| Provision for loan and lease losses | $240,000 | 3,905 |
| Total noninterest income | $455,000 | 4,551 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $265,000 | 3,732 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $190,000 | 4,521 |
| Total noninterest expense | $1,863,000 | 5,662 |
| Salaries and employee benefits | $1,011,000 | 5,654 |
| Premises and equipment expense | $404,000 | 4,288 |
| Additional noninterest expense | $448,000 | 6,193 |
| Pre-tax net operating income | $109,000 | 6,368 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-260,000 | 7,714 |
| Income before extraordinary items | $369,000 | 4,900 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $369,000 | 4,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,358 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $-13,000 | 8,300 |
| Net operating income | $369,000 | 5,069 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,204,000 | 5,927 |
| Total interest expense | $1,080,000 | 5,389 |
| Net interest income | $1,124,000 | 6,208 |
| Provision for loan and lease losses | $65,000 | 4,825 |
| Total noninterest income | $306,000 | 4,575 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $172,000 | 3,789 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $134,000 | 4,495 |
| Total noninterest expense | $1,203,000 | 5,785 |
| Salaries and employee benefits | $668,000 | 5,737 |
| Premises and equipment expense | $253,000 | 4,474 |
| Additional noninterest expense | $282,000 | 6,338 |
| Pre-tax net operating income | $162,000 | 6,047 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-100,000 | 7,859 |
| Income before extraordinary items | $262,000 | 5,211 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $262,000 | 5,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,847 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $-27,000 | 8,385 |
| Net operating income | $262,000 | 5,143 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,121,000 | 5,962 |
| Total interest expense | $557,000 | 5,483 |
| Net interest income | $564,000 | 6,238 |
| Provision for loan and lease losses | $20,000 | 4,875 |
| Total noninterest income | $153,000 | 4,570 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $88,000 | 3,708 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $65,000 | 4,545 |
| Total noninterest expense | $592,000 | 5,848 |
| Salaries and employee benefits | $346,000 | 5,669 |
| Premises and equipment expense | $118,000 | 4,678 |
| Additional noninterest expense | $128,000 | 6,565 |
| Pre-tax net operating income | $105,000 | 5,951 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-30,000 | 7,953 |
| Income before extraordinary items | $135,000 | 5,386 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $135,000 | 5,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,138 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $135,000 | 5,287 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,150,000 | 6,158 |
| Total interest expense | $2,101,000 | 5,724 |
| Net interest income | $2,049,000 | 6,445 |
| Provision for loan and lease losses | $50,000 | 5,648 |
| Total noninterest income | $495,000 | 5,053 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $280,000 | 4,220 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $215,000 | 4,918 |
| Total noninterest expense | $2,220,000 | 5,929 |
| Salaries and employee benefits | $1,170,000 | 6,056 |
| Premises and equipment expense | $503,000 | 4,341 |
| Additional noninterest expense | $547,000 | 6,373 |
| Pre-tax net operating income | $274,000 | 6,666 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-90,000 | 8,012 |
| Income before extraordinary items | $364,000 | 6,184 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $364,000 | 6,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,999 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $282,000 | 660 |
| Net operating income | $364,000 | 6,171 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,032,000 | 6,243 |
| Total interest expense | $1,525,000 | 5,828 |
| Net interest income | $1,507,000 | 6,519 |
| Provision for loan and lease losses | $25,000 | 5,669 |
| Total noninterest income | $356,000 | 5,163 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $195,000 | 4,391 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $161,000 | 4,932 |
| Total noninterest expense | $1,659,000 | 5,910 |
| Salaries and employee benefits | $874,000 | 6,056 |
| Premises and equipment expense | $378,000 | 4,329 |
| Additional noninterest expense | $407,000 | 6,352 |
| Pre-tax net operating income | $179,000 | 7,047 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-59,000 | 8,181 |
| Income before extraordinary items | $238,000 | 6,611 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $238,000 | 6,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,035 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $282,000 | 518 |
| Net operating income | $238,000 | 6,601 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,962,000 | 6,341 |
| Total interest expense | $977,000 | 5,924 |
| Net interest income | $985,000 | 6,622 |
| Provision for loan and lease losses | $10,000 | 5,732 |
| Total noninterest income | $224,000 | 5,345 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $117,000 | 4,630 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $107,000 | 4,994 |
| Total noninterest expense | $1,065,000 | 6,068 |
| Salaries and employee benefits | $560,000 | 6,220 |
| Premises and equipment expense | $245,000 | 4,442 |
| Additional noninterest expense | $260,000 | 6,487 |
| Pre-tax net operating income | $134,000 | 7,061 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-28,000 | 8,236 |
| Income before extraordinary items | $162,000 | 6,647 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $162,000 | 6,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 7,982 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $275,000 | 393 |
| Net operating income | $162,000 | 6,641 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $909,000 | 6,535 |
| Total interest expense | $474,000 | 5,982 |
| Net interest income | $435,000 | 6,929 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $110,000 | 5,340 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $44,000 | 5,130 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $66,000 | 4,572 |
| Total noninterest expense | $535,000 | 6,112 |
| Salaries and employee benefits | $284,000 | 6,209 |
| Premises and equipment expense | $117,000 | 4,586 |
| Additional noninterest expense | $134,000 | 6,421 |
| Pre-tax net operating income | $10,000 | 7,744 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-30,000 | 8,356 |
| Income before extraordinary items | $40,000 | 7,298 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $40,000 | 7,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,955 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $275,000 | 209 |
| Net operating income | $40,000 | 7,291 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,363,000 | 6,511 |
| Total interest expense | $1,621,000 | 5,932 |
| Net interest income | $1,742,000 | 6,881 |
| Provision for loan and lease losses | $5,000 | 6,719 |
| Total noninterest income | $312,000 | 6,099 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $210,000 | 4,878 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $102,000 | 6,296 |
| Total noninterest expense | $1,815,000 | 6,419 |
| Salaries and employee benefits | $1,015,000 | 6,378 |
| Premises and equipment expense | $425,000 | 4,737 |
| Additional noninterest expense | $375,000 | 7,186 |
| Pre-tax net operating income | $234,000 | 7,294 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $234,000 | 7,152 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $234,000 | 7,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,066 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $234,000 | 7,147 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,462,000 | 6,603 |
| Total interest expense | $1,157,000 | 5,998 |
| Net interest income | $1,305,000 | 6,964 |
| Provision for loan and lease losses | $5,000 | 6,530 |
| Total noninterest income | $237,000 | 6,136 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $170,000 | 4,767 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $67,000 | 6,506 |
| Total noninterest expense | $1,391,000 | 6,363 |
| Salaries and employee benefits | $741,000 | 6,438 |
| Premises and equipment expense | $313,000 | 4,791 |
| Additional noninterest expense | $337,000 | 6,822 |
| Pre-tax net operating income | $146,000 | 7,641 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $146,000 | 7,502 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $146,000 | 7,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 2,383 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $146,000 | 7,509 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,609,000 | 6,642 |
| Total interest expense | $739,000 | 6,014 |
| Net interest income | $870,000 | 7,000 |
| Provision for loan and lease losses | $5,000 | 6,229 |
| Total noninterest income | $165,000 | 6,054 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $114,000 | 4,721 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $51,000 | 6,354 |
| Total noninterest expense | $941,000 | 6,343 |
| Salaries and employee benefits | $505,000 | 6,412 |
| Premises and equipment expense | $205,000 | 4,859 |
| Additional noninterest expense | $231,000 | 6,773 |
| Pre-tax net operating income | $89,000 | 7,754 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $89,000 | 7,615 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $89,000 | 7,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 1,561 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $89,000 | 7,622 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $790,000 | 6,670 |
| Total interest expense | $359,000 | 5,974 |
| Net interest income | $431,000 | 7,037 |
| Provision for loan and lease losses | $5,000 | 5,672 |
| Total noninterest income | $91,000 | 5,791 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $67,000 | 4,315 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,429 |
| Total noninterest expense | $463,000 | 6,389 |
| Salaries and employee benefits | $247,000 | 6,491 |
| Premises and equipment expense | $101,000 | 4,920 |
| Additional noninterest expense | $115,000 | 6,747 |
| Pre-tax net operating income | $54,000 | 7,643 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $54,000 | 7,470 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $54,000 | 7,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,694 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $54,000 | 7,476 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,965,000 | 6,615 |
| Total interest expense | $1,049,000 | 6,164 |
| Net interest income | $1,916,000 | 6,731 |
| Provision for loan and lease losses | $60,000 | 5,443 |
| Total noninterest income | $315,000 | 6,233 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $227,000 | 4,785 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $88,000 | 6,605 |
| Total noninterest expense | $1,977,000 | 6,148 |
| Salaries and employee benefits | $1,020,000 | 6,295 |
| Premises and equipment expense | $418,000 | 4,728 |
| Additional noninterest expense | $539,000 | 6,359 |
| Pre-tax net operating income | $194,000 | 7,725 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $194,000 | 7,620 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $194,000 | 7,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 2,500 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $194,000 | 7,587 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,201,000 | 6,640 |
| Total interest expense | $747,000 | 6,188 |
| Net interest income | $1,454,000 | 6,745 |
| Provision for loan and lease losses | $60,000 | 4,948 |
| Total noninterest income | $219,000 | 6,402 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $166,000 | 4,859 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $53,000 | 6,977 |
| Total noninterest expense | $1,487,000 | 6,115 |
| Salaries and employee benefits | $787,000 | 6,181 |
| Premises and equipment expense | $312,000 | 4,705 |
| Additional noninterest expense | $388,000 | 6,445 |
| Pre-tax net operating income | $126,000 | 7,922 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $126,000 | 7,829 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $126,000 | 7,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 1,969 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $126,000 | 7,794 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,465,000 | 6,621 |
| Total interest expense | $474,000 | 6,175 |
| Net interest income | $991,000 | 6,682 |
| Provision for loan and lease losses | $50,000 | 4,523 |
| Total noninterest income | $147,000 | 6,372 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $112,000 | 4,793 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $35,000 | 6,983 |
| Total noninterest expense | $1,001,000 | 6,064 |
| Salaries and employee benefits | $530,000 | 6,165 |
| Premises and equipment expense | $202,000 | 4,786 |
| Additional noninterest expense | $269,000 | 6,321 |
| Pre-tax net operating income | $87,000 | 7,912 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $87,000 | 7,836 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $87,000 | 7,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 1,580 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $87,000 | 7,794 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $721,000 | 6,674 |
| Total interest expense | $231,000 | 6,167 |
| Net interest income | $490,000 | 6,763 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $86,000 | 6,003 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $62,000 | 4,532 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,543 |
| Total noninterest expense | $521,000 | 5,966 |
| Salaries and employee benefits | $271,000 | 6,125 |
| Premises and equipment expense | $100,000 | 4,863 |
| Additional noninterest expense | $150,000 | 6,007 |
| Pre-tax net operating income | $25,000 | 8,202 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $25,000 | 8,168 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $25,000 | 8,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 1,034 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $25,000 | 8,143 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,219,000 | 6,220 |
| Total interest expense | $1,004,000 | 5,640 |
| Net interest income | $2,215,000 | 6,355 |
| Provision for loan and lease losses | $306,000 | 2,867 |
| Total noninterest income | $342,000 | 6,139 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $239,000 | 4,837 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $103,000 | 6,364 |
| Total noninterest expense | $2,504,000 | 5,302 |
| Salaries and employee benefits | $1,239,000 | 5,596 |
| Premises and equipment expense | $399,000 | 4,771 |
| Additional noninterest expense | $866,000 | 4,829 |
| Pre-tax net operating income | $-253,000 | 8,557 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-58,000 | 8,685 |
| Income before extraordinary items | $-195,000 | 8,582 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-195,000 | 8,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $518,000 | 1,302 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $520,000 | 466 |
| Net operating income | $-195,000 | 8,548 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,465,000 | 6,152 |
| Total interest expense | $763,000 | 5,579 |
| Net interest income | $1,702,000 | 6,283 |
| Provision for loan and lease losses | $271,000 | 2,425 |
| Total noninterest income | $264,000 | 6,097 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $178,000 | 4,879 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $86,000 | 6,193 |
| Total noninterest expense | $1,905,000 | 5,204 |
| Salaries and employee benefits | $935,000 | 5,532 |
| Premises and equipment expense | $298,000 | 4,774 |
| Additional noninterest expense | $672,000 | 4,675 |
| Pre-tax net operating income | $-210,000 | 8,653 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-210,000 | 8,688 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-210,000 | 8,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $347,000 | 1,305 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-210,000 | 8,661 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,683,000 | 6,105 |
| Total interest expense | $519,000 | 5,542 |
| Net interest income | $1,164,000 | 6,246 |
| Provision for loan and lease losses | $271,000 | 1,717 |
| Total noninterest income | $187,000 | 5,974 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $116,000 | 4,937 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $71,000 | 5,821 |
| Total noninterest expense | $1,259,000 | 5,264 |
| Salaries and employee benefits | $629,000 | 5,538 |
| Premises and equipment expense | $211,000 | 4,611 |
| Additional noninterest expense | $419,000 | 4,901 |
| Pre-tax net operating income | $-179,000 | 8,755 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-179,000 | 8,778 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-179,000 | 8,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $281,000 | 1,091 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-179,000 | 8,751 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $860,000 | 6,057 |
| Total interest expense | $266,000 | 5,540 |
| Net interest income | $594,000 | 6,191 |
| Provision for loan and lease losses | $177,000 | 1,285 |
| Total noninterest income | $84,000 | 6,172 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $56,000 | 4,941 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $28,000 | 6,237 |
| Total noninterest expense | $580,000 | 5,558 |
| Salaries and employee benefits | $318,000 | 5,540 |
| Premises and equipment expense | $115,000 | 4,370 |
| Additional noninterest expense | $147,000 | 6,069 |
| Pre-tax net operating income | $-79,000 | 8,769 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-79,000 | 8,804 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-79,000 | 8,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 847 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-79,000 | 8,772 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,369,000 | 6,150 |
| Total interest expense | $1,113,000 | 5,809 |
| Net interest income | $2,256,000 | 6,248 |
| Provision for loan and lease losses | $1,034,000 | 1,143 |
| Total noninterest income | $209,000 | 7,274 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $178,000 | 5,511 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $31,000 | 8,089 |
| Total noninterest expense | $2,048,000 | 5,919 |
| Salaries and employee benefits | $1,043,000 | 6,112 |
| Premises and equipment expense | $384,000 | 4,871 |
| Additional noninterest expense | $621,000 | 5,875 |
| Pre-tax net operating income | $-617,000 | 8,868 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $164,000 | 5,176 |
| Income before extraordinary items | $-781,000 | 8,990 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-781,000 | 8,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $435,000 | 1,784 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-781,000 | 8,938 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,468,000 | 6,292 |
| Total interest expense | $832,000 | 5,954 |
| Net interest income | $1,636,000 | 6,380 |
| Provision for loan and lease losses | $570,000 | 1,481 |
| Total noninterest income | $349,000 | 5,670 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $154,000 | 5,246 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $195,000 | 4,845 |
| Total noninterest expense | $1,411,000 | 6,151 |
| Salaries and employee benefits | $800,000 | 6,009 |
| Premises and equipment expense | $247,000 | 5,373 |
| Additional noninterest expense | $364,000 | 6,618 |
| Pre-tax net operating income | $4,000 | 8,613 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $4,000 | 8,705 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,000 | 8,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,288 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,000 | 8,610 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,565,000 | 6,502 |
| Total interest expense | $522,000 | 6,257 |
| Net interest income | $1,043,000 | 6,510 |
| Provision for loan and lease losses | $152,000 | 2,982 |
| Total noninterest income | $201,000 | 5,995 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $95,000 | 5,392 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $106,000 | 5,230 |
| Total noninterest expense | $905,000 | 6,320 |
| Salaries and employee benefits | $527,000 | 6,063 |
| Premises and equipment expense | $156,000 | 5,529 |
| Additional noninterest expense | $222,000 | 6,875 |
| Pre-tax net operating income | $187,000 | 7,313 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $88,000 | 5,284 |
| Income before extraordinary items | $99,000 | 7,967 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $99,000 | 7,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,999 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $99,000 | 7,801 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $743,000 | 6,730 |
| Total interest expense | $251,000 | 6,479 |
| Net interest income | $492,000 | 6,697 |
| Provision for loan and lease losses | $63,000 | 3,194 |
| Total noninterest income | $101,000 | 5,896 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $47,000 | 5,348 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $54,000 | 5,123 |
| Total noninterest expense | $444,000 | 6,381 |
| Salaries and employee benefits | $259,000 | 6,127 |
| Premises and equipment expense | $76,000 | 5,602 |
| Additional noninterest expense | $109,000 | 6,915 |
| Pre-tax net operating income | $86,000 | 7,426 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $32,000 | 5,652 |
| Income before extraordinary items | $54,000 | 7,793 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $54,000 | 7,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,212 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $54,000 | 7,648 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,349,000 | 7,485 |
| Total interest expense | $801,000 | 7,510 |
| Net interest income | $1,548,000 | 7,354 |
| Provision for loan and lease losses | $68,000 | 6,337 |
| Total noninterest income | $318,000 | 6,346 |
| Gross Fiduciary activities income | $5,000 | 1,497 |
| Service charges on deposit accounts | $156,000 | 5,767 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $157,000 | 5,501 |
| Total noninterest expense | $1,390,000 | 7,074 |
| Salaries and employee benefits | $770,000 | 6,995 |
| Premises and equipment expense | $235,000 | 6,327 |
| Additional noninterest expense | $385,000 | 7,255 |
| Pre-tax net operating income | $408,000 | 7,132 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $120,000 | 5,784 |
| Income before extraordinary items | $288,000 | 7,380 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $288,000 | 7,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,374 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $1,964,000 | 300 |
| Net operating income | $288,000 | 7,277 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,556,000 | 8,673 |
| Total interest expense | $702,000 | 8,617 |
| Net interest income | $854,000 | 8,568 |
| Provision for loan and lease losses | $285,000 | 3,330 |
| Total noninterest income | $114,000 | 8,320 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $71,000 | 7,149 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $43,000 | 7,892 |
| Total noninterest expense | $937,000 | 8,122 |
| Salaries and employee benefits | $512,000 | 8,119 |
| Premises and equipment expense | $155,000 | 7,436 |
| Additional noninterest expense | $270,000 | 8,073 |
| Pre-tax net operating income | $-254,000 | 8,995 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-93,000 | 9,248 |
| Income before extraordinary items | $-161,000 | 9,010 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-161,000 | 9,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,750 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-161,000 | 8,951 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $361,000 | 9,767 |
| Total interest expense | $163,000 | 9,698 |
| Net interest income | $198,000 | 9,773 |
| Provision for loan and lease losses | $63,000 | 6,132 |
| Total noninterest income | $110,000 | 8,452 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 8,554 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,248 |
| Total noninterest expense | $772,000 | 8,640 |
| Salaries and employee benefits | $462,000 | 8,435 |
| Premises and equipment expense | $78,000 | 8,823 |
| Additional noninterest expense | $232,000 | 8,482 |
| Pre-tax net operating income | $-527,000 | 9,548 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-189,000 | 9,686 |
| Income before extraordinary items | $-338,000 | 9,468 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-338,000 | 9,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $3,293,000 | 286 |
| Net operating income | $-338,000 | 9,473 |
* 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.