Home > First National Bank > Income and Expense
First National Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $2,017,000 | 4,977 |
| Total interest expense | $411,000 | 4,274 |
| Net interest income | $1,606,000 | 5,059 |
| Provision for loan and lease losses | $40,000 | 4,724 |
| Total noninterest income | $183,000 | 5,017 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $109,000 | 4,141 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $74,000 | 5,029 |
| Total noninterest expense | $1,092,000 | 5,554 |
| Salaries and employee benefits | $616,000 | 5,405 |
| Premises and equipment expense | $83,000 | 6,085 |
| Additional noninterest expense | $393,000 | 5,371 |
| Pre-tax net operating income | $657,000 | 3,648 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $236,000 | 2,294 |
| Income before extraordinary items | $421,000 | 4,289 |
| Extraordinary gains, net | $14,000 | 17 |
| Net income | $435,000 | 4,229 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $435,000 | 4,228 |
| Net charge-offs | $-8,000 | 6,578 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $421,000 | 4,101 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,003,000 | 5,031 |
| Total interest expense | $211,000 | 4,326 |
| Net interest income | $792,000 | 5,111 |
| Provision for loan and lease losses | $40,000 | 3,905 |
| Total noninterest income | $89,000 | 5,111 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $51,000 | 4,252 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $38,000 | 5,091 |
| Total noninterest expense | $586,000 | 5,432 |
| Salaries and employee benefits | $348,000 | 5,150 |
| Premises and equipment expense | $44,000 | 6,052 |
| Additional noninterest expense | $194,000 | 5,426 |
| Pre-tax net operating income | $255,000 | 4,137 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $255,000 | 3,933 |
| Extraordinary gains, net | $14,000 | 13 |
| Net income | $269,000 | 3,838 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $269,000 | 3,838 |
| Net charge-offs | $-2,000 | 6,038 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $255,000 | 3,782 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,316,000 | 4,958 |
| Total interest expense | $968,000 | 4,478 |
| Net interest income | $3,348,000 | 5,017 |
| Provision for loan and lease losses | $140,000 | 5,014 |
| Total noninterest income | $381,000 | 4,859 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $273,000 | 3,790 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $108,000 | 5,241 |
| Total noninterest expense | $2,403,000 | 5,424 |
| Salaries and employee benefits | $1,492,000 | 4,976 |
| Premises and equipment expense | $203,000 | 5,984 |
| Additional noninterest expense | $708,000 | 5,665 |
| Pre-tax net operating income | $1,186,000 | 3,421 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $380,000 | 2,300 |
| Income before extraordinary items | $806,000 | 3,926 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $806,000 | 3,931 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $806,000 | 3,930 |
| Net charge-offs | $70,000 | 5,262 |
| Cash dividends | $195,000 | 3,395 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $806,000 | 3,802 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,206,000 | 5,044 |
| Total interest expense | $726,000 | 4,593 |
| Net interest income | $2,480,000 | 5,078 |
| Provision for loan and lease losses | $140,000 | 4,573 |
| Total noninterest income | $253,000 | 5,093 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $209,000 | 3,766 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $44,000 | 5,904 |
| Total noninterest expense | $1,720,000 | 5,555 |
| Salaries and employee benefits | $1,043,000 | 5,156 |
| Premises and equipment expense | $156,000 | 5,983 |
| Additional noninterest expense | $521,000 | 5,743 |
| Pre-tax net operating income | $873,000 | 3,558 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $191,000 | 2,697 |
| Income before extraordinary items | $682,000 | 3,802 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $682,000 | 3,803 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $682,000 | 3,803 |
| Net charge-offs | $41,000 | 5,112 |
| Cash dividends | $130,000 | 2,991 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $682,000 | 3,696 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,131,000 | 5,090 |
| Total interest expense | $490,000 | 4,687 |
| Net interest income | $1,641,000 | 5,108 |
| Provision for loan and lease losses | $120,000 | 4,174 |
| Total noninterest income | $154,000 | 5,265 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $136,000 | 3,793 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $18,000 | 6,313 |
| Total noninterest expense | $1,140,000 | 5,632 |
| Salaries and employee benefits | $695,000 | 5,200 |
| Premises and equipment expense | $98,000 | 6,122 |
| Additional noninterest expense | $347,000 | 5,827 |
| Pre-tax net operating income | $535,000 | 3,682 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $123,000 | 2,689 |
| Income before extraordinary items | $412,000 | 3,929 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $412,000 | 3,930 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $412,000 | 3,931 |
| Net charge-offs | $1,000 | 5,777 |
| Cash dividends | $65,000 | 3,011 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $412,000 | 3,825 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,072,000 | 5,090 |
| Total interest expense | $248,000 | 4,767 |
| Net interest income | $824,000 | 5,090 |
| Provision for loan and lease losses | $60,000 | 3,936 |
| Total noninterest income | $64,000 | 5,613 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $68,000 | 3,740 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-4,000 | 7,146 |
| Total noninterest expense | $588,000 | 5,601 |
| Salaries and employee benefits | $355,000 | 5,187 |
| Premises and equipment expense | $51,000 | 6,089 |
| Additional noninterest expense | $182,000 | 5,752 |
| Pre-tax net operating income | $240,000 | 3,909 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $21,000 | 3,412 |
| Income before extraordinary items | $219,000 | 3,822 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $219,000 | 3,820 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $219,000 | 3,822 |
| Net charge-offs | $1,000 | 4,979 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $219,000 | 3,771 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,549,000 | 5,074 |
| Total interest expense | $1,246,000 | 4,719 |
| Net interest income | $3,303,000 | 5,105 |
| Provision for loan and lease losses | $515,000 | 4,071 |
| Total noninterest income | $493,000 | 4,593 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $362,000 | 3,268 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $131,000 | 5,118 |
| Total noninterest expense | $2,400,000 | 5,596 |
| Salaries and employee benefits | $1,441,000 | 5,153 |
| Premises and equipment expense | $173,000 | 6,437 |
| Additional noninterest expense | $786,000 | 5,656 |
| Pre-tax net operating income | $881,000 | 3,597 |
| Securities gains (losses) | $41,000 | 2,778 |
| Applicable income taxes | $312,000 | 2,324 |
| Income before extraordinary items | $610,000 | 4,053 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $610,000 | 4,052 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $610,000 | 4,053 |
| Net charge-offs | $295,000 | 4,317 |
| Cash dividends | $248,000 | 3,109 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $582,940 | 3,971 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,370,000 | 5,202 |
| Total interest expense | $964,000 | 4,794 |
| Net interest income | $2,406,000 | 5,242 |
| Provision for loan and lease losses | $205,000 | 4,853 |
| Total noninterest income | $367,000 | 4,692 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $285,000 | 3,246 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $82,000 | 5,456 |
| Total noninterest expense | $1,793,000 | 5,651 |
| Salaries and employee benefits | $1,065,000 | 5,247 |
| Premises and equipment expense | $140,000 | 6,405 |
| Additional noninterest expense | $588,000 | 5,695 |
| Pre-tax net operating income | $775,000 | 3,523 |
| Securities gains (losses) | $39,000 | 2,572 |
| Applicable income taxes | $205,000 | 2,530 |
| Income before extraordinary items | $609,000 | 3,757 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $609,000 | 3,757 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $609,000 | 3,758 |
| Net charge-offs | $147,000 | 4,519 |
| Cash dividends | $180,000 | 2,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $579,750 | 3,697 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,232,000 | 5,258 |
| Total interest expense | $669,000 | 4,805 |
| Net interest income | $1,563,000 | 5,332 |
| Provision for loan and lease losses | $125,000 | 4,845 |
| Total noninterest income | $271,000 | 4,463 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $189,000 | 3,253 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $82,000 | 4,946 |
| Total noninterest expense | $1,241,000 | 5,571 |
| Salaries and employee benefits | $712,000 | 5,259 |
| Premises and equipment expense | $96,000 | 6,375 |
| Additional noninterest expense | $433,000 | 5,474 |
| Pre-tax net operating income | $468,000 | 3,741 |
| Securities gains (losses) | $39,000 | 2,038 |
| Applicable income taxes | $137,000 | 2,500 |
| Income before extraordinary items | $370,000 | 3,922 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $370,000 | 3,920 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $370,000 | 3,921 |
| Net charge-offs | $74,000 | 4,551 |
| Cash dividends | $130,000 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $341,530 | 3,936 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,088,000 | 5,381 |
| Total interest expense | $349,000 | 4,822 |
| Net interest income | $739,000 | 5,513 |
| Provision for loan and lease losses | $60,000 | 4,570 |
| Total noninterest income | $127,000 | 4,601 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $86,000 | 3,446 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $41,000 | 5,010 |
| Total noninterest expense | $642,000 | 5,556 |
| Salaries and employee benefits | $352,000 | 5,344 |
| Premises and equipment expense | $40,000 | 6,743 |
| Additional noninterest expense | $250,000 | 5,116 |
| Pre-tax net operating income | $164,000 | 4,410 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $68,000 | 2,501 |
| Income before extraordinary items | $96,000 | 5,028 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $96,000 | 5,029 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $96,000 | 5,028 |
| Net charge-offs | $-43,000 | 7,767 |
| Cash dividends | $65,000 | 2,154 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $96,000 | 4,910 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,836,000 | 5,216 |
| Total interest expense | $1,526,000 | 5,124 |
| Net interest income | $3,310,000 | 5,122 |
| Provision for loan and lease losses | $432,000 | 4,764 |
| Total noninterest income | $435,000 | 4,982 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $402,000 | 3,322 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $33,000 | 6,679 |
| Total noninterest expense | $2,522,000 | 5,658 |
| Salaries and employee benefits | $1,413,000 | 5,372 |
| Premises and equipment expense | $184,000 | 6,613 |
| Additional noninterest expense | $925,000 | 5,457 |
| Pre-tax net operating income | $791,000 | 3,364 |
| Securities gains (losses) | $49,000 | 2,636 |
| Applicable income taxes | $337,000 | 1,919 |
| Income before extraordinary items | $503,000 | 3,862 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $503,000 | 3,860 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $503,000 | 3,861 |
| Net charge-offs | $261,000 | 4,668 |
| Cash dividends | $175,000 | 3,758 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $471,640 | 3,878 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,667,000 | 5,249 |
| Total interest expense | $1,178,000 | 5,198 |
| Net interest income | $2,489,000 | 5,107 |
| Provision for loan and lease losses | $187,000 | 5,240 |
| Total noninterest income | $307,000 | 5,154 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $298,000 | 3,362 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $9,000 | 7,300 |
| Total noninterest expense | $1,871,000 | 5,700 |
| Salaries and employee benefits | $1,037,000 | 5,468 |
| Premises and equipment expense | $131,000 | 6,757 |
| Additional noninterest expense | $703,000 | 5,402 |
| Pre-tax net operating income | $738,000 | 3,232 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $285,000 | 1,974 |
| Income before extraordinary items | $453,000 | 3,851 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $453,000 | 3,847 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $453,000 | 3,849 |
| Net charge-offs | $169,000 | 4,456 |
| Cash dividends | $130,000 | 3,431 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $453,000 | 3,761 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,426,000 | 5,329 |
| Total interest expense | $784,000 | 5,323 |
| Net interest income | $1,642,000 | 5,154 |
| Provision for loan and lease losses | $142,000 | 4,854 |
| Total noninterest income | $175,000 | 5,452 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $192,000 | 3,390 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-17,000 | 7,851 |
| Total noninterest expense | $1,193,000 | 5,866 |
| Salaries and employee benefits | $682,000 | 5,572 |
| Premises and equipment expense | $83,000 | 6,886 |
| Additional noninterest expense | $428,000 | 5,646 |
| Pre-tax net operating income | $482,000 | 3,363 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $188,000 | 2,026 |
| Income before extraordinary items | $294,000 | 3,996 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $294,000 | 3,995 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $294,000 | 3,995 |
| Net charge-offs | $34,000 | 5,243 |
| Cash dividends | $85,000 | 3,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $294,000 | 3,882 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,191,000 | 5,425 |
| Total interest expense | $400,000 | 5,392 |
| Net interest income | $791,000 | 5,248 |
| Provision for loan and lease losses | $97,000 | 3,958 |
| Total noninterest income | $111,000 | 5,018 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $93,000 | 3,396 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $18,000 | 6,276 |
| Total noninterest expense | $615,000 | 5,742 |
| Salaries and employee benefits | $338,000 | 5,647 |
| Premises and equipment expense | $38,000 | 7,069 |
| Additional noninterest expense | $239,000 | 5,067 |
| Pre-tax net operating income | $190,000 | 4,133 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $7,000 | 4,167 |
| Income before extraordinary items | $183,000 | 4,014 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $183,000 | 4,016 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $183,000 | 4,016 |
| Net charge-offs | $61,000 | 3,361 |
| Cash dividends | $55,000 | 2,608 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $183,000 | 3,863 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,872,000 | 5,533 |
| Total interest expense | $1,873,000 | 5,472 |
| Net interest income | $2,999,000 | 5,422 |
| Provision for loan and lease losses | $347,000 | 4,384 |
| Total noninterest income | $545,000 | 4,657 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $421,000 | 3,358 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $124,000 | 5,626 |
| Total noninterest expense | $2,383,000 | 5,771 |
| Salaries and employee benefits | $1,441,000 | 5,456 |
| Premises and equipment expense | $215,000 | 6,546 |
| Additional noninterest expense | $727,000 | 5,719 |
| Pre-tax net operating income | $814,000 | 4,125 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $285,000 | 2,461 |
| Income before extraordinary items | $529,000 | 4,365 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $529,000 | 4,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 3,898 |
| Cash dividends | $130,000 | 4,808 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $529,000 | 4,522 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,645,000 | 5,613 |
| Total interest expense | $1,425,000 | 5,563 |
| Net interest income | $2,220,000 | 5,497 |
| Provision for loan and lease losses | $272,000 | 3,719 |
| Total noninterest income | $358,000 | 5,040 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $319,000 | 3,368 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $39,000 | 6,860 |
| Total noninterest expense | $1,710,000 | 5,878 |
| Salaries and employee benefits | $1,044,000 | 5,554 |
| Premises and equipment expense | $153,000 | 6,674 |
| Additional noninterest expense | $513,000 | 5,835 |
| Pre-tax net operating income | $596,000 | 4,660 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $222,000 | 2,798 |
| Income before extraordinary items | $374,000 | 4,879 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $374,000 | 4,876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 2,915 |
| Cash dividends | $70,000 | 4,591 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $374,000 | 5,049 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,395,000 | 5,731 |
| Total interest expense | $958,000 | 5,688 |
| Net interest income | $1,437,000 | 5,579 |
| Provision for loan and lease losses | $75,000 | 4,654 |
| Total noninterest income | $238,000 | 5,090 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $212,000 | 3,363 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $26,000 | 6,950 |
| Total noninterest expense | $1,122,000 | 5,961 |
| Salaries and employee benefits | $686,000 | 5,646 |
| Premises and equipment expense | $99,000 | 6,767 |
| Additional noninterest expense | $337,000 | 5,862 |
| Pre-tax net operating income | $478,000 | 4,443 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $168,000 | 2,882 |
| Income before extraordinary items | $310,000 | 4,938 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $310,000 | 4,939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,471 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $310,000 | 4,879 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,207,000 | 5,784 |
| Total interest expense | $512,000 | 5,696 |
| Net interest income | $695,000 | 5,713 |
| Provision for loan and lease losses | $37,000 | 4,177 |
| Total noninterest income | $116,000 | 5,154 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $103,000 | 3,386 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $13,000 | 6,970 |
| Total noninterest expense | $568,000 | 5,961 |
| Salaries and employee benefits | $344,000 | 5,683 |
| Premises and equipment expense | $59,000 | 6,451 |
| Additional noninterest expense | $165,000 | 5,914 |
| Pre-tax net operating income | $206,000 | 4,907 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $13,000 | 4,639 |
| Income before extraordinary items | $193,000 | 4,735 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $193,000 | 4,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,796 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $193,000 | 4,632 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,468,000 | 5,480 |
| Total interest expense | $2,531,000 | 5,229 |
| Net interest income | $2,937,000 | 5,562 |
| Provision for loan and lease losses | $138,000 | 4,449 |
| Total noninterest income | $491,000 | 5,068 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $428,000 | 3,398 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $63,000 | 6,845 |
| Total noninterest expense | $2,235,000 | 5,907 |
| Salaries and employee benefits | $1,367,000 | 5,587 |
| Premises and equipment expense | $210,000 | 6,628 |
| Additional noninterest expense | $658,000 | 5,897 |
| Pre-tax net operating income | $1,055,000 | 4,629 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $447,000 | 2,875 |
| Income before extraordinary items | $608,000 | 5,315 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $608,000 | 5,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 2,964 |
| Cash dividends | $304,000 | 4,389 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $608,000 | 5,306 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,143,000 | 5,479 |
| Total interest expense | $1,923,000 | 5,213 |
| Net interest income | $2,220,000 | 5,571 |
| Provision for loan and lease losses | $113,000 | 3,939 |
| Total noninterest income | $358,000 | 5,153 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $317,000 | 3,429 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $41,000 | 7,030 |
| Total noninterest expense | $1,647,000 | 5,935 |
| Salaries and employee benefits | $1,003,000 | 5,636 |
| Premises and equipment expense | $153,000 | 6,689 |
| Additional noninterest expense | $491,000 | 5,853 |
| Pre-tax net operating income | $818,000 | 4,795 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $302,000 | 3,194 |
| Income before extraordinary items | $516,000 | 5,324 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $516,000 | 5,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,886 |
| Cash dividends | $145,000 | 4,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $516,000 | 5,311 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,765,000 | 5,498 |
| Total interest expense | $1,307,000 | 5,173 |
| Net interest income | $1,458,000 | 5,641 |
| Provision for loan and lease losses | $75,000 | 3,728 |
| Total noninterest income | $234,000 | 5,249 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $206,000 | 3,454 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $28,000 | 7,057 |
| Total noninterest expense | $1,095,000 | 5,987 |
| Salaries and employee benefits | $665,000 | 5,721 |
| Premises and equipment expense | $105,000 | 6,671 |
| Additional noninterest expense | $325,000 | 5,894 |
| Pre-tax net operating income | $522,000 | 4,949 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $241,000 | 3,020 |
| Income before extraordinary items | $281,000 | 5,794 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $281,000 | 5,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,767 |
| Cash dividends | $145,000 | 3,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $281,000 | 5,784 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,388,000 | 5,492 |
| Total interest expense | $661,000 | 5,124 |
| Net interest income | $727,000 | 5,664 |
| Provision for loan and lease losses | $38,000 | 3,501 |
| Total noninterest income | $120,000 | 5,130 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $96,000 | 3,535 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $24,000 | 6,337 |
| Total noninterest expense | $543,000 | 6,056 |
| Salaries and employee benefits | $326,000 | 5,826 |
| Premises and equipment expense | $44,000 | 7,021 |
| Additional noninterest expense | $173,000 | 5,696 |
| Pre-tax net operating income | $266,000 | 4,919 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $29,000 | 4,646 |
| Income before extraordinary items | $237,000 | 4,686 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $237,000 | 4,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,660 |
| Cash dividends | $75,000 | 3,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $237,000 | 4,667 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,313,000 | 5,386 |
| Total interest expense | $2,151,000 | 5,203 |
| Net interest income | $3,162,000 | 5,360 |
| Provision for loan and lease losses | $138,000 | 4,185 |
| Total noninterest income | $453,000 | 5,348 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $405,000 | 3,515 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $48,000 | 7,298 |
| Total noninterest expense | $2,179,000 | 5,911 |
| Salaries and employee benefits | $1,346,000 | 5,534 |
| Premises and equipment expense | $218,000 | 6,539 |
| Additional noninterest expense | $615,000 | 5,996 |
| Pre-tax net operating income | $1,298,000 | 4,618 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $518,000 | 3,107 |
| Income before extraordinary items | $780,000 | 5,266 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $780,000 | 5,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 3,499 |
| Cash dividends | $235,000 | 4,777 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $780,000 | 5,263 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,920,000 | 5,436 |
| Total interest expense | $1,532,000 | 5,280 |
| Net interest income | $2,388,000 | 5,388 |
| Provision for loan and lease losses | $100,000 | 4,067 |
| Total noninterest income | $366,000 | 5,195 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $310,000 | 3,494 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $56,000 | 6,781 |
| Total noninterest expense | $1,595,000 | 5,968 |
| Salaries and employee benefits | $979,000 | 5,611 |
| Premises and equipment expense | $175,000 | 6,408 |
| Additional noninterest expense | $441,000 | 6,127 |
| Pre-tax net operating income | $1,059,000 | 4,602 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $484,000 | 2,909 |
| Income before extraordinary items | $575,000 | 5,461 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $575,000 | 5,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 3,067 |
| Cash dividends | $235,000 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $575,000 | 5,460 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,543,000 | 5,479 |
| Total interest expense | $932,000 | 5,409 |
| Net interest income | $1,611,000 | 5,384 |
| Provision for loan and lease losses | $75,000 | 3,786 |
| Total noninterest income | $241,000 | 5,234 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $200,000 | 3,543 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $41,000 | 6,674 |
| Total noninterest expense | $1,046,000 | 6,032 |
| Salaries and employee benefits | $641,000 | 5,696 |
| Premises and equipment expense | $118,000 | 6,392 |
| Additional noninterest expense | $287,000 | 6,204 |
| Pre-tax net operating income | $731,000 | 4,531 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $326,000 | 2,928 |
| Income before extraordinary items | $405,000 | 5,361 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $405,000 | 5,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,673 |
| Cash dividends | $235,000 | 3,485 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 325 |
| Net operating income | $405,000 | 5,360 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,224,000 | 5,549 |
| Total interest expense | $437,000 | 5,461 |
| Net interest income | $787,000 | 5,442 |
| Provision for loan and lease losses | $38,000 | 3,609 |
| Total noninterest income | $121,000 | 5,193 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $101,000 | 3,453 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,714 |
| Total noninterest expense | $503,000 | 6,172 |
| Salaries and employee benefits | $310,000 | 5,830 |
| Premises and equipment expense | $55,000 | 6,562 |
| Additional noninterest expense | $138,000 | 6,297 |
| Pre-tax net operating income | $367,000 | 4,481 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $127,000 | 3,258 |
| Income before extraordinary items | $240,000 | 4,943 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $240,000 | 4,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,443 |
| Cash dividends | $200,000 | 2,370 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $240,000 | 4,924 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,441,000 | 5,528 |
| Total interest expense | $1,351,000 | 5,509 |
| Net interest income | $3,090,000 | 5,410 |
| Provision for loan and lease losses | $148,000 | 4,176 |
| Total noninterest income | $484,000 | 5,314 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $359,000 | 3,793 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $125,000 | 6,044 |
| Total noninterest expense | $2,143,000 | 5,868 |
| Salaries and employee benefits | $1,305,000 | 5,518 |
| Premises and equipment expense | $231,000 | 6,406 |
| Additional noninterest expense | $607,000 | 6,020 |
| Pre-tax net operating income | $1,283,000 | 4,756 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $508,000 | 3,343 |
| Income before extraordinary items | $775,000 | 5,414 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $775,000 | 5,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,259 |
| Cash dividends | $254,000 | 4,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $775,000 | 5,394 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,223,000 | 5,592 |
| Total interest expense | $931,000 | 5,640 |
| Net interest income | $2,292,000 | 5,458 |
| Provision for loan and lease losses | $110,000 | 4,035 |
| Total noninterest income | $341,000 | 5,491 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $267,000 | 3,819 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $74,000 | 6,434 |
| Total noninterest expense | $1,531,000 | 6,013 |
| Salaries and employee benefits | $911,000 | 5,721 |
| Premises and equipment expense | $181,000 | 6,273 |
| Additional noninterest expense | $439,000 | 6,091 |
| Pre-tax net operating income | $992,000 | 4,792 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $363,000 | 3,474 |
| Income before extraordinary items | $629,000 | 5,343 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $629,000 | 5,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,007 |
| Cash dividends | $254,000 | 3,750 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $629,000 | 5,307 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,038,000 | 5,688 |
| Total interest expense | $561,000 | 5,744 |
| Net interest income | $1,477,000 | 5,549 |
| Provision for loan and lease losses | $73,000 | 3,895 |
| Total noninterest income | $196,000 | 5,783 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $170,000 | 3,858 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $26,000 | 7,352 |
| Total noninterest expense | $989,000 | 6,110 |
| Salaries and employee benefits | $571,000 | 5,917 |
| Premises and equipment expense | $123,000 | 6,229 |
| Additional noninterest expense | $295,000 | 6,052 |
| Pre-tax net operating income | $611,000 | 4,972 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $219,000 | 3,640 |
| Income before extraordinary items | $392,000 | 5,495 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $392,000 | 5,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,385 |
| Cash dividends | $184,000 | 3,633 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $392,000 | 5,458 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $968,000 | 5,823 |
| Total interest expense | $260,000 | 5,866 |
| Net interest income | $708,000 | 5,696 |
| Provision for loan and lease losses | $35,000 | 3,777 |
| Total noninterest income | $98,000 | 5,732 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $86,000 | 3,771 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,544 |
| Total noninterest expense | $502,000 | 6,092 |
| Salaries and employee benefits | $280,000 | 6,012 |
| Premises and equipment expense | $68,000 | 6,037 |
| Additional noninterest expense | $154,000 | 5,920 |
| Pre-tax net operating income | $269,000 | 5,274 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $115,000 | 3,530 |
| Income before extraordinary items | $154,000 | 6,039 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $154,000 | 6,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $184,000 | 2,325 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $154,000 | 6,005 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,847,000 | 5,675 |
| Total interest expense | $898,000 | 5,949 |
| Net interest income | $2,949,000 | 5,462 |
| Provision for loan and lease losses | $120,000 | 4,623 |
| Total noninterest income | $390,000 | 5,850 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $328,000 | 4,120 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $62,000 | 7,147 |
| Total noninterest expense | $2,047,000 | 5,924 |
| Salaries and employee benefits | $1,193,000 | 5,709 |
| Premises and equipment expense | $256,000 | 6,134 |
| Additional noninterest expense | $598,000 | 5,985 |
| Pre-tax net operating income | $1,172,000 | 4,853 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $465,000 | 3,467 |
| Income before extraordinary items | $707,000 | 5,555 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $707,000 | 5,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,680 |
| Cash dividends | $280,000 | 4,460 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $707,000 | 5,484 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,824,000 | 5,736 |
| Total interest expense | $648,000 | 6,045 |
| Net interest income | $2,176,000 | 5,509 |
| Provision for loan and lease losses | $90,000 | 4,429 |
| Total noninterest income | $300,000 | 5,812 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $247,000 | 4,129 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $53,000 | 6,981 |
| Total noninterest expense | $1,431,000 | 6,118 |
| Salaries and employee benefits | $822,000 | 5,930 |
| Premises and equipment expense | $158,000 | 6,621 |
| Additional noninterest expense | $451,000 | 5,932 |
| Pre-tax net operating income | $955,000 | 4,708 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $265,000 | 3,979 |
| Income before extraordinary items | $690,000 | 4,991 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $690,000 | 4,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,478 |
| Cash dividends | $280,000 | 3,548 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $690,000 | 4,901 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,846,000 | 5,809 |
| Total interest expense | $418,000 | 6,169 |
| Net interest income | $1,428,000 | 5,557 |
| Provision for loan and lease losses | $50,000 | 4,677 |
| Total noninterest income | $198,000 | 5,838 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $161,000 | 4,169 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $37,000 | 6,933 |
| Total noninterest expense | $948,000 | 6,188 |
| Salaries and employee benefits | $544,000 | 5,994 |
| Premises and equipment expense | $114,000 | 6,459 |
| Additional noninterest expense | $290,000 | 6,073 |
| Pre-tax net operating income | $628,000 | 4,713 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $179,000 | 3,973 |
| Income before extraordinary items | $449,000 | 5,009 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $449,000 | 5,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,984 |
| Cash dividends | $230,000 | 3,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $449,000 | 4,921 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $905,000 | 5,903 |
| Total interest expense | $193,000 | 6,436 |
| Net interest income | $712,000 | 5,570 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $89,000 | 6,038 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $77,000 | 4,207 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $12,000 | 7,544 |
| Total noninterest expense | $469,000 | 6,261 |
| Salaries and employee benefits | $273,000 | 6,035 |
| Premises and equipment expense | $48,000 | 6,879 |
| Additional noninterest expense | $148,000 | 6,044 |
| Pre-tax net operating income | $302,000 | 4,794 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $90,000 | 3,962 |
| Income before extraordinary items | $212,000 | 5,184 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $212,000 | 5,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,046 |
| Cash dividends | $230,000 | 2,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $212,000 | 5,064 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,750,000 | 5,852 |
| Total interest expense | $1,012,000 | 6,089 |
| Net interest income | $2,738,000 | 5,598 |
| Provision for loan and lease losses | $116,000 | 5,097 |
| Total noninterest income | $395,000 | 5,988 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $293,000 | 4,352 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $102,000 | 6,500 |
| Total noninterest expense | $1,958,000 | 6,059 |
| Salaries and employee benefits | $1,151,000 | 5,777 |
| Premises and equipment expense | $246,000 | 6,225 |
| Additional noninterest expense | $561,000 | 6,192 |
| Pre-tax net operating income | $1,059,000 | 5,026 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $397,000 | 3,795 |
| Income before extraordinary items | $662,000 | 5,733 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $662,000 | 5,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 4,003 |
| Cash dividends | $65,000 | 5,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $662,000 | 5,567 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,807,000 | 5,925 |
| Total interest expense | $752,000 | 6,266 |
| Net interest income | $2,055,000 | 5,633 |
| Provision for loan and lease losses | $86,000 | 5,038 |
| Total noninterest income | $276,000 | 6,188 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $223,000 | 4,341 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $53,000 | 7,132 |
| Total noninterest expense | $1,365,000 | 6,277 |
| Salaries and employee benefits | $792,000 | 6,031 |
| Premises and equipment expense | $163,000 | 6,579 |
| Additional noninterest expense | $410,000 | 6,276 |
| Pre-tax net operating income | $880,000 | 4,886 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $344,000 | 3,673 |
| Income before extraordinary items | $536,000 | 5,670 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $536,000 | 5,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,029 |
| Cash dividends | $65,000 | 4,986 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $536,000 | 5,494 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,820,000 | 6,034 |
| Total interest expense | $507,000 | 6,347 |
| Net interest income | $1,313,000 | 5,755 |
| Provision for loan and lease losses | $56,000 | 5,002 |
| Total noninterest income | $191,000 | 6,106 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $148,000 | 4,326 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $43,000 | 6,830 |
| Total noninterest expense | $934,000 | 6,203 |
| Salaries and employee benefits | $543,000 | 5,960 |
| Premises and equipment expense | $113,000 | 6,446 |
| Additional noninterest expense | $278,000 | 6,207 |
| Pre-tax net operating income | $514,000 | 5,254 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $255,000 | 3,519 |
| Income before extraordinary items | $259,000 | 6,447 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $259,000 | 6,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,051 |
| Cash dividends | $15,000 | 5,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $259,000 | 6,241 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $894,000 | 6,123 |
| Total interest expense | $254,000 | 6,450 |
| Net interest income | $640,000 | 5,849 |
| Provision for loan and lease losses | $27,000 | 4,866 |
| Total noninterest income | $105,000 | 5,786 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $74,000 | 4,258 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $31,000 | 6,166 |
| Total noninterest expense | $466,000 | 6,230 |
| Salaries and employee benefits | $279,000 | 5,862 |
| Premises and equipment expense | $50,000 | 6,781 |
| Additional noninterest expense | $137,000 | 6,250 |
| Pre-tax net operating income | $252,000 | 5,262 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $166,000 | 3,033 |
| Income before extraordinary items | $86,000 | 7,154 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $86,000 | 7,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,062 |
| Cash dividends | $10,000 | 3,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $86,000 | 7,003 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,660,000 | 6,192 |
| Total interest expense | $1,118,000 | 6,626 |
| Net interest income | $2,542,000 | 5,846 |
| Provision for loan and lease losses | $104,000 | 5,647 |
| Total noninterest income | $373,000 | 5,952 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $305,000 | 4,190 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $68,000 | 7,131 |
| Total noninterest expense | $1,902,000 | 6,055 |
| Salaries and employee benefits | $1,156,000 | 5,617 |
| Premises and equipment expense | $225,000 | 6,455 |
| Additional noninterest expense | $521,000 | 6,385 |
| Pre-tax net operating income | $909,000 | 5,455 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $352,000 | 4,153 |
| Income before extraordinary items | $557,000 | 6,154 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $557,000 | 6,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,491 |
| Cash dividends | $10,000 | 6,302 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $557,000 | 6,002 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,751,000 | 6,542 |
| Total interest expense | $1,763,000 | 6,486 |
| Net interest income | $1,988,000 | 6,453 |
| Provision for loan and lease losses | $78,000 | 6,034 |
| Total noninterest income | $367,000 | 5,905 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $277,000 | 4,365 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $90,000 | 6,656 |
| Total noninterest expense | $1,733,000 | 6,277 |
| Salaries and employee benefits | $1,027,000 | 5,888 |
| Premises and equipment expense | $239,000 | 6,220 |
| Additional noninterest expense | $467,000 | 6,673 |
| Pre-tax net operating income | $544,000 | 6,382 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $218,000 | 4,878 |
| Income before extraordinary items | $326,000 | 6,978 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $326,000 | 6,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,161 |
| Cash dividends | $85,000 | 5,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $326,000 | 6,858 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,586,000 | 6,837 |
| Total interest expense | $1,800,000 | 6,592 |
| Net interest income | $1,786,000 | 6,947 |
| Provision for loan and lease losses | $110,000 | 5,095 |
| Total noninterest income | $353,000 | 5,865 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $245,000 | 4,570 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,248 |
| Total noninterest expense | $1,632,000 | 6,409 |
| Salaries and employee benefits | $963,000 | 6,071 |
| Premises and equipment expense | $230,000 | 6,312 |
| Additional noninterest expense | $439,000 | 6,857 |
| Pre-tax net operating income | $397,000 | 7,486 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $123,000 | 6,257 |
| Income before extraordinary items | $274,000 | 7,636 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $274,000 | 7,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,584 |
| Cash dividends | $95,000 | 6,027 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $274,000 | 7,641 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,168,000 | 7,182 |
| Total interest expense | $1,395,000 | 7,200 |
| Net interest income | $1,773,000 | 7,060 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $421,000 | 5,457 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $225,000 | 4,800 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $196,000 | 4,986 |
| Total noninterest expense | $1,551,000 | 6,652 |
| Salaries and employee benefits | $872,000 | 6,441 |
| Premises and equipment expense | $193,000 | 6,926 |
| Additional noninterest expense | $486,000 | 6,613 |
| Pre-tax net operating income | $523,000 | 7,044 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $141,000 | 6,391 |
| Income before extraordinary items | $382,000 | 7,082 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $382,000 | 7,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,271 |
| Cash dividends | $95,000 | 6,172 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $382,000 | 7,055 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,040,000 | 7,492 |
| Total interest expense | $1,454,000 | 7,298 |
| Net interest income | $1,586,000 | 7,497 |
| Provision for loan and lease losses | $80,000 | 5,577 |
| Total noninterest income | $295,000 | 6,535 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $228,000 | 4,773 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 7,572 |
| Total noninterest expense | $1,328,000 | 7,163 |
| Salaries and employee benefits | $801,000 | 6,682 |
| Premises and equipment expense | $111,000 | 8,461 |
| Additional noninterest expense | $416,000 | 7,090 |
| Pre-tax net operating income | $473,000 | 7,517 |
| Securities gains (losses) | $-1,000 | 9,769 |
| Applicable income taxes | $158,000 | 6,747 |
| Income before extraordinary items | $314,000 | 7,772 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $314,000 | 7,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,129 |
| Cash dividends | $110,000 | 6,165 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $314,670 | 7,687 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,977,000 | 7,779 |
| Total interest expense | $1,417,000 | 7,548 |
| Net interest income | $1,560,000 | 7,857 |
| Provision for loan and lease losses | $48,000 | 6,747 |
| Total noninterest income | $277,000 | 6,927 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $213,000 | 5,150 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 7,887 |
| Total noninterest expense | $1,225,000 | 7,585 |
| Salaries and employee benefits | $719,000 | 7,213 |
| Premises and equipment expense | $140,000 | 8,021 |
| Additional noninterest expense | $366,000 | 7,658 |
| Pre-tax net operating income | $564,000 | 7,587 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $207,000 | 6,784 |
| Income before extraordinary items | $357,000 | 7,936 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $357,000 | 7,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,735 |
| Cash dividends | $150,000 | 5,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $357,000 | 7,880 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,568,000 | 8,608 |
| Total interest expense | $1,229,000 | 8,295 |
| Net interest income | $1,339,000 | 8,669 |
| Provision for loan and lease losses | $24,000 | 7,740 |
| Total noninterest income | $232,000 | 7,822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $169,000 | 6,138 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 8,357 |
| Total noninterest expense | $1,125,000 | 8,246 |
| Salaries and employee benefits | $673,000 | 7,696 |
| Premises and equipment expense | $115,000 | 8,909 |
| Additional noninterest expense | $337,000 | 8,498 |
| Pre-tax net operating income | $422,000 | 8,385 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $150,000 | 7,867 |
| Income before extraordinary items | $270,000 | 8,665 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $270,000 | 8,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,018 |
| Cash dividends | $40,000 | 7,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $271,280 | 8,590 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,032,000 | 9,666 |
| Total interest expense | $1,035,000 | 9,138 |
| Net interest income | $997,000 | 9,952 |
| Provision for loan and lease losses | $21,000 | 7,611 |
| Total noninterest income | $189,000 | 8,604 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 7,474 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 8,106 |
| Total noninterest expense | $957,000 | 9,138 |
| Salaries and employee benefits | $525,000 | 8,900 |
| Premises and equipment expense | $97,000 | 9,693 |
| Additional noninterest expense | $335,000 | 8,857 |
| Pre-tax net operating income | $208,000 | 10,416 |
| Securities gains (losses) | $-9,000 | 10,045 |
| Applicable income taxes | $36,000 | 10,464 |
| Income before extraordinary items | $163,000 | 10,331 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $163,000 | 10,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,374 |
| Cash dividends | $30,000 | 8,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $170,380 | 10,235 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,513,000 | 10,717 |
| Total interest expense | $597,000 | 10,617 |
| Net interest income | $916,000 | 10,670 |
| Provision for loan and lease losses | $29,000 | 7,250 |
| Total noninterest income | $133,000 | 10,059 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $79,000 | 8,715 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 9,402 |
| Total noninterest expense | $803,000 | 10,235 |
| Salaries and employee benefits | $432,000 | 9,989 |
| Premises and equipment expense | $58,000 | 11,368 |
| Additional noninterest expense | $313,000 | 9,804 |
| Pre-tax net operating income | $217,000 | 10,755 |
| Securities gains (losses) | $7,000 | 2,440 |
| Applicable income taxes | $52,000 | 10,415 |
| Income before extraordinary items | $172,000 | 10,589 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $172,000 | 10,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 11,591 |
| Cash dividends | $80,000 | 7,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $166,610 | 10,691 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,582,000 | 11,031 |
| Total interest expense | $586,000 | 11,216 |
| Net interest income | $996,000 | 10,791 |
| Provision for loan and lease losses | $34,000 | 8,267 |
| Total noninterest income | $84,000 | 11,715 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 9,178 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 12,819 |
| Total noninterest expense | $726,000 | 11,039 |
| Salaries and employee benefits | $388,000 | 10,763 |
| Premises and equipment expense | $45,000 | 12,369 |
| Additional noninterest expense | $293,000 | 10,534 |
| Pre-tax net operating income | $320,000 | 10,079 |
| Securities gains (losses) | $-1,000 | 12,247 |
| Applicable income taxes | $119,000 | 9,335 |
| Income before extraordinary items | $200,000 | 10,659 |
| Extraordinary gains, net | $9,000 | 2,969 |
| Net income | $209,000 | 10,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 8,388 |
| Cash dividends | $102,000 | 6,819 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $200,640 | 10,426 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,755,000 | 11,408 |
| Total interest expense | $790,000 | 11,382 |
| Net interest income | $965,000 | 11,227 |
| Provision for loan and lease losses | $28,000 | 10,112 |
| Total noninterest income | $94,000 | 11,878 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $79,000 | 9,202 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 12,987 |
| Total noninterest expense | $709,000 | 11,475 |
| Salaries and employee benefits | $368,000 | 11,241 |
| Premises and equipment expense | $46,000 | 12,842 |
| Additional noninterest expense | $295,000 | 10,894 |
| Pre-tax net operating income | $322,000 | 9,934 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $123,000 | 9,281 |
| Income before extraordinary items | $204,000 | 10,534 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $204,000 | 10,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 9,710 |
| Cash dividends | $110,000 | 6,380 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $200,800 | 10,253 |
* 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.