Home > First National Bank in Munday > Income and Expense
First National Bank in Munday, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,579,000 | 5,519 |
| Total interest expense | $98,000 | 6,634 |
| Net interest income | $1,481,000 | 5,248 |
| Provision for loan and lease losses | $6,000 | 5,444 |
| Total noninterest income | $419,000 | 3,570 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $307,000 | 2,119 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $112,000 | 4,494 |
| Total noninterest expense | $1,360,000 | 5,046 |
| Salaries and employee benefits | $750,000 | 4,892 |
| Premises and equipment expense | $133,000 | 5,279 |
| Additional noninterest expense | $477,000 | 4,981 |
| Pre-tax net operating income | $534,000 | 4,010 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $178,000 | 2,558 |
| Income before extraordinary items | $356,000 | 4,549 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $356,000 | 4,552 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $356,000 | 4,552 |
| Net charge-offs | $15,000 | 4,782 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $356,000 | 4,363 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $787,000 | 5,572 |
| Total interest expense | $52,000 | 6,662 |
| Net interest income | $735,000 | 5,293 |
| Provision for loan and lease losses | $6,000 | 4,993 |
| Total noninterest income | $207,000 | 3,579 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $150,000 | 2,142 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $57,000 | 4,515 |
| Total noninterest expense | $690,000 | 5,034 |
| Salaries and employee benefits | $385,000 | 4,872 |
| Premises and equipment expense | $62,000 | 5,443 |
| Additional noninterest expense | $243,000 | 4,937 |
| Pre-tax net operating income | $246,000 | 4,198 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $82,000 | 2,621 |
| Income before extraordinary items | $164,000 | 4,706 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $164,000 | 4,710 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $164,000 | 4,710 |
| Net charge-offs | $7,000 | 4,174 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $164,000 | 4,570 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,018,000 | 5,747 |
| Total interest expense | $329,000 | 6,461 |
| Net interest income | $2,689,000 | 5,495 |
| Provision for loan and lease losses | $8,000 | 6,385 |
| Total noninterest income | $907,000 | 3,286 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $686,000 | 2,023 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $221,000 | 4,329 |
| Total noninterest expense | $2,713,000 | 5,137 |
| Salaries and employee benefits | $1,491,000 | 4,979 |
| Premises and equipment expense | $291,000 | 5,300 |
| Additional noninterest expense | $931,000 | 5,071 |
| Pre-tax net operating income | $875,000 | 3,963 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $284,000 | 2,591 |
| Income before extraordinary items | $591,000 | 4,430 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $591,000 | 4,431 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $591,000 | 4,431 |
| Net charge-offs | $58,000 | 5,398 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $591,000 | 4,304 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,276,000 | 5,792 |
| Total interest expense | $254,000 | 6,524 |
| Net interest income | $2,022,000 | 5,525 |
| Provision for loan and lease losses | $6,000 | 6,274 |
| Total noninterest income | $681,000 | 3,296 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $517,000 | 2,019 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $164,000 | 4,392 |
| Total noninterest expense | $2,027,000 | 5,160 |
| Salaries and employee benefits | $1,113,000 | 4,988 |
| Premises and equipment expense | $217,000 | 5,361 |
| Additional noninterest expense | $697,000 | 5,107 |
| Pre-tax net operating income | $670,000 | 4,048 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $218,000 | 2,573 |
| Income before extraordinary items | $452,000 | 4,488 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $452,000 | 4,489 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $452,000 | 4,489 |
| Net charge-offs | $48,000 | 4,999 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $452,000 | 4,356 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,530,000 | 5,828 |
| Total interest expense | $173,000 | 6,598 |
| Net interest income | $1,357,000 | 5,539 |
| Provision for loan and lease losses | $4,000 | 6,123 |
| Total noninterest income | $438,000 | 3,380 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $336,000 | 2,044 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $102,000 | 4,511 |
| Total noninterest expense | $1,330,000 | 5,255 |
| Salaries and employee benefits | $727,000 | 5,079 |
| Premises and equipment expense | $142,000 | 5,428 |
| Additional noninterest expense | $461,000 | 5,198 |
| Pre-tax net operating income | $461,000 | 3,959 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $148,000 | 2,518 |
| Income before extraordinary items | $313,000 | 4,376 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $313,000 | 4,375 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $313,000 | 4,377 |
| Net charge-offs | $34,000 | 4,751 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $313,000 | 4,294 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $780,000 | 5,828 |
| Total interest expense | $88,000 | 6,679 |
| Net interest income | $692,000 | 5,506 |
| Provision for loan and lease losses | $2,000 | 5,755 |
| Total noninterest income | $214,000 | 3,444 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $159,000 | 2,119 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $55,000 | 4,514 |
| Total noninterest expense | $656,000 | 5,318 |
| Salaries and employee benefits | $364,000 | 5,123 |
| Premises and equipment expense | $70,000 | 5,511 |
| Additional noninterest expense | $222,000 | 5,278 |
| Pre-tax net operating income | $248,000 | 3,847 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $80,000 | 2,425 |
| Income before extraordinary items | $168,000 | 4,274 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $168,000 | 4,273 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $168,000 | 4,274 |
| Net charge-offs | $33,000 | 3,690 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $168,000 | 4,219 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,095,000 | 5,967 |
| Total interest expense | $391,000 | 6,822 |
| Net interest income | $2,704,000 | 5,594 |
| Provision for loan and lease losses | $5,000 | 6,989 |
| Total noninterest income | $890,000 | 3,438 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $737,000 | 1,967 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $153,000 | 4,946 |
| Total noninterest expense | $2,664,000 | 5,346 |
| Salaries and employee benefits | $1,411,000 | 5,225 |
| Premises and equipment expense | $339,000 | 5,144 |
| Additional noninterest expense | $914,000 | 5,321 |
| Pre-tax net operating income | $925,000 | 3,514 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $306,000 | 2,347 |
| Income before extraordinary items | $619,000 | 4,027 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $619,000 | 4,026 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $619,000 | 4,027 |
| Net charge-offs | $24,000 | 6,307 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $619,000 | 3,884 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,228,000 | 6,162 |
| Total interest expense | $293,000 | 6,948 |
| Net interest income | $1,935,000 | 5,783 |
| Provision for loan and lease losses | $5,000 | 6,921 |
| Total noninterest income | $647,000 | 3,543 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $542,000 | 2,049 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $105,000 | 5,152 |
| Total noninterest expense | $1,997,000 | 5,367 |
| Salaries and employee benefits | $1,060,000 | 5,262 |
| Premises and equipment expense | $260,000 | 5,151 |
| Additional noninterest expense | $677,000 | 5,353 |
| Pre-tax net operating income | $580,000 | 3,999 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $203,000 | 2,542 |
| Income before extraordinary items | $377,000 | 4,559 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $377,000 | 4,563 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $377,000 | 4,562 |
| Net charge-offs | $-14,000 | 7,512 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $377,000 | 4,377 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,491,000 | 6,206 |
| Total interest expense | $196,000 | 7,030 |
| Net interest income | $1,295,000 | 5,787 |
| Provision for loan and lease losses | $4,000 | 6,793 |
| Total noninterest income | $426,000 | 3,520 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $352,000 | 2,089 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $74,000 | 5,083 |
| Total noninterest expense | $1,340,000 | 5,370 |
| Salaries and employee benefits | $711,000 | 5,263 |
| Premises and equipment expense | $177,000 | 5,149 |
| Additional noninterest expense | $452,000 | 5,357 |
| Pre-tax net operating income | $377,000 | 4,074 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $128,000 | 2,565 |
| Income before extraordinary items | $249,000 | 4,588 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $249,000 | 4,588 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $249,000 | 4,588 |
| Net charge-offs | $-14,000 | 7,528 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $249,000 | 4,443 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $765,000 | 6,209 |
| Total interest expense | $98,000 | 7,148 |
| Net interest income | $667,000 | 5,756 |
| Provision for loan and lease losses | $2,000 | 6,491 |
| Total noninterest income | $195,000 | 3,699 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $158,000 | 2,252 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $37,000 | 5,161 |
| Total noninterest expense | $663,000 | 5,464 |
| Salaries and employee benefits | $341,000 | 5,442 |
| Premises and equipment expense | $91,000 | 5,158 |
| Additional noninterest expense | $231,000 | 5,330 |
| Pre-tax net operating income | $197,000 | 4,097 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $67,000 | 2,520 |
| Income before extraordinary items | $130,000 | 4,618 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $130,000 | 4,619 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $130,000 | 4,617 |
| Net charge-offs | $-5,000 | 7,295 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $130,000 | 4,508 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,743,000 | 6,514 |
| Total interest expense | $451,000 | 7,232 |
| Net interest income | $2,292,000 | 6,055 |
| Provision for loan and lease losses | $6,000 | 7,358 |
| Total noninterest income | $878,000 | 3,577 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $704,000 | 2,241 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $174,000 | 4,861 |
| Total noninterest expense | $2,711,000 | 5,464 |
| Salaries and employee benefits | $1,413,000 | 5,372 |
| Premises and equipment expense | $373,000 | 5,165 |
| Additional noninterest expense | $925,000 | 5,457 |
| Pre-tax net operating income | $453,000 | 4,100 |
| Securities gains (losses) | $67,000 | 2,433 |
| Applicable income taxes | $176,000 | 2,490 |
| Income before extraordinary items | $344,000 | 4,339 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $344,000 | 4,339 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $344,000 | 4,340 |
| Net charge-offs | $-181,000 | 7,995 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $299,780 | 4,399 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,028,000 | 6,610 |
| Total interest expense | $346,000 | 7,319 |
| Net interest income | $1,682,000 | 6,116 |
| Provision for loan and lease losses | $3,000 | 7,243 |
| Total noninterest income | $628,000 | 3,752 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $516,000 | 2,297 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $112,000 | 5,231 |
| Total noninterest expense | $2,024,000 | 5,485 |
| Salaries and employee benefits | $1,045,000 | 5,440 |
| Premises and equipment expense | $282,000 | 5,188 |
| Additional noninterest expense | $697,000 | 5,423 |
| Pre-tax net operating income | $283,000 | 4,590 |
| Securities gains (losses) | $67,000 | 2,106 |
| Applicable income taxes | $115,000 | 2,776 |
| Income before extraordinary items | $235,000 | 4,698 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $235,000 | 4,695 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $235,000 | 4,698 |
| Net charge-offs | $-180,000 | 8,075 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $190,110 | 4,837 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,377,000 | 6,645 |
| Total interest expense | $245,000 | 7,366 |
| Net interest income | $1,132,000 | 6,105 |
| Provision for loan and lease losses | $1,000 | 7,143 |
| Total noninterest income | $406,000 | 3,812 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $338,000 | 2,296 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $68,000 | 5,404 |
| Total noninterest expense | $1,376,000 | 5,470 |
| Salaries and employee benefits | $725,000 | 5,383 |
| Premises and equipment expense | $190,000 | 5,211 |
| Additional noninterest expense | $461,000 | 5,464 |
| Pre-tax net operating income | $161,000 | 4,878 |
| Securities gains (losses) | $67,000 | 1,726 |
| Applicable income taxes | $75,000 | 2,851 |
| Income before extraordinary items | $153,000 | 4,848 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $153,000 | 4,845 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $153,000 | 4,845 |
| Net charge-offs | $-5,000 | 7,794 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $108,110 | 5,055 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $710,000 | 6,625 |
| Total interest expense | $132,000 | 7,379 |
| Net interest income | $578,000 | 6,066 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $187,000 | 3,953 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $159,000 | 2,345 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $28,000 | 5,720 |
| Total noninterest expense | $701,000 | 5,390 |
| Salaries and employee benefits | $392,000 | 5,212 |
| Premises and equipment expense | $98,000 | 5,166 |
| Additional noninterest expense | $211,000 | 5,461 |
| Pre-tax net operating income | $64,000 | 5,444 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $21,000 | 3,530 |
| Income before extraordinary items | $43,000 | 5,801 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $43,000 | 5,804 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $43,000 | 5,804 |
| Net charge-offs | $-4,000 | 7,635 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $43,000 | 5,638 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,497,000 | 6,316 |
| Total interest expense | $920,000 | 6,920 |
| Net interest income | $2,577,000 | 5,834 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $801,000 | 3,874 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $675,000 | 2,416 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $126,000 | 5,607 |
| Total noninterest expense | $2,706,000 | 5,428 |
| Salaries and employee benefits | $1,517,000 | 5,306 |
| Premises and equipment expense | $438,000 | 4,836 |
| Additional noninterest expense | $751,000 | 5,636 |
| Pre-tax net operating income | $672,000 | 4,464 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $224,000 | 2,701 |
| Income before extraordinary items | $448,000 | 4,613 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $448,000 | 4,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,922 |
| Cash dividends | $688,000 | 2,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $448,000 | 4,780 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,709,000 | 6,320 |
| Total interest expense | $738,000 | 6,923 |
| Net interest income | $1,971,000 | 5,831 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $579,000 | 4,035 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $489,000 | 2,506 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $90,000 | 5,787 |
| Total noninterest expense | $2,020,000 | 5,424 |
| Salaries and employee benefits | $1,127,000 | 5,343 |
| Premises and equipment expense | $328,000 | 4,857 |
| Additional noninterest expense | $565,000 | 5,581 |
| Pre-tax net operating income | $530,000 | 4,844 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $177,000 | 3,043 |
| Income before extraordinary items | $353,000 | 4,982 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $353,000 | 4,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,665 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $353,000 | 5,146 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,866,000 | 6,303 |
| Total interest expense | $531,000 | 6,921 |
| Net interest income | $1,335,000 | 5,803 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $375,000 | 4,142 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $324,000 | 2,481 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $51,000 | 6,108 |
| Total noninterest expense | $1,344,000 | 5,465 |
| Salaries and employee benefits | $754,000 | 5,391 |
| Premises and equipment expense | $214,000 | 4,950 |
| Additional noninterest expense | $376,000 | 5,587 |
| Pre-tax net operating income | $366,000 | 4,942 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $123,000 | 3,231 |
| Income before extraordinary items | $243,000 | 5,332 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $243,000 | 5,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,450 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $243,000 | 5,253 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $968,000 | 6,293 |
| Total interest expense | $289,000 | 6,910 |
| Net interest income | $679,000 | 5,771 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $182,000 | 4,188 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $153,000 | 2,573 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $29,000 | 5,952 |
| Total noninterest expense | $684,000 | 5,442 |
| Salaries and employee benefits | $376,000 | 5,428 |
| Premises and equipment expense | $110,000 | 4,886 |
| Additional noninterest expense | $198,000 | 5,404 |
| Pre-tax net operating income | $177,000 | 5,175 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $59,000 | 3,384 |
| Income before extraordinary items | $118,000 | 5,593 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $118,000 | 5,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,531 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $118,000 | 5,487 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,406,000 | 6,024 |
| Total interest expense | $1,195,000 | 6,878 |
| Net interest income | $3,211,000 | 5,314 |
| Provision for loan and lease losses | $76,000 | 5,240 |
| Total noninterest income | $777,000 | 4,064 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $639,000 | 2,553 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $138,000 | 5,706 |
| Total noninterest expense | $2,586,000 | 5,497 |
| Salaries and employee benefits | $1,398,000 | 5,513 |
| Premises and equipment expense | $421,000 | 4,867 |
| Additional noninterest expense | $767,000 | 5,481 |
| Pre-tax net operating income | $1,326,000 | 4,143 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $438,000 | 2,914 |
| Income before extraordinary items | $888,000 | 4,575 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $888,000 | 4,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,188 |
| Cash dividends | $850,000 | 2,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $888,000 | 4,563 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,354,000 | 6,021 |
| Total interest expense | $890,000 | 6,923 |
| Net interest income | $2,464,000 | 5,268 |
| Provision for loan and lease losses | $63,000 | 4,794 |
| Total noninterest income | $551,000 | 4,190 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $455,000 | 2,636 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $96,000 | 5,873 |
| Total noninterest expense | $1,944,000 | 5,463 |
| Salaries and employee benefits | $1,030,000 | 5,538 |
| Premises and equipment expense | $316,000 | 4,857 |
| Additional noninterest expense | $598,000 | 5,306 |
| Pre-tax net operating income | $1,008,000 | 4,339 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $336,000 | 3,037 |
| Income before extraordinary items | $672,000 | 4,776 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $672,000 | 4,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,063 |
| Cash dividends | $350,000 | 3,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $672,000 | 4,762 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,223,000 | 6,066 |
| Total interest expense | $574,000 | 7,003 |
| Net interest income | $1,649,000 | 5,279 |
| Provision for loan and lease losses | $13,000 | 5,620 |
| Total noninterest income | $362,000 | 4,250 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $295,000 | 2,695 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $67,000 | 5,821 |
| Total noninterest expense | $1,288,000 | 5,502 |
| Salaries and employee benefits | $698,000 | 5,562 |
| Premises and equipment expense | $207,000 | 4,923 |
| Additional noninterest expense | $383,000 | 5,430 |
| Pre-tax net operating income | $710,000 | 4,283 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $236,000 | 3,051 |
| Income before extraordinary items | $474,000 | 4,669 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $474,000 | 4,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,113 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $474,000 | 4,662 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,112,000 | 6,072 |
| Total interest expense | $279,000 | 7,054 |
| Net interest income | $833,000 | 5,248 |
| Provision for loan and lease losses | $10,000 | 5,012 |
| Total noninterest income | $173,000 | 4,313 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $137,000 | 2,783 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $36,000 | 5,687 |
| Total noninterest expense | $610,000 | 5,701 |
| Salaries and employee benefits | $322,000 | 5,854 |
| Premises and equipment expense | $102,000 | 4,980 |
| Additional noninterest expense | $186,000 | 5,504 |
| Pre-tax net operating income | $386,000 | 4,087 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $128,000 | 2,948 |
| Income before extraordinary items | $258,000 | 4,487 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $258,000 | 4,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 2,505 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $258,000 | 4,476 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,157,000 | 6,019 |
| Total interest expense | $1,027,000 | 6,893 |
| Net interest income | $3,130,000 | 5,391 |
| Provision for loan and lease losses | $-683,000 | 8,616 |
| Total noninterest income | $799,000 | 4,052 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $582,000 | 2,749 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $217,000 | 4,957 |
| Total noninterest expense | $2,621,000 | 5,330 |
| Salaries and employee benefits | $1,341,000 | 5,545 |
| Premises and equipment expense | $411,000 | 4,839 |
| Additional noninterest expense | $869,000 | 4,979 |
| Pre-tax net operating income | $1,991,000 | 3,656 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $652,000 | 2,768 |
| Income before extraordinary items | $1,339,000 | 4,023 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,339,000 | 4,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-691,000 | 8,651 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,339,000 | 4,002 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,002,000 | 6,130 |
| Total interest expense | $765,000 | 6,883 |
| Net interest income | $2,237,000 | 5,596 |
| Provision for loan and lease losses | $-710,000 | 8,690 |
| Total noninterest income | $607,000 | 4,033 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $441,000 | 2,741 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $166,000 | 4,928 |
| Total noninterest expense | $1,993,000 | 5,279 |
| Salaries and employee benefits | $1,000,000 | 5,557 |
| Premises and equipment expense | $304,000 | 4,894 |
| Additional noninterest expense | $689,000 | 4,765 |
| Pre-tax net operating income | $1,561,000 | 3,701 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $516,000 | 2,823 |
| Income before extraordinary items | $1,045,000 | 4,065 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,045,000 | 4,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-689,000 | 8,711 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,045,000 | 4,053 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,955,000 | 6,171 |
| Total interest expense | $511,000 | 6,801 |
| Net interest income | $1,444,000 | 5,714 |
| Provision for loan and lease losses | $-718,000 | 8,729 |
| Total noninterest income | $435,000 | 3,841 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $293,000 | 2,711 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $142,000 | 4,398 |
| Total noninterest expense | $1,360,000 | 5,215 |
| Salaries and employee benefits | $657,000 | 5,625 |
| Premises and equipment expense | $202,000 | 4,898 |
| Additional noninterest expense | $501,000 | 4,485 |
| Pre-tax net operating income | $1,237,000 | 3,296 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $410,000 | 2,588 |
| Income before extraordinary items | $827,000 | 3,669 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $827,000 | 3,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-685,000 | 8,746 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $827,000 | 3,662 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $966,000 | 6,179 |
| Total interest expense | $259,000 | 6,715 |
| Net interest income | $707,000 | 5,777 |
| Provision for loan and lease losses | $1,000 | 5,956 |
| Total noninterest income | $166,000 | 4,402 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $140,000 | 2,745 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $26,000 | 6,300 |
| Total noninterest expense | $675,000 | 5,240 |
| Salaries and employee benefits | $326,000 | 5,675 |
| Premises and equipment expense | $101,000 | 4,920 |
| Additional noninterest expense | $248,000 | 4,507 |
| Pre-tax net operating income | $197,000 | 5,870 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $65,000 | 4,153 |
| Income before extraordinary items | $132,000 | 6,221 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $132,000 | 6,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 2,550 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $132,000 | 6,220 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,377,000 | 6,289 |
| Total interest expense | $912,000 | 6,509 |
| Net interest income | $2,465,000 | 6,089 |
| Provision for loan and lease losses | $17,000 | 6,588 |
| Total noninterest income | $644,000 | 4,612 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $554,000 | 2,828 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $90,000 | 6,565 |
| Total noninterest expense | $2,458,000 | 5,425 |
| Salaries and employee benefits | $1,233,000 | 5,708 |
| Premises and equipment expense | $372,000 | 5,087 |
| Additional noninterest expense | $853,000 | 4,951 |
| Pre-tax net operating income | $634,000 | 6,314 |
| Securities gains (losses) | $-4,000 | 7,217 |
| Applicable income taxes | $194,000 | 4,710 |
| Income before extraordinary items | $436,000 | 6,622 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $436,000 | 6,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-63,000 | 8,528 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $438,760 | 6,592 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,434,000 | 6,387 |
| Total interest expense | $619,000 | 6,645 |
| Net interest income | $1,815,000 | 6,164 |
| Provision for loan and lease losses | $17,000 | 6,278 |
| Total noninterest income | $475,000 | 4,681 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $410,000 | 2,862 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $65,000 | 6,628 |
| Total noninterest expense | $1,844,000 | 5,404 |
| Salaries and employee benefits | $937,000 | 5,642 |
| Premises and equipment expense | $272,000 | 5,157 |
| Additional noninterest expense | $635,000 | 4,929 |
| Pre-tax net operating income | $429,000 | 6,673 |
| Securities gains (losses) | $-4,000 | 7,604 |
| Applicable income taxes | $126,000 | 5,020 |
| Income before extraordinary items | $299,000 | 6,925 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $299,000 | 6,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-66,000 | 8,525 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $301,800 | 6,867 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,569,000 | 6,442 |
| Total interest expense | $373,000 | 6,758 |
| Net interest income | $1,196,000 | 6,193 |
| Provision for loan and lease losses | $12,000 | 5,987 |
| Total noninterest income | $316,000 | 4,657 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $270,000 | 2,834 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $46,000 | 6,538 |
| Total noninterest expense | $1,226,000 | 5,395 |
| Salaries and employee benefits | $620,000 | 5,646 |
| Premises and equipment expense | $181,000 | 5,157 |
| Additional noninterest expense | $425,000 | 4,895 |
| Pre-tax net operating income | $274,000 | 6,749 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $81,000 | 5,065 |
| Income before extraordinary items | $193,000 | 6,988 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $193,000 | 6,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,682 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $193,000 | 6,933 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $751,000 | 6,561 |
| Total interest expense | $170,000 | 6,918 |
| Net interest income | $581,000 | 6,313 |
| Provision for loan and lease losses | $11,000 | 5,337 |
| Total noninterest income | $157,000 | 4,590 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $126,000 | 2,924 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $31,000 | 6,124 |
| Total noninterest expense | $658,000 | 5,210 |
| Salaries and employee benefits | $308,000 | 5,709 |
| Premises and equipment expense | $92,000 | 5,144 |
| Additional noninterest expense | $258,000 | 4,260 |
| Pre-tax net operating income | $69,000 | 7,653 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $16,000 | 5,817 |
| Income before extraordinary items | $53,000 | 7,710 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $53,000 | 7,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,076 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $53,000 | 7,684 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,800,000 | 6,615 |
| Total interest expense | $671,000 | 6,687 |
| Net interest income | $2,129,000 | 6,460 |
| Provision for loan and lease losses | $522,000 | 1,894 |
| Total noninterest income | $742,000 | 4,255 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $594,000 | 2,725 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $148,000 | 5,715 |
| Total noninterest expense | $2,571,000 | 5,204 |
| Salaries and employee benefits | $1,272,000 | 5,514 |
| Premises and equipment expense | $338,000 | 5,334 |
| Additional noninterest expense | $961,000 | 4,494 |
| Pre-tax net operating income | $-232,000 | 8,549 |
| Securities gains (losses) | $-52,000 | 8,606 |
| Applicable income taxes | $-241,000 | 8,834 |
| Income before extraordinary items | $-33,000 | 8,478 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-33,000 | 8,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,063,000 | 738 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $280 | 8,404 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,077,000 | 6,653 |
| Total interest expense | $522,000 | 6,600 |
| Net interest income | $1,555,000 | 6,534 |
| Provision for loan and lease losses | $359,000 | 1,976 |
| Total noninterest income | $566,000 | 4,230 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $442,000 | 2,764 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $124,000 | 5,505 |
| Total noninterest expense | $1,955,000 | 5,109 |
| Salaries and employee benefits | $967,000 | 5,434 |
| Premises and equipment expense | $249,000 | 5,358 |
| Additional noninterest expense | $739,000 | 4,340 |
| Pre-tax net operating income | $-193,000 | 8,644 |
| Securities gains (losses) | $-52,000 | 8,809 |
| Applicable income taxes | $-116,000 | 8,864 |
| Income before extraordinary items | $-129,000 | 8,646 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-129,000 | 8,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $833,000 | 648 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-95,720 | 8,592 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,395,000 | 6,678 |
| Total interest expense | $352,000 | 6,600 |
| Net interest income | $1,043,000 | 6,550 |
| Provision for loan and lease losses | $34,000 | 5,224 |
| Total noninterest income | $373,000 | 4,270 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $292,000 | 2,767 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $81,000 | 5,579 |
| Total noninterest expense | $1,281,000 | 5,194 |
| Salaries and employee benefits | $642,000 | 5,484 |
| Premises and equipment expense | $160,000 | 5,480 |
| Additional noninterest expense | $479,000 | 4,460 |
| Pre-tax net operating income | $101,000 | 7,917 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $13,000 | 6,532 |
| Income before extraordinary items | $88,000 | 7,905 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $88,000 | 7,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 1,756 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $88,000 | 7,844 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $694,000 | 6,743 |
| Total interest expense | $176,000 | 6,673 |
| Net interest income | $518,000 | 6,589 |
| Provision for loan and lease losses | $28,000 | 4,432 |
| Total noninterest income | $186,000 | 4,225 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $136,000 | 2,882 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $50,000 | 5,122 |
| Total noninterest expense | $639,000 | 5,222 |
| Salaries and employee benefits | $312,000 | 5,616 |
| Premises and equipment expense | $79,000 | 5,553 |
| Additional noninterest expense | $248,000 | 4,344 |
| Pre-tax net operating income | $37,000 | 8,090 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,000 | 6,972 |
| Income before extraordinary items | $36,000 | 8,046 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $36,000 | 8,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 1,439 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $36,000 | 7,985 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,813,000 | 6,728 |
| Total interest expense | $721,000 | 6,959 |
| Net interest income | $2,092,000 | 6,446 |
| Provision for loan and lease losses | $285,000 | 3,294 |
| Total noninterest income | $934,000 | 3,860 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $549,000 | 2,881 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $385,000 | 4,050 |
| Total noninterest expense | $2,462,000 | 5,273 |
| Salaries and employee benefits | $1,223,000 | 5,576 |
| Premises and equipment expense | $303,000 | 5,636 |
| Additional noninterest expense | $936,000 | 4,489 |
| Pre-tax net operating income | $279,000 | 7,513 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-14,000 | 8,779 |
| Income before extraordinary items | $293,000 | 7,310 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $293,000 | 7,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,954 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $293,000 | 7,165 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,103,000 | 6,812 |
| Total interest expense | $551,000 | 7,074 |
| Net interest income | $1,552,000 | 6,522 |
| Provision for loan and lease losses | $271,000 | 2,686 |
| Total noninterest income | $760,000 | 3,755 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $402,000 | 2,935 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $358,000 | 3,735 |
| Total noninterest expense | $1,835,000 | 5,272 |
| Salaries and employee benefits | $907,000 | 5,578 |
| Premises and equipment expense | $232,000 | 5,560 |
| Additional noninterest expense | $696,000 | 4,486 |
| Pre-tax net operating income | $206,000 | 7,695 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-31,000 | 8,987 |
| Income before extraordinary items | $237,000 | 7,349 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $237,000 | 7,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,871 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $237,000 | 7,179 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,449,000 | 6,768 |
| Total interest expense | $380,000 | 7,103 |
| Net interest income | $1,069,000 | 6,436 |
| Provision for loan and lease losses | $230,000 | 2,276 |
| Total noninterest income | $562,000 | 3,498 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $271,000 | 2,875 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $291,000 | 3,352 |
| Total noninterest expense | $1,223,000 | 5,263 |
| Salaries and employee benefits | $611,000 | 5,560 |
| Premises and equipment expense | $146,000 | 5,746 |
| Additional noninterest expense | $466,000 | 4,474 |
| Pre-tax net operating income | $178,000 | 7,399 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $54,000 | 5,837 |
| Income before extraordinary items | $124,000 | 7,707 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $124,000 | 7,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 2,166 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $124,000 | 7,530 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $744,000 | 6,722 |
| Total interest expense | $196,000 | 7,129 |
| Net interest income | $548,000 | 6,363 |
| Provision for loan and lease losses | $32,000 | 4,392 |
| Total noninterest income | $197,000 | 4,200 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $129,000 | 2,921 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $68,000 | 4,672 |
| Total noninterest expense | $622,000 | 5,218 |
| Salaries and employee benefits | $306,000 | 5,554 |
| Premises and equipment expense | $78,000 | 5,518 |
| Additional noninterest expense | $238,000 | 4,379 |
| Pre-tax net operating income | $91,000 | 7,328 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $28,000 | 5,789 |
| Income before extraordinary items | $63,000 | 7,631 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $63,000 | 7,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 1,750 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $63,000 | 7,480 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,716,000 | 7,143 |
| Total interest expense | $792,000 | 7,539 |
| Net interest income | $1,924,000 | 6,744 |
| Provision for loan and lease losses | $928,000 | 1,443 |
| Total noninterest income | $821,000 | 3,927 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $473,000 | 3,118 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $348,000 | 3,961 |
| Total noninterest expense | $2,087,000 | 5,732 |
| Salaries and employee benefits | $1,005,000 | 6,130 |
| Premises and equipment expense | $260,000 | 6,001 |
| Additional noninterest expense | $822,000 | 4,836 |
| Pre-tax net operating income | $-270,000 | 8,865 |
| Securities gains (losses) | $12,000 | 3,495 |
| Applicable income taxes | $-102,000 | 9,067 |
| Income before extraordinary items | $-156,000 | 8,878 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-156,000 | 8,878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $860,000 | 1,102 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-163,680 | 8,828 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,539,000 | 6,745 |
| Total interest expense | $1,457,000 | 7,061 |
| Net interest income | $2,082,000 | 6,310 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $396,000 | 5,704 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $364,000 | 3,663 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $32,000 | 8,285 |
| Total noninterest expense | $1,607,000 | 6,562 |
| Salaries and employee benefits | $831,000 | 6,651 |
| Premises and equipment expense | $253,000 | 6,053 |
| Additional noninterest expense | $523,000 | 6,298 |
| Pre-tax net operating income | $871,000 | 5,279 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $274,000 | 4,453 |
| Income before extraordinary items | $597,000 | 5,645 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $597,000 | 5,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 9,258 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $597,000 | 5,512 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,215,000 | 8,212 |
| Total interest expense | $792,000 | 8,667 |
| Net interest income | $1,423,000 | 7,604 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $192,000 | 7,365 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $173,000 | 5,458 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 8,999 |
| Total noninterest expense | $841,000 | 8,447 |
| Salaries and employee benefits | $496,000 | 8,259 |
| Premises and equipment expense | $138,000 | 7,777 |
| Additional noninterest expense | $207,000 | 8,731 |
| Pre-tax net operating income | $774,000 | 5,958 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $260,000 | 4,898 |
| Income before extraordinary items | $514,000 | 6,242 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $514,000 | 6,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 9,115 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $514,000 | 6,265 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,053,000 | 8,434 |
| Total interest expense | $706,000 | 8,937 |
| Net interest income | $1,347,000 | 7,872 |
| Provision for loan and lease losses | $-200,000 | 10,144 |
| Total noninterest income | $181,000 | 7,706 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $167,000 | 5,571 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 9,524 |
| Total noninterest expense | $895,000 | 8,439 |
| Salaries and employee benefits | $511,000 | 8,284 |
| Premises and equipment expense | $146,000 | 7,736 |
| Additional noninterest expense | $238,000 | 8,675 |
| Pre-tax net operating income | $833,000 | 5,816 |
| Securities gains (losses) | $19,000 | 1,429 |
| Applicable income taxes | $286,000 | 4,919 |
| Income before extraordinary items | $566,000 | 6,067 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $566,000 | 6,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 9,464 |
| Cash dividends | $600,000 | 3,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $553,460 | 6,117 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,303,000 | 8,307 |
| Total interest expense | $803,000 | 8,932 |
| Net interest income | $1,500,000 | 7,684 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $228,000 | 7,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 5,694 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 7,673 |
| Total noninterest expense | $922,000 | 8,367 |
| Salaries and employee benefits | $514,000 | 8,265 |
| Premises and equipment expense | $166,000 | 7,324 |
| Additional noninterest expense | $242,000 | 8,682 |
| Pre-tax net operating income | $806,000 | 6,073 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $270,000 | 5,455 |
| Income before extraordinary items | $536,000 | 6,398 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $536,000 | 6,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $454,000 | 1,363 |
| Cash dividends | $600,000 | 3,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $536,000 | 6,288 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,425,000 | 8,477 |
| Total interest expense | $774,000 | 9,329 |
| Net interest income | $1,651,000 | 7,655 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $219,000 | 7,598 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $177,000 | 5,707 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,774 |
| Total noninterest expense | $886,000 | 8,731 |
| Salaries and employee benefits | $503,000 | 8,587 |
| Premises and equipment expense | $132,000 | 8,186 |
| Additional noninterest expense | $251,000 | 8,838 |
| Pre-tax net operating income | $984,000 | 5,881 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $329,000 | 5,475 |
| Income before extraordinary items | $660,000 | 6,065 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $660,000 | 6,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,656 |
| Cash dividends | $1,800,000 | 1,406 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $656,650 | 6,036 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,613,000 | 8,548 |
| Total interest expense | $799,000 | 9,649 |
| Net interest income | $1,814,000 | 7,541 |
| Provision for loan and lease losses | $10,000 | 8,531 |
| Total noninterest income | $220,000 | 7,963 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $199,000 | 5,581 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 10,346 |
| Total noninterest expense | $1,216,000 | 7,946 |
| Salaries and employee benefits | $787,000 | 7,044 |
| Premises and equipment expense | $95,000 | 9,426 |
| Additional noninterest expense | $334,000 | 8,528 |
| Pre-tax net operating income | $808,000 | 6,472 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $269,000 | 6,193 |
| Income before extraordinary items | $539,000 | 6,626 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $539,000 | 6,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 10,715 |
| Cash dividends | $660,000 | 2,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $539,000 | 6,568 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,639,000 | 8,732 |
| Total interest expense | $775,000 | 10,039 |
| Net interest income | $1,864,000 | 7,617 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $207,000 | 8,322 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $186,000 | 5,948 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 10,833 |
| Total noninterest expense | $1,049,000 | 8,764 |
| Salaries and employee benefits | $638,000 | 8,131 |
| Premises and equipment expense | $89,000 | 9,947 |
| Additional noninterest expense | $322,000 | 9,008 |
| Pre-tax net operating income | $1,022,000 | 5,906 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $347,000 | 5,477 |
| Income before extraordinary items | $675,000 | 6,149 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $675,000 | 6,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,073 |
| Cash dividends | $600,000 | 2,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $675,000 | 6,126 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,345,000 | 9,177 |
| Total interest expense | $681,000 | 10,205 |
| Net interest income | $1,664,000 | 8,406 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $248,000 | 7,979 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $196,000 | 5,940 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 9,512 |
| Total noninterest expense | $1,074,000 | 9,067 |
| Salaries and employee benefits | $588,000 | 8,699 |
| Premises and equipment expense | $99,000 | 10,067 |
| Additional noninterest expense | $387,000 | 8,949 |
| Pre-tax net operating income | $838,000 | 6,687 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $278,000 | 6,150 |
| Income before extraordinary items | $560,000 | 6,832 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $560,000 | 6,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 11,219 |
| Cash dividends | $500,000 | 3,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $560,000 | 6,885 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,269,000 | 9,633 |
| Total interest expense | $680,000 | 10,711 |
| Net interest income | $1,589,000 | 8,830 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $182,000 | 9,559 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 6,825 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 11,885 |
| Total noninterest expense | $1,022,000 | 9,642 |
| Salaries and employee benefits | $560,000 | 9,126 |
| Premises and equipment expense | $102,000 | 10,386 |
| Additional noninterest expense | $360,000 | 9,731 |
| Pre-tax net operating income | $749,000 | 7,094 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $253,000 | 6,745 |
| Income before extraordinary items | $496,000 | 7,594 |
| Extraordinary gains, net | $237,000 | 881 |
| Net income | $733,000 | 6,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 9,031 |
| Cash dividends | $650,000 | 2,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $496,000 | 7,337 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,599,000 | 9,730 |
| Total interest expense | $884,000 | 10,937 |
| Net interest income | $1,715,000 | 8,603 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $193,000 | 9,551 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $162,000 | 6,817 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 11,703 |
| Total noninterest expense | $1,010,000 | 9,925 |
| Salaries and employee benefits | $563,000 | 9,156 |
| Premises and equipment expense | $119,000 | 10,050 |
| Additional noninterest expense | $328,000 | 10,457 |
| Pre-tax net operating income | $898,000 | 6,105 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $301,000 | 5,910 |
| Income before extraordinary items | $597,000 | 6,602 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $597,000 | 6,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-248,000 | 13,873 |
| Cash dividends | $400,000 | 3,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $597,000 | 6,236 |
* 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.