Home > First National Bank of Muskogee > Income and Expense
First National Bank of Muskogee, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,156,000 | 3,092 |
| Total interest expense | $415,000 | 4,246 |
| Net interest income | $3,741,000 | 2,864 |
| Provision for loan and lease losses | $229,000 | 2,818 |
| Total noninterest income | $1,779,000 | 1,418 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $461,000 | 1,517 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,318,000 | 1,248 |
| Total noninterest expense | $3,798,000 | 2,489 |
| Salaries and employee benefits | $1,794,000 | 2,741 |
| Premises and equipment expense | $380,000 | 2,880 |
| Additional noninterest expense | $1,624,000 | 2,005 |
| Pre-tax net operating income | $1,493,000 | 2,142 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $1,493,000 | 1,895 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,493,000 | 1,894 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,493,000 | 1,895 |
| Net charge-offs | $59,000 | 3,882 |
| Cash dividends | $400,000 | 1,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $1,493,000 | 1,805 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,031,000 | 3,169 |
| Total interest expense | $214,000 | 4,289 |
| Net interest income | $1,817,000 | 2,951 |
| Provision for loan and lease losses | $104,000 | 2,816 |
| Total noninterest income | $593,000 | 1,923 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $212,000 | 1,606 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $381,000 | 1,812 |
| Total noninterest expense | $1,711,000 | 2,726 |
| Salaries and employee benefits | $806,000 | 3,012 |
| Premises and equipment expense | $200,000 | 2,792 |
| Additional noninterest expense | $705,000 | 2,279 |
| Pre-tax net operating income | $595,000 | 2,546 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $595,000 | 2,272 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $595,000 | 2,274 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $595,000 | 2,275 |
| Net charge-offs | $9,000 | 4,072 |
| Cash dividends | $400,000 | 1,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $595,000 | 2,157 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $7,904,000 | 3,358 |
| Total interest expense | $1,053,000 | 4,294 |
| Net interest income | $6,851,000 | 3,124 |
| Provision for loan and lease losses | $436,000 | 3,640 |
| Total noninterest income | $2,330,000 | 1,808 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $775,000 | 1,829 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,555,000 | 1,610 |
| Total noninterest expense | $5,453,000 | 3,305 |
| Salaries and employee benefits | $2,825,000 | 3,256 |
| Premises and equipment expense | $643,000 | 3,397 |
| Additional noninterest expense | $1,985,000 | 3,156 |
| Pre-tax net operating income | $3,292,000 | 1,688 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $3,292,000 | 1,488 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,292,000 | 1,488 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $3,292,000 | 1,488 |
| Net charge-offs | $48,000 | 5,495 |
| Cash dividends | $2,850,000 | 692 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $3,292,000 | 1,418 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,869,000 | 3,422 |
| Total interest expense | $828,000 | 4,285 |
| Net interest income | $5,041,000 | 3,193 |
| Provision for loan and lease losses | $313,000 | 3,557 |
| Total noninterest income | $1,736,000 | 1,802 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $558,000 | 1,891 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,178,000 | 1,573 |
| Total noninterest expense | $3,976,000 | 3,386 |
| Salaries and employee benefits | $2,032,000 | 3,352 |
| Premises and equipment expense | $482,000 | 3,441 |
| Additional noninterest expense | $1,462,000 | 3,224 |
| Pre-tax net operating income | $2,488,000 | 1,739 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $2,488,000 | 1,527 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,488,000 | 1,527 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,488,000 | 1,527 |
| Net charge-offs | $32,000 | 5,264 |
| Cash dividends | $2,000,000 | 634 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $2,488,000 | 1,444 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,766,000 | 3,569 |
| Total interest expense | $577,000 | 4,280 |
| Net interest income | $3,189,000 | 3,329 |
| Provision for loan and lease losses | $196,000 | 3,576 |
| Total noninterest income | $1,103,000 | 1,857 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $361,000 | 1,920 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $742,000 | 1,645 |
| Total noninterest expense | $2,608,000 | 3,467 |
| Salaries and employee benefits | $1,291,000 | 3,495 |
| Premises and equipment expense | $324,000 | 3,456 |
| Additional noninterest expense | $993,000 | 3,226 |
| Pre-tax net operating income | $1,488,000 | 1,897 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $1,488,000 | 1,636 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,488,000 | 1,636 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,488,000 | 1,636 |
| Net charge-offs | $7,000 | 5,446 |
| Cash dividends | $900,000 | 886 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $1,488,000 | 1,565 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,799,000 | 3,692 |
| Total interest expense | $301,000 | 4,285 |
| Net interest income | $1,498,000 | 3,468 |
| Provision for loan and lease losses | $79,000 | 3,645 |
| Total noninterest income | $510,000 | 1,952 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $173,000 | 1,965 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $337,000 | 1,774 |
| Total noninterest expense | $1,278,000 | 3,515 |
| Salaries and employee benefits | $635,000 | 3,567 |
| Premises and equipment expense | $157,000 | 3,576 |
| Additional noninterest expense | $486,000 | 3,265 |
| Pre-tax net operating income | $651,000 | 2,084 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $651,000 | 1,792 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $651,000 | 1,791 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $651,000 | 1,792 |
| Net charge-offs | $4,000 | 4,727 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $651,000 | 1,739 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,438,000 | 3,749 |
| Total interest expense | $1,238,000 | 4,739 |
| Net interest income | $6,200,000 | 3,391 |
| Provision for loan and lease losses | $622,000 | 3,786 |
| Total noninterest income | $2,477,000 | 1,773 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $689,000 | 2,065 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,788,000 | 1,518 |
| Total noninterest expense | $5,333,000 | 3,416 |
| Salaries and employee benefits | $2,847,000 | 3,258 |
| Premises and equipment expense | $578,000 | 3,814 |
| Additional noninterest expense | $1,908,000 | 3,383 |
| Pre-tax net operating income | $2,722,000 | 1,764 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $2,722,000 | 1,527 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,722,000 | 1,528 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $2,722,000 | 1,529 |
| Net charge-offs | $184,000 | 4,850 |
| Cash dividends | $1,400,000 | 1,137 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $2,722,000 | 1,476 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,572,000 | 3,828 |
| Total interest expense | $927,000 | 4,902 |
| Net interest income | $4,645,000 | 3,440 |
| Provision for loan and lease losses | $521,000 | 3,478 |
| Total noninterest income | $1,599,000 | 1,998 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $502,000 | 2,165 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,097,000 | 1,703 |
| Total noninterest expense | $3,911,000 | 3,494 |
| Salaries and employee benefits | $2,131,000 | 3,276 |
| Premises and equipment expense | $423,000 | 3,949 |
| Additional noninterest expense | $1,357,000 | 3,497 |
| Pre-tax net operating income | $1,812,000 | 2,053 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $1,812,000 | 1,818 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,812,000 | 1,819 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,812,000 | 1,820 |
| Net charge-offs | $170,000 | 4,390 |
| Cash dividends | $900,000 | 1,140 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $1,812,000 | 1,727 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,690,000 | 3,870 |
| Total interest expense | $609,000 | 5,041 |
| Net interest income | $3,081,000 | 3,456 |
| Provision for loan and lease losses | $499,000 | 2,872 |
| Total noninterest income | $1,034,000 | 2,001 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $307,000 | 2,316 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $727,000 | 1,632 |
| Total noninterest expense | $2,577,000 | 3,540 |
| Salaries and employee benefits | $1,398,000 | 3,345 |
| Premises and equipment expense | $288,000 | 3,924 |
| Additional noninterest expense | $891,000 | 3,509 |
| Pre-tax net operating income | $1,039,000 | 2,314 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $1,039,000 | 2,045 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,039,000 | 2,043 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,039,000 | 2,045 |
| Net charge-offs | $38,000 | 5,106 |
| Cash dividends | $500,000 | 1,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,039,000 | 1,962 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,830,000 | 3,950 |
| Total interest expense | $306,000 | 5,155 |
| Net interest income | $1,524,000 | 3,508 |
| Provision for loan and lease losses | $120,000 | 3,696 |
| Total noninterest income | $513,000 | 1,996 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $140,000 | 2,465 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $373,000 | 1,576 |
| Total noninterest expense | $1,258,000 | 3,629 |
| Salaries and employee benefits | $724,000 | 3,298 |
| Premises and equipment expense | $141,000 | 4,046 |
| Additional noninterest expense | $393,000 | 3,834 |
| Pre-tax net operating income | $659,000 | 1,935 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $659,000 | 1,658 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $659,000 | 1,659 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $659,000 | 1,660 |
| Net charge-offs | $14,000 | 4,653 |
| Cash dividends | $500,000 | 654 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $659,000 | 1,590 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,343,000 | 4,048 |
| Total interest expense | $1,613,000 | 4,989 |
| Net interest income | $5,730,000 | 3,589 |
| Provision for loan and lease losses | $717,000 | 4,004 |
| Total noninterest income | $1,973,000 | 2,140 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $575,000 | 2,613 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,398,000 | 1,728 |
| Total noninterest expense | $4,978,000 | 3,703 |
| Salaries and employee benefits | $2,939,000 | 3,239 |
| Premises and equipment expense | $533,000 | 4,207 |
| Additional noninterest expense | $1,506,000 | 4,065 |
| Pre-tax net operating income | $2,008,000 | 1,901 |
| Securities gains (losses) | $32,000 | 2,849 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $2,040,000 | 1,635 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,040,000 | 1,633 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $2,040,000 | 1,634 |
| Net charge-offs | $589,000 | 3,585 |
| Cash dividends | $1,300,000 | 1,331 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $2,008,000 | 1,619 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,516,000 | 4,099 |
| Total interest expense | $1,286,000 | 4,981 |
| Net interest income | $4,230,000 | 3,644 |
| Provision for loan and lease losses | $496,000 | 3,809 |
| Total noninterest income | $1,437,000 | 2,229 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $430,000 | 2,626 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,007,000 | 1,816 |
| Total noninterest expense | $3,597,000 | 3,819 |
| Salaries and employee benefits | $2,175,000 | 3,315 |
| Premises and equipment expense | $405,000 | 4,229 |
| Additional noninterest expense | $1,017,000 | 4,328 |
| Pre-tax net operating income | $1,574,000 | 1,967 |
| Securities gains (losses) | $30,000 | 2,554 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $1,604,000 | 1,669 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,604,000 | 1,668 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,604,000 | 1,669 |
| Net charge-offs | $248,000 | 3,987 |
| Cash dividends | $700,000 | 1,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,574,000 | 1,662 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,700,000 | 4,120 |
| Total interest expense | $914,000 | 4,954 |
| Net interest income | $2,786,000 | 3,665 |
| Provision for loan and lease losses | $376,000 | 3,362 |
| Total noninterest income | $862,000 | 2,411 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $280,000 | 2,640 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $582,000 | 2,025 |
| Total noninterest expense | $2,292,000 | 3,971 |
| Salaries and employee benefits | $1,412,000 | 3,412 |
| Premises and equipment expense | $264,000 | 4,307 |
| Additional noninterest expense | $616,000 | 4,648 |
| Pre-tax net operating income | $980,000 | 2,147 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $980,000 | 1,873 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $980,000 | 1,870 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $980,000 | 1,872 |
| Net charge-offs | $55,000 | 4,825 |
| Cash dividends | $700,000 | 1,254 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $980,000 | 1,822 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,867,000 | 4,141 |
| Total interest expense | $500,000 | 4,829 |
| Net interest income | $1,367,000 | 3,701 |
| Provision for loan and lease losses | $113,000 | 3,706 |
| Total noninterest income | $390,000 | 2,539 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $134,000 | 2,678 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $256,000 | 2,172 |
| Total noninterest expense | $1,144,000 | 3,917 |
| Salaries and employee benefits | $757,000 | 3,246 |
| Premises and equipment expense | $136,000 | 4,268 |
| Additional noninterest expense | $251,000 | 4,944 |
| Pre-tax net operating income | $500,000 | 2,376 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $500,000 | 2,138 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $500,000 | 2,137 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $500,000 | 2,139 |
| Net charge-offs | $18,000 | 4,403 |
| Cash dividends | $400,000 | 1,067 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $500,000 | 2,001 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,738,000 | 4,225 |
| Total interest expense | $2,637,000 | 4,598 |
| Net interest income | $5,101,000 | 3,901 |
| Provision for loan and lease losses | $358,000 | 4,321 |
| Total noninterest income | $1,971,000 | 2,166 |
| Gross Fiduciary activities income | $1,000 | 1,385 |
| Service charges on deposit accounts | $506,000 | 2,986 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,464,000 | 1,623 |
| Total noninterest expense | $4,682,000 | 3,761 |
| Salaries and employee benefits | $2,964,000 | 3,287 |
| Premises and equipment expense | $546,000 | 4,229 |
| Additional noninterest expense | $1,172,000 | 4,363 |
| Pre-tax net operating income | $2,032,000 | 2,417 |
| Securities gains (losses) | $166,000 | 807 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $2,198,000 | 1,826 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,198,000 | 1,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 3,883 |
| Cash dividends | $250,000 | 4,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $2,032,000 | 2,082 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,853,000 | 4,270 |
| Total interest expense | $2,080,000 | 4,584 |
| Net interest income | $3,773,000 | 3,953 |
| Provision for loan and lease losses | $202,000 | 4,192 |
| Total noninterest income | $1,487,000 | 2,223 |
| Gross Fiduciary activities income | $1,000 | 1,339 |
| Service charges on deposit accounts | $373,000 | 3,060 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,113,000 | 1,683 |
| Total noninterest expense | $3,509,000 | 3,747 |
| Salaries and employee benefits | $2,239,000 | 3,302 |
| Premises and equipment expense | $412,000 | 4,219 |
| Additional noninterest expense | $858,000 | 4,350 |
| Pre-tax net operating income | $1,549,000 | 2,771 |
| Securities gains (losses) | $19,000 | 2,045 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $1,568,000 | 2,241 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,568,000 | 2,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,457 |
| Cash dividends | $250,000 | 3,624 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,549,000 | 2,379 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,910,000 | 4,318 |
| Total interest expense | $1,440,000 | 4,622 |
| Net interest income | $2,470,000 | 4,018 |
| Provision for loan and lease losses | $120,000 | 3,966 |
| Total noninterest income | $968,000 | 2,289 |
| Gross Fiduciary activities income | $1,000 | 1,327 |
| Service charges on deposit accounts | $251,000 | 2,998 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $716,000 | 1,754 |
| Total noninterest expense | $2,280,000 | 3,848 |
| Salaries and employee benefits | $1,463,000 | 3,404 |
| Premises and equipment expense | $255,000 | 4,450 |
| Additional noninterest expense | $562,000 | 4,374 |
| Pre-tax net operating income | $1,038,000 | 2,882 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $1,038,000 | 2,495 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,038,000 | 2,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,443 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,038,000 | 2,453 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,954,000 | 4,389 |
| Total interest expense | $755,000 | 4,671 |
| Net interest income | $1,199,000 | 4,108 |
| Provision for loan and lease losses | $4,000 | 5,832 |
| Total noninterest income | $397,000 | 2,617 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $117,000 | 3,105 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $280,000 | 2,052 |
| Total noninterest expense | $1,153,000 | 3,822 |
| Salaries and employee benefits | $745,000 | 3,371 |
| Premises and equipment expense | $130,000 | 4,415 |
| Additional noninterest expense | $278,000 | 4,359 |
| Pre-tax net operating income | $439,000 | 3,324 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $439,000 | 2,986 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $439,000 | 2,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,215 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $439,000 | 2,898 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,975,000 | 4,370 |
| Total interest expense | $3,296,000 | 4,509 |
| Net interest income | $4,679,000 | 4,194 |
| Provision for loan and lease losses | $263,000 | 3,416 |
| Total noninterest income | $1,705,000 | 2,483 |
| Gross Fiduciary activities income | $3,000 | 1,373 |
| Service charges on deposit accounts | $525,000 | 2,939 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,177,000 | 1,992 |
| Total noninterest expense | $4,073,000 | 4,067 |
| Salaries and employee benefits | $2,531,000 | 3,685 |
| Premises and equipment expense | $460,000 | 4,609 |
| Additional noninterest expense | $1,082,000 | 4,389 |
| Pre-tax net operating income | $2,048,000 | 3,264 |
| Securities gains (losses) | $-16,000 | 7,690 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $2,032,000 | 2,781 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,032,000 | 2,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,709 |
| Cash dividends | $1,405,000 | 2,095 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,048,000 | 2,742 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,911,000 | 4,414 |
| Total interest expense | $2,496,000 | 4,490 |
| Net interest income | $3,415,000 | 4,284 |
| Provision for loan and lease losses | $52,000 | 5,009 |
| Total noninterest income | $1,300,000 | 2,446 |
| Gross Fiduciary activities income | $2,000 | 1,352 |
| Service charges on deposit accounts | $395,000 | 2,922 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $903,000 | 1,963 |
| Total noninterest expense | $3,050,000 | 4,051 |
| Salaries and employee benefits | $1,932,000 | 3,625 |
| Premises and equipment expense | $328,000 | 4,748 |
| Additional noninterest expense | $790,000 | 4,398 |
| Pre-tax net operating income | $1,613,000 | 3,305 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $1,613,000 | 2,820 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,613,000 | 2,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $1,405,000 | 1,584 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,613,000 | 2,801 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,900,000 | 4,469 |
| Total interest expense | $1,668,000 | 4,479 |
| Net interest income | $2,232,000 | 4,374 |
| Provision for loan and lease losses | $51,000 | 4,329 |
| Total noninterest income | $924,000 | 2,353 |
| Gross Fiduciary activities income | $1,000 | 1,345 |
| Service charges on deposit accounts | $283,000 | 2,783 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $640,000 | 1,891 |
| Total noninterest expense | $1,987,000 | 4,143 |
| Salaries and employee benefits | $1,278,000 | 3,688 |
| Premises and equipment expense | $211,000 | 4,859 |
| Additional noninterest expense | $498,000 | 4,595 |
| Pre-tax net operating income | $1,118,000 | 3,272 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $1,118,000 | 2,803 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,118,000 | 2,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,783 |
| Cash dividends | $905,000 | 1,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,118,000 | 2,782 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,919,000 | 4,510 |
| Total interest expense | $826,000 | 4,483 |
| Net interest income | $1,093,000 | 4,434 |
| Provision for loan and lease losses | $10,000 | 5,012 |
| Total noninterest income | $419,000 | 2,471 |
| Gross Fiduciary activities income | $1,000 | 1,263 |
| Service charges on deposit accounts | $138,000 | 2,762 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $280,000 | 2,055 |
| Total noninterest expense | $984,000 | 4,196 |
| Salaries and employee benefits | $656,000 | 3,631 |
| Premises and equipment expense | $102,000 | 4,980 |
| Additional noninterest expense | $226,000 | 4,851 |
| Pre-tax net operating income | $518,000 | 3,443 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $518,000 | 2,948 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $518,000 | 2,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,748 |
| Cash dividends | $470,000 | 1,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $518,000 | 2,931 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,349,000 | 4,435 |
| Total interest expense | $2,937,000 | 4,367 |
| Net interest income | $4,412,000 | 4,393 |
| Provision for loan and lease losses | $74,000 | 5,113 |
| Total noninterest income | $1,795,000 | 2,398 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $626,000 | 2,604 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,169,000 | 2,003 |
| Total noninterest expense | $3,958,000 | 4,029 |
| Salaries and employee benefits | $2,423,000 | 3,695 |
| Premises and equipment expense | $571,000 | 3,906 |
| Additional noninterest expense | $964,000 | 4,633 |
| Pre-tax net operating income | $2,175,000 | 3,456 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $2,175,000 | 2,926 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,175,000 | 2,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 3,692 |
| Cash dividends | $2,100,000 | 1,457 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,175,000 | 2,913 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,397,000 | 4,472 |
| Total interest expense | $2,099,000 | 4,410 |
| Net interest income | $3,298,000 | 4,442 |
| Provision for loan and lease losses | $13,000 | 6,263 |
| Total noninterest income | $1,271,000 | 2,497 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $449,000 | 2,688 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $822,000 | 2,084 |
| Total noninterest expense | $2,897,000 | 4,074 |
| Salaries and employee benefits | $1,863,000 | 3,633 |
| Premises and equipment expense | $356,000 | 4,428 |
| Additional noninterest expense | $678,000 | 4,821 |
| Pre-tax net operating income | $1,659,000 | 3,546 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $1,659,000 | 2,968 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,659,000 | 2,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,511 |
| Cash dividends | $1,600,000 | 1,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,659,000 | 2,957 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,568,000 | 4,458 |
| Total interest expense | $1,366,000 | 4,352 |
| Net interest income | $2,202,000 | 4,443 |
| Provision for loan and lease losses | $15,000 | 5,732 |
| Total noninterest income | $768,000 | 2,668 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $295,000 | 2,694 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $473,000 | 2,303 |
| Total noninterest expense | $1,878,000 | 4,177 |
| Salaries and employee benefits | $1,194,000 | 3,755 |
| Premises and equipment expense | $240,000 | 4,385 |
| Additional noninterest expense | $444,000 | 4,866 |
| Pre-tax net operating income | $1,077,000 | 3,626 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $1,077,000 | 3,038 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,077,000 | 3,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,365 |
| Cash dividends | $900,000 | 1,569 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,077,000 | 3,029 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,729,000 | 4,492 |
| Total interest expense | $653,000 | 4,354 |
| Net interest income | $1,076,000 | 4,487 |
| Provision for loan and lease losses | $12,000 | 5,109 |
| Total noninterest income | $290,000 | 3,157 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $152,000 | 2,572 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $138,000 | 3,119 |
| Total noninterest expense | $881,000 | 4,387 |
| Salaries and employee benefits | $557,000 | 3,970 |
| Premises and equipment expense | $120,000 | 4,409 |
| Additional noninterest expense | $204,000 | 5,117 |
| Pre-tax net operating income | $473,000 | 3,875 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $473,000 | 3,308 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $473,000 | 3,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $400,000 | 1,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $473,000 | 3,285 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,704,000 | 4,744 |
| Total interest expense | $1,770,000 | 4,787 |
| Net interest income | $3,934,000 | 4,678 |
| Provision for loan and lease losses | $142,000 | 4,233 |
| Total noninterest income | $1,322,000 | 2,923 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $539,000 | 2,901 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $783,000 | 2,576 |
| Total noninterest expense | $3,574,000 | 4,225 |
| Salaries and employee benefits | $2,177,000 | 3,877 |
| Premises and equipment expense | $452,000 | 4,474 |
| Additional noninterest expense | $945,000 | 4,604 |
| Pre-tax net operating income | $1,540,000 | 4,308 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,540,000 | 3,718 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,540,000 | 3,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,509 |
| Cash dividends | $1,348,000 | 1,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,540,000 | 3,693 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,124,000 | 4,822 |
| Total interest expense | $1,233,000 | 4,866 |
| Net interest income | $2,891,000 | 4,751 |
| Provision for loan and lease losses | $111,000 | 4,028 |
| Total noninterest income | $966,000 | 2,979 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $373,000 | 3,058 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $593,000 | 2,570 |
| Total noninterest expense | $2,619,000 | 4,265 |
| Salaries and employee benefits | $1,602,000 | 3,904 |
| Premises and equipment expense | $330,000 | 4,539 |
| Additional noninterest expense | $687,000 | 4,682 |
| Pre-tax net operating income | $1,127,000 | 4,476 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $1,127,000 | 3,845 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,127,000 | 3,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 2,946 |
| Cash dividends | $422,000 | 3,070 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,127,000 | 3,794 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,674,000 | 4,853 |
| Total interest expense | $775,000 | 4,871 |
| Net interest income | $1,899,000 | 4,764 |
| Provision for loan and lease losses | $57,000 | 4,394 |
| Total noninterest income | $597,000 | 3,113 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $229,000 | 3,212 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $368,000 | 2,690 |
| Total noninterest expense | $1,696,000 | 4,345 |
| Salaries and employee benefits | $1,031,000 | 3,980 |
| Premises and equipment expense | $211,000 | 4,630 |
| Additional noninterest expense | $454,000 | 4,697 |
| Pre-tax net operating income | $743,000 | 4,461 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $743,000 | 3,805 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $743,000 | 3,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,825 |
| Cash dividends | $262,000 | 3,157 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $743,000 | 3,751 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,282,000 | 4,962 |
| Total interest expense | $359,000 | 4,984 |
| Net interest income | $923,000 | 4,878 |
| Provision for loan and lease losses | $11,000 | 5,337 |
| Total noninterest income | $207,000 | 3,890 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $95,000 | 3,552 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $112,000 | 3,523 |
| Total noninterest expense | $812,000 | 4,518 |
| Salaries and employee benefits | $497,000 | 4,113 |
| Premises and equipment expense | $97,000 | 4,978 |
| Additional noninterest expense | $218,000 | 4,792 |
| Pre-tax net operating income | $307,000 | 4,929 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $307,000 | 4,305 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $307,000 | 4,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $125,000 | 2,728 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $307,000 | 4,259 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,453,000 | 5,210 |
| Total interest expense | $940,000 | 5,835 |
| Net interest income | $3,513,000 | 4,883 |
| Provision for loan and lease losses | $146,000 | 4,313 |
| Total noninterest income | $607,000 | 4,791 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $351,000 | 3,929 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $256,000 | 4,585 |
| Total noninterest expense | $2,769,000 | 4,935 |
| Salaries and employee benefits | $1,680,000 | 4,567 |
| Premises and equipment expense | $360,000 | 5,113 |
| Additional noninterest expense | $729,000 | 5,386 |
| Pre-tax net operating income | $1,205,000 | 4,793 |
| Securities gains (losses) | $79,000 | 1,404 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $1,284,000 | 4,023 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,284,000 | 4,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,222 |
| Cash dividends | $1,034,000 | 2,263 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,205,000 | 4,127 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,228,000 | 5,300 |
| Total interest expense | $664,000 | 5,971 |
| Net interest income | $2,564,000 | 4,977 |
| Provision for loan and lease losses | $139,000 | 3,683 |
| Total noninterest income | $456,000 | 4,787 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $252,000 | 4,081 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $204,000 | 4,458 |
| Total noninterest expense | $2,003,000 | 5,029 |
| Salaries and employee benefits | $1,226,000 | 4,617 |
| Premises and equipment expense | $265,000 | 5,155 |
| Additional noninterest expense | $512,000 | 5,567 |
| Pre-tax net operating income | $878,000 | 4,950 |
| Securities gains (losses) | $79,000 | 1,334 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $957,000 | 4,116 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $957,000 | 4,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,694 |
| Cash dividends | $428,000 | 2,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $878,000 | 4,268 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,080,000 | 5,422 |
| Total interest expense | $424,000 | 6,120 |
| Net interest income | $1,656,000 | 5,085 |
| Provision for loan and lease losses | $107,000 | 3,361 |
| Total noninterest income | $280,000 | 4,994 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $152,000 | 4,303 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $128,000 | 4,639 |
| Total noninterest expense | $1,316,000 | 5,090 |
| Salaries and employee benefits | $799,000 | 4,731 |
| Premises and equipment expense | $175,000 | 5,210 |
| Additional noninterest expense | $342,000 | 5,576 |
| Pre-tax net operating income | $513,000 | 5,247 |
| Securities gains (losses) | $79,000 | 1,174 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $592,000 | 4,287 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $592,000 | 4,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,991 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $513,000 | 4,579 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,036,000 | 5,462 |
| Total interest expense | $212,000 | 6,188 |
| Net interest income | $824,000 | 5,108 |
| Provision for loan and lease losses | $47,000 | 3,399 |
| Total noninterest income | $130,000 | 5,127 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $66,000 | 4,552 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $64,000 | 4,614 |
| Total noninterest expense | $632,000 | 5,275 |
| Salaries and employee benefits | $395,000 | 4,785 |
| Premises and equipment expense | $87,000 | 5,269 |
| Additional noninterest expense | $150,000 | 5,995 |
| Pre-tax net operating income | $275,000 | 5,033 |
| Securities gains (losses) | $79,000 | 928 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $354,000 | 3,815 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $354,000 | 3,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,677 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $275,000 | 4,381 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,625,000 | 5,942 |
| Total interest expense | $1,065,000 | 5,942 |
| Net interest income | $2,560,000 | 5,827 |
| Provision for loan and lease losses | $140,000 | 4,692 |
| Total noninterest income | $622,000 | 4,863 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $209,000 | 5,171 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $413,000 | 3,925 |
| Total noninterest expense | $2,281,000 | 5,558 |
| Salaries and employee benefits | $1,435,000 | 5,003 |
| Premises and equipment expense | $333,000 | 5,335 |
| Additional noninterest expense | $513,000 | 6,480 |
| Pre-tax net operating income | $761,000 | 5,823 |
| Securities gains (losses) | $-6,000 | 8,711 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $755,000 | 5,382 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $755,000 | 5,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,174 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $761,000 | 5,216 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,670,000 | 6,066 |
| Total interest expense | $860,000 | 5,862 |
| Net interest income | $1,810,000 | 6,031 |
| Provision for loan and lease losses | $132,000 | 4,199 |
| Total noninterest income | $467,000 | 4,922 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $149,000 | 5,319 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $318,000 | 3,942 |
| Total noninterest expense | $1,669,000 | 5,608 |
| Salaries and employee benefits | $1,068,000 | 5,022 |
| Premises and equipment expense | $239,000 | 5,473 |
| Additional noninterest expense | $362,000 | 6,633 |
| Pre-tax net operating income | $476,000 | 6,388 |
| Securities gains (losses) | $-7,000 | 8,911 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $469,000 | 6,002 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $469,000 | 6,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,592 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $476,000 | 5,808 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,783,000 | 6,095 |
| Total interest expense | $617,000 | 5,747 |
| Net interest income | $1,166,000 | 6,147 |
| Provision for loan and lease losses | $85,000 | 4,219 |
| Total noninterest income | $315,000 | 4,864 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $86,000 | 5,601 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $229,000 | 3,782 |
| Total noninterest expense | $1,067,000 | 5,763 |
| Salaries and employee benefits | $695,000 | 5,109 |
| Premises and equipment expense | $147,000 | 5,723 |
| Additional noninterest expense | $225,000 | 6,827 |
| Pre-tax net operating income | $329,000 | 6,306 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $329,000 | 5,890 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $329,000 | 5,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $329,000 | 5,660 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $883,000 | 6,153 |
| Total interest expense | $323,000 | 5,714 |
| Net interest income | $560,000 | 6,287 |
| Provision for loan and lease losses | $47,000 | 3,775 |
| Total noninterest income | $137,000 | 5,121 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $36,000 | 5,904 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $101,000 | 3,918 |
| Total noninterest expense | $517,000 | 5,889 |
| Salaries and employee benefits | $345,000 | 5,143 |
| Premises and equipment expense | $71,000 | 5,797 |
| Additional noninterest expense | $101,000 | 7,129 |
| Pre-tax net operating income | $133,000 | 6,710 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $133,000 | 6,303 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $133,000 | 6,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $133,000 | 6,131 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,158,000 | 6,692 |
| Total interest expense | $1,471,000 | 5,789 |
| Net interest income | $1,687,000 | 7,133 |
| Provision for loan and lease losses | $208,000 | 4,273 |
| Total noninterest income | $298,000 | 6,466 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $91,000 | 6,741 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $207,000 | 4,943 |
| Total noninterest expense | $2,128,000 | 5,656 |
| Salaries and employee benefits | $1,328,000 | 5,125 |
| Premises and equipment expense | $306,000 | 5,510 |
| Additional noninterest expense | $494,000 | 6,538 |
| Pre-tax net operating income | $-351,000 | 8,920 |
| Securities gains (losses) | $57,000 | 2,288 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-294,000 | 8,961 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-294,000 | 8,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,420 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $1,451,000 | 337 |
| Net operating income | $-351,000 | 8,945 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $709,000 | 9,317 |
| Total interest expense | $387,000 | 9,177 |
| Net interest income | $322,000 | 9,390 |
| Provision for loan and lease losses | $138,000 | 4,959 |
| Total noninterest income | $35,000 | 9,312 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $12,000 | 8,234 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $23,000 | 8,600 |
| Total noninterest expense | $844,000 | 8,344 |
| Salaries and employee benefits | $478,000 | 8,274 |
| Premises and equipment expense | $93,000 | 8,406 |
| Additional noninterest expense | $273,000 | 8,052 |
| Pre-tax net operating income | $-625,000 | 9,218 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-625,000 | 9,288 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-625,000 | 9,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $6,000,000 | 145 |
| Net operating income | $-625,000 | 9,256 |
* 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.