Home > First Star Bank > Income and Expense
First Star Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $7,035,000 | 1,909 |
| Total interest expense | $2,837,000 | 865 |
| Net interest income | $4,198,000 | 2,594 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $341,000 | 3,951 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $180,000 | 3,174 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $161,000 | 3,965 |
| Total noninterest expense | $6,243,000 | 1,558 |
| Salaries and employee benefits | $2,236,000 | 2,226 |
| Premises and equipment expense | $403,000 | 2,756 |
| Additional noninterest expense | $3,604,000 | 965 |
| Pre-tax net operating income | $-1,704,000 | 7,068 |
| Securities gains (losses) | $-1,390,000 | 7,220 |
| Applicable income taxes | $-1,776,000 | 7,198 |
| Income before extraordinary items | $-1,318,000 | 7,043 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,318,000 | 7,042 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-1,318,000 | 7,043 |
| Net charge-offs | $137,000 | 3,133 |
| Cash dividends | $300,000 | 2,133 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-428,400 | 6,796 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,539,000 | 1,913 |
| Total interest expense | $1,446,000 | 883 |
| Net interest income | $2,093,000 | 2,607 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $103,000 | 4,902 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $92,000 | 3,114 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $11,000 | 6,162 |
| Total noninterest expense | $1,903,000 | 2,477 |
| Salaries and employee benefits | $1,063,000 | 2,347 |
| Premises and equipment expense | $208,000 | 2,721 |
| Additional noninterest expense | $632,000 | 2,521 |
| Pre-tax net operating income | $293,000 | 3,882 |
| Securities gains (losses) | $-121,000 | 7,211 |
| Applicable income taxes | $-27,000 | 7,054 |
| Income before extraordinary items | $199,000 | 4,392 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $199,000 | 4,395 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $199,000 | 4,395 |
| Net charge-offs | $69,000 | 2,773 |
| Cash dividends | $300,000 | 1,259 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $320,000 | 3,344 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $15,289,000 | 1,840 |
| Total interest expense | $6,642,000 | 915 |
| Net interest income | $8,647,000 | 2,541 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $1,434,000 | 2,520 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $279,000 | 3,743 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,155,000 | 1,953 |
| Total noninterest expense | $7,706,000 | 2,454 |
| Salaries and employee benefits | $4,005,000 | 2,401 |
| Premises and equipment expense | $893,000 | 2,660 |
| Additional noninterest expense | $2,808,000 | 2,336 |
| Pre-tax net operating income | $2,375,000 | 2,202 |
| Securities gains (losses) | $-3,116,000 | 7,323 |
| Applicable income taxes | $-594,000 | 7,092 |
| Income before extraordinary items | $-147,000 | 6,308 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-147,000 | 6,312 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-147,000 | 6,312 |
| Net charge-offs | $236,000 | 4,096 |
| Cash dividends | $490,000 | 2,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,847,240 | 2,325 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $11,522,000 | 1,851 |
| Total interest expense | $5,133,000 | 929 |
| Net interest income | $6,389,000 | 2,586 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $871,000 | 2,847 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $204,000 | 3,818 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $667,000 | 2,280 |
| Total noninterest expense | $5,870,000 | 2,430 |
| Salaries and employee benefits | $3,047,000 | 2,368 |
| Premises and equipment expense | $674,000 | 2,669 |
| Additional noninterest expense | $2,149,000 | 2,303 |
| Pre-tax net operating income | $1,390,000 | 2,719 |
| Securities gains (losses) | $-1,803,000 | 7,404 |
| Applicable income taxes | $-397,000 | 7,182 |
| Income before extraordinary items | $-16,000 | 6,282 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-16,000 | 6,284 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-16,000 | 6,284 |
| Net charge-offs | $230,000 | 3,559 |
| Cash dividends | $490,000 | 1,855 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $1,137,920 | 2,719 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,867,000 | 1,823 |
| Total interest expense | $3,519,000 | 931 |
| Net interest income | $4,348,000 | 2,539 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $392,000 | 3,590 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $129,000 | 3,892 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $263,000 | 3,084 |
| Total noninterest expense | $4,016,000 | 2,395 |
| Salaries and employee benefits | $2,077,000 | 2,331 |
| Premises and equipment expense | $466,000 | 2,590 |
| Additional noninterest expense | $1,473,000 | 2,279 |
| Pre-tax net operating income | $724,000 | 3,130 |
| Securities gains (losses) | $-1,176,000 | 7,475 |
| Applicable income taxes | $-325,000 | 7,275 |
| Income before extraordinary items | $-127,000 | 6,544 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-127,000 | 6,544 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-127,000 | 6,544 |
| Net charge-offs | $5,000 | 5,553 |
| Cash dividends | $490,000 | 1,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $625,640 | 3,028 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $4,026,000 | 1,789 |
| Total interest expense | $1,825,000 | 927 |
| Net interest income | $2,201,000 | 2,506 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $197,000 | 3,623 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $62,000 | 3,939 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $135,000 | 3,081 |
| Total noninterest expense | $2,043,000 | 2,374 |
| Salaries and employee benefits | $989,000 | 2,458 |
| Premises and equipment expense | $244,000 | 2,540 |
| Additional noninterest expense | $810,000 | 2,077 |
| Pre-tax net operating income | $355,000 | 3,217 |
| Securities gains (losses) | $-82,000 | 7,379 |
| Applicable income taxes | $7,000 | 3,925 |
| Income before extraordinary items | $266,000 | 3,460 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $266,000 | 3,457 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $266,000 | 3,458 |
| Net charge-offs | $5,000 | 4,645 |
| Cash dividends | $490,000 | 779 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $345,540 | 2,905 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $18,110,000 | 1,672 |
| Total interest expense | $10,756,000 | 755 |
| Net interest income | $7,354,000 | 2,949 |
| Provision for loan and lease losses | $205,000 | 5,302 |
| Total noninterest income | $884,000 | 3,451 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $275,000 | 3,814 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $609,000 | 2,888 |
| Total noninterest expense | $7,792,000 | 2,476 |
| Salaries and employee benefits | $3,958,000 | 2,420 |
| Premises and equipment expense | $883,000 | 2,745 |
| Additional noninterest expense | $2,951,000 | 2,320 |
| Pre-tax net operating income | $241,000 | 5,079 |
| Securities gains (losses) | $-2,619,000 | 7,585 |
| Applicable income taxes | $-1,151,000 | 7,346 |
| Income before extraordinary items | $-1,227,000 | 6,668 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,227,000 | 6,669 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,227,000 | 6,669 |
| Net charge-offs | $13,000 | 6,503 |
| Cash dividends | $500,000 | 2,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $449,160 | 4,321 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $13,863,000 | 1,674 |
| Total interest expense | $8,449,000 | 739 |
| Net interest income | $5,414,000 | 3,030 |
| Provision for loan and lease losses | $205,000 | 4,853 |
| Total noninterest income | $455,000 | 4,254 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $203,000 | 3,917 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $252,000 | 3,827 |
| Total noninterest expense | $5,865,000 | 2,472 |
| Salaries and employee benefits | $2,991,000 | 2,423 |
| Premises and equipment expense | $671,000 | 2,762 |
| Additional noninterest expense | $2,203,000 | 2,293 |
| Pre-tax net operating income | $-201,000 | 6,292 |
| Securities gains (losses) | $-410,000 | 7,579 |
| Applicable income taxes | $-465,000 | 7,356 |
| Income before extraordinary items | $-146,000 | 6,373 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-146,000 | 6,374 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-146,000 | 6,373 |
| Net charge-offs | $13,000 | 6,174 |
| Cash dividends | $500,000 | 1,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $116,400 | 5,504 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $9,668,000 | 1,639 |
| Total interest expense | $5,897,000 | 727 |
| Net interest income | $3,771,000 | 2,918 |
| Provision for loan and lease losses | $205,000 | 4,179 |
| Total noninterest income | $322,000 | 4,112 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $136,000 | 3,885 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $186,000 | 3,619 |
| Total noninterest expense | $3,959,000 | 2,450 |
| Salaries and employee benefits | $1,963,000 | 2,481 |
| Premises and equipment expense | $451,000 | 2,749 |
| Additional noninterest expense | $1,545,000 | 2,200 |
| Pre-tax net operating income | $-71,000 | 6,226 |
| Securities gains (losses) | $-411,000 | 7,675 |
| Applicable income taxes | $-335,000 | 7,417 |
| Income before extraordinary items | $-147,000 | 6,492 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-147,000 | 6,494 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-147,000 | 6,492 |
| Net charge-offs | $13,000 | 5,696 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $116,040 | 5,306 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $5,004,000 | 1,613 |
| Total interest expense | $3,210,000 | 706 |
| Net interest income | $1,794,000 | 3,081 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $7,000 | 7,507 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $72,000 | 3,776 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-65,000 | 7,696 |
| Total noninterest expense | $2,070,000 | 2,361 |
| Salaries and employee benefits | $1,032,000 | 2,397 |
| Premises and equipment expense | $234,000 | 2,730 |
| Additional noninterest expense | $804,000 | 2,113 |
| Pre-tax net operating income | $-269,000 | 6,932 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-177,000 | 7,539 |
| Income before extraordinary items | $-92,000 | 6,735 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-92,000 | 6,736 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-92,000 | 6,735 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-92,000 | 6,668 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $26,132,000 | 1,315 |
| Total interest expense | $17,826,000 | 640 |
| Net interest income | $8,306,000 | 2,633 |
| Provision for loan and lease losses | $850,000 | 3,761 |
| Total noninterest income | $971,000 | 3,396 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $283,000 | 3,992 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $688,000 | 2,692 |
| Total noninterest expense | $7,597,000 | 2,592 |
| Salaries and employee benefits | $3,689,000 | 2,648 |
| Premises and equipment expense | $901,000 | 2,822 |
| Additional noninterest expense | $3,007,000 | 2,340 |
| Pre-tax net operating income | $830,000 | 3,281 |
| Securities gains (losses) | $-977,000 | 7,709 |
| Applicable income taxes | $-460,000 | 7,006 |
| Income before extraordinary items | $313,000 | 4,424 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $313,000 | 4,425 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $313,000 | 4,426 |
| Net charge-offs | $1,424,000 | 2,436 |
| Cash dividends | $880,000 | 1,798 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $938,280 | 2,812 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $20,866,000 | 1,263 |
| Total interest expense | $13,954,000 | 649 |
| Net interest income | $6,912,000 | 2,355 |
| Provision for loan and lease losses | $850,000 | 3,019 |
| Total noninterest income | $801,000 | 3,254 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $202,000 | 4,105 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $599,000 | 2,526 |
| Total noninterest expense | $5,561,000 | 2,660 |
| Salaries and employee benefits | $2,707,000 | 2,723 |
| Premises and equipment expense | $687,000 | 2,813 |
| Additional noninterest expense | $2,167,000 | 2,394 |
| Pre-tax net operating income | $1,302,000 | 2,300 |
| Securities gains (losses) | $735,000 | 510 |
| Applicable income taxes | $369,000 | 1,716 |
| Income before extraordinary items | $1,668,000 | 1,607 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,668,000 | 1,605 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,668,000 | 1,607 |
| Net charge-offs | $63,000 | 5,499 |
| Cash dividends | $770,000 | 1,537 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,065,300 | 2,328 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $14,439,000 | 1,242 |
| Total interest expense | $9,678,000 | 668 |
| Net interest income | $4,761,000 | 2,300 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $616,000 | 2,995 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $133,000 | 4,108 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $483,000 | 2,272 |
| Total noninterest expense | $3,632,000 | 2,738 |
| Salaries and employee benefits | $1,718,000 | 2,884 |
| Premises and equipment expense | $482,000 | 2,730 |
| Additional noninterest expense | $1,432,000 | 2,441 |
| Pre-tax net operating income | $1,745,000 | 1,317 |
| Securities gains (losses) | $880,000 | 323 |
| Applicable income taxes | $654,000 | 868 |
| Income before extraordinary items | $1,971,000 | 967 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,971,000 | 967 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,971,000 | 967 |
| Net charge-offs | $64,000 | 4,699 |
| Cash dividends | $660,000 | 1,320 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $1,311,000 | 1,400 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $7,731,000 | 1,176 |
| Total interest expense | $5,085,000 | 659 |
| Net interest income | $2,646,000 | 2,065 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $269,000 | 3,225 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $65,000 | 4,118 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $204,000 | 2,489 |
| Total noninterest expense | $1,826,000 | 2,639 |
| Salaries and employee benefits | $1,039,000 | 2,464 |
| Premises and equipment expense | $252,000 | 2,661 |
| Additional noninterest expense | $535,000 | 2,835 |
| Pre-tax net operating income | $1,089,000 | 1,180 |
| Securities gains (losses) | $506,000 | 331 |
| Applicable income taxes | $312,000 | 1,023 |
| Income before extraordinary items | $1,283,000 | 814 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,283,000 | 815 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $1,283,000 | 816 |
| Net charge-offs | $-1,000 | 7,151 |
| Cash dividends | $330,000 | 1,277 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $878,200 | 1,178 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $32,670,000 | 1,172 |
| Total interest expense | $22,174,000 | 718 |
| Net interest income | $10,496,000 | 2,113 |
| Provision for loan and lease losses | $180,000 | 5,334 |
| Total noninterest income | $838,000 | 3,773 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $264,000 | 4,246 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $574,000 | 2,959 |
| Total noninterest expense | $6,314,000 | 2,933 |
| Salaries and employee benefits | $4,131,000 | 2,444 |
| Premises and equipment expense | $797,000 | 3,192 |
| Additional noninterest expense | $1,386,000 | 3,836 |
| Pre-tax net operating income | $4,840,000 | 1,132 |
| Securities gains (losses) | $-14,999,000 | 8,205 |
| Applicable income taxes | $-3,754,000 | 8,054 |
| Income before extraordinary items | $-6,405,000 | 7,888 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-6,405,000 | 7,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $330,000 | 3,395 |
| Cash dividends | $1,854,000 | 1,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $3,194,360 | 1,372 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $24,531,000 | 1,195 |
| Total interest expense | $16,680,000 | 746 |
| Net interest income | $7,851,000 | 2,137 |
| Provision for loan and lease losses | $180,000 | 4,348 |
| Total noninterest income | $746,000 | 3,502 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $189,000 | 4,364 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $557,000 | 2,640 |
| Total noninterest expense | $4,495,000 | 3,056 |
| Salaries and employee benefits | $3,072,000 | 2,486 |
| Premises and equipment expense | $586,000 | 3,256 |
| Additional noninterest expense | $837,000 | 4,431 |
| Pre-tax net operating income | $3,922,000 | 1,270 |
| Securities gains (losses) | $-4,489,000 | 8,198 |
| Applicable income taxes | $-356,000 | 7,797 |
| Income before extraordinary items | $-211,000 | 6,918 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-211,000 | 6,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $321,000 | 2,477 |
| Cash dividends | $1,524,000 | 1,285 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,661,960 | 1,462 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $16,083,000 | 1,239 |
| Total interest expense | $11,017,000 | 776 |
| Net interest income | $5,066,000 | 2,189 |
| Provision for loan and lease losses | $180,000 | 3,306 |
| Total noninterest income | $580,000 | 3,199 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $125,000 | 4,395 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $455,000 | 2,391 |
| Total noninterest expense | $2,910,000 | 3,148 |
| Salaries and employee benefits | $2,045,000 | 2,521 |
| Premises and equipment expense | $378,000 | 3,358 |
| Additional noninterest expense | $487,000 | 4,810 |
| Pre-tax net operating income | $2,556,000 | 1,355 |
| Securities gains (losses) | $-2,843,000 | 8,402 |
| Applicable income taxes | $-124,000 | 7,895 |
| Income before extraordinary items | $-163,000 | 7,352 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-163,000 | 7,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $321,000 | 1,736 |
| Cash dividends | $1,194,000 | 1,225 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,656,520 | 1,606 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,647,000 | 1,338 |
| Total interest expense | $5,243,000 | 870 |
| Net interest income | $2,404,000 | 2,282 |
| Provision for loan and lease losses | $90,000 | 2,858 |
| Total noninterest income | $323,000 | 2,982 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $63,000 | 4,343 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $260,000 | 2,156 |
| Total noninterest expense | $1,708,000 | 2,730 |
| Salaries and employee benefits | $1,001,000 | 2,582 |
| Premises and equipment expense | $197,000 | 3,281 |
| Additional noninterest expense | $510,000 | 2,675 |
| Pre-tax net operating income | $929,000 | 1,910 |
| Securities gains (losses) | $-47,000 | 8,399 |
| Applicable income taxes | $163,000 | 2,224 |
| Income before extraordinary items | $719,000 | 1,987 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $719,000 | 1,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $317,000 | 939 |
| Cash dividends | $330,000 | 1,781 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $757,540 | 1,836 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $32,498,000 | 1,310 |
| Total interest expense | $21,939,000 | 898 |
| Net interest income | $10,559,000 | 2,142 |
| Provision for loan and lease losses | $225,000 | 3,682 |
| Total noninterest income | $674,000 | 4,387 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $276,000 | 4,259 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $398,000 | 3,744 |
| Total noninterest expense | $6,131,000 | 2,909 |
| Salaries and employee benefits | $3,797,000 | 2,614 |
| Premises and equipment expense | $635,000 | 3,689 |
| Additional noninterest expense | $1,699,000 | 3,084 |
| Pre-tax net operating income | $4,877,000 | 1,676 |
| Securities gains (losses) | $-5,000 | 7,390 |
| Applicable income taxes | $1,109,000 | 1,736 |
| Income before extraordinary items | $3,763,000 | 1,685 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,763,000 | 1,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,709 |
| Cash dividends | $1,320,000 | 2,204 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,766,850 | 1,665 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $24,169,000 | 1,326 |
| Total interest expense | $16,327,000 | 902 |
| Net interest income | $7,842,000 | 2,173 |
| Provision for loan and lease losses | $150,000 | 3,464 |
| Total noninterest income | $547,000 | 4,206 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $210,000 | 4,239 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $337,000 | 3,534 |
| Total noninterest expense | $4,585,000 | 2,899 |
| Salaries and employee benefits | $2,830,000 | 2,614 |
| Premises and equipment expense | $464,000 | 3,752 |
| Additional noninterest expense | $1,291,000 | 2,990 |
| Pre-tax net operating income | $3,654,000 | 1,793 |
| Securities gains (losses) | $-5,000 | 7,616 |
| Applicable income taxes | $830,000 | 1,860 |
| Income before extraordinary items | $2,819,000 | 1,787 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,819,000 | 1,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,441 |
| Cash dividends | $990,000 | 2,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,822,850 | 1,769 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $15,996,000 | 1,338 |
| Total interest expense | $10,848,000 | 916 |
| Net interest income | $5,148,000 | 2,238 |
| Provision for loan and lease losses | $150,000 | 2,579 |
| Total noninterest income | $368,000 | 4,212 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $145,000 | 4,154 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $223,000 | 3,576 |
| Total noninterest expense | $3,140,000 | 2,852 |
| Salaries and employee benefits | $1,926,000 | 2,600 |
| Premises and equipment expense | $322,000 | 3,666 |
| Additional noninterest expense | $892,000 | 2,905 |
| Pre-tax net operating income | $2,226,000 | 1,980 |
| Securities gains (losses) | $-6,000 | 7,884 |
| Applicable income taxes | $481,000 | 2,120 |
| Income before extraordinary items | $1,739,000 | 1,977 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,739,000 | 1,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,333 |
| Cash dividends | $660,000 | 2,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,743,680 | 1,956 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,010,000 | 1,331 |
| Total interest expense | $5,461,000 | 896 |
| Net interest income | $2,549,000 | 2,262 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $142,000 | 4,760 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $67,000 | 4,285 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $75,000 | 4,329 |
| Total noninterest expense | $1,627,000 | 2,775 |
| Salaries and employee benefits | $950,000 | 2,669 |
| Premises and equipment expense | $167,000 | 3,593 |
| Additional noninterest expense | $510,000 | 2,576 |
| Pre-tax net operating income | $1,064,000 | 2,061 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $225,000 | 2,240 |
| Income before extraordinary items | $839,000 | 1,981 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $839,000 | 1,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,195 |
| Cash dividends | $330,000 | 1,881 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $839,000 | 1,972 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $31,984,000 | 1,224 |
| Total interest expense | $21,261,000 | 789 |
| Net interest income | $10,723,000 | 2,158 |
| Provision for loan and lease losses | $221,000 | 3,340 |
| Total noninterest income | $595,000 | 4,753 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $247,000 | 4,534 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $348,000 | 4,006 |
| Total noninterest expense | $6,130,000 | 2,826 |
| Salaries and employee benefits | $3,853,000 | 2,523 |
| Premises and equipment expense | $572,000 | 3,898 |
| Additional noninterest expense | $1,705,000 | 2,955 |
| Pre-tax net operating income | $4,967,000 | 1,891 |
| Securities gains (losses) | $824,000 | 189 |
| Applicable income taxes | $1,439,000 | 1,732 |
| Income before extraordinary items | $4,352,000 | 1,660 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,352,000 | 1,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,976 |
| Cash dividends | $1,320,000 | 2,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,734,000 | 1,885 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $23,434,000 | 1,257 |
| Total interest expense | $15,694,000 | 777 |
| Net interest income | $7,740,000 | 2,254 |
| Provision for loan and lease losses | $65,000 | 4,757 |
| Total noninterest income | $449,000 | 4,760 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $182,000 | 4,600 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $267,000 | 3,972 |
| Total noninterest expense | $4,582,000 | 2,825 |
| Salaries and employee benefits | $2,894,000 | 2,513 |
| Premises and equipment expense | $438,000 | 3,854 |
| Additional noninterest expense | $1,250,000 | 3,012 |
| Pre-tax net operating income | $3,542,000 | 2,038 |
| Securities gains (losses) | $-40,000 | 8,101 |
| Applicable income taxes | $798,000 | 2,204 |
| Income before extraordinary items | $2,704,000 | 2,006 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,704,000 | 2,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,088 |
| Cash dividends | $990,000 | 1,956 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,734,800 | 1,982 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $15,232,000 | 1,265 |
| Total interest expense | $10,098,000 | 771 |
| Net interest income | $5,134,000 | 2,278 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $272,000 | 4,966 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $120,000 | 4,594 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $152,000 | 4,291 |
| Total noninterest expense | $3,117,000 | 2,798 |
| Salaries and employee benefits | $1,937,000 | 2,510 |
| Premises and equipment expense | $299,000 | 3,777 |
| Additional noninterest expense | $881,000 | 2,875 |
| Pre-tax net operating income | $2,289,000 | 2,094 |
| Securities gains (losses) | $-40,000 | 8,308 |
| Applicable income taxes | $506,000 | 2,288 |
| Income before extraordinary items | $1,743,000 | 2,067 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,743,000 | 2,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $660,000 | 1,968 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,774,200 | 2,024 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,347,000 | 1,288 |
| Total interest expense | $4,867,000 | 757 |
| Net interest income | $2,480,000 | 2,344 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $116,000 | 5,287 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $61,000 | 4,498 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $55,000 | 4,927 |
| Total noninterest expense | $1,544,000 | 2,811 |
| Salaries and employee benefits | $974,000 | 2,505 |
| Premises and equipment expense | $150,000 | 3,796 |
| Additional noninterest expense | $420,000 | 2,987 |
| Pre-tax net operating income | $1,052,000 | 2,195 |
| Securities gains (losses) | $-40,000 | 8,523 |
| Applicable income taxes | $215,000 | 2,504 |
| Income before extraordinary items | $797,000 | 2,192 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $797,000 | 2,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $330,000 | 1,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $828,600 | 2,106 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $28,569,000 | 1,160 |
| Total interest expense | $17,445,000 | 656 |
| Net interest income | $11,124,000 | 1,995 |
| Provision for loan and lease losses | $130,000 | 4,334 |
| Total noninterest income | $710,000 | 4,336 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $250,000 | 4,578 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $460,000 | 3,521 |
| Total noninterest expense | $6,781,000 | 2,464 |
| Salaries and employee benefits | $3,749,000 | 2,434 |
| Premises and equipment expense | $600,000 | 3,653 |
| Additional noninterest expense | $2,432,000 | 2,062 |
| Pre-tax net operating income | $4,923,000 | 1,888 |
| Securities gains (losses) | $-15,000 | 7,693 |
| Applicable income taxes | $1,202,000 | 2,010 |
| Income before extraordinary items | $3,706,000 | 1,857 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,706,000 | 1,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $1,320,000 | 2,007 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,717,400 | 1,833 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $21,349,000 | 1,126 |
| Total interest expense | $12,744,000 | 632 |
| Net interest income | $8,605,000 | 1,908 |
| Provision for loan and lease losses | $65,000 | 4,879 |
| Total noninterest income | $566,000 | 4,196 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $185,000 | 4,627 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $381,000 | 3,363 |
| Total noninterest expense | $5,098,000 | 2,433 |
| Salaries and employee benefits | $2,780,000 | 2,424 |
| Premises and equipment expense | $454,000 | 3,629 |
| Additional noninterest expense | $1,864,000 | 1,991 |
| Pre-tax net operating income | $4,008,000 | 1,760 |
| Securities gains (losses) | $-15,000 | 8,058 |
| Applicable income taxes | $1,020,000 | 1,850 |
| Income before extraordinary items | $2,973,000 | 1,767 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,973,000 | 1,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $990,000 | 1,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,984,100 | 1,733 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $13,938,000 | 1,118 |
| Total interest expense | $8,173,000 | 615 |
| Net interest income | $5,765,000 | 1,883 |
| Provision for loan and lease losses | $65,000 | 4,019 |
| Total noninterest income | $366,000 | 4,255 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $127,000 | 4,525 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $239,000 | 3,442 |
| Total noninterest expense | $3,380,000 | 2,423 |
| Salaries and employee benefits | $1,832,000 | 2,436 |
| Premises and equipment expense | $306,000 | 3,565 |
| Additional noninterest expense | $1,242,000 | 1,976 |
| Pre-tax net operating income | $2,686,000 | 1,728 |
| Securities gains (losses) | $-15,000 | 8,274 |
| Applicable income taxes | $698,000 | 1,790 |
| Income before extraordinary items | $1,973,000 | 1,736 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,973,000 | 1,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $660,000 | 1,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,984,100 | 1,698 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,700,000 | 1,140 |
| Total interest expense | $3,864,000 | 620 |
| Net interest income | $2,836,000 | 1,896 |
| Provision for loan and lease losses | $65,000 | 2,741 |
| Total noninterest income | $191,000 | 4,090 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $66,000 | 4,389 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $125,000 | 3,316 |
| Total noninterest expense | $1,733,000 | 2,375 |
| Salaries and employee benefits | $878,000 | 2,553 |
| Premises and equipment expense | $166,000 | 3,360 |
| Additional noninterest expense | $689,000 | 1,793 |
| Pre-tax net operating income | $1,229,000 | 1,837 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $289,000 | 2,030 |
| Income before extraordinary items | $940,000 | 1,796 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $940,000 | 1,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $330,000 | 1,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $940,000 | 1,752 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $25,040,000 | 1,127 |
| Total interest expense | $14,546,000 | 568 |
| Net interest income | $10,494,000 | 1,937 |
| Provision for loan and lease losses | $195,000 | 3,736 |
| Total noninterest income | $836,000 | 3,935 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $300,000 | 4,312 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $536,000 | 3,190 |
| Total noninterest expense | $5,167,000 | 3,018 |
| Salaries and employee benefits | $3,448,000 | 2,528 |
| Premises and equipment expense | $579,000 | 3,632 |
| Additional noninterest expense | $1,140,000 | 3,907 |
| Pre-tax net operating income | $5,968,000 | 1,444 |
| Securities gains (losses) | $198,000 | 834 |
| Applicable income taxes | $1,679,000 | 1,471 |
| Income before extraordinary items | $4,487,000 | 1,437 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,487,000 | 1,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,326 |
| Cash dividends | $1,320,000 | 1,898 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,342,460 | 1,431 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $18,469,000 | 1,134 |
| Total interest expense | $10,789,000 | 563 |
| Net interest income | $7,680,000 | 1,962 |
| Provision for loan and lease losses | $195,000 | 3,028 |
| Total noninterest income | $595,000 | 4,107 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $228,000 | 4,313 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $367,000 | 3,356 |
| Total noninterest expense | $3,608,000 | 3,207 |
| Salaries and employee benefits | $2,575,000 | 2,503 |
| Premises and equipment expense | $455,000 | 3,518 |
| Additional noninterest expense | $578,000 | 5,164 |
| Pre-tax net operating income | $4,472,000 | 1,454 |
| Securities gains (losses) | $211,000 | 742 |
| Applicable income taxes | $1,303,000 | 1,450 |
| Income before extraordinary items | $3,380,000 | 1,460 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,380,000 | 1,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,626 |
| Cash dividends | $990,000 | 1,744 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,228,080 | 1,467 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $12,175,000 | 1,135 |
| Total interest expense | $7,031,000 | 564 |
| Net interest income | $5,144,000 | 1,934 |
| Provision for loan and lease losses | $195,000 | 2,252 |
| Total noninterest income | $462,000 | 3,757 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $157,000 | 4,225 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $305,000 | 2,958 |
| Total noninterest expense | $2,928,000 | 2,681 |
| Salaries and employee benefits | $1,731,000 | 2,487 |
| Premises and equipment expense | $321,000 | 3,363 |
| Additional noninterest expense | $876,000 | 2,688 |
| Pre-tax net operating income | $2,483,000 | 1,688 |
| Securities gains (losses) | $671,000 | 289 |
| Applicable income taxes | $913,000 | 1,375 |
| Income before extraordinary items | $2,241,000 | 1,440 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,241,000 | 1,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,984 |
| Cash dividends | $660,000 | 1,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,764,590 | 1,740 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,129,000 | 1,135 |
| Total interest expense | $3,528,000 | 576 |
| Net interest income | $2,601,000 | 1,918 |
| Provision for loan and lease losses | $65,000 | 2,836 |
| Total noninterest income | $277,000 | 3,285 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $73,000 | 4,329 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $204,000 | 2,451 |
| Total noninterest expense | $1,625,000 | 2,456 |
| Salaries and employee benefits | $837,000 | 2,582 |
| Premises and equipment expense | $164,000 | 3,328 |
| Additional noninterest expense | $624,000 | 1,891 |
| Pre-tax net operating income | $1,188,000 | 1,740 |
| Securities gains (losses) | $551,000 | 246 |
| Applicable income taxes | $562,000 | 1,193 |
| Income before extraordinary items | $1,177,000 | 1,363 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,177,000 | 1,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $330,000 | 1,624 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $802,320 | 1,868 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $25,285,000 | 1,129 |
| Total interest expense | $15,219,000 | 588 |
| Net interest income | $10,066,000 | 1,942 |
| Provision for loan and lease losses | $65,000 | 5,903 |
| Total noninterest income | $1,255,000 | 3,208 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $246,000 | 4,789 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,009,000 | 2,371 |
| Total noninterest expense | $5,284,000 | 2,925 |
| Salaries and employee benefits | $3,263,000 | 2,564 |
| Premises and equipment expense | $638,000 | 3,352 |
| Additional noninterest expense | $1,383,000 | 3,316 |
| Pre-tax net operating income | $5,972,000 | 1,382 |
| Securities gains (losses) | $-868,000 | 9,145 |
| Applicable income taxes | $1,137,000 | 2,001 |
| Income before extraordinary items | $3,967,000 | 1,574 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,967,000 | 1,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,174 |
| Cash dividends | $1,320,000 | 1,917 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,644,040 | 1,299 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $18,984,000 | 1,146 |
| Total interest expense | $11,568,000 | 610 |
| Net interest income | $7,416,000 | 1,986 |
| Provision for loan and lease losses | $65,000 | 5,417 |
| Total noninterest income | $783,000 | 3,694 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $166,000 | 5,065 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $617,000 | 2,797 |
| Total noninterest expense | $3,704,000 | 3,072 |
| Salaries and employee benefits | $2,403,000 | 2,619 |
| Premises and equipment expense | $498,000 | 3,230 |
| Additional noninterest expense | $803,000 | 4,048 |
| Pre-tax net operating income | $4,430,000 | 1,450 |
| Securities gains (losses) | $-873,000 | 9,203 |
| Applicable income taxes | $740,000 | 2,316 |
| Income before extraordinary items | $2,817,000 | 1,711 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,817,000 | 1,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,021 |
| Cash dividends | $990,000 | 1,774 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,506,670 | 1,338 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $12,716,000 | 1,146 |
| Total interest expense | $7,751,000 | 628 |
| Net interest income | $4,965,000 | 1,964 |
| Provision for loan and lease losses | $65,000 | 4,607 |
| Total noninterest income | $704,000 | 3,003 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $112,000 | 4,996 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $592,000 | 2,206 |
| Total noninterest expense | $2,143,000 | 3,478 |
| Salaries and employee benefits | $1,601,000 | 2,625 |
| Premises and equipment expense | $338,000 | 3,173 |
| Additional noninterest expense | $204,000 | 7,091 |
| Pre-tax net operating income | $3,461,000 | 1,234 |
| Securities gains (losses) | $-873,000 | 9,246 |
| Applicable income taxes | $552,000 | 2,174 |
| Income before extraordinary items | $2,036,000 | 1,596 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,036,000 | 1,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,181 |
| Cash dividends | $660,000 | 1,780 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,725,670 | 1,132 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,453,000 | 1,140 |
| Total interest expense | $3,957,000 | 626 |
| Net interest income | $2,496,000 | 1,958 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $488,000 | 2,321 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $59,000 | 4,806 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $429,000 | 1,658 |
| Total noninterest expense | $1,553,000 | 2,491 |
| Salaries and employee benefits | $745,000 | 2,793 |
| Premises and equipment expense | $182,000 | 2,985 |
| Additional noninterest expense | $626,000 | 1,874 |
| Pre-tax net operating income | $1,431,000 | 1,486 |
| Securities gains (losses) | $2,000 | 2,590 |
| Applicable income taxes | $317,000 | 1,976 |
| Income before extraordinary items | $1,116,000 | 1,465 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,116,000 | 1,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $330,000 | 1,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,114,440 | 1,374 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $28,701,000 | 1,074 |
| Total interest expense | $19,405,000 | 592 |
| Net interest income | $9,296,000 | 2,084 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $1,326,000 | 2,862 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $245,000 | 4,747 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,081,000 | 2,066 |
| Total noninterest expense | $5,342,000 | 2,756 |
| Salaries and employee benefits | $2,934,000 | 2,684 |
| Premises and equipment expense | $642,000 | 3,216 |
| Additional noninterest expense | $1,766,000 | 2,582 |
| Pre-tax net operating income | $5,280,000 | 1,552 |
| Securities gains (losses) | $-1,326,000 | 9,315 |
| Applicable income taxes | $699,000 | 2,849 |
| Income before extraordinary items | $3,255,000 | 1,840 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,255,000 | 1,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,852 |
| Cash dividends | $1,065,000 | 2,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,342,320 | 1,380 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $33,331,000 | 1,025 |
| Total interest expense | $23,943,000 | 698 |
| Net interest income | $9,388,000 | 1,899 |
| Provision for loan and lease losses | $360,000 | 2,816 |
| Total noninterest income | $543,000 | 4,832 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $243,000 | 4,718 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $300,000 | 4,124 |
| Total noninterest expense | $5,394,000 | 2,620 |
| Salaries and employee benefits | $2,559,000 | 2,890 |
| Premises and equipment expense | $655,000 | 3,114 |
| Additional noninterest expense | $2,180,000 | 2,064 |
| Pre-tax net operating income | $4,177,000 | 1,696 |
| Securities gains (losses) | $858,000 | 435 |
| Applicable income taxes | $1,247,000 | 1,759 |
| Income before extraordinary items | $3,788,000 | 1,430 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,788,000 | 1,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,917 |
| Cash dividends | $1,260,000 | 1,894 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,144,500 | 1,604 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $31,237,000 | 1,126 |
| Total interest expense | $22,261,000 | 819 |
| Net interest income | $8,976,000 | 1,967 |
| Provision for loan and lease losses | $480,000 | 1,938 |
| Total noninterest income | $325,000 | 6,087 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $138,000 | 5,937 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $187,000 | 4,940 |
| Total noninterest expense | $4,608,000 | 2,933 |
| Salaries and employee benefits | $2,354,000 | 2,995 |
| Premises and equipment expense | $759,000 | 2,695 |
| Additional noninterest expense | $1,495,000 | 2,833 |
| Pre-tax net operating income | $4,213,000 | 1,738 |
| Securities gains (losses) | $110,000 | 544 |
| Applicable income taxes | $1,164,000 | 1,865 |
| Income before extraordinary items | $3,159,000 | 1,662 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,159,000 | 1,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,198 |
| Cash dividends | $400,000 | 3,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,078,700 | 1,696 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $26,153,000 | 1,244 |
| Total interest expense | $17,902,000 | 883 |
| Net interest income | $8,251,000 | 2,128 |
| Provision for loan and lease losses | $470,000 | 1,859 |
| Total noninterest income | $438,000 | 5,354 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $149,000 | 5,863 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $289,000 | 4,099 |
| Total noninterest expense | $4,324,000 | 3,082 |
| Salaries and employee benefits | $1,970,000 | 3,488 |
| Premises and equipment expense | $509,000 | 3,715 |
| Additional noninterest expense | $1,845,000 | 2,361 |
| Pre-tax net operating income | $3,895,000 | 1,887 |
| Securities gains (losses) | $80,000 | 818 |
| Applicable income taxes | $1,158,000 | 1,979 |
| Income before extraordinary items | $2,817,000 | 1,883 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,817,000 | 1,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $290,000 | 1,865 |
| Cash dividends | $300,000 | 4,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,760,200 | 1,898 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $23,193,000 | 1,391 |
| Total interest expense | $15,791,000 | 1,004 |
| Net interest income | $7,402,000 | 2,306 |
| Provision for loan and lease losses | $390,000 | 2,106 |
| Total noninterest income | $525,000 | 4,805 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $149,000 | 5,953 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $376,000 | 3,556 |
| Total noninterest expense | $3,901,000 | 3,282 |
| Salaries and employee benefits | $1,971,000 | 3,391 |
| Premises and equipment expense | $560,000 | 3,380 |
| Additional noninterest expense | $1,370,000 | 3,003 |
| Pre-tax net operating income | $3,636,000 | 1,991 |
| Securities gains (losses) | $422,000 | 621 |
| Applicable income taxes | $1,463,000 | 1,669 |
| Income before extraordinary items | $2,595,000 | 2,017 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,595,000 | 2,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,101 |
| Cash dividends | $300,000 | 4,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,324,920 | 2,167 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $19,239,000 | 1,719 |
| Total interest expense | $12,492,000 | 1,277 |
| Net interest income | $6,747,000 | 2,576 |
| Provision for loan and lease losses | $350,000 | 2,319 |
| Total noninterest income | $500,000 | 4,998 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $125,000 | 6,662 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $375,000 | 3,427 |
| Total noninterest expense | $3,676,000 | 3,443 |
| Salaries and employee benefits | $1,661,000 | 3,905 |
| Premises and equipment expense | $526,000 | 3,548 |
| Additional noninterest expense | $1,489,000 | 2,755 |
| Pre-tax net operating income | $3,221,000 | 2,330 |
| Securities gains (losses) | $874,000 | 308 |
| Applicable income taxes | $1,363,000 | 1,859 |
| Income before extraordinary items | $2,732,000 | 1,927 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,732,000 | 1,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,640 |
| Cash dividends | $300,000 | 4,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,146,420 | 2,364 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,125,000 | 2,362 |
| Total interest expense | $8,712,000 | 1,811 |
| Net interest income | $5,413,000 | 3,269 |
| Provision for loan and lease losses | $192,000 | 3,515 |
| Total noninterest income | $288,000 | 7,093 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $110,000 | 7,295 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $178,000 | 5,501 |
| Total noninterest expense | $3,731,000 | 3,558 |
| Salaries and employee benefits | $1,440,000 | 4,479 |
| Premises and equipment expense | $459,000 | 4,047 |
| Additional noninterest expense | $1,832,000 | 2,654 |
| Pre-tax net operating income | $1,778,000 | 3,772 |
| Securities gains (losses) | $176,000 | 738 |
| Applicable income taxes | $621,000 | 3,488 |
| Income before extraordinary items | $1,333,000 | 3,552 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,333,000 | 3,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $350,000 | 4,182 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,213,320 | 3,785 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $13,175,000 | 2,539 |
| Total interest expense | $8,714,000 | 1,815 |
| Net interest income | $4,461,000 | 3,935 |
| Provision for loan and lease losses | $106,000 | 4,474 |
| Total noninterest income | $354,000 | 6,436 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $102,000 | 7,748 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $252,000 | 4,459 |
| Total noninterest expense | $2,748,000 | 4,602 |
| Salaries and employee benefits | $1,386,000 | 4,603 |
| Premises and equipment expense | $382,000 | 4,716 |
| Additional noninterest expense | $980,000 | 4,426 |
| Pre-tax net operating income | $1,961,000 | 3,558 |
| Securities gains (losses) | $115,000 | 899 |
| Applicable income taxes | $675,000 | 3,342 |
| Income before extraordinary items | $1,401,000 | 3,463 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,401,000 | 3,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $300,000 | 4,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,323,950 | 3,597 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,901,000 | 2,789 |
| Total interest expense | $6,277,000 | 1,994 |
| Net interest income | $4,624,000 | 3,821 |
| Provision for loan and lease losses | $203,000 | 2,987 |
| Total noninterest income | $354,000 | 6,627 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $75,000 | 8,839 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $279,000 | 4,304 |
| Total noninterest expense | $2,563,000 | 5,040 |
| Salaries and employee benefits | $1,288,000 | 4,923 |
| Premises and equipment expense | $400,000 | 4,587 |
| Additional noninterest expense | $875,000 | 5,308 |
| Pre-tax net operating income | $2,212,000 | 3,165 |
| Securities gains (losses) | $-4,000 | 9,291 |
| Applicable income taxes | $794,000 | 2,781 |
| Income before extraordinary items | $1,414,000 | 3,337 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,414,000 | 3,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,238 |
| Cash dividends | $360,000 | 3,991 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,416,560 | 3,360 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,138,000 | 3,370 |
| Total interest expense | $5,469,000 | 2,367 |
| Net interest income | $3,669,000 | 4,761 |
| Provision for loan and lease losses | $245,000 | 3,439 |
| Total noninterest income | $1,206,000 | 2,896 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $67,000 | 9,435 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,139,000 | 1,868 |
| Total noninterest expense | $2,474,000 | 5,333 |
| Salaries and employee benefits | $1,140,000 | 5,475 |
| Premises and equipment expense | $386,000 | 4,858 |
| Additional noninterest expense | $948,000 | 5,157 |
| Pre-tax net operating income | $2,156,000 | 3,070 |
| Securities gains (losses) | $-193,000 | 13,216 |
| Applicable income taxes | $800,000 | 2,757 |
| Income before extraordinary items | $1,163,000 | 4,134 |
| Extraordinary gains, net | $74,000 | 1,859 |
| Net income | $1,237,000 | 4,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,951 |
| Cash dividends | $66,000 | 7,589 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,286,520 | 3,559 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,730,000 | 3,581 |
| Total interest expense | $6,562,000 | 2,574 |
| Net interest income | $3,168,000 | 5,459 |
| Provision for loan and lease losses | $108,000 | 7,079 |
| Total noninterest income | $737,000 | 4,237 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $737,000 | 2,434 |
| Total noninterest expense | $2,104,000 | 6,136 |
| Salaries and employee benefits | $907,000 | 6,579 |
| Premises and equipment expense | $322,000 | 5,692 |
| Additional noninterest expense | $875,000 | 5,653 |
| Pre-tax net operating income | $1,693,000 | 3,638 |
| Securities gains (losses) | $32,000 | 4,877 |
| Applicable income taxes | $610,000 | 3,389 |
| Income before extraordinary items | $1,115,000 | 4,070 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,115,000 | 4,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 9,710 |
| Cash dividends | $32,000 | 8,174 |
| Sale, conversion, retirement of capital stock, net | $353,000 | 619 |
| Net operating income | $1,094,200 | 3,838 |
* 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.