Home > First State Bank > Income and Expense
First State Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $10,345,000 | 1,942 |
| Total interest expense | $1,435,000 | 2,298 |
| Net interest income | $8,910,000 | 1,864 |
| Provision for loan and lease losses | $543,000 | 2,175 |
| Total noninterest income | $904,000 | 2,973 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $527,000 | 1,913 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $377,000 | 3,355 |
| Total noninterest expense | $7,271,000 | 1,962 |
| Salaries and employee benefits | $3,717,000 | 2,026 |
| Premises and equipment expense | $888,000 | 1,988 |
| Additional noninterest expense | $2,666,000 | 1,867 |
| Pre-tax net operating income | $2,000,000 | 2,360 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $2,000,000 | 2,103 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,000,000 | 2,103 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,000,000 | 2,104 |
| Net charge-offs | $43,000 | 4,621 |
| Cash dividends | $734,000 | 1,629 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $2,000,000 | 1,983 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $6,922,000 | 1,941 |
| Total interest expense | $952,000 | 2,391 |
| Net interest income | $5,970,000 | 1,854 |
| Provision for loan and lease losses | $362,000 | 2,195 |
| Total noninterest income | $579,000 | 2,986 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $346,000 | 1,929 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $233,000 | 3,450 |
| Total noninterest expense | $4,225,000 | 2,267 |
| Salaries and employee benefits | $2,436,000 | 2,055 |
| Premises and equipment expense | $534,000 | 2,161 |
| Additional noninterest expense | $1,255,000 | 2,573 |
| Pre-tax net operating income | $1,962,000 | 1,707 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $1,962,000 | 1,512 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,962,000 | 1,511 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,962,000 | 1,512 |
| Net charge-offs | $0 | 5,507 |
| Cash dividends | $719,000 | 1,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $1,962,000 | 1,421 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,503,000 | 1,939 |
| Total interest expense | $513,000 | 2,312 |
| Net interest income | $2,990,000 | 1,864 |
| Provision for loan and lease losses | $182,000 | 2,111 |
| Total noninterest income | $288,000 | 3,004 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $178,000 | 1,864 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $110,000 | 3,556 |
| Total noninterest expense | $2,094,000 | 2,281 |
| Salaries and employee benefits | $1,228,000 | 2,046 |
| Premises and equipment expense | $272,000 | 2,130 |
| Additional noninterest expense | $594,000 | 2,683 |
| Pre-tax net operating income | $1,002,000 | 1,675 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $1,002,000 | 1,456 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,002,000 | 1,456 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,002,000 | 1,457 |
| Net charge-offs | $-8,000 | 6,564 |
| Cash dividends | $360,000 | 1,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $1,002,000 | 1,376 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $14,797,000 | 1,903 |
| Total interest expense | $2,527,000 | 2,287 |
| Net interest income | $12,270,000 | 1,816 |
| Provision for loan and lease losses | $731,000 | 2,876 |
| Total noninterest income | $1,425,000 | 2,536 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $820,000 | 1,752 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $605,000 | 2,846 |
| Total noninterest expense | $8,460,000 | 2,251 |
| Salaries and employee benefits | $4,838,000 | 1,999 |
| Premises and equipment expense | $989,000 | 2,431 |
| Additional noninterest expense | $2,633,000 | 2,492 |
| Pre-tax net operating income | $4,504,000 | 1,294 |
| Securities gains (losses) | $8,000 | 3,400 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $4,512,000 | 1,106 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,512,000 | 1,106 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $4,512,000 | 1,106 |
| Net charge-offs | $405,000 | 3,425 |
| Cash dividends | $2,007,000 | 945 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $4,504,000 | 1,052 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $11,133,000 | 1,920 |
| Total interest expense | $1,941,000 | 2,328 |
| Net interest income | $9,192,000 | 1,824 |
| Provision for loan and lease losses | $543,000 | 2,757 |
| Total noninterest income | $1,081,000 | 2,505 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $629,000 | 1,725 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $452,000 | 2,846 |
| Total noninterest expense | $6,403,000 | 2,236 |
| Salaries and employee benefits | $3,771,000 | 1,927 |
| Premises and equipment expense | $722,000 | 2,507 |
| Additional noninterest expense | $1,910,000 | 2,564 |
| Pre-tax net operating income | $3,327,000 | 1,355 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $3,327,000 | 1,145 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,327,000 | 1,145 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $3,327,000 | 1,145 |
| Net charge-offs | $404,000 | 2,900 |
| Cash dividends | $1,348,000 | 916 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $3,327,000 | 1,094 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,427,000 | 1,936 |
| Total interest expense | $1,308,000 | 2,395 |
| Net interest income | $6,119,000 | 1,826 |
| Provision for loan and lease losses | $363,000 | 2,718 |
| Total noninterest income | $648,000 | 2,671 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $414,000 | 1,720 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $234,000 | 3,244 |
| Total noninterest expense | $4,247,000 | 2,260 |
| Salaries and employee benefits | $2,511,000 | 1,938 |
| Premises and equipment expense | $475,000 | 2,555 |
| Additional noninterest expense | $1,261,000 | 2,623 |
| Pre-tax net operating income | $2,157,000 | 1,351 |
| Securities gains (losses) | $-8,000 | 7,053 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $2,149,000 | 1,156 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,149,000 | 1,156 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $2,149,000 | 1,156 |
| Net charge-offs | $6,000 | 5,501 |
| Cash dividends | $864,000 | 916 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $2,157,000 | 1,109 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,683,000 | 1,959 |
| Total interest expense | $667,000 | 2,419 |
| Net interest income | $3,016,000 | 1,842 |
| Provision for loan and lease losses | $183,000 | 2,545 |
| Total noninterest income | $333,000 | 2,642 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $207,000 | 1,701 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $126,000 | 3,187 |
| Total noninterest expense | $2,115,000 | 2,292 |
| Salaries and employee benefits | $1,258,000 | 1,952 |
| Premises and equipment expense | $237,000 | 2,597 |
| Additional noninterest expense | $620,000 | 2,656 |
| Pre-tax net operating income | $1,051,000 | 1,370 |
| Securities gains (losses) | $-8,000 | 7,147 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $1,043,000 | 1,176 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,043,000 | 1,176 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,043,000 | 1,176 |
| Net charge-offs | $-2,000 | 6,441 |
| Cash dividends | $358,000 | 996 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $1,051,000 | 1,139 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $14,723,000 | 2,044 |
| Total interest expense | $3,013,000 | 2,597 |
| Net interest income | $11,710,000 | 1,874 |
| Provision for loan and lease losses | $741,000 | 3,510 |
| Total noninterest income | $1,494,000 | 2,523 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,012,000 | 1,494 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $482,000 | 3,246 |
| Total noninterest expense | $8,458,000 | 2,287 |
| Salaries and employee benefits | $4,661,000 | 2,075 |
| Premises and equipment expense | $1,029,000 | 2,424 |
| Additional noninterest expense | $2,768,000 | 2,448 |
| Pre-tax net operating income | $4,005,000 | 1,257 |
| Securities gains (losses) | $-218,000 | 7,318 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $3,787,000 | 1,149 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,787,000 | 1,151 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $3,787,000 | 1,152 |
| Net charge-offs | $502,000 | 3,652 |
| Cash dividends | $2,046,000 | 798 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $4,005,000 | 1,035 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $10,984,000 | 2,098 |
| Total interest expense | $2,250,000 | 2,703 |
| Net interest income | $8,734,000 | 1,911 |
| Provision for loan and lease losses | $561,000 | 3,344 |
| Total noninterest income | $1,130,000 | 2,518 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $782,000 | 1,507 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $348,000 | 3,312 |
| Total noninterest expense | $6,335,000 | 2,288 |
| Salaries and employee benefits | $3,466,000 | 2,086 |
| Premises and equipment expense | $781,000 | 2,428 |
| Additional noninterest expense | $2,088,000 | 2,396 |
| Pre-tax net operating income | $2,968,000 | 1,345 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $2,968,000 | 1,145 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $2,968,000 | 1,149 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $2,968,000 | 1,149 |
| Net charge-offs | $144,000 | 4,534 |
| Cash dividends | $880,000 | 1,177 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $2,968,000 | 1,100 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,255,000 | 2,148 |
| Total interest expense | $1,500,000 | 2,793 |
| Net interest income | $5,755,000 | 1,939 |
| Provision for loan and lease losses | $381,000 | 3,257 |
| Total noninterest income | $778,000 | 2,412 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $547,000 | 1,433 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $231,000 | 3,260 |
| Total noninterest expense | $4,213,000 | 2,295 |
| Salaries and employee benefits | $2,362,000 | 2,053 |
| Premises and equipment expense | $525,000 | 2,427 |
| Additional noninterest expense | $1,326,000 | 2,499 |
| Pre-tax net operating income | $1,939,000 | 1,339 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $1,939,000 | 1,155 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,939,000 | 1,156 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,939,000 | 1,156 |
| Net charge-offs | $80,000 | 4,475 |
| Cash dividends | $330,000 | 1,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,939,000 | 1,105 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,517,000 | 2,285 |
| Total interest expense | $748,000 | 2,919 |
| Net interest income | $2,769,000 | 2,020 |
| Provision for loan and lease losses | $201,000 | 2,968 |
| Total noninterest income | $398,000 | 2,373 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $268,000 | 1,461 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $130,000 | 3,077 |
| Total noninterest expense | $2,088,000 | 2,337 |
| Salaries and employee benefits | $1,156,000 | 2,133 |
| Premises and equipment expense | $267,000 | 2,450 |
| Additional noninterest expense | $665,000 | 2,477 |
| Pre-tax net operating income | $878,000 | 1,492 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $878,000 | 1,243 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $878,000 | 1,246 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $878,000 | 1,245 |
| Net charge-offs | $33,000 | 4,071 |
| Cash dividends | $330,000 | 998 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $878,000 | 1,212 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $13,936,000 | 2,390 |
| Total interest expense | $3,569,000 | 3,005 |
| Net interest income | $10,367,000 | 2,119 |
| Provision for loan and lease losses | $601,000 | 4,249 |
| Total noninterest income | $1,746,000 | 2,328 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,220,000 | 1,415 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $526,000 | 3,124 |
| Total noninterest expense | $8,460,000 | 2,332 |
| Salaries and employee benefits | $4,567,000 | 2,152 |
| Premises and equipment expense | $1,121,000 | 2,347 |
| Additional noninterest expense | $2,772,000 | 2,517 |
| Pre-tax net operating income | $3,052,000 | 1,303 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $3,052,000 | 1,108 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,052,000 | 1,106 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $3,052,000 | 1,107 |
| Net charge-offs | $479,000 | 3,852 |
| Cash dividends | $1,452,000 | 1,225 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $3,052,000 | 1,097 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,380,000 | 2,444 |
| Total interest expense | $2,768,000 | 3,041 |
| Net interest income | $7,612,000 | 2,160 |
| Provision for loan and lease losses | $424,000 | 4,095 |
| Total noninterest income | $1,307,000 | 2,384 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $901,000 | 1,428 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $406,000 | 3,152 |
| Total noninterest expense | $6,329,000 | 2,337 |
| Salaries and employee benefits | $3,424,000 | 2,172 |
| Premises and equipment expense | $836,000 | 2,380 |
| Additional noninterest expense | $2,069,000 | 2,499 |
| Pre-tax net operating income | $2,166,000 | 1,498 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $2,166,000 | 1,235 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $2,166,000 | 1,233 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $2,166,000 | 1,235 |
| Net charge-offs | $41,000 | 5,820 |
| Cash dividends | $880,000 | 1,407 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,166,000 | 1,216 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,947,000 | 2,474 |
| Total interest expense | $1,897,000 | 3,089 |
| Net interest income | $5,050,000 | 2,166 |
| Provision for loan and lease losses | $241,000 | 4,063 |
| Total noninterest income | $783,000 | 2,553 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $540,000 | 1,547 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $243,000 | 3,350 |
| Total noninterest expense | $4,250,000 | 2,351 |
| Salaries and employee benefits | $2,283,000 | 2,208 |
| Premises and equipment expense | $560,000 | 2,393 |
| Additional noninterest expense | $1,407,000 | 2,474 |
| Pre-tax net operating income | $1,342,000 | 1,677 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $1,342,000 | 1,405 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,342,000 | 1,403 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,342,000 | 1,404 |
| Net charge-offs | $42,000 | 5,063 |
| Cash dividends | $550,000 | 1,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $1,342,000 | 1,366 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,509,000 | 2,467 |
| Total interest expense | $942,000 | 3,212 |
| Net interest income | $2,567,000 | 2,135 |
| Provision for loan and lease losses | $135,000 | 3,447 |
| Total noninterest income | $368,000 | 2,658 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $241,000 | 1,673 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $127,000 | 3,246 |
| Total noninterest expense | $2,061,000 | 2,356 |
| Salaries and employee benefits | $1,150,000 | 2,216 |
| Premises and equipment expense | $275,000 | 2,481 |
| Additional noninterest expense | $636,000 | 2,436 |
| Pre-tax net operating income | $739,000 | 1,724 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $739,000 | 1,471 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $739,000 | 1,473 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $739,000 | 1,473 |
| Net charge-offs | $-28,000 | 8,052 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $739,000 | 1,392 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,996,000 | 2,462 |
| Total interest expense | $4,647,000 | 3,163 |
| Net interest income | $10,349,000 | 2,148 |
| Provision for loan and lease losses | $420,000 | 4,065 |
| Total noninterest income | $1,582,000 | 2,526 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,204,000 | 1,484 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $378,000 | 3,682 |
| Total noninterest expense | $8,414,000 | 2,280 |
| Salaries and employee benefits | $4,626,000 | 2,194 |
| Premises and equipment expense | $1,184,000 | 2,275 |
| Additional noninterest expense | $2,604,000 | 2,264 |
| Pre-tax net operating income | $3,097,000 | 1,744 |
| Securities gains (losses) | $-25,000 | 7,108 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $3,072,000 | 1,329 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,072,000 | 1,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $702,000 | 2,363 |
| Cash dividends | $1,300,000 | 1,926 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $3,097,000 | 1,420 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,315,000 | 2,505 |
| Total interest expense | $3,573,000 | 3,198 |
| Net interest income | $7,742,000 | 2,167 |
| Provision for loan and lease losses | $315,000 | 3,467 |
| Total noninterest income | $1,199,000 | 2,584 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $909,000 | 1,491 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $290,000 | 3,743 |
| Total noninterest expense | $6,293,000 | 2,275 |
| Salaries and employee benefits | $3,499,000 | 2,205 |
| Premises and equipment expense | $860,000 | 2,345 |
| Additional noninterest expense | $1,934,000 | 2,224 |
| Pre-tax net operating income | $2,333,000 | 2,048 |
| Securities gains (losses) | $-13,000 | 7,359 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $2,320,000 | 1,569 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,320,000 | 1,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $326,000 | 2,457 |
| Cash dividends | $1,002,000 | 1,786 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,333,000 | 1,641 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,633,000 | 2,514 |
| Total interest expense | $2,440,000 | 3,246 |
| Net interest income | $5,193,000 | 2,136 |
| Provision for loan and lease losses | $210,000 | 3,064 |
| Total noninterest income | $776,000 | 2,656 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $609,000 | 1,454 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $167,000 | 4,123 |
| Total noninterest expense | $4,181,000 | 2,283 |
| Salaries and employee benefits | $2,337,000 | 2,223 |
| Premises and equipment expense | $562,000 | 2,385 |
| Additional noninterest expense | $1,282,000 | 2,215 |
| Pre-tax net operating income | $1,578,000 | 2,096 |
| Securities gains (losses) | $-1,000 | 7,955 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $1,577,000 | 1,714 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,577,000 | 1,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 2,387 |
| Cash dividends | $673,000 | 1,911 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,578,000 | 1,683 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,899,000 | 2,524 |
| Total interest expense | $1,271,000 | 3,314 |
| Net interest income | $2,628,000 | 2,116 |
| Provision for loan and lease losses | $105,000 | 2,634 |
| Total noninterest income | $380,000 | 2,692 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $306,000 | 1,433 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $74,000 | 4,349 |
| Total noninterest expense | $2,112,000 | 2,261 |
| Salaries and employee benefits | $1,181,000 | 2,228 |
| Premises and equipment expense | $301,000 | 2,259 |
| Additional noninterest expense | $630,000 | 2,225 |
| Pre-tax net operating income | $791,000 | 2,178 |
| Securities gains (losses) | $3,000 | 2,367 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $794,000 | 1,824 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $794,000 | 1,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 1,345 |
| Cash dividends | $330,000 | 1,781 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $791,000 | 1,772 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $16,142,000 | 2,518 |
| Total interest expense | $5,521,000 | 3,208 |
| Net interest income | $10,621,000 | 2,131 |
| Provision for loan and lease losses | $420,000 | 2,620 |
| Total noninterest income | $1,730,000 | 2,453 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,330,000 | 1,349 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $400,000 | 3,734 |
| Total noninterest expense | $7,811,000 | 2,338 |
| Salaries and employee benefits | $4,438,000 | 2,266 |
| Premises and equipment expense | $1,040,000 | 2,478 |
| Additional noninterest expense | $2,333,000 | 2,318 |
| Pre-tax net operating income | $4,120,000 | 1,935 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $4,120,000 | 1,538 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,120,000 | 1,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,295 |
| Cash dividends | $2,212,000 | 1,499 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,120,000 | 1,527 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,967,000 | 2,546 |
| Total interest expense | $4,102,000 | 3,227 |
| Net interest income | $7,865,000 | 2,170 |
| Provision for loan and lease losses | $315,000 | 2,230 |
| Total noninterest income | $1,289,000 | 2,466 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $991,000 | 1,327 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $298,000 | 3,753 |
| Total noninterest expense | $5,746,000 | 2,366 |
| Salaries and employee benefits | $3,293,000 | 2,283 |
| Premises and equipment expense | $769,000 | 2,503 |
| Additional noninterest expense | $1,684,000 | 2,353 |
| Pre-tax net operating income | $3,093,000 | 2,049 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $3,093,000 | 1,632 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,093,000 | 1,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,346 |
| Cash dividends | $1,342,000 | 1,643 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,093,000 | 1,619 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,842,000 | 2,599 |
| Total interest expense | $2,669,000 | 3,278 |
| Net interest income | $5,173,000 | 2,218 |
| Provision for loan and lease losses | $210,000 | 2,072 |
| Total noninterest income | $863,000 | 2,454 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $655,000 | 1,345 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $208,000 | 3,702 |
| Total noninterest expense | $3,808,000 | 2,396 |
| Salaries and employee benefits | $2,209,000 | 2,306 |
| Premises and equipment expense | $509,000 | 2,541 |
| Additional noninterest expense | $1,090,000 | 2,427 |
| Pre-tax net operating income | $2,018,000 | 2,140 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $2,018,000 | 1,716 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,018,000 | 1,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,719 |
| Cash dividends | $836,000 | 1,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,018,000 | 1,694 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,876,000 | 2,620 |
| Total interest expense | $1,281,000 | 3,367 |
| Net interest income | $2,595,000 | 2,208 |
| Provision for loan and lease losses | $105,000 | 1,929 |
| Total noninterest income | $395,000 | 2,585 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $312,000 | 1,372 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $83,000 | 4,134 |
| Total noninterest expense | $1,890,000 | 2,421 |
| Salaries and employee benefits | $1,104,000 | 2,325 |
| Premises and equipment expense | $277,000 | 2,354 |
| Additional noninterest expense | $509,000 | 2,580 |
| Pre-tax net operating income | $995,000 | 2,174 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $995,000 | 1,721 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $995,000 | 1,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 2,785 |
| Cash dividends | $440,000 | 1,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $995,000 | 1,708 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,683,000 | 2,761 |
| Total interest expense | $4,271,000 | 3,427 |
| Net interest income | $9,412,000 | 2,418 |
| Provision for loan and lease losses | $369,000 | 2,418 |
| Total noninterest income | $1,984,000 | 2,241 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,466,000 | 1,212 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $518,000 | 3,271 |
| Total noninterest expense | $6,599,000 | 2,654 |
| Salaries and employee benefits | $4,023,000 | 2,434 |
| Premises and equipment expense | $910,000 | 2,691 |
| Additional noninterest expense | $1,666,000 | 3,017 |
| Pre-tax net operating income | $4,428,000 | 2,077 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $4,428,000 | 1,635 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,428,000 | 1,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 2,090 |
| Cash dividends | $1,807,000 | 1,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,428,000 | 1,621 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,977,000 | 2,795 |
| Total interest expense | $3,046,000 | 3,471 |
| Net interest income | $6,931,000 | 2,476 |
| Provision for loan and lease losses | $309,000 | 2,099 |
| Total noninterest income | $1,521,000 | 2,203 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,107,000 | 1,210 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $414,000 | 3,160 |
| Total noninterest expense | $4,720,000 | 2,763 |
| Salaries and employee benefits | $2,920,000 | 2,491 |
| Premises and equipment expense | $584,000 | 3,078 |
| Additional noninterest expense | $1,216,000 | 3,092 |
| Pre-tax net operating income | $3,423,000 | 2,104 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $3,423,000 | 1,621 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,423,000 | 1,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,425 |
| Cash dividends | $1,345,000 | 1,590 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,423,000 | 1,603 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,424,000 | 2,850 |
| Total interest expense | $1,935,000 | 3,474 |
| Net interest income | $4,489,000 | 2,547 |
| Provision for loan and lease losses | $249,000 | 1,780 |
| Total noninterest income | $1,091,000 | 2,084 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $729,000 | 1,219 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $362,000 | 2,701 |
| Total noninterest expense | $3,058,000 | 2,837 |
| Salaries and employee benefits | $1,928,000 | 2,521 |
| Premises and equipment expense | $352,000 | 3,312 |
| Additional noninterest expense | $778,000 | 3,211 |
| Pre-tax net operating income | $2,273,000 | 2,105 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $2,273,000 | 1,608 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,273,000 | 1,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 7,997 |
| Cash dividends | $817,000 | 1,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,273,000 | 1,597 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,068,000 | 2,908 |
| Total interest expense | $947,000 | 3,392 |
| Net interest income | $2,121,000 | 2,660 |
| Provision for loan and lease losses | $127,000 | 1,668 |
| Total noninterest income | $409,000 | 2,516 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $345,000 | 1,248 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $64,000 | 4,593 |
| Total noninterest expense | $1,450,000 | 2,967 |
| Salaries and employee benefits | $939,000 | 2,590 |
| Premises and equipment expense | $165,000 | 3,494 |
| Additional noninterest expense | $346,000 | 3,476 |
| Pre-tax net operating income | $953,000 | 2,360 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $953,000 | 1,877 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $953,000 | 1,876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 2,493 |
| Cash dividends | $432,000 | 1,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $953,000 | 1,858 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,418,000 | 3,049 |
| Total interest expense | $2,693,000 | 3,621 |
| Net interest income | $7,725,000 | 2,790 |
| Provision for loan and lease losses | $584,000 | 1,685 |
| Total noninterest income | $1,936,000 | 2,269 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,603,000 | 1,110 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $333,000 | 4,116 |
| Total noninterest expense | $5,603,000 | 2,923 |
| Salaries and employee benefits | $3,197,000 | 2,805 |
| Premises and equipment expense | $1,098,000 | 2,183 |
| Additional noninterest expense | $1,308,000 | 3,599 |
| Pre-tax net operating income | $3,474,000 | 2,471 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $3,474,000 | 1,972 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,474,000 | 1,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $607,000 | 985 |
| Cash dividends | $1,424,000 | 1,894 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,474,000 | 1,954 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,677,000 | 3,048 |
| Total interest expense | $1,888,000 | 3,660 |
| Net interest income | $5,789,000 | 2,774 |
| Provision for loan and lease losses | $436,000 | 1,604 |
| Total noninterest income | $1,353,000 | 2,380 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,171,000 | 1,129 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $182,000 | 4,812 |
| Total noninterest expense | $4,227,000 | 2,872 |
| Salaries and employee benefits | $2,407,000 | 2,762 |
| Premises and equipment expense | $988,000 | 1,823 |
| Additional noninterest expense | $832,000 | 4,061 |
| Pre-tax net operating income | $2,479,000 | 2,582 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $2,479,000 | 2,082 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,479,000 | 2,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $383,000 | 1,049 |
| Cash dividends | $1,073,000 | 1,696 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,479,000 | 2,048 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,964,000 | 3,058 |
| Total interest expense | $1,183,000 | 3,654 |
| Net interest income | $3,781,000 | 2,790 |
| Provision for loan and lease losses | $294,000 | 1,592 |
| Total noninterest income | $908,000 | 2,350 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $775,000 | 1,104 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $133,000 | 4,579 |
| Total noninterest expense | $2,766,000 | 2,918 |
| Salaries and employee benefits | $1,540,000 | 2,856 |
| Premises and equipment expense | $632,000 | 1,891 |
| Additional noninterest expense | $594,000 | 3,841 |
| Pre-tax net operating income | $1,629,000 | 2,581 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $1,629,000 | 2,074 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,629,000 | 2,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 1,105 |
| Cash dividends | $770,000 | 1,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,629,000 | 2,038 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,371,000 | 3,128 |
| Total interest expense | $561,000 | 3,700 |
| Net interest income | $1,810,000 | 2,897 |
| Provision for loan and lease losses | $145,000 | 1,514 |
| Total noninterest income | $415,000 | 2,437 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $380,000 | 1,098 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $35,000 | 5,892 |
| Total noninterest expense | $1,251,000 | 3,202 |
| Salaries and employee benefits | $758,000 | 2,901 |
| Premises and equipment expense | $290,000 | 2,055 |
| Additional noninterest expense | $203,000 | 5,013 |
| Pre-tax net operating income | $829,000 | 2,501 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $829,000 | 2,028 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $829,000 | 2,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 1,985 |
| Cash dividends | $440,000 | 1,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $829,000 | 1,994 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,724,000 | 3,179 |
| Total interest expense | $1,925,000 | 3,765 |
| Net interest income | $6,799,000 | 2,969 |
| Provision for loan and lease losses | $411,000 | 2,314 |
| Total noninterest income | $1,918,000 | 2,260 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,638,000 | 1,095 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $280,000 | 4,403 |
| Total noninterest expense | $5,857,000 | 2,710 |
| Salaries and employee benefits | $3,030,000 | 2,815 |
| Premises and equipment expense | $1,096,000 | 2,102 |
| Additional noninterest expense | $1,731,000 | 2,759 |
| Pre-tax net operating income | $2,449,000 | 3,061 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $2,449,000 | 2,469 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,449,000 | 2,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $254,000 | 2,226 |
| Cash dividends | $950,000 | 2,437 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,449,000 | 2,420 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,427,000 | 3,210 |
| Total interest expense | $1,415,000 | 3,783 |
| Net interest income | $5,012,000 | 2,990 |
| Provision for loan and lease losses | $263,000 | 2,501 |
| Total noninterest income | $1,450,000 | 2,257 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,242,000 | 1,084 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $208,000 | 4,424 |
| Total noninterest expense | $4,572,000 | 2,565 |
| Salaries and employee benefits | $2,214,000 | 2,853 |
| Premises and equipment expense | $841,000 | 2,057 |
| Additional noninterest expense | $1,517,000 | 2,361 |
| Pre-tax net operating income | $1,627,000 | 3,399 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $1,627,000 | 2,760 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,627,000 | 2,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 1,875 |
| Cash dividends | $550,000 | 2,544 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,627,000 | 2,698 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,230,000 | 3,235 |
| Total interest expense | $886,000 | 3,976 |
| Net interest income | $3,344,000 | 2,979 |
| Provision for loan and lease losses | $182,000 | 2,348 |
| Total noninterest income | $999,000 | 2,196 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $832,000 | 1,063 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $167,000 | 4,110 |
| Total noninterest expense | $3,516,000 | 2,253 |
| Salaries and employee benefits | $1,450,000 | 2,924 |
| Premises and equipment expense | $577,000 | 1,995 |
| Additional noninterest expense | $1,489,000 | 1,616 |
| Pre-tax net operating income | $645,000 | 4,655 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $645,000 | 4,039 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $645,000 | 4,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 1,800 |
| Cash dividends | $550,000 | 1,992 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $645,000 | 3,958 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,113,000 | 3,237 |
| Total interest expense | $451,000 | 3,973 |
| Net interest income | $1,662,000 | 2,985 |
| Provision for loan and lease losses | $162,000 | 1,355 |
| Total noninterest income | $489,000 | 2,195 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $410,000 | 1,047 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $79,000 | 4,203 |
| Total noninterest expense | $1,299,000 | 2,988 |
| Salaries and employee benefits | $775,000 | 2,771 |
| Premises and equipment expense | $230,000 | 2,477 |
| Additional noninterest expense | $294,000 | 3,801 |
| Pre-tax net operating income | $690,000 | 2,739 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $690,000 | 2,208 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $690,000 | 2,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 1,385 |
| Cash dividends | $250,000 | 1,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $690,000 | 2,129 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,126,000 | 3,394 |
| Total interest expense | $1,969,000 | 4,074 |
| Net interest income | $6,157,000 | 3,112 |
| Provision for loan and lease losses | $552,000 | 1,997 |
| Total noninterest income | $1,860,000 | 2,437 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,655,000 | 1,040 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $205,000 | 5,229 |
| Total noninterest expense | $4,993,000 | 3,054 |
| Salaries and employee benefits | $2,646,000 | 3,111 |
| Premises and equipment expense | $848,000 | 2,616 |
| Additional noninterest expense | $1,499,000 | 3,085 |
| Pre-tax net operating income | $2,472,000 | 2,914 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $2,472,000 | 2,395 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,472,000 | 2,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $241,000 | 2,567 |
| Cash dividends | $1,240,000 | 2,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,472,000 | 2,288 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,037,000 | 3,476 |
| Total interest expense | $1,515,000 | 4,107 |
| Net interest income | $4,522,000 | 3,176 |
| Provision for loan and lease losses | $380,000 | 2,093 |
| Total noninterest income | $1,395,000 | 2,480 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,215,000 | 1,068 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $180,000 | 4,992 |
| Total noninterest expense | $3,693,000 | 3,080 |
| Salaries and employee benefits | $1,995,000 | 3,099 |
| Premises and equipment expense | $627,000 | 2,663 |
| Additional noninterest expense | $1,071,000 | 3,205 |
| Pre-tax net operating income | $1,844,000 | 3,019 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $1,844,000 | 2,501 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,844,000 | 2,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 2,431 |
| Cash dividends | $775,000 | 2,042 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,844,000 | 2,367 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,972,000 | 3,541 |
| Total interest expense | $1,032,000 | 4,146 |
| Net interest income | $2,940,000 | 3,244 |
| Provision for loan and lease losses | $254,000 | 2,102 |
| Total noninterest income | $893,000 | 2,543 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $772,000 | 1,100 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $121,000 | 4,975 |
| Total noninterest expense | $2,392,000 | 3,173 |
| Salaries and employee benefits | $1,272,000 | 3,225 |
| Premises and equipment expense | $425,000 | 2,616 |
| Additional noninterest expense | $695,000 | 3,253 |
| Pre-tax net operating income | $1,187,000 | 3,109 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $1,187,000 | 2,605 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,187,000 | 2,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 2,426 |
| Cash dividends | $490,000 | 2,201 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,187,000 | 2,456 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,946,000 | 3,603 |
| Total interest expense | $523,000 | 4,196 |
| Net interest income | $1,423,000 | 3,310 |
| Provision for loan and lease losses | $119,000 | 2,125 |
| Total noninterest income | $390,000 | 2,722 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $332,000 | 1,264 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $58,000 | 4,989 |
| Total noninterest expense | $1,196,000 | 3,164 |
| Salaries and employee benefits | $666,000 | 3,085 |
| Premises and equipment expense | $183,000 | 2,963 |
| Additional noninterest expense | $347,000 | 3,216 |
| Pre-tax net operating income | $498,000 | 3,504 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $498,000 | 2,954 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $498,000 | 2,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $270,000 | 1,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $498,000 | 2,810 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,057,000 | 3,623 |
| Total interest expense | $2,428,000 | 4,195 |
| Net interest income | $5,629,000 | 3,313 |
| Provision for loan and lease losses | $436,000 | 2,651 |
| Total noninterest income | $1,213,000 | 3,058 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,024,000 | 1,577 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $189,000 | 5,140 |
| Total noninterest expense | $4,346,000 | 3,322 |
| Salaries and employee benefits | $2,343,000 | 3,299 |
| Premises and equipment expense | $809,000 | 2,664 |
| Additional noninterest expense | $1,194,000 | 3,618 |
| Pre-tax net operating income | $2,060,000 | 3,354 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $2,060,000 | 2,736 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,060,000 | 2,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 2,796 |
| Cash dividends | $940,000 | 2,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,060,000 | 2,645 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,715,000 | 3,738 |
| Total interest expense | $3,420,000 | 4,281 |
| Net interest income | $5,295,000 | 3,281 |
| Provision for loan and lease losses | $269,000 | 3,461 |
| Total noninterest income | $978,000 | 3,396 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $849,000 | 1,788 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $129,000 | 5,838 |
| Total noninterest expense | $3,908,000 | 3,498 |
| Salaries and employee benefits | $2,172,000 | 3,349 |
| Premises and equipment expense | $714,000 | 2,896 |
| Additional noninterest expense | $1,022,000 | 3,995 |
| Pre-tax net operating income | $2,096,000 | 3,064 |
| Securities gains (losses) | $10,000 | 3,593 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $2,106,000 | 2,414 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,106,000 | 2,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $269,000 | 2,394 |
| Cash dividends | $896,000 | 2,459 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,096,000 | 2,347 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,135,000 | 4,072 |
| Total interest expense | $3,204,000 | 4,681 |
| Net interest income | $4,931,000 | 3,520 |
| Provision for loan and lease losses | $249,000 | 3,262 |
| Total noninterest income | $946,000 | 3,261 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $815,000 | 1,704 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $131,000 | 5,803 |
| Total noninterest expense | $3,566,000 | 3,646 |
| Salaries and employee benefits | $1,842,000 | 3,701 |
| Premises and equipment expense | $672,000 | 2,971 |
| Additional noninterest expense | $1,052,000 | 3,837 |
| Pre-tax net operating income | $2,062,000 | 3,248 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $2,062,000 | 2,491 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,062,000 | 2,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 2,805 |
| Cash dividends | $934,000 | 2,416 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,062,000 | 2,493 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,935,000 | 4,433 |
| Total interest expense | $2,440,000 | 5,270 |
| Net interest income | $4,495,000 | 3,789 |
| Provision for loan and lease losses | $336,000 | 2,433 |
| Total noninterest income | $822,000 | 3,551 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $721,000 | 1,845 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 6,614 |
| Total noninterest expense | $3,098,000 | 4,104 |
| Salaries and employee benefits | $1,714,000 | 3,897 |
| Premises and equipment expense | $469,000 | 3,993 |
| Additional noninterest expense | $915,000 | 4,324 |
| Pre-tax net operating income | $1,883,000 | 3,487 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $1,883,000 | 2,710 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,883,000 | 2,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 3,715 |
| Cash dividends | $746,000 | 2,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,883,000 | 2,682 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,815,000 | 5,121 |
| Total interest expense | $2,157,000 | 5,909 |
| Net interest income | $3,658,000 | 4,424 |
| Provision for loan and lease losses | $183,000 | 3,696 |
| Total noninterest income | $684,000 | 4,050 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $570,000 | 2,256 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $114,000 | 6,324 |
| Total noninterest expense | $2,781,000 | 4,400 |
| Salaries and employee benefits | $1,485,000 | 4,281 |
| Premises and equipment expense | $452,000 | 3,994 |
| Additional noninterest expense | $844,000 | 4,502 |
| Pre-tax net operating income | $1,378,000 | 4,449 |
| Securities gains (losses) | $7,000 | 3,223 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $1,385,000 | 3,472 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,385,000 | 3,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 9,653 |
| Cash dividends | $550,000 | 3,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,378,000 | 3,397 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,716,000 | 6,032 |
| Total interest expense | $1,830,000 | 6,608 |
| Net interest income | $2,886,000 | 5,469 |
| Provision for loan and lease losses | $641,000 | 1,425 |
| Total noninterest income | $830,000 | 3,486 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $528,000 | 2,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $302,000 | 3,914 |
| Total noninterest expense | $2,553,000 | 4,708 |
| Salaries and employee benefits | $1,190,000 | 5,137 |
| Premises and equipment expense | $286,000 | 5,585 |
| Additional noninterest expense | $1,077,000 | 3,653 |
| Pre-tax net operating income | $522,000 | 7,803 |
| Securities gains (losses) | $22,000 | 1,824 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $544,000 | 6,711 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $544,000 | 6,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $561,000 | 1,232 |
| Cash dividends | $240,000 | 5,019 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $522,000 | 6,793 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,874,000 | 6,977 |
| Total interest expense | $1,467,000 | 7,650 |
| Net interest income | $2,407,000 | 6,375 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $552,000 | 4,837 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $460,000 | 2,925 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 7,384 |
| Total noninterest expense | $1,927,000 | 6,095 |
| Salaries and employee benefits | $1,015,000 | 5,924 |
| Premises and equipment expense | $195,000 | 7,111 |
| Additional noninterest expense | $717,000 | 5,644 |
| Pre-tax net operating income | $912,000 | 6,050 |
| Securities gains (losses) | $14,000 | 2,256 |
| Applicable income taxes | $11,000 | 10,352 |
| Income before extraordinary items | $915,000 | 4,812 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $915,000 | 4,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 10,310 |
| Cash dividends | $40,000 | 7,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $901,140 | 4,812 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,883,000 | 8,397 |
| Total interest expense | $1,158,000 | 8,724 |
| Net interest income | $1,725,000 | 7,946 |
| Provision for loan and lease losses | $88,000 | 4,902 |
| Total noninterest income | $380,000 | 6,171 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $321,000 | 4,053 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 8,803 |
| Total noninterest expense | $1,510,000 | 7,245 |
| Salaries and employee benefits | $781,000 | 7,207 |
| Premises and equipment expense | $181,000 | 7,579 |
| Additional noninterest expense | $548,000 | 6,887 |
| Pre-tax net operating income | $507,000 | 8,397 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $509,000 | 7,184 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $509,000 | 7,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,055 |
| Cash dividends | $40,000 | 7,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $507,000 | 7,170 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,030,000 | 9,748 |
| Total interest expense | $742,000 | 9,869 |
| Net interest income | $1,288,000 | 9,492 |
| Provision for loan and lease losses | $-50,000 | 11,988 |
| Total noninterest income | $247,000 | 8,000 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $188,000 | 6,107 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 9,142 |
| Total noninterest expense | $1,208,000 | 8,572 |
| Salaries and employee benefits | $548,000 | 8,973 |
| Premises and equipment expense | $126,000 | 9,218 |
| Additional noninterest expense | $534,000 | 7,564 |
| Pre-tax net operating income | $377,000 | 9,531 |
| Securities gains (losses) | $5,000 | 2,624 |
| Applicable income taxes | $74,000 | 9,948 |
| Income before extraordinary items | $308,000 | 9,057 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $308,000 | 9,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,077 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $303,950 | 9,179 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,768,000 | 10,661 |
| Total interest expense | $662,000 | 10,815 |
| Net interest income | $1,106,000 | 10,386 |
| Provision for loan and lease losses | $-98,000 | 12,887 |
| Total noninterest income | $249,000 | 8,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,947 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 8,112 |
| Total noninterest expense | $1,108,000 | 9,298 |
| Salaries and employee benefits | $490,000 | 9,769 |
| Premises and equipment expense | $112,000 | 10,057 |
| Additional noninterest expense | $506,000 | 8,147 |
| Pre-tax net operating income | $345,000 | 9,852 |
| Securities gains (losses) | $50,000 | 3,394 |
| Applicable income taxes | $113,000 | 9,447 |
| Income before extraordinary items | $282,000 | 9,667 |
| Extraordinary gains, net | $187,000 | 1,064 |
| Net income | $469,000 | 7,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 7,365 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $246,500 | 9,844 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,831,000 | 11,233 |
| Total interest expense | $773,000 | 11,454 |
| Net interest income | $1,058,000 | 10,862 |
| Provision for loan and lease losses | $-33,000 | 13,566 |
| Total noninterest income | $231,000 | 8,843 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $135,000 | 7,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 8,213 |
| Total noninterest expense | $988,000 | 10,031 |
| Salaries and employee benefits | $428,000 | 10,543 |
| Premises and equipment expense | $108,000 | 10,453 |
| Additional noninterest expense | $452,000 | 8,952 |
| Pre-tax net operating income | $334,000 | 9,829 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $98,000 | 9,973 |
| Income before extraordinary items | $236,000 | 10,083 |
| Extraordinary gains, net | $98,000 | 756 |
| Net income | $334,000 | 9,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 12,178 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $236,000 | 9,729 |
* 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.