Home > First State Bank of Red Bud > Income and Expense
First State Bank of Red Bud, Income and Expense
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,814,000 | 5,250 |
| Total interest expense | $1,162,000 | 4,056 |
| Net interest income | $2,652,000 | 5,533 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $295,000 | 5,237 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $184,000 | 4,532 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $111,000 | 5,220 |
| Total noninterest expense | $2,245,000 | 5,582 |
| Salaries and employee benefits | $1,105,000 | 5,686 |
| Premises and equipment expense | $489,000 | 4,103 |
| Additional noninterest expense | $651,000 | 5,831 |
| Pre-tax net operating income | $702,000 | 4,285 |
| Securities gains (losses) | $129,000 | 1,840 |
| Applicable income taxes | $317,000 | 2,481 |
| Income before extraordinary items | $514,000 | 4,621 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $514,000 | 4,624 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $514,000 | 4,623 |
| Net charge-offs | $190,000 | 4,347 |
| Cash dividends | $15,000 | 4,143 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $431,440 | 4,713 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,898,000 | 5,278 |
| Total interest expense | $933,000 | 3,995 |
| Net interest income | $1,965,000 | 5,591 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $186,000 | 5,567 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $137,000 | 4,562 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $49,000 | 5,814 |
| Total noninterest expense | $1,664,000 | 5,631 |
| Salaries and employee benefits | $825,000 | 5,710 |
| Premises and equipment expense | $375,000 | 4,081 |
| Additional noninterest expense | $464,000 | 5,976 |
| Pre-tax net operating income | $487,000 | 4,512 |
| Securities gains (losses) | $129,000 | 1,558 |
| Applicable income taxes | $216,000 | 2,583 |
| Income before extraordinary items | $400,000 | 4,659 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $400,000 | 4,660 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $400,000 | 4,660 |
| Net charge-offs | $66,000 | 4,779 |
| Cash dividends | $15,000 | 3,543 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $316,150 | 4,869 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,959,000 | 5,290 |
| Total interest expense | $654,000 | 3,983 |
| Net interest income | $1,305,000 | 5,633 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $124,000 | 5,595 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $87,000 | 4,645 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $37,000 | 5,755 |
| Total noninterest expense | $1,138,000 | 5,636 |
| Salaries and employee benefits | $541,000 | 5,791 |
| Premises and equipment expense | $247,000 | 4,140 |
| Additional noninterest expense | $350,000 | 5,813 |
| Pre-tax net operating income | $291,000 | 4,661 |
| Securities gains (losses) | $110,000 | 1,077 |
| Applicable income taxes | $140,000 | 2,574 |
| Income before extraordinary items | $261,000 | 4,645 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $261,000 | 4,643 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $261,000 | 4,645 |
| Net charge-offs | $20,000 | 5,048 |
| Cash dividends | $15,000 | 3,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $189,500 | 5,005 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $978,000 | 5,325 |
| Total interest expense | $326,000 | 4,097 |
| Net interest income | $652,000 | 5,646 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $69,000 | 5,509 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $44,000 | 4,568 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $25,000 | 5,598 |
| Total noninterest expense | $605,000 | 5,533 |
| Salaries and employee benefits | $271,000 | 5,826 |
| Premises and equipment expense | $128,000 | 4,101 |
| Additional noninterest expense | $206,000 | 5,459 |
| Pre-tax net operating income | $116,000 | 4,974 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $41,000 | 2,985 |
| Income before extraordinary items | $75,000 | 5,351 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $75,000 | 5,350 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $75,000 | 5,351 |
| Net charge-offs | $-28,000 | 7,251 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $75,000 | 5,295 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,770,000 | 5,543 |
| Total interest expense | $1,592,000 | 4,122 |
| Net interest income | $2,178,000 | 6,071 |
| Provision for loan and lease losses | $2,625,000 | 1,766 |
| Total noninterest income | $-690,000 | 7,514 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $176,000 | 4,644 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-866,000 | 7,473 |
| Total noninterest expense | $2,317,000 | 5,678 |
| Salaries and employee benefits | $1,112,000 | 5,826 |
| Premises and equipment expense | $482,000 | 4,283 |
| Additional noninterest expense | $723,000 | 5,831 |
| Pre-tax net operating income | $-3,454,000 | 6,976 |
| Securities gains (losses) | $237,000 | 1,445 |
| Applicable income taxes | $-1,076,000 | 7,329 |
| Income before extraordinary items | $-2,141,000 | 6,875 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,141,000 | 6,875 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-2,141,000 | 6,876 |
| Net charge-offs | $2,048,000 | 1,833 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-2,299,790 | 6,878 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,821,000 | 5,647 |
| Total interest expense | $1,210,000 | 4,229 |
| Net interest income | $1,611,000 | 6,192 |
| Provision for loan and lease losses | $871,000 | 2,724 |
| Total noninterest income | $96,000 | 6,581 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $129,000 | 4,761 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-33,000 | 7,291 |
| Total noninterest expense | $1,647,000 | 5,839 |
| Salaries and employee benefits | $796,000 | 5,966 |
| Premises and equipment expense | $363,000 | 4,334 |
| Additional noninterest expense | $488,000 | 6,096 |
| Pre-tax net operating income | $-811,000 | 6,705 |
| Securities gains (losses) | $237,000 | 1,241 |
| Applicable income taxes | $-210,000 | 7,205 |
| Income before extraordinary items | $-364,000 | 6,589 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-364,000 | 6,589 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-364,000 | 6,589 |
| Net charge-offs | $1,791,000 | 1,613 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-515,680 | 6,615 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,923,000 | 5,634 |
| Total interest expense | $819,000 | 4,283 |
| Net interest income | $1,104,000 | 6,171 |
| Provision for loan and lease losses | $622,000 | 2,526 |
| Total noninterest income | $58,000 | 6,712 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $81,000 | 4,856 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-23,000 | 7,386 |
| Total noninterest expense | $1,134,000 | 5,798 |
| Salaries and employee benefits | $583,000 | 5,807 |
| Premises and equipment expense | $244,000 | 4,330 |
| Additional noninterest expense | $307,000 | 6,234 |
| Pre-tax net operating income | $-594,000 | 6,812 |
| Securities gains (losses) | $165,000 | 1,069 |
| Applicable income taxes | $-164,000 | 7,281 |
| Income before extraordinary items | $-265,000 | 6,645 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-265,000 | 6,647 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-265,000 | 6,646 |
| Net charge-offs | $961,000 | 1,769 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-370,600 | 6,716 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $951,000 | 5,730 |
| Total interest expense | $400,000 | 4,480 |
| Net interest income | $551,000 | 6,203 |
| Provision for loan and lease losses | $129,000 | 3,638 |
| Total noninterest income | $37,000 | 6,501 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $39,000 | 4,918 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-2,000 | 7,513 |
| Total noninterest expense | $649,000 | 5,525 |
| Salaries and employee benefits | $332,000 | 5,518 |
| Premises and equipment expense | $126,000 | 4,352 |
| Additional noninterest expense | $191,000 | 5,804 |
| Pre-tax net operating income | $-190,000 | 6,821 |
| Securities gains (losses) | $41,000 | 1,226 |
| Applicable income taxes | $-67,000 | 7,384 |
| Income before extraordinary items | $-82,000 | 6,706 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-82,000 | 6,707 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-82,000 | 6,706 |
| Net charge-offs | $150,000 | 2,719 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-108,240 | 6,714 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,404,000 | 5,471 |
| Total interest expense | $2,240,000 | 4,159 |
| Net interest income | $2,164,000 | 6,192 |
| Provision for loan and lease losses | $1,559,000 | 2,830 |
| Total noninterest income | $64,000 | 7,293 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $211,000 | 4,545 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-147,000 | 7,646 |
| Total noninterest expense | $3,451,000 | 4,765 |
| Salaries and employee benefits | $1,582,000 | 5,042 |
| Premises and equipment expense | $521,000 | 4,264 |
| Additional noninterest expense | $1,348,000 | 4,389 |
| Pre-tax net operating income | $-2,782,000 | 6,843 |
| Securities gains (losses) | $386,000 | 1,042 |
| Applicable income taxes | $-685,000 | 7,146 |
| Income before extraordinary items | $-1,711,000 | 6,652 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,711,000 | 6,652 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,711,000 | 6,652 |
| Net charge-offs | $1,657,000 | 2,264 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,985,060 | 6,749 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,452,000 | 5,430 |
| Total interest expense | $1,778,000 | 4,159 |
| Net interest income | $1,674,000 | 6,125 |
| Provision for loan and lease losses | $1,311,000 | 2,391 |
| Total noninterest income | $75,000 | 7,100 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $159,000 | 4,562 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-84,000 | 7,790 |
| Total noninterest expense | $2,627,000 | 4,719 |
| Salaries and employee benefits | $1,226,000 | 4,982 |
| Premises and equipment expense | $399,000 | 4,269 |
| Additional noninterest expense | $1,002,000 | 4,378 |
| Pre-tax net operating income | $-2,189,000 | 7,099 |
| Securities gains (losses) | $289,000 | 1,024 |
| Applicable income taxes | $-659,000 | 7,421 |
| Income before extraordinary items | $-1,241,000 | 6,876 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,241,000 | 6,878 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,241,000 | 6,878 |
| Net charge-offs | $1,359,000 | 1,871 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,428,850 | 6,952 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,395,000 | 5,365 |
| Total interest expense | $1,254,000 | 4,134 |
| Net interest income | $1,141,000 | 6,081 |
| Provision for loan and lease losses | $670,000 | 2,545 |
| Total noninterest income | $164,000 | 5,567 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $102,000 | 4,629 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $62,000 | 5,530 |
| Total noninterest expense | $1,744,000 | 4,788 |
| Salaries and employee benefits | $846,000 | 4,928 |
| Premises and equipment expense | $276,000 | 4,180 |
| Additional noninterest expense | $622,000 | 4,619 |
| Pre-tax net operating income | $-1,109,000 | 7,069 |
| Securities gains (losses) | $3,000 | 2,873 |
| Applicable income taxes | $-378,000 | 7,496 |
| Income before extraordinary items | $-728,000 | 6,966 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-728,000 | 6,966 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-728,000 | 6,966 |
| Net charge-offs | $679,000 | 2,013 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-729,980 | 6,953 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,294,000 | 5,183 |
| Total interest expense | $645,000 | 4,170 |
| Net interest income | $649,000 | 5,783 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $73,000 | 5,747 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $46,000 | 4,770 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $27,000 | 5,783 |
| Total noninterest expense | $823,000 | 4,871 |
| Salaries and employee benefits | $415,000 | 5,029 |
| Premises and equipment expense | $157,000 | 3,852 |
| Additional noninterest expense | $251,000 | 4,944 |
| Pre-tax net operating income | $-101,000 | 6,654 |
| Securities gains (losses) | $3,000 | 2,164 |
| Applicable income taxes | $-18,000 | 7,259 |
| Income before extraordinary items | $-80,000 | 6,759 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-80,000 | 6,760 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-80,000 | 6,760 |
| Net charge-offs | $78,000 | 3,132 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-82,460 | 6,673 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,435,000 | 5,230 |
| Total interest expense | $2,844,000 | 4,401 |
| Net interest income | $2,591,000 | 5,819 |
| Provision for loan and lease losses | $5,351,000 | 963 |
| Total noninterest income | $-323,000 | 8,216 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $139,000 | 5,454 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-462,000 | 8,217 |
| Total noninterest expense | $2,919,000 | 5,206 |
| Salaries and employee benefits | $1,614,000 | 5,103 |
| Premises and equipment expense | $548,000 | 4,221 |
| Additional noninterest expense | $757,000 | 5,615 |
| Pre-tax net operating income | $-6,002,000 | 7,860 |
| Securities gains (losses) | $50,000 | 1,600 |
| Applicable income taxes | $-2,029,000 | 7,920 |
| Income before extraordinary items | $-3,923,000 | 7,726 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-3,923,000 | 7,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,729,000 | 728 |
| Cash dividends | $79,000 | 5,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-3,956,000 | 7,795 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,212,000 | 5,206 |
| Total interest expense | $2,164,000 | 4,481 |
| Net interest income | $2,048,000 | 5,725 |
| Provision for loan and lease losses | $4,956,000 | 646 |
| Total noninterest income | $-176,000 | 8,313 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $101,000 | 5,512 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-277,000 | 8,316 |
| Total noninterest expense | $2,258,000 | 5,092 |
| Salaries and employee benefits | $1,327,000 | 4,846 |
| Premises and equipment expense | $384,000 | 4,413 |
| Additional noninterest expense | $547,000 | 5,678 |
| Pre-tax net operating income | $-5,342,000 | 8,141 |
| Securities gains (losses) | $51,000 | 1,403 |
| Applicable income taxes | $-1,562,000 | 8,142 |
| Income before extraordinary items | $-3,729,000 | 8,065 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-3,729,000 | 8,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,178,000 | 514 |
| Cash dividends | $79,000 | 4,544 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-3,764,700 | 8,120 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,835,000 | 5,245 |
| Total interest expense | $1,423,000 | 4,660 |
| Net interest income | $1,412,000 | 5,637 |
| Provision for loan and lease losses | $1,563,000 | 923 |
| Total noninterest income | $59,000 | 7,304 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $64,000 | 5,604 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-5,000 | 8,315 |
| Total noninterest expense | $1,505,000 | 5,114 |
| Salaries and employee benefits | $896,000 | 4,855 |
| Premises and equipment expense | $221,000 | 4,859 |
| Additional noninterest expense | $388,000 | 5,507 |
| Pre-tax net operating income | $-1,597,000 | 8,104 |
| Securities gains (losses) | $30,000 | 1,782 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-1,567,000 | 8,162 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,567,000 | 8,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,460,000 | 674 |
| Cash dividends | $79,000 | 4,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,597,000 | 8,158 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,459,000 | 5,263 |
| Total interest expense | $757,000 | 4,665 |
| Net interest income | $702,000 | 5,686 |
| Provision for loan and lease losses | $50,000 | 3,776 |
| Total noninterest income | $76,000 | 5,960 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $30,000 | 5,688 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $46,000 | 5,219 |
| Total noninterest expense | $660,000 | 5,530 |
| Salaries and employee benefits | $420,000 | 5,098 |
| Premises and equipment expense | $85,000 | 5,587 |
| Additional noninterest expense | $155,000 | 6,092 |
| Pre-tax net operating income | $68,000 | 6,383 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $68,000 | 6,299 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $68,000 | 6,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,665 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $68,000 | 6,207 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,029,000 | 5,219 |
| Total interest expense | $2,901,000 | 4,889 |
| Net interest income | $3,128,000 | 5,393 |
| Provision for loan and lease losses | $1,380,000 | 1,129 |
| Total noninterest income | $321,000 | 5,913 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $168,000 | 5,227 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $153,000 | 5,541 |
| Total noninterest expense | $2,200,000 | 5,952 |
| Salaries and employee benefits | $1,393,000 | 5,528 |
| Premises and equipment expense | $305,000 | 5,739 |
| Additional noninterest expense | $502,000 | 6,569 |
| Pre-tax net operating income | $-131,000 | 7,589 |
| Securities gains (losses) | $-35,000 | 7,913 |
| Applicable income taxes | $-251,000 | 8,169 |
| Income before extraordinary items | $85,000 | 7,199 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $85,000 | 7,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $909,000 | 1,100 |
| Cash dividends | $379,000 | 4,140 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $107,400 | 7,081 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,567,000 | 5,198 |
| Total interest expense | $2,110,000 | 4,972 |
| Net interest income | $2,457,000 | 5,276 |
| Provision for loan and lease losses | $1,380,000 | 689 |
| Total noninterest income | $233,000 | 6,021 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $124,000 | 5,280 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $109,000 | 5,656 |
| Total noninterest expense | $1,666,000 | 5,905 |
| Salaries and employee benefits | $1,062,000 | 5,457 |
| Premises and equipment expense | $231,000 | 5,708 |
| Additional noninterest expense | $373,000 | 6,572 |
| Pre-tax net operating income | $-356,000 | 7,990 |
| Securities gains (losses) | $-35,000 | 8,099 |
| Applicable income taxes | $289,000 | 3,248 |
| Income before extraordinary items | $-680,000 | 8,221 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-680,000 | 8,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,003,000 | 659 |
| Cash dividends | $158,000 | 4,323 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-645,000 | 8,194 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,981,000 | 5,285 |
| Total interest expense | $1,368,000 | 5,053 |
| Net interest income | $1,613,000 | 5,352 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $159,000 | 6,026 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $84,000 | 5,265 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $75,000 | 5,629 |
| Total noninterest expense | $1,102,000 | 5,972 |
| Salaries and employee benefits | $694,000 | 5,579 |
| Premises and equipment expense | $153,000 | 5,758 |
| Additional noninterest expense | $255,000 | 6,547 |
| Pre-tax net operating income | $670,000 | 4,422 |
| Securities gains (losses) | $-35,000 | 8,244 |
| Applicable income taxes | $186,000 | 3,358 |
| Income before extraordinary items | $449,000 | 4,808 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $449,000 | 4,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,675 |
| Cash dividends | $158,000 | 3,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $473,850 | 4,668 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,469,000 | 5,331 |
| Total interest expense | $674,000 | 5,074 |
| Net interest income | $795,000 | 5,398 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $75,000 | 6,097 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $38,000 | 5,408 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $37,000 | 5,638 |
| Total noninterest expense | $556,000 | 5,983 |
| Salaries and employee benefits | $335,000 | 5,735 |
| Premises and equipment expense | $84,000 | 5,553 |
| Additional noninterest expense | $137,000 | 6,368 |
| Pre-tax net operating income | $314,000 | 4,553 |
| Securities gains (losses) | $-35,000 | 8,454 |
| Applicable income taxes | $85,000 | 3,492 |
| Income before extraordinary items | $194,000 | 5,135 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $194,000 | 5,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $218,500 | 4,841 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,525,000 | 5,269 |
| Total interest expense | $2,298,000 | 5,042 |
| Net interest income | $3,227,000 | 5,315 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $322,000 | 6,038 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $165,000 | 5,353 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $157,000 | 5,538 |
| Total noninterest expense | $2,123,000 | 5,988 |
| Salaries and employee benefits | $1,333,000 | 5,568 |
| Premises and equipment expense | $275,000 | 5,955 |
| Additional noninterest expense | $515,000 | 6,468 |
| Pre-tax net operating income | $1,426,000 | 4,407 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $414,000 | 3,391 |
| Income before extraordinary items | $1,012,000 | 4,685 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,012,000 | 4,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,486 |
| Cash dividends | $413,000 | 4,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,012,000 | 4,682 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,013,000 | 5,353 |
| Total interest expense | $1,632,000 | 5,117 |
| Net interest income | $2,381,000 | 5,403 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $234,000 | 6,164 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $121,000 | 5,450 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $113,000 | 5,618 |
| Total noninterest expense | $1,586,000 | 5,986 |
| Salaries and employee benefits | $987,000 | 5,591 |
| Premises and equipment expense | $200,000 | 6,078 |
| Additional noninterest expense | $399,000 | 6,400 |
| Pre-tax net operating income | $1,029,000 | 4,650 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $303,000 | 3,571 |
| Income before extraordinary items | $726,000 | 4,935 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $726,000 | 4,939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 2,446 |
| Cash dividends | $160,000 | 4,380 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $726,000 | 4,920 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,575,000 | 5,432 |
| Total interest expense | $994,000 | 5,238 |
| Net interest income | $1,581,000 | 5,434 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $150,000 | 6,237 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $69,000 | 5,740 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $81,000 | 5,545 |
| Total noninterest expense | $1,068,000 | 5,967 |
| Salaries and employee benefits | $659,000 | 5,615 |
| Premises and equipment expense | $127,000 | 6,211 |
| Additional noninterest expense | $282,000 | 6,257 |
| Pre-tax net operating income | $663,000 | 4,747 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $201,000 | 3,612 |
| Income before extraordinary items | $462,000 | 5,077 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $462,000 | 5,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 1,814 |
| Cash dividends | $160,000 | 3,925 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $462,000 | 5,060 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,244,000 | 5,489 |
| Total interest expense | $471,000 | 5,280 |
| Net interest income | $773,000 | 5,499 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $79,000 | 6,100 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $34,000 | 5,706 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $45,000 | 5,314 |
| Total noninterest expense | $510,000 | 6,123 |
| Salaries and employee benefits | $334,000 | 5,595 |
| Premises and equipment expense | $60,000 | 6,361 |
| Additional noninterest expense | $116,000 | 6,720 |
| Pre-tax net operating income | $342,000 | 4,641 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $90,000 | 3,735 |
| Income before extraordinary items | $252,000 | 4,841 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $252,000 | 4,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 1,127 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $252,000 | 4,823 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,698,000 | 5,349 |
| Total interest expense | $1,566,000 | 5,122 |
| Net interest income | $3,132,000 | 5,374 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $298,000 | 6,338 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $121,000 | 5,986 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $177,000 | 5,415 |
| Total noninterest expense | $2,000,000 | 6,118 |
| Salaries and employee benefits | $1,291,000 | 5,553 |
| Premises and equipment expense | $238,000 | 6,330 |
| Additional noninterest expense | $471,000 | 6,732 |
| Pre-tax net operating income | $1,430,000 | 4,500 |
| Securities gains (losses) | $24,000 | 1,190 |
| Applicable income taxes | $378,000 | 3,790 |
| Income before extraordinary items | $1,076,000 | 4,646 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,076,000 | 4,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-351,000 | 8,764 |
| Cash dividends | $417,000 | 3,928 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,058,240 | 4,642 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,461,000 | 5,381 |
| Total interest expense | $1,119,000 | 5,131 |
| Net interest income | $2,342,000 | 5,394 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $215,000 | 6,441 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $82,000 | 6,199 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $133,000 | 5,420 |
| Total noninterest expense | $1,480,000 | 6,126 |
| Salaries and employee benefits | $970,000 | 5,513 |
| Premises and equipment expense | $176,000 | 6,342 |
| Additional noninterest expense | $334,000 | 6,846 |
| Pre-tax net operating income | $1,077,000 | 4,584 |
| Securities gains (losses) | $24,000 | 1,156 |
| Applicable income taxes | $250,000 | 4,087 |
| Income before extraordinary items | $851,000 | 4,592 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $851,000 | 4,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-249,000 | 8,767 |
| Cash dividends | $164,000 | 4,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $832,520 | 4,612 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,245,000 | 5,397 |
| Total interest expense | $690,000 | 5,191 |
| Net interest income | $1,555,000 | 5,382 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $124,000 | 6,692 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $39,000 | 6,647 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $85,000 | 5,486 |
| Total noninterest expense | $993,000 | 6,092 |
| Salaries and employee benefits | $652,000 | 5,474 |
| Premises and equipment expense | $119,000 | 6,301 |
| Additional noninterest expense | $222,000 | 6,849 |
| Pre-tax net operating income | $686,000 | 4,673 |
| Securities gains (losses) | $24,000 | 1,040 |
| Applicable income taxes | $153,000 | 4,217 |
| Income before extraordinary items | $557,000 | 4,614 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $557,000 | 4,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,136 |
| Cash dividends | $164,000 | 3,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $538,280 | 4,649 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,097,000 | 5,458 |
| Total interest expense | $332,000 | 5,208 |
| Net interest income | $765,000 | 5,474 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $58,000 | 6,821 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $12,000 | 7,169 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $46,000 | 5,356 |
| Total noninterest expense | $495,000 | 6,142 |
| Salaries and employee benefits | $332,000 | 5,462 |
| Premises and equipment expense | $59,000 | 6,380 |
| Additional noninterest expense | $104,000 | 7,044 |
| Pre-tax net operating income | $328,000 | 4,770 |
| Securities gains (losses) | $24,000 | 734 |
| Applicable income taxes | $63,000 | 4,453 |
| Income before extraordinary items | $289,000 | 4,478 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $289,000 | 4,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,435 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $269,320 | 4,634 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,381,000 | 5,265 |
| Total interest expense | $1,390,000 | 4,727 |
| Net interest income | $2,991,000 | 5,426 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $266,000 | 6,636 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $55,000 | 7,212 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $211,000 | 4,996 |
| Total noninterest expense | $1,891,000 | 6,196 |
| Salaries and employee benefits | $1,217,000 | 5,653 |
| Premises and equipment expense | $222,000 | 6,499 |
| Additional noninterest expense | $452,000 | 6,831 |
| Pre-tax net operating income | $1,366,000 | 4,488 |
| Securities gains (losses) | $27,000 | 2,202 |
| Applicable income taxes | $329,000 | 4,038 |
| Income before extraordinary items | $1,064,000 | 4,531 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,064,000 | 4,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-136,000 | 8,836 |
| Cash dividends | $385,000 | 3,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,043,480 | 4,500 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,249,000 | 5,277 |
| Total interest expense | $1,053,000 | 4,649 |
| Net interest income | $2,196,000 | 5,483 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $204,000 | 6,638 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $44,000 | 7,182 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $160,000 | 4,974 |
| Total noninterest expense | $1,394,000 | 6,217 |
| Salaries and employee benefits | $905,000 | 5,646 |
| Premises and equipment expense | $157,000 | 6,634 |
| Additional noninterest expense | $332,000 | 6,855 |
| Pre-tax net operating income | $1,006,000 | 4,593 |
| Securities gains (losses) | $27,000 | 2,115 |
| Applicable income taxes | $189,000 | 4,533 |
| Income before extraordinary items | $844,000 | 4,467 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $844,000 | 4,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,593 |
| Cash dividends | $140,000 | 4,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $821,860 | 4,469 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,172,000 | 5,284 |
| Total interest expense | $710,000 | 4,629 |
| Net interest income | $1,462,000 | 5,483 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $150,000 | 6,460 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $29,000 | 7,223 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $121,000 | 4,767 |
| Total noninterest expense | $922,000 | 6,282 |
| Salaries and employee benefits | $602,000 | 5,682 |
| Premises and equipment expense | $97,000 | 6,845 |
| Additional noninterest expense | $223,000 | 6,873 |
| Pre-tax net operating income | $690,000 | 4,490 |
| Securities gains (losses) | $5,000 | 2,738 |
| Applicable income taxes | $126,000 | 4,529 |
| Income before extraordinary items | $569,000 | 4,390 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $569,000 | 4,391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-59,000 | 8,775 |
| Cash dividends | $140,000 | 3,889 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $564,900 | 4,322 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,081,000 | 5,326 |
| Total interest expense | $354,000 | 4,672 |
| Net interest income | $727,000 | 5,496 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $85,000 | 6,150 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $16,000 | 7,105 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $69,000 | 4,468 |
| Total noninterest expense | $438,000 | 6,495 |
| Salaries and employee benefits | $303,000 | 5,709 |
| Premises and equipment expense | $44,000 | 7,051 |
| Additional noninterest expense | $91,000 | 7,355 |
| Pre-tax net operating income | $374,000 | 4,259 |
| Securities gains (losses) | $13,000 | 1,918 |
| Applicable income taxes | $63,000 | 4,507 |
| Income before extraordinary items | $324,000 | 4,063 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $324,000 | 4,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,486 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $313,080 | 4,029 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,465,000 | 5,269 |
| Total interest expense | $1,655,000 | 4,594 |
| Net interest income | $2,810,000 | 5,515 |
| Provision for loan and lease losses | $30,000 | 6,766 |
| Total noninterest income | $126,000 | 8,038 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $67,000 | 7,147 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $59,000 | 7,340 |
| Total noninterest expense | $1,788,000 | 6,367 |
| Salaries and employee benefits | $1,187,000 | 5,684 |
| Premises and equipment expense | $176,000 | 7,072 |
| Additional noninterest expense | $425,000 | 7,007 |
| Pre-tax net operating income | $1,118,000 | 4,871 |
| Securities gains (losses) | $112,000 | 1,795 |
| Applicable income taxes | $285,000 | 4,362 |
| Income before extraordinary items | $945,000 | 4,808 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $945,000 | 4,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 8,862 |
| Cash dividends | $888,000 | 2,529 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $858,760 | 4,899 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,390,000 | 5,284 |
| Total interest expense | $1,281,000 | 4,622 |
| Net interest income | $2,109,000 | 5,548 |
| Provision for loan and lease losses | $30,000 | 6,386 |
| Total noninterest income | $84,000 | 8,241 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $50,000 | 7,213 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $34,000 | 7,714 |
| Total noninterest expense | $1,261,000 | 6,542 |
| Salaries and employee benefits | $841,000 | 5,842 |
| Premises and equipment expense | $132,000 | 7,088 |
| Additional noninterest expense | $288,000 | 7,249 |
| Pre-tax net operating income | $902,000 | 4,821 |
| Securities gains (losses) | $83,000 | 1,905 |
| Applicable income taxes | $217,000 | 4,522 |
| Income before extraordinary items | $768,000 | 4,715 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $768,000 | 4,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 8,854 |
| Cash dividends | $800,000 | 1,997 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $703,260 | 4,790 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,356,000 | 5,189 |
| Total interest expense | $890,000 | 4,613 |
| Net interest income | $1,466,000 | 5,398 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $46,000 | 8,450 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $32,000 | 7,257 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $14,000 | 8,211 |
| Total noninterest expense | $853,000 | 6,514 |
| Salaries and employee benefits | $566,000 | 5,808 |
| Premises and equipment expense | $89,000 | 7,056 |
| Additional noninterest expense | $198,000 | 7,163 |
| Pre-tax net operating income | $629,000 | 4,701 |
| Securities gains (losses) | $24,000 | 2,506 |
| Applicable income taxes | $136,000 | 4,659 |
| Income before extraordinary items | $517,000 | 4,708 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $517,000 | 4,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,869 |
| Cash dividends | $800,000 | 1,557 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $498,040 | 4,600 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,177,000 | 5,228 |
| Total interest expense | $456,000 | 4,625 |
| Net interest income | $721,000 | 5,451 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $30,000 | 8,154 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $15,000 | 7,293 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $15,000 | 7,351 |
| Total noninterest expense | $419,000 | 6,573 |
| Salaries and employee benefits | $282,000 | 5,818 |
| Premises and equipment expense | $45,000 | 7,066 |
| Additional noninterest expense | $92,000 | 7,360 |
| Pre-tax net operating income | $302,000 | 4,774 |
| Securities gains (losses) | $23,000 | 1,827 |
| Applicable income taxes | $63,000 | 4,744 |
| Income before extraordinary items | $262,000 | 4,603 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $262,000 | 4,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,905 |
| Cash dividends | $660,000 | 965 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $243,370 | 4,594 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,086,000 | 5,119 |
| Total interest expense | $2,343,000 | 4,306 |
| Net interest income | $2,743,000 | 5,597 |
| Provision for loan and lease losses | $360,000 | 3,054 |
| Total noninterest income | $107,000 | 8,315 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $71,000 | 7,103 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $36,000 | 8,002 |
| Total noninterest expense | $1,800,000 | 6,263 |
| Salaries and employee benefits | $1,127,000 | 5,725 |
| Premises and equipment expense | $175,000 | 7,092 |
| Additional noninterest expense | $498,000 | 6,509 |
| Pre-tax net operating income | $690,000 | 6,130 |
| Securities gains (losses) | $180,000 | 1,243 |
| Applicable income taxes | $172,000 | 5,326 |
| Income before extraordinary items | $698,000 | 5,572 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $698,000 | 5,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 2,377 |
| Cash dividends | $295,000 | 4,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $554,000 | 6,013 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,732,000 | 5,134 |
| Total interest expense | $3,153,000 | 4,551 |
| Net interest income | $2,579,000 | 5,609 |
| Provision for loan and lease losses | $1,485,000 | 914 |
| Total noninterest income | $114,000 | 8,320 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $70,000 | 7,167 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $44,000 | 7,857 |
| Total noninterest expense | $1,648,000 | 6,455 |
| Salaries and employee benefits | $1,054,000 | 5,805 |
| Premises and equipment expense | $134,000 | 7,784 |
| Additional noninterest expense | $460,000 | 6,715 |
| Pre-tax net operating income | $-440,000 | 9,133 |
| Securities gains (losses) | $5,000 | 3,927 |
| Applicable income taxes | $-360,000 | 9,457 |
| Income before extraordinary items | $-75,000 | 8,928 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-75,000 | 8,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,487,000 | 711 |
| Cash dividends | $133,000 | 5,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-78,200 | 8,875 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,744,000 | 5,232 |
| Total interest expense | $3,066,000 | 4,840 |
| Net interest income | $2,678,000 | 5,572 |
| Provision for loan and lease losses | $290,000 | 2,935 |
| Total noninterest income | $93,000 | 8,700 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $71,000 | 7,181 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 8,890 |
| Total noninterest expense | $1,393,000 | 7,015 |
| Salaries and employee benefits | $925,000 | 6,222 |
| Premises and equipment expense | $137,000 | 7,794 |
| Additional noninterest expense | $331,000 | 7,706 |
| Pre-tax net operating income | $1,088,000 | 5,033 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $236,000 | 5,089 |
| Income before extraordinary items | $852,000 | 4,850 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $852,000 | 4,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $396,000 | 1,487 |
| Cash dividends | $280,000 | 4,620 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $852,000 | 4,861 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,668,000 | 5,133 |
| Total interest expense | $3,100,000 | 4,481 |
| Net interest income | $2,568,000 | 5,710 |
| Provision for loan and lease losses | $156,000 | 4,165 |
| Total noninterest income | $99,000 | 8,840 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $79,000 | 7,144 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 9,255 |
| Total noninterest expense | $1,355,000 | 7,151 |
| Salaries and employee benefits | $902,000 | 6,300 |
| Premises and equipment expense | $134,000 | 7,956 |
| Additional noninterest expense | $319,000 | 7,964 |
| Pre-tax net operating income | $1,156,000 | 4,880 |
| Securities gains (losses) | $9,000 | 1,806 |
| Applicable income taxes | $259,000 | 5,121 |
| Income before extraordinary items | $906,000 | 4,727 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $906,000 | 4,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $375,000 | 1,532 |
| Cash dividends | $280,000 | 4,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $898,980 | 4,706 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,435,000 | 5,348 |
| Total interest expense | $2,996,000 | 4,735 |
| Net interest income | $2,439,000 | 5,932 |
| Provision for loan and lease losses | $247,000 | 3,019 |
| Total noninterest income | $93,000 | 9,131 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 7,419 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,566 |
| Total noninterest expense | $1,243,000 | 7,425 |
| Salaries and employee benefits | $836,000 | 6,529 |
| Premises and equipment expense | $117,000 | 8,342 |
| Additional noninterest expense | $290,000 | 8,223 |
| Pre-tax net operating income | $1,042,000 | 5,290 |
| Securities gains (losses) | $14,000 | 2,712 |
| Applicable income taxes | $206,000 | 6,123 |
| Income before extraordinary items | $850,000 | 4,999 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $850,000 | 4,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,364 |
| Cash dividends | $280,000 | 4,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $838,800 | 4,956 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,332,000 | 5,542 |
| Total interest expense | $2,863,000 | 4,909 |
| Net interest income | $2,469,000 | 6,102 |
| Provision for loan and lease losses | $410,000 | 2,057 |
| Total noninterest income | $96,000 | 9,497 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $77,000 | 7,714 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 9,900 |
| Total noninterest expense | $1,178,000 | 7,747 |
| Salaries and employee benefits | $783,000 | 6,868 |
| Premises and equipment expense | $118,000 | 8,544 |
| Additional noninterest expense | $277,000 | 8,567 |
| Pre-tax net operating income | $977,000 | 5,902 |
| Securities gains (losses) | $107,000 | 958 |
| Applicable income taxes | $210,000 | 6,756 |
| Income before extraordinary items | $874,000 | 5,153 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $874,000 | 5,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,258 |
| Cash dividends | $280,000 | 4,710 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $787,330 | 5,464 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,136,000 | 5,819 |
| Total interest expense | $2,709,000 | 5,210 |
| Net interest income | $2,427,000 | 6,327 |
| Provision for loan and lease losses | $115,000 | 4,800 |
| Total noninterest income | $93,000 | 10,021 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 8,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 10,521 |
| Total noninterest expense | $1,108,000 | 8,304 |
| Salaries and employee benefits | $702,000 | 7,523 |
| Premises and equipment expense | $119,000 | 8,811 |
| Additional noninterest expense | $287,000 | 9,018 |
| Pre-tax net operating income | $1,297,000 | 4,834 |
| Securities gains (losses) | $84,000 | 1,039 |
| Applicable income taxes | $354,000 | 5,287 |
| Income before extraordinary items | $1,027,000 | 4,391 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,027,000 | 4,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,667 |
| Cash dividends | $520,000 | 3,309 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $964,840 | 4,572 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,791,000 | 6,171 |
| Total interest expense | $2,477,000 | 5,615 |
| Net interest income | $2,314,000 | 6,653 |
| Provision for loan and lease losses | $100,000 | 4,579 |
| Total noninterest income | $94,000 | 10,411 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 8,360 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 11,150 |
| Total noninterest expense | $1,130,000 | 8,466 |
| Salaries and employee benefits | $679,000 | 7,867 |
| Premises and equipment expense | $132,000 | 8,739 |
| Additional noninterest expense | $319,000 | 9,046 |
| Pre-tax net operating income | $1,178,000 | 5,312 |
| Securities gains (losses) | $49,000 | 1,312 |
| Applicable income taxes | $308,000 | 5,904 |
| Income before extraordinary items | $919,000 | 4,909 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $919,000 | 4,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,500 |
| Cash dividends | $270,000 | 4,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $882,250 | 5,059 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,489,000 | 6,156 |
| Total interest expense | $2,112,000 | 5,358 |
| Net interest income | $2,377,000 | 6,706 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $90,000 | 10,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 8,896 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 11,641 |
| Total noninterest expense | $1,160,000 | 8,764 |
| Salaries and employee benefits | $661,000 | 8,188 |
| Premises and equipment expense | $106,000 | 9,833 |
| Additional noninterest expense | $393,000 | 8,895 |
| Pre-tax net operating income | $1,307,000 | 4,923 |
| Securities gains (losses) | $7,000 | 2,440 |
| Applicable income taxes | $332,000 | 5,489 |
| Income before extraordinary items | $982,000 | 4,602 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $982,000 | 4,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,455 |
| Cash dividends | $220,000 | 5,230 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $976,750 | 4,653 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,486,000 | 6,325 |
| Total interest expense | $2,251,000 | 5,266 |
| Net interest income | $2,235,000 | 7,079 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $81,000 | 11,784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 9,620 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 12,117 |
| Total noninterest expense | $1,131,000 | 9,199 |
| Salaries and employee benefits | $623,000 | 8,614 |
| Premises and equipment expense | $126,000 | 9,610 |
| Additional noninterest expense | $382,000 | 9,462 |
| Pre-tax net operating income | $1,185,000 | 5,229 |
| Securities gains (losses) | $47,000 | 3,500 |
| Applicable income taxes | $269,000 | 6,503 |
| Income before extraordinary items | $963,000 | 4,821 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $963,000 | 4,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 5,571 |
| Cash dividends | $200,000 | 5,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $926,340 | 4,748 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,798,000 | 6,572 |
| Total interest expense | $2,655,000 | 5,710 |
| Net interest income | $2,143,000 | 7,391 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $57,000 | 12,940 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 10,631 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 12,987 |
| Total noninterest expense | $1,028,000 | 9,859 |
| Salaries and employee benefits | $565,000 | 9,128 |
| Premises and equipment expense | $129,000 | 9,729 |
| Additional noninterest expense | $334,000 | 10,396 |
| Pre-tax net operating income | $1,172,000 | 5,010 |
| Securities gains (losses) | $47,000 | 4,236 |
| Applicable income taxes | $281,000 | 6,199 |
| Income before extraordinary items | $938,000 | 4,768 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $938,000 | 4,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 10,059 |
| Cash dividends | $250,000 | 4,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $901,810 | 4,610 |
* 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.