Home > First Trust Bank > Income and Expense
First Trust Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $12,912,000 | 1,571 |
| Total interest expense | $2,399,000 | 1,455 |
| Net interest income | $10,513,000 | 1,583 |
| Provision for loan and lease losses | $-266,000 | 7,081 |
| Total noninterest income | $2,000 | 6,922 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $82,000 | 5,377 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-80,000 | 6,887 |
| Total noninterest expense | $6,334,000 | 2,260 |
| Salaries and employee benefits | $3,320,000 | 2,238 |
| Premises and equipment expense | $423,000 | 3,581 |
| Additional noninterest expense | $2,591,000 | 1,906 |
| Pre-tax net operating income | $4,447,000 | 1,209 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $1,532,000 | 895 |
| Income before extraordinary items | $2,915,000 | 1,519 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,915,000 | 1,520 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,915,000 | 1,520 |
| Net charge-offs | $91,000 | 4,059 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 727 |
| Net operating income | $2,915,000 | 1,431 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $8,813,000 | 1,550 |
| Total interest expense | $1,693,000 | 1,425 |
| Net interest income | $7,120,000 | 1,563 |
| Provision for loan and lease losses | $-266,000 | 7,157 |
| Total noninterest income | $102,000 | 5,769 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $60,000 | 5,240 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $42,000 | 5,607 |
| Total noninterest expense | $4,295,000 | 2,228 |
| Salaries and employee benefits | $2,261,000 | 2,205 |
| Premises and equipment expense | $282,000 | 3,575 |
| Additional noninterest expense | $1,752,000 | 1,893 |
| Pre-tax net operating income | $3,193,000 | 1,118 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $1,207,000 | 765 |
| Income before extraordinary items | $1,986,000 | 1,493 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,986,000 | 1,492 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,986,000 | 1,493 |
| Net charge-offs | $108,000 | 3,337 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 684 |
| Net operating income | $1,986,000 | 1,400 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $4,490,000 | 1,539 |
| Total interest expense | $900,000 | 1,396 |
| Net interest income | $3,590,000 | 1,558 |
| Provision for loan and lease losses | $140,000 | 2,491 |
| Total noninterest income | $37,000 | 6,160 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $31,000 | 5,167 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $6,000 | 6,469 |
| Total noninterest expense | $2,156,000 | 2,208 |
| Salaries and employee benefits | $1,175,000 | 2,126 |
| Premises and equipment expense | $141,000 | 3,620 |
| Additional noninterest expense | $840,000 | 1,953 |
| Pre-tax net operating income | $1,331,000 | 1,318 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $500,000 | 886 |
| Income before extraordinary items | $831,000 | 1,743 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $831,000 | 1,745 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $831,000 | 1,744 |
| Net charge-offs | $271,000 | 1,578 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 618 |
| Net operating income | $831,000 | 1,643 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $19,542,000 | 1,458 |
| Total interest expense | $4,775,000 | 1,273 |
| Net interest income | $14,767,000 | 1,517 |
| Provision for loan and lease losses | $3,136,000 | 1,158 |
| Total noninterest income | $-706,000 | 7,224 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $134,000 | 5,077 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-840,000 | 7,171 |
| Total noninterest expense | $8,434,000 | 2,256 |
| Salaries and employee benefits | $4,348,000 | 2,225 |
| Premises and equipment expense | $556,000 | 3,772 |
| Additional noninterest expense | $3,530,000 | 1,909 |
| Pre-tax net operating income | $2,491,000 | 2,141 |
| Securities gains (losses) | $651,000 | 644 |
| Applicable income taxes | $742,000 | 1,626 |
| Income before extraordinary items | $2,400,000 | 1,939 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,400,000 | 1,939 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $2,400,000 | 1,939 |
| Net charge-offs | $6,433,000 | 651 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $75,000 | 724 |
| Net operating income | $1,905,240 | 2,272 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $14,811,000 | 1,462 |
| Total interest expense | $3,788,000 | 1,251 |
| Net interest income | $11,023,000 | 1,521 |
| Provision for loan and lease losses | $2,499,000 | 1,067 |
| Total noninterest income | $-724,000 | 7,334 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $101,000 | 5,101 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-825,000 | 7,301 |
| Total noninterest expense | $6,230,000 | 2,296 |
| Salaries and employee benefits | $3,262,000 | 2,223 |
| Premises and equipment expense | $413,000 | 3,836 |
| Additional noninterest expense | $2,555,000 | 1,985 |
| Pre-tax net operating income | $1,570,000 | 2,495 |
| Securities gains (losses) | $465,000 | 681 |
| Applicable income taxes | $458,000 | 1,803 |
| Income before extraordinary items | $1,577,000 | 2,214 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,577,000 | 2,214 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,577,000 | 2,215 |
| Net charge-offs | $4,875,000 | 641 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 688 |
| Net operating income | $1,218,950 | 2,605 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $9,924,000 | 1,467 |
| Total interest expense | $2,576,000 | 1,272 |
| Net interest income | $7,348,000 | 1,520 |
| Provision for loan and lease losses | $2,499,000 | 781 |
| Total noninterest income | $-572,000 | 7,415 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $68,000 | 5,073 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-640,000 | 7,406 |
| Total noninterest expense | $4,164,000 | 2,314 |
| Salaries and employee benefits | $2,207,000 | 2,207 |
| Premises and equipment expense | $283,000 | 3,804 |
| Additional noninterest expense | $1,674,000 | 2,036 |
| Pre-tax net operating income | $113,000 | 5,625 |
| Securities gains (losses) | $42,000 | 1,689 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $155,000 | 5,330 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $155,000 | 5,329 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $155,000 | 5,330 |
| Net charge-offs | $3,703,000 | 588 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 605 |
| Net operating income | $113,000 | 5,517 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $5,024,000 | 1,459 |
| Total interest expense | $1,316,000 | 1,291 |
| Net interest income | $3,708,000 | 1,503 |
| Provision for loan and lease losses | $449,000 | 1,569 |
| Total noninterest income | $-347,000 | 7,498 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $34,000 | 5,022 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-381,000 | 7,491 |
| Total noninterest expense | $2,071,000 | 2,342 |
| Salaries and employee benefits | $1,134,000 | 2,174 |
| Premises and equipment expense | $143,000 | 3,826 |
| Additional noninterest expense | $794,000 | 2,117 |
| Pre-tax net operating income | $841,000 | 1,701 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $221,000 | 1,408 |
| Income before extraordinary items | $620,000 | 1,864 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $620,000 | 1,863 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $620,000 | 1,864 |
| Net charge-offs | $2,301,000 | 494 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 559 |
| Net operating income | $620,000 | 1,811 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $21,443,000 | 1,422 |
| Total interest expense | $5,319,000 | 1,559 |
| Net interest income | $16,124,000 | 1,386 |
| Provision for loan and lease losses | $16,466,000 | 445 |
| Total noninterest income | $221,000 | 5,820 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $168,000 | 4,724 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $53,000 | 6,060 |
| Total noninterest expense | $7,941,000 | 2,435 |
| Salaries and employee benefits | $4,256,000 | 2,265 |
| Premises and equipment expense | $588,000 | 3,766 |
| Additional noninterest expense | $3,097,000 | 2,233 |
| Pre-tax net operating income | $-8,062,000 | 7,291 |
| Securities gains (losses) | $675,000 | 685 |
| Applicable income taxes | $-3,531,000 | 7,552 |
| Income before extraordinary items | $-3,856,000 | 7,088 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,856,000 | 7,088 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-3,856,000 | 7,089 |
| Net charge-offs | $13,259,000 | 482 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $92,000 | 803 |
| Net operating income | $-4,288,000 | 7,107 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $16,389,000 | 1,429 |
| Total interest expense | $3,994,000 | 1,629 |
| Net interest income | $12,395,000 | 1,369 |
| Provision for loan and lease losses | $10,066,000 | 493 |
| Total noninterest income | $410,000 | 4,459 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $132,000 | 4,714 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $278,000 | 3,657 |
| Total noninterest expense | $5,715,000 | 2,535 |
| Salaries and employee benefits | $3,247,000 | 2,237 |
| Premises and equipment expense | $426,000 | 3,927 |
| Additional noninterest expense | $2,042,000 | 2,440 |
| Pre-tax net operating income | $-2,976,000 | 7,195 |
| Securities gains (losses) | $675,000 | 581 |
| Applicable income taxes | $-744,000 | 7,445 |
| Income before extraordinary items | $-1,557,000 | 7,061 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,557,000 | 7,060 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-1,557,000 | 7,061 |
| Net charge-offs | $9,284,000 | 485 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $76,000 | 729 |
| Net operating income | $-2,016,000 | 7,109 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $11,103,000 | 1,423 |
| Total interest expense | $2,673,000 | 1,685 |
| Net interest income | $8,430,000 | 1,350 |
| Provision for loan and lease losses | $6,126,000 | 536 |
| Total noninterest income | $285,000 | 4,365 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $93,000 | 4,617 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $192,000 | 3,565 |
| Total noninterest expense | $3,654,000 | 2,636 |
| Salaries and employee benefits | $2,146,000 | 2,261 |
| Premises and equipment expense | $287,000 | 3,930 |
| Additional noninterest expense | $1,221,000 | 2,678 |
| Pre-tax net operating income | $-1,065,000 | 7,036 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-64,000 | 7,119 |
| Income before extraordinary items | $-1,001,000 | 7,094 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,001,000 | 7,093 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,001,000 | 7,094 |
| Net charge-offs | $3,325,000 | 760 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $49,000 | 680 |
| Net operating income | $-1,001,000 | 7,066 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $5,679,000 | 1,425 |
| Total interest expense | $1,361,000 | 1,737 |
| Net interest income | $4,318,000 | 1,330 |
| Provision for loan and lease losses | $1,995,000 | 765 |
| Total noninterest income | $159,000 | 4,142 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $50,000 | 4,477 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $109,000 | 3,348 |
| Total noninterest expense | $1,813,000 | 2,680 |
| Salaries and employee benefits | $1,073,000 | 2,296 |
| Premises and equipment expense | $145,000 | 3,969 |
| Additional noninterest expense | $595,000 | 2,727 |
| Pre-tax net operating income | $669,000 | 1,901 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $141,000 | 1,791 |
| Income before extraordinary items | $528,000 | 2,046 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $528,000 | 2,045 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $528,000 | 2,046 |
| Net charge-offs | $1,251,000 | 886 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 592 |
| Net operating income | $528,000 | 1,965 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $23,994,000 | 1,440 |
| Total interest expense | $8,496,000 | 1,415 |
| Net interest income | $15,498,000 | 1,438 |
| Provision for loan and lease losses | $4,778,000 | 1,473 |
| Total noninterest income | $465,000 | 4,860 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $208,000 | 4,582 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $257,000 | 4,227 |
| Total noninterest expense | $7,343,000 | 2,677 |
| Salaries and employee benefits | $4,394,000 | 2,236 |
| Premises and equipment expense | $623,000 | 3,776 |
| Additional noninterest expense | $2,326,000 | 2,926 |
| Pre-tax net operating income | $3,842,000 | 1,073 |
| Securities gains (losses) | $480,000 | 910 |
| Applicable income taxes | $1,568,000 | 680 |
| Income before extraordinary items | $2,754,000 | 1,200 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,754,000 | 1,200 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $2,754,000 | 1,199 |
| Net charge-offs | $2,078,000 | 1,983 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $1,319,000 | 390 |
| Net operating income | $2,446,800 | 1,338 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $18,017,000 | 1,458 |
| Total interest expense | $6,875,000 | 1,371 |
| Net interest income | $11,142,000 | 1,511 |
| Provision for loan and lease losses | $2,283,000 | 1,758 |
| Total noninterest income | $310,000 | 5,135 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $160,000 | 4,549 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $150,000 | 4,762 |
| Total noninterest expense | $5,532,000 | 2,673 |
| Salaries and employee benefits | $3,307,000 | 2,253 |
| Premises and equipment expense | $454,000 | 3,891 |
| Additional noninterest expense | $1,771,000 | 2,844 |
| Pre-tax net operating income | $3,637,000 | 917 |
| Securities gains (losses) | $106,000 | 1,790 |
| Applicable income taxes | $1,305,000 | 676 |
| Income before extraordinary items | $2,438,000 | 1,118 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $2,438,000 | 1,116 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $2,438,000 | 1,118 |
| Net charge-offs | $693,000 | 2,643 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $1,268,000 | 324 |
| Net operating income | $2,369,100 | 1,126 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $11,962,000 | 1,496 |
| Total interest expense | $4,986,000 | 1,326 |
| Net interest income | $6,976,000 | 1,612 |
| Provision for loan and lease losses | $1,228,000 | 1,841 |
| Total noninterest income | $146,000 | 5,764 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $112,000 | 4,425 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $34,000 | 6,268 |
| Total noninterest expense | $3,630,000 | 2,741 |
| Salaries and employee benefits | $2,245,000 | 2,247 |
| Premises and equipment expense | $308,000 | 3,857 |
| Additional noninterest expense | $1,077,000 | 3,099 |
| Pre-tax net operating income | $2,264,000 | 1,004 |
| Securities gains (losses) | $98,000 | 1,509 |
| Applicable income taxes | $859,000 | 704 |
| Income before extraordinary items | $1,503,000 | 1,255 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,503,000 | 1,253 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,503,000 | 1,254 |
| Net charge-offs | $427,000 | 2,530 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $1,241,000 | 265 |
| Net operating income | $1,440,280 | 1,271 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,943,000 | 1,528 |
| Total interest expense | $2,697,000 | 1,269 |
| Net interest income | $3,246,000 | 1,706 |
| Provision for loan and lease losses | $580,000 | 1,646 |
| Total noninterest income | $170,000 | 4,131 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $52,000 | 4,522 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $118,000 | 3,391 |
| Total noninterest expense | $1,716,000 | 2,795 |
| Salaries and employee benefits | $1,158,000 | 2,199 |
| Premises and equipment expense | $159,000 | 3,817 |
| Additional noninterest expense | $399,000 | 3,582 |
| Pre-tax net operating income | $1,120,000 | 1,146 |
| Securities gains (losses) | $-122,000 | 8,002 |
| Applicable income taxes | $360,000 | 900 |
| Income before extraordinary items | $638,000 | 1,687 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $638,000 | 1,688 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $638,000 | 1,689 |
| Net charge-offs | $7,000 | 4,941 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 547 |
| Net operating income | $716,080 | 1,438 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $25,785,000 | 1,502 |
| Total interest expense | $12,230,000 | 1,331 |
| Net interest income | $13,555,000 | 1,641 |
| Provision for loan and lease losses | $377,000 | 4,228 |
| Total noninterest income | $624,000 | 4,380 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $178,000 | 5,005 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $446,000 | 3,394 |
| Total noninterest expense | $7,420,000 | 2,551 |
| Salaries and employee benefits | $5,041,000 | 2,004 |
| Premises and equipment expense | $653,000 | 3,679 |
| Additional noninterest expense | $1,726,000 | 3,244 |
| Pre-tax net operating income | $6,382,000 | 876 |
| Securities gains (losses) | $2,000 | 2,962 |
| Applicable income taxes | $2,276,000 | 602 |
| Income before extraordinary items | $4,108,000 | 1,006 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,108,000 | 1,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,155 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $499,000 | 561 |
| Net operating income | $4,106,720 | 1,076 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $19,568,000 | 1,528 |
| Total interest expense | $9,194,000 | 1,384 |
| Net interest income | $10,374,000 | 1,626 |
| Provision for loan and lease losses | $178,000 | 4,403 |
| Total noninterest income | $472,000 | 4,459 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $117,000 | 5,275 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $355,000 | 3,385 |
| Total noninterest expense | $5,659,000 | 2,496 |
| Salaries and employee benefits | $3,832,000 | 2,005 |
| Premises and equipment expense | $502,000 | 3,623 |
| Additional noninterest expense | $1,325,000 | 3,091 |
| Pre-tax net operating income | $5,009,000 | 1,015 |
| Securities gains (losses) | $2,000 | 2,845 |
| Applicable income taxes | $1,811,000 | 703 |
| Income before extraordinary items | $3,200,000 | 1,153 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,200,000 | 1,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $328,000 | 473 |
| Net operating income | $3,198,720 | 1,228 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $13,130,000 | 1,543 |
| Total interest expense | $6,325,000 | 1,392 |
| Net interest income | $6,805,000 | 1,654 |
| Provision for loan and lease losses | $42,000 | 5,347 |
| Total noninterest income | $314,000 | 4,526 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $76,000 | 5,344 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $238,000 | 3,443 |
| Total noninterest expense | $3,757,000 | 2,516 |
| Salaries and employee benefits | $2,537,000 | 2,040 |
| Premises and equipment expense | $346,000 | 3,580 |
| Additional noninterest expense | $874,000 | 3,094 |
| Pre-tax net operating income | $3,320,000 | 1,075 |
| Securities gains (losses) | $2,000 | 2,957 |
| Applicable income taxes | $1,268,000 | 766 |
| Income before extraordinary items | $2,054,000 | 1,341 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,054,000 | 1,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $111,000 | 553 |
| Net operating income | $2,052,720 | 1,315 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,728,000 | 1,549 |
| Total interest expense | $3,394,000 | 1,386 |
| Net interest income | $3,334,000 | 1,666 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $155,000 | 4,541 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $38,000 | 5,321 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $117,000 | 3,478 |
| Total noninterest expense | $1,843,000 | 2,551 |
| Salaries and employee benefits | $1,259,000 | 2,079 |
| Premises and equipment expense | $170,000 | 3,639 |
| Additional noninterest expense | $414,000 | 3,210 |
| Pre-tax net operating income | $1,646,000 | 1,153 |
| Securities gains (losses) | $2,000 | 2,447 |
| Applicable income taxes | $676,000 | 811 |
| Income before extraordinary items | $972,000 | 1,536 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $972,000 | 1,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,796 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 520 |
| Net operating income | $970,720 | 1,484 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $28,058,000 | 1,534 |
| Total interest expense | $14,391,000 | 1,395 |
| Net interest income | $13,667,000 | 1,651 |
| Provision for loan and lease losses | $430,000 | 2,580 |
| Total noninterest income | $615,000 | 4,587 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $165,000 | 5,259 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $450,000 | 3,507 |
| Total noninterest expense | $7,258,000 | 2,501 |
| Salaries and employee benefits | $4,862,000 | 2,077 |
| Premises and equipment expense | $660,000 | 3,591 |
| Additional noninterest expense | $1,736,000 | 3,034 |
| Pre-tax net operating income | $6,594,000 | 1,284 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,228,000 | 1,039 |
| Income before extraordinary items | $4,366,000 | 1,467 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,366,000 | 1,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,544 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $242,000 | 702 |
| Net operating income | $4,366,000 | 1,452 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $20,859,000 | 1,554 |
| Total interest expense | $10,684,000 | 1,408 |
| Net interest income | $10,175,000 | 1,672 |
| Provision for loan and lease losses | $309,000 | 2,274 |
| Total noninterest income | $464,000 | 4,581 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $132,000 | 5,168 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $332,000 | 3,558 |
| Total noninterest expense | $5,385,000 | 2,516 |
| Salaries and employee benefits | $3,657,000 | 2,067 |
| Premises and equipment expense | $505,000 | 3,526 |
| Additional noninterest expense | $1,223,000 | 3,141 |
| Pre-tax net operating income | $4,945,000 | 1,366 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,770,000 | 1,063 |
| Income before extraordinary items | $3,175,000 | 1,593 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,175,000 | 1,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,682 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $218,000 | 572 |
| Net operating income | $3,175,000 | 1,580 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $13,523,000 | 1,610 |
| Total interest expense | $6,932,000 | 1,439 |
| Net interest income | $6,591,000 | 1,742 |
| Provision for loan and lease losses | $192,000 | 2,225 |
| Total noninterest income | $289,000 | 4,756 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $81,000 | 5,338 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $208,000 | 3,702 |
| Total noninterest expense | $3,434,000 | 2,640 |
| Salaries and employee benefits | $2,358,000 | 2,172 |
| Premises and equipment expense | $341,000 | 3,521 |
| Additional noninterest expense | $735,000 | 3,419 |
| Pre-tax net operating income | $3,254,000 | 1,438 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,201,000 | 1,109 |
| Income before extraordinary items | $2,053,000 | 1,685 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,053,000 | 1,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,861 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $182,000 | 467 |
| Net operating income | $2,053,000 | 1,663 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,557,000 | 1,654 |
| Total interest expense | $3,410,000 | 1,451 |
| Net interest income | $3,147,000 | 1,827 |
| Provision for loan and lease losses | $128,000 | 1,681 |
| Total noninterest income | $148,000 | 4,668 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $48,000 | 4,963 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $100,000 | 3,771 |
| Total noninterest expense | $1,644,000 | 2,751 |
| Salaries and employee benefits | $1,148,000 | 2,241 |
| Premises and equipment expense | $165,000 | 3,612 |
| Additional noninterest expense | $331,000 | 3,674 |
| Pre-tax net operating income | $1,523,000 | 1,525 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $521,000 | 1,247 |
| Income before extraordinary items | $1,002,000 | 1,713 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,002,000 | 1,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,588 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 442 |
| Net operating income | $1,002,000 | 1,703 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $23,271,000 | 1,735 |
| Total interest expense | $10,700,000 | 1,581 |
| Net interest income | $12,571,000 | 1,832 |
| Provision for loan and lease losses | $447,000 | 2,092 |
| Total noninterest income | $471,000 | 5,261 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $175,000 | 5,239 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $296,000 | 4,323 |
| Total noninterest expense | $6,542,000 | 2,676 |
| Salaries and employee benefits | $4,386,000 | 2,228 |
| Premises and equipment expense | $731,000 | 3,224 |
| Additional noninterest expense | $1,425,000 | 3,429 |
| Pre-tax net operating income | $6,053,000 | 1,586 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,196,000 | 1,236 |
| Income before extraordinary items | $3,857,000 | 1,847 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,857,000 | 1,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 3,727 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $474,000 | 616 |
| Net operating income | $3,857,000 | 1,827 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $16,976,000 | 1,773 |
| Total interest expense | $7,538,000 | 1,631 |
| Net interest income | $9,438,000 | 1,846 |
| Provision for loan and lease losses | $312,000 | 2,094 |
| Total noninterest income | $313,000 | 5,546 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $134,000 | 5,249 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $179,000 | 4,770 |
| Total noninterest expense | $4,879,000 | 2,690 |
| Salaries and employee benefits | $3,222,000 | 2,277 |
| Premises and equipment expense | $577,000 | 3,100 |
| Additional noninterest expense | $1,080,000 | 3,398 |
| Pre-tax net operating income | $4,560,000 | 1,627 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,692,000 | 1,272 |
| Income before extraordinary items | $2,868,000 | 1,903 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,868,000 | 1,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 2,867 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 639 |
| Net operating income | $2,868,000 | 1,889 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,971,000 | 1,799 |
| Total interest expense | $4,652,000 | 1,671 |
| Net interest income | $6,319,000 | 1,838 |
| Provision for loan and lease losses | $278,000 | 1,616 |
| Total noninterest income | $158,000 | 6,144 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $93,000 | 5,175 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $65,000 | 5,924 |
| Total noninterest expense | $3,157,000 | 2,777 |
| Salaries and employee benefits | $2,112,000 | 2,324 |
| Premises and equipment expense | $405,000 | 2,972 |
| Additional noninterest expense | $640,000 | 3,727 |
| Pre-tax net operating income | $3,042,000 | 1,628 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,172,000 | 1,225 |
| Income before extraordinary items | $1,870,000 | 1,949 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,870,000 | 1,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 2,198 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $134,000 | 491 |
| Net operating income | $1,870,000 | 1,932 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,204,000 | 1,848 |
| Total interest expense | $2,155,000 | 1,707 |
| Net interest income | $3,049,000 | 1,897 |
| Provision for loan and lease losses | $141,000 | 1,547 |
| Total noninterest income | $73,000 | 6,246 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $41,000 | 5,358 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $32,000 | 5,945 |
| Total noninterest expense | $1,530,000 | 2,829 |
| Salaries and employee benefits | $1,060,000 | 2,327 |
| Premises and equipment expense | $191,000 | 3,125 |
| Additional noninterest expense | $279,000 | 4,128 |
| Pre-tax net operating income | $1,451,000 | 1,670 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $524,000 | 1,342 |
| Income before extraordinary items | $927,000 | 1,921 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $927,000 | 1,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 1,247 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $119,000 | 297 |
| Net operating income | $927,000 | 1,898 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,386,000 | 2,035 |
| Total interest expense | $5,508,000 | 2,032 |
| Net interest income | $10,878,000 | 2,039 |
| Provision for loan and lease losses | $503,000 | 1,886 |
| Total noninterest income | $320,000 | 6,202 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $138,000 | 5,767 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $182,000 | 5,351 |
| Total noninterest expense | $5,579,000 | 2,940 |
| Salaries and employee benefits | $3,468,000 | 2,619 |
| Premises and equipment expense | $823,000 | 2,826 |
| Additional noninterest expense | $1,288,000 | 3,652 |
| Pre-tax net operating income | $5,116,000 | 1,826 |
| Securities gains (losses) | $-2,000 | 7,064 |
| Applicable income taxes | $1,913,000 | 1,415 |
| Income before extraordinary items | $3,201,000 | 2,124 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,201,000 | 2,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,967 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $7,778,000 | 239 |
| Net operating income | $3,202,280 | 2,104 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,578,000 | 2,104 |
| Total interest expense | $3,806,000 | 2,071 |
| Net interest income | $7,772,000 | 2,117 |
| Provision for loan and lease losses | $341,000 | 1,987 |
| Total noninterest income | $218,000 | 6,410 |
| 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 | $136,000 | 5,378 |
| Total noninterest expense | $4,049,000 | 2,995 |
| Salaries and employee benefits | $2,511,000 | 2,658 |
| Premises and equipment expense | $555,000 | 3,068 |
| Additional noninterest expense | $983,000 | 3,547 |
| Pre-tax net operating income | $3,600,000 | 1,943 |
| Securities gains (losses) | $-2,000 | 7,438 |
| Applicable income taxes | $1,368,000 | 1,481 |
| Income before extraordinary items | $2,230,000 | 2,286 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,230,000 | 2,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,295 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $7,641,000 | 169 |
| Net operating income | $2,231,280 | 2,245 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,217,000 | 2,187 |
| Total interest expense | $2,267,000 | 2,171 |
| Net interest income | $4,950,000 | 2,186 |
| Provision for loan and lease losses | $212,000 | 2,047 |
| Total noninterest income | $145,000 | 6,403 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $59,000 | 6,042 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $86,000 | 5,460 |
| Total noninterest expense | $2,602,000 | 3,076 |
| Salaries and employee benefits | $1,631,000 | 2,719 |
| Premises and equipment expense | $322,000 | 3,421 |
| Additional noninterest expense | $649,000 | 3,567 |
| Pre-tax net operating income | $2,281,000 | 1,974 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $858,000 | 1,537 |
| Income before extraordinary items | $1,423,000 | 2,315 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,423,000 | 2,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 2,042 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $7,641,000 | 108 |
| Net operating income | $1,423,000 | 2,285 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,360,000 | 2,299 |
| Total interest expense | $1,035,000 | 2,266 |
| Net interest income | $2,325,000 | 2,312 |
| Provision for loan and lease losses | $38,000 | 3,670 |
| Total noninterest income | $64,000 | 6,628 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $30,000 | 5,982 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $34,000 | 5,945 |
| Total noninterest expense | $1,256,000 | 3,189 |
| Salaries and employee benefits | $795,000 | 2,781 |
| Premises and equipment expense | $132,000 | 4,029 |
| Additional noninterest expense | $329,000 | 3,536 |
| Pre-tax net operating income | $1,095,000 | 2,012 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $412,000 | 1,575 |
| Income before extraordinary items | $683,000 | 2,375 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $683,000 | 2,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 367 |
| Net operating income | $683,000 | 2,339 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,201,000 | 2,549 |
| Total interest expense | $3,008,000 | 2,630 |
| Net interest income | $8,193,000 | 2,490 |
| Provision for loan and lease losses | $325,000 | 2,753 |
| Total noninterest income | $309,000 | 6,338 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $130,000 | 6,047 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $179,000 | 5,335 |
| Total noninterest expense | $4,358,000 | 3,499 |
| Salaries and employee benefits | $2,708,000 | 3,136 |
| Premises and equipment expense | $514,000 | 3,999 |
| Additional noninterest expense | $1,136,000 | 3,916 |
| Pre-tax net operating income | $3,819,000 | 2,131 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,389,000 | 1,701 |
| Income before extraordinary items | $2,430,000 | 2,489 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,430,000 | 2,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,270 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $275,000 | 531 |
| Net operating income | $2,430,000 | 2,437 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,025,000 | 2,624 |
| Total interest expense | $2,146,000 | 2,697 |
| Net interest income | $5,879,000 | 2,564 |
| Provision for loan and lease losses | $248,000 | 2,591 |
| Total noninterest income | $236,000 | 6,342 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $99,000 | 6,071 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $137,000 | 5,322 |
| Total noninterest expense | $3,209,000 | 3,521 |
| Salaries and employee benefits | $1,996,000 | 3,129 |
| Premises and equipment expense | $388,000 | 3,960 |
| Additional noninterest expense | $825,000 | 3,994 |
| Pre-tax net operating income | $2,658,000 | 2,269 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $967,000 | 1,831 |
| Income before extraordinary items | $1,691,000 | 2,686 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,691,000 | 2,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,426 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $275,000 | 408 |
| Net operating income | $1,691,000 | 2,625 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,094,000 | 2,738 |
| Total interest expense | $1,331,000 | 2,831 |
| Net interest income | $3,763,000 | 2,635 |
| Provision for loan and lease losses | $161,000 | 2,585 |
| Total noninterest income | $150,000 | 6,460 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $74,000 | 5,866 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $76,000 | 5,692 |
| Total noninterest expense | $1,989,000 | 3,749 |
| Salaries and employee benefits | $1,273,000 | 3,283 |
| Premises and equipment expense | $273,000 | 3,808 |
| Additional noninterest expense | $443,000 | 4,730 |
| Pre-tax net operating income | $1,763,000 | 2,274 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $676,000 | 1,751 |
| Income before extraordinary items | $1,087,000 | 2,741 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,087,000 | 2,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,672 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $130,000 | 384 |
| Net operating income | $1,087,000 | 2,663 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,475,000 | 2,819 |
| Total interest expense | $667,000 | 2,861 |
| Net interest income | $1,808,000 | 2,742 |
| Provision for loan and lease losses | $59,000 | 3,120 |
| Total noninterest income | $69,000 | 6,593 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $35,000 | 5,922 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $34,000 | 5,872 |
| Total noninterest expense | $998,000 | 3,767 |
| Salaries and employee benefits | $637,000 | 3,293 |
| Premises and equipment expense | $129,000 | 4,010 |
| Additional noninterest expense | $232,000 | 4,564 |
| Pre-tax net operating income | $820,000 | 2,376 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $298,000 | 1,944 |
| Income before extraordinary items | $522,000 | 2,839 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $522,000 | 2,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $126,000 | 236 |
| Net operating income | $522,000 | 2,738 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,611,000 | 2,945 |
| Total interest expense | $2,751,000 | 3,103 |
| Net interest income | $6,860,000 | 2,810 |
| Provision for loan and lease losses | $318,000 | 3,034 |
| Total noninterest income | $333,000 | 6,363 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $121,000 | 6,263 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $212,000 | 5,175 |
| Total noninterest expense | $3,776,000 | 3,867 |
| Salaries and employee benefits | $2,345,000 | 3,445 |
| Premises and equipment expense | $517,000 | 3,967 |
| Additional noninterest expense | $914,000 | 4,568 |
| Pre-tax net operating income | $3,099,000 | 2,435 |
| Securities gains (losses) | $-25,000 | 8,894 |
| Applicable income taxes | $1,055,000 | 2,103 |
| Income before extraordinary items | $2,019,000 | 2,848 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,019,000 | 2,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $313,000 | 540 |
| Net operating income | $2,035,500 | 2,704 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,110,000 | 3,019 |
| Total interest expense | $2,056,000 | 3,221 |
| Net interest income | $5,054,000 | 2,869 |
| Provision for loan and lease losses | $213,000 | 3,231 |
| Total noninterest income | $261,000 | 6,310 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $91,000 | 6,296 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $170,000 | 5,101 |
| Total noninterest expense | $2,846,000 | 3,852 |
| Salaries and employee benefits | $1,697,000 | 3,525 |
| Premises and equipment expense | $404,000 | 3,822 |
| Additional noninterest expense | $745,000 | 4,281 |
| Pre-tax net operating income | $2,256,000 | 2,585 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $808,000 | 2,193 |
| Income before extraordinary items | $1,448,000 | 3,041 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,448,000 | 3,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 511 |
| Net operating income | $1,448,000 | 2,893 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,746,000 | 3,036 |
| Total interest expense | $1,407,000 | 3,230 |
| Net interest income | $3,339,000 | 2,896 |
| Provision for loan and lease losses | $165,000 | 2,855 |
| Total noninterest income | $152,000 | 6,610 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $62,000 | 6,251 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $90,000 | 5,513 |
| Total noninterest expense | $1,849,000 | 3,917 |
| Salaries and employee benefits | $1,130,000 | 3,529 |
| Premises and equipment expense | $279,000 | 3,707 |
| Additional noninterest expense | $440,000 | 4,671 |
| Pre-tax net operating income | $1,477,000 | 2,633 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $534,000 | 2,233 |
| Income before extraordinary items | $943,000 | 3,099 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $943,000 | 3,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 389 |
| Net operating income | $943,000 | 2,938 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,340,000 | 3,085 |
| Total interest expense | $715,000 | 3,256 |
| Net interest income | $1,625,000 | 2,942 |
| Provision for loan and lease losses | $80,000 | 2,724 |
| Total noninterest income | $71,000 | 6,688 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $30,000 | 6,255 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $41,000 | 5,651 |
| Total noninterest expense | $908,000 | 3,967 |
| Salaries and employee benefits | $564,000 | 3,535 |
| Premises and equipment expense | $129,000 | 3,947 |
| Additional noninterest expense | $215,000 | 4,716 |
| Pre-tax net operating income | $708,000 | 2,713 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $249,000 | 2,325 |
| Income before extraordinary items | $459,000 | 3,138 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $459,000 | 3,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 251 |
| Net operating income | $459,000 | 2,978 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,945,000 | 3,316 |
| Total interest expense | $2,755,000 | 3,794 |
| Net interest income | $6,190,000 | 3,062 |
| Provision for loan and lease losses | $855,000 | 1,539 |
| Total noninterest income | $223,000 | 7,087 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $118,000 | 6,284 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $105,000 | 6,345 |
| Total noninterest expense | $3,573,000 | 3,890 |
| Salaries and employee benefits | $2,030,000 | 3,685 |
| Premises and equipment expense | $566,000 | 3,588 |
| Additional noninterest expense | $977,000 | 4,257 |
| Pre-tax net operating income | $1,985,000 | 3,447 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $475,000 | 3,557 |
| Income before extraordinary items | $1,510,000 | 3,482 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,510,000 | 3,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,742 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 694 |
| Net operating income | $1,510,000 | 3,380 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,375,000 | 3,868 |
| Total interest expense | $3,886,000 | 3,894 |
| Net interest income | $4,489,000 | 3,772 |
| Provision for loan and lease losses | $604,000 | 1,888 |
| Total noninterest income | $177,000 | 7,554 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $93,000 | 6,705 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $84,000 | 6,788 |
| Total noninterest expense | $3,278,000 | 4,041 |
| Salaries and employee benefits | $1,715,000 | 4,071 |
| Premises and equipment expense | $490,000 | 3,943 |
| Additional noninterest expense | $1,073,000 | 3,842 |
| Pre-tax net operating income | $784,000 | 5,540 |
| Securities gains (losses) | $86,000 | 1,877 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $870,000 | 4,654 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $870,000 | 4,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $784,000 | 4,806 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,924,000 | 5,130 |
| Total interest expense | $2,812,000 | 5,168 |
| Net interest income | $3,112,000 | 5,018 |
| Provision for loan and lease losses | $471,000 | 1,994 |
| Total noninterest income | $87,000 | 8,775 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 7,680 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 8,200 |
| Total noninterest expense | $2,559,000 | 4,780 |
| Salaries and employee benefits | $1,436,000 | 4,519 |
| Premises and equipment expense | $458,000 | 4,074 |
| Additional noninterest expense | $665,000 | 5,380 |
| Pre-tax net operating income | $169,000 | 8,503 |
| Securities gains (losses) | $-54,000 | 9,228 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $115,000 | 8,610 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $115,000 | 8,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $169,000 | 8,297 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,960,000 | 8,554 |
| Total interest expense | $669,000 | 9,014 |
| Net interest income | $1,291,000 | 8,005 |
| Provision for loan and lease losses | $429,000 | 1,986 |
| Total noninterest income | $38,000 | 9,757 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 8,610 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 9,087 |
| Total noninterest expense | $2,221,000 | 5,294 |
| Salaries and employee benefits | $1,021,000 | 5,798 |
| Premises and equipment expense | $390,000 | 4,632 |
| Additional noninterest expense | $810,000 | 4,738 |
| Pre-tax net operating income | $-1,321,000 | 10,110 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-1,321,000 | 10,119 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,321,000 | 10,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $11,007,000 | 63 |
| Net operating income | $-1,321,000 | 10,113 |
* 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.