Home > First United Bank > Income and Expense
First United Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,820,000 | 2,721 |
| Total interest expense | $855,000 | 2,634 |
| Net interest income | $3,965,000 | 2,737 |
| Provision for loan and lease losses | $3,366,000 | 415 |
| Total noninterest income | $990,000 | 2,170 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $459,000 | 1,524 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $531,000 | 2,254 |
| Total noninterest expense | $5,747,000 | 1,690 |
| Salaries and employee benefits | $2,675,000 | 1,874 |
| Premises and equipment expense | $820,000 | 1,446 |
| Additional noninterest expense | $2,252,000 | 1,505 |
| Pre-tax net operating income | $-4,158,000 | 7,172 |
| Securities gains (losses) | $207,000 | 1,077 |
| Applicable income taxes | $-11,000 | 6,837 |
| Income before extraordinary items | $-3,940,000 | 7,174 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,940,000 | 7,174 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-3,940,000 | 7,174 |
| Net charge-offs | $1,003,000 | 1,135 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-4,147,000 | 7,171 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,513,000 | 2,643 |
| Total interest expense | $470,000 | 2,516 |
| Net interest income | $2,043,000 | 2,670 |
| Provision for loan and lease losses | $2,589,000 | 284 |
| Total noninterest income | $553,000 | 2,008 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $232,000 | 1,500 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $321,000 | 2,028 |
| Total noninterest expense | $2,936,000 | 1,644 |
| Salaries and employee benefits | $1,376,000 | 1,823 |
| Premises and equipment expense | $421,000 | 1,421 |
| Additional noninterest expense | $1,139,000 | 1,483 |
| Pre-tax net operating income | $-2,929,000 | 7,268 |
| Securities gains (losses) | $6,000 | 1,875 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-2,923,000 | 7,267 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,923,000 | 7,267 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-2,923,000 | 7,267 |
| Net charge-offs | $595,000 | 979 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-2,929,000 | 7,266 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $13,230,000 | 2,107 |
| Total interest expense | $2,793,000 | 2,082 |
| Net interest income | $10,437,000 | 2,092 |
| Provision for loan and lease losses | $9,012,000 | 456 |
| Total noninterest income | $827,000 | 3,454 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,005,000 | 1,473 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-178,000 | 6,941 |
| Total noninterest expense | $11,413,000 | 1,690 |
| Salaries and employee benefits | $5,377,000 | 1,812 |
| Premises and equipment expense | $1,657,000 | 1,498 |
| Additional noninterest expense | $4,379,000 | 1,558 |
| Pre-tax net operating income | $-9,161,000 | 7,194 |
| Securities gains (losses) | $2,388,000 | 205 |
| Applicable income taxes | $344,000 | 2,400 |
| Income before extraordinary items | $-7,117,000 | 7,146 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-7,117,000 | 7,144 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-7,117,000 | 7,147 |
| Net charge-offs | $9,294,000 | 497 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-9,505,000 | 7,200 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $10,399,000 | 2,038 |
| Total interest expense | $2,221,000 | 2,063 |
| Net interest income | $8,178,000 | 2,015 |
| Provision for loan and lease losses | $7,700,000 | 401 |
| Total noninterest income | $299,000 | 4,828 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $742,000 | 1,495 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-443,000 | 7,221 |
| Total noninterest expense | $8,693,000 | 1,670 |
| Salaries and employee benefits | $4,099,000 | 1,779 |
| Premises and equipment expense | $1,318,000 | 1,438 |
| Additional noninterest expense | $3,276,000 | 1,558 |
| Pre-tax net operating income | $-7,916,000 | 7,307 |
| Securities gains (losses) | $756,000 | 450 |
| Applicable income taxes | $28,000 | 3,907 |
| Income before extraordinary items | $-7,188,000 | 7,303 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-7,188,000 | 7,303 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-7,188,000 | 7,303 |
| Net charge-offs | $9,305,000 | 371 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-7,944,000 | 7,308 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,068,000 | 2,023 |
| Total interest expense | $1,544,000 | 2,059 |
| Net interest income | $5,524,000 | 1,988 |
| Provision for loan and lease losses | $2,450,000 | 789 |
| Total noninterest income | $1,147,000 | 1,807 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $476,000 | 1,528 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $671,000 | 1,755 |
| Total noninterest expense | $5,753,000 | 1,702 |
| Salaries and employee benefits | $2,734,000 | 1,793 |
| Premises and equipment expense | $867,000 | 1,456 |
| Additional noninterest expense | $2,152,000 | 1,602 |
| Pre-tax net operating income | $-1,532,000 | 7,106 |
| Securities gains (losses) | $160,000 | 850 |
| Applicable income taxes | $28,000 | 3,676 |
| Income before extraordinary items | $-1,400,000 | 7,114 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,400,000 | 7,115 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-1,400,000 | 7,115 |
| Net charge-offs | $2,734,000 | 743 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-1,560,000 | 7,136 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,617,000 | 1,987 |
| Total interest expense | $816,000 | 2,020 |
| Net interest income | $2,801,000 | 1,961 |
| Provision for loan and lease losses | $1,300,000 | 714 |
| Total noninterest income | $640,000 | 1,673 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $219,000 | 1,613 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $421,000 | 1,517 |
| Total noninterest expense | $2,956,000 | 1,679 |
| Salaries and employee benefits | $1,336,000 | 1,858 |
| Premises and equipment expense | $443,000 | 1,452 |
| Additional noninterest expense | $1,177,000 | 1,481 |
| Pre-tax net operating income | $-815,000 | 7,217 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $28,000 | 3,232 |
| Income before extraordinary items | $-843,000 | 7,260 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-843,000 | 7,261 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-843,000 | 7,261 |
| Net charge-offs | $613,000 | 1,174 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-843,000 | 7,248 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $16,800,000 | 1,801 |
| Total interest expense | $4,915,000 | 1,680 |
| Net interest income | $11,885,000 | 1,850 |
| Provision for loan and lease losses | $12,872,000 | 539 |
| Total noninterest income | $745,000 | 3,801 |
| Gross Fiduciary activities income | $9,000 | 1,166 |
| Service charges on deposit accounts | $1,100,000 | 1,385 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-364,000 | 7,363 |
| Total noninterest expense | $12,498,000 | 1,591 |
| Salaries and employee benefits | $5,545,000 | 1,750 |
| Premises and equipment expense | $1,827,000 | 1,405 |
| Additional noninterest expense | $5,126,000 | 1,417 |
| Pre-tax net operating income | $-12,740,000 | 7,416 |
| Securities gains (losses) | $110,000 | 2,083 |
| Applicable income taxes | $-25,000 | 6,644 |
| Income before extraordinary items | $-12,605,000 | 7,438 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-12,605,000 | 7,438 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-12,605,000 | 7,438 |
| Net charge-offs | $3,572,000 | 1,310 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-12,715,000 | 7,428 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $13,119,000 | 1,769 |
| Total interest expense | $3,907,000 | 1,656 |
| Net interest income | $9,212,000 | 1,825 |
| Provision for loan and lease losses | $8,650,000 | 562 |
| Total noninterest income | $964,000 | 2,800 |
| Gross Fiduciary activities income | $9,000 | 1,113 |
| Service charges on deposit accounts | $847,000 | 1,392 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $108,000 | 5,112 |
| Total noninterest expense | $9,140,000 | 1,618 |
| Salaries and employee benefits | $4,300,000 | 1,711 |
| Premises and equipment expense | $1,367,000 | 1,424 |
| Additional noninterest expense | $3,473,000 | 1,528 |
| Pre-tax net operating income | $-7,614,000 | 7,496 |
| Securities gains (losses) | $93,000 | 1,997 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-7,521,000 | 7,528 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-7,521,000 | 7,528 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-7,521,000 | 7,528 |
| Net charge-offs | $3,541,000 | 1,000 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-7,614,000 | 7,517 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $8,993,000 | 1,745 |
| Total interest expense | $2,769,000 | 1,630 |
| Net interest income | $6,224,000 | 1,795 |
| Provision for loan and lease losses | $8,050,000 | 424 |
| Total noninterest income | $980,000 | 2,083 |
| Gross Fiduciary activities income | $9,000 | 1,074 |
| Service charges on deposit accounts | $564,000 | 1,389 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $407,000 | 2,397 |
| Total noninterest expense | $6,097,000 | 1,618 |
| Salaries and employee benefits | $2,978,000 | 1,657 |
| Premises and equipment expense | $927,000 | 1,424 |
| Additional noninterest expense | $2,192,000 | 1,602 |
| Pre-tax net operating income | $-6,943,000 | 7,619 |
| Securities gains (losses) | $78,000 | 1,599 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-6,865,000 | 7,643 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-6,865,000 | 7,643 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-6,865,000 | 7,643 |
| Net charge-offs | $2,942,000 | 845 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-6,943,000 | 7,641 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,614,000 | 1,744 |
| Total interest expense | $1,527,000 | 1,551 |
| Net interest income | $3,087,000 | 1,836 |
| Provision for loan and lease losses | $450,000 | 1,922 |
| Total noninterest income | $649,000 | 1,690 |
| Gross Fiduciary activities income | $9,000 | 991 |
| Service charges on deposit accounts | $277,000 | 1,416 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $363,000 | 1,610 |
| Total noninterest expense | $3,109,000 | 1,613 |
| Salaries and employee benefits | $1,562,000 | 1,609 |
| Premises and equipment expense | $470,000 | 1,452 |
| Additional noninterest expense | $1,077,000 | 1,631 |
| Pre-tax net operating income | $177,000 | 4,289 |
| Securities gains (losses) | $56,000 | 1,095 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $233,000 | 3,614 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $233,000 | 3,611 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $233,000 | 3,613 |
| Net charge-offs | $138,000 | 2,810 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $177,000 | 4,002 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $21,278,000 | 1,606 |
| Total interest expense | $8,581,000 | 1,399 |
| Net interest income | $12,697,000 | 1,757 |
| Provision for loan and lease losses | $12,143,000 | 736 |
| Total noninterest income | $3,016,000 | 1,605 |
| Gross Fiduciary activities income | $35,000 | 1,008 |
| Service charges on deposit accounts | $1,359,000 | 1,270 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,622,000 | 1,577 |
| Total noninterest expense | $12,733,000 | 1,616 |
| Salaries and employee benefits | $6,620,000 | 1,511 |
| Premises and equipment expense | $1,883,000 | 1,441 |
| Additional noninterest expense | $4,230,000 | 1,768 |
| Pre-tax net operating income | $-9,163,000 | 7,455 |
| Securities gains (losses) | $489,000 | 895 |
| Applicable income taxes | $723,000 | 1,216 |
| Income before extraordinary items | $-9,397,000 | 7,531 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-9,397,000 | 7,530 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-9,397,000 | 7,530 |
| Net charge-offs | $9,903,000 | 688 |
| Cash dividends | $646,000 | 2,218 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-9,886,000 | 7,557 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $16,665,000 | 1,566 |
| Total interest expense | $6,777,000 | 1,395 |
| Net interest income | $9,888,000 | 1,697 |
| Provision for loan and lease losses | $9,431,000 | 650 |
| Total noninterest income | $2,279,000 | 1,614 |
| Gross Fiduciary activities income | $25,000 | 996 |
| Service charges on deposit accounts | $1,017,000 | 1,272 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,237,000 | 1,587 |
| Total noninterest expense | $9,276,000 | 1,640 |
| Salaries and employee benefits | $5,023,000 | 1,511 |
| Premises and equipment expense | $1,430,000 | 1,434 |
| Additional noninterest expense | $2,823,000 | 1,882 |
| Pre-tax net operating income | $-6,540,000 | 7,595 |
| Securities gains (losses) | $550,000 | 648 |
| Applicable income taxes | $949,000 | 881 |
| Income before extraordinary items | $-6,939,000 | 7,688 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-6,939,000 | 7,687 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-6,939,000 | 7,687 |
| Net charge-offs | $6,847,000 | 656 |
| Cash dividends | $646,000 | 1,710 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-7,489,000 | 7,716 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $11,411,000 | 1,559 |
| Total interest expense | $4,777,000 | 1,393 |
| Net interest income | $6,634,000 | 1,687 |
| Provision for loan and lease losses | $9,431,000 | 465 |
| Total noninterest income | $1,656,000 | 1,534 |
| Gross Fiduciary activities income | $15,000 | 1,015 |
| Service charges on deposit accounts | $671,000 | 1,263 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $970,000 | 1,463 |
| Total noninterest expense | $6,244,000 | 1,654 |
| Salaries and employee benefits | $3,407,000 | 1,518 |
| Premises and equipment expense | $956,000 | 1,469 |
| Additional noninterest expense | $1,881,000 | 1,903 |
| Pre-tax net operating income | $-7,385,000 | 7,845 |
| Securities gains (losses) | $450,000 | 558 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-6,935,000 | 7,876 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-6,935,000 | 7,875 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-6,935,000 | 7,875 |
| Net charge-offs | $1,534,000 | 1,326 |
| Cash dividends | $494,000 | 1,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-7,385,000 | 7,897 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,884,000 | 1,543 |
| Total interest expense | $2,580,000 | 1,336 |
| Net interest income | $3,304,000 | 1,678 |
| Provision for loan and lease losses | $300,000 | 2,285 |
| Total noninterest income | $853,000 | 1,474 |
| Gross Fiduciary activities income | $7,000 | 1,026 |
| Service charges on deposit accounts | $297,000 | 1,390 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $549,000 | 1,311 |
| Total noninterest expense | $3,185,000 | 1,582 |
| Salaries and employee benefits | $1,829,000 | 1,432 |
| Premises and equipment expense | $481,000 | 1,475 |
| Additional noninterest expense | $875,000 | 1,843 |
| Pre-tax net operating income | $672,000 | 1,868 |
| Securities gains (losses) | $24,000 | 1,606 |
| Applicable income taxes | $96,000 | 2,232 |
| Income before extraordinary items | $600,000 | 1,800 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $600,000 | 1,801 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $600,000 | 1,802 |
| Net charge-offs | $486,000 | 1,387 |
| Cash dividends | $228,000 | 1,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $579,360 | 1,749 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $25,734,000 | 1,507 |
| Total interest expense | $12,845,000 | 1,272 |
| Net interest income | $12,889,000 | 1,730 |
| Provision for loan and lease losses | $12,950,000 | 495 |
| Total noninterest income | $3,191,000 | 1,492 |
| Gross Fiduciary activities income | $31,000 | 1,049 |
| Service charges on deposit accounts | $1,367,000 | 1,316 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,793,000 | 1,406 |
| Total noninterest expense | $12,210,000 | 1,604 |
| Salaries and employee benefits | $6,731,000 | 1,540 |
| Premises and equipment expense | $1,731,000 | 1,598 |
| Additional noninterest expense | $3,748,000 | 1,655 |
| Pre-tax net operating income | $-9,080,000 | 7,971 |
| Securities gains (losses) | $-258,000 | 7,396 |
| Applicable income taxes | $-4,348,000 | 8,076 |
| Income before extraordinary items | $-4,990,000 | 7,809 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-4,990,000 | 7,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,713,000 | 342 |
| Cash dividends | $1,710,000 | 1,550 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-4,824,880 | 7,856 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $20,303,000 | 1,466 |
| Total interest expense | $9,908,000 | 1,284 |
| Net interest income | $10,395,000 | 1,621 |
| Provision for loan and lease losses | $10,690,000 | 387 |
| Total noninterest income | $2,341,000 | 1,572 |
| Gross Fiduciary activities income | $23,000 | 1,036 |
| Service charges on deposit accounts | $1,038,000 | 1,305 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,280,000 | 1,515 |
| Total noninterest expense | $9,225,000 | 1,577 |
| Salaries and employee benefits | $5,265,000 | 1,498 |
| Premises and equipment expense | $1,267,000 | 1,645 |
| Additional noninterest expense | $2,693,000 | 1,656 |
| Pre-tax net operating income | $-7,179,000 | 8,188 |
| Securities gains (losses) | $-280,000 | 7,654 |
| Applicable income taxes | $-3,433,000 | 8,238 |
| Income before extraordinary items | $-4,026,000 | 8,088 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-4,026,000 | 8,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 3,320 |
| Cash dividends | $1,482,000 | 1,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-3,846,800 | 8,126 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $13,614,000 | 1,483 |
| Total interest expense | $6,821,000 | 1,287 |
| Net interest income | $6,793,000 | 1,656 |
| Provision for loan and lease losses | $3,190,000 | 578 |
| Total noninterest income | $1,500,000 | 1,652 |
| Gross Fiduciary activities income | $16,000 | 1,047 |
| Service charges on deposit accounts | $665,000 | 1,340 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $819,000 | 1,617 |
| Total noninterest expense | $6,091,000 | 1,598 |
| Salaries and employee benefits | $3,455,000 | 1,528 |
| Premises and equipment expense | $815,000 | 1,697 |
| Additional noninterest expense | $1,821,000 | 1,616 |
| Pre-tax net operating income | $-988,000 | 7,903 |
| Securities gains (losses) | $50,000 | 1,445 |
| Applicable income taxes | $-720,000 | 8,223 |
| Income before extraordinary items | $-218,000 | 7,428 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-218,000 | 7,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 2,505 |
| Cash dividends | $532,000 | 2,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-250,000 | 7,453 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,930,000 | 1,484 |
| Total interest expense | $3,714,000 | 1,264 |
| Net interest income | $3,216,000 | 1,731 |
| Provision for loan and lease losses | $90,000 | 2,858 |
| Total noninterest income | $697,000 | 1,762 |
| Gross Fiduciary activities income | $7,000 | 1,068 |
| Service charges on deposit accounts | $336,000 | 1,304 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $354,000 | 1,766 |
| Total noninterest expense | $2,945,000 | 1,650 |
| Salaries and employee benefits | $1,712,000 | 1,553 |
| Premises and equipment expense | $407,000 | 1,694 |
| Additional noninterest expense | $826,000 | 1,719 |
| Pre-tax net operating income | $878,000 | 2,006 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $165,000 | 2,201 |
| Income before extraordinary items | $713,000 | 2,004 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $713,000 | 2,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,920 |
| Cash dividends | $228,000 | 2,184 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $713,000 | 1,944 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $30,220,000 | 1,422 |
| Total interest expense | $15,958,000 | 1,245 |
| Net interest income | $14,262,000 | 1,586 |
| Provision for loan and lease losses | $195,000 | 3,917 |
| Total noninterest income | $2,980,000 | 1,651 |
| Gross Fiduciary activities income | $31,000 | 1,086 |
| Service charges on deposit accounts | $1,499,000 | 1,180 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,450,000 | 1,708 |
| Total noninterest expense | $11,329,000 | 1,624 |
| Salaries and employee benefits | $6,409,000 | 1,579 |
| Premises and equipment expense | $1,613,000 | 1,637 |
| Additional noninterest expense | $3,307,000 | 1,690 |
| Pre-tax net operating income | $5,718,000 | 1,458 |
| Securities gains (losses) | $-4,000 | 7,335 |
| Applicable income taxes | $1,543,000 | 1,395 |
| Income before extraordinary items | $4,171,000 | 1,522 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,171,000 | 1,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,925 |
| Cash dividends | $2,185,000 | 1,523 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,173,920 | 1,508 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $22,877,000 | 1,409 |
| Total interest expense | $11,950,000 | 1,253 |
| Net interest income | $10,927,000 | 1,569 |
| Provision for loan and lease losses | $165,000 | 3,339 |
| Total noninterest income | $2,198,000 | 1,675 |
| Gross Fiduciary activities income | $24,000 | 1,059 |
| Service charges on deposit accounts | $1,107,000 | 1,191 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,067,000 | 1,749 |
| Total noninterest expense | $8,701,000 | 1,567 |
| Salaries and employee benefits | $4,860,000 | 1,559 |
| Premises and equipment expense | $1,214,000 | 1,627 |
| Additional noninterest expense | $2,627,000 | 1,538 |
| Pre-tax net operating income | $4,259,000 | 1,585 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,161,000 | 1,478 |
| Income before extraordinary items | $3,098,000 | 1,629 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,098,000 | 1,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,741 |
| Cash dividends | $2,033,000 | 1,194 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,098,000 | 1,615 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $15,276,000 | 1,424 |
| Total interest expense | $7,918,000 | 1,263 |
| Net interest income | $7,358,000 | 1,580 |
| Provision for loan and lease losses | $135,000 | 2,802 |
| Total noninterest income | $1,427,000 | 1,733 |
| Gross Fiduciary activities income | $17,000 | 1,060 |
| Service charges on deposit accounts | $707,000 | 1,248 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $703,000 | 1,770 |
| Total noninterest expense | $5,810,000 | 1,589 |
| Salaries and employee benefits | $3,234,000 | 1,588 |
| Premises and equipment expense | $817,000 | 1,638 |
| Additional noninterest expense | $1,759,000 | 1,539 |
| Pre-tax net operating income | $2,840,000 | 1,630 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $776,000 | 1,521 |
| Income before extraordinary items | $2,064,000 | 1,674 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,064,000 | 1,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,510 |
| Cash dividends | $1,254,000 | 1,282 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,064,000 | 1,653 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,581,000 | 1,421 |
| Total interest expense | $3,998,000 | 1,231 |
| Net interest income | $3,583,000 | 1,614 |
| Provision for loan and lease losses | $105,000 | 1,929 |
| Total noninterest income | $676,000 | 1,783 |
| Gross Fiduciary activities income | $9,000 | 1,048 |
| Service charges on deposit accounts | $330,000 | 1,308 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $337,000 | 1,802 |
| Total noninterest expense | $2,864,000 | 1,608 |
| Salaries and employee benefits | $1,586,000 | 1,639 |
| Premises and equipment expense | $495,000 | 1,356 |
| Additional noninterest expense | $783,000 | 1,713 |
| Pre-tax net operating income | $1,290,000 | 1,772 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $337,000 | 1,718 |
| Income before extraordinary items | $953,000 | 1,790 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $953,000 | 1,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,195 |
| Cash dividends | $798,000 | 985 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $953,000 | 1,777 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $28,586,000 | 1,395 |
| Total interest expense | $14,125,000 | 1,187 |
| Net interest income | $14,461,000 | 1,585 |
| Provision for loan and lease losses | $515,000 | 1,854 |
| Total noninterest income | $3,216,000 | 1,520 |
| Gross Fiduciary activities income | $34,000 | 1,080 |
| Service charges on deposit accounts | $1,518,000 | 1,166 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,664,000 | 1,540 |
| Total noninterest expense | $10,865,000 | 1,631 |
| Salaries and employee benefits | $5,980,000 | 1,642 |
| Premises and equipment expense | $1,948,000 | 1,326 |
| Additional noninterest expense | $2,937,000 | 1,795 |
| Pre-tax net operating income | $6,297,000 | 1,538 |
| Securities gains (losses) | $2,000 | 1,439 |
| Applicable income taxes | $1,781,000 | 1,457 |
| Income before extraordinary items | $4,518,000 | 1,604 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,518,000 | 1,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,325 |
| Cash dividends | $1,862,000 | 1,643 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,516,560 | 1,589 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $21,046,000 | 1,411 |
| Total interest expense | $10,244,000 | 1,202 |
| Net interest income | $10,802,000 | 1,610 |
| Provision for loan and lease losses | $425,000 | 1,613 |
| Total noninterest income | $2,408,000 | 1,531 |
| Gross Fiduciary activities income | $26,000 | 1,068 |
| Service charges on deposit accounts | $1,126,000 | 1,194 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,256,000 | 1,534 |
| Total noninterest expense | $8,227,000 | 1,630 |
| Salaries and employee benefits | $4,482,000 | 1,650 |
| Premises and equipment expense | $1,494,000 | 1,303 |
| Additional noninterest expense | $2,251,000 | 1,734 |
| Pre-tax net operating income | $4,558,000 | 1,630 |
| Securities gains (losses) | $2,000 | 1,183 |
| Applicable income taxes | $1,282,000 | 1,569 |
| Income before extraordinary items | $3,278,000 | 1,697 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,278,000 | 1,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,924 |
| Cash dividends | $1,558,000 | 1,399 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,276,560 | 1,683 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $13,367,000 | 1,453 |
| Total interest expense | $6,363,000 | 1,230 |
| Net interest income | $7,004,000 | 1,648 |
| Provision for loan and lease losses | $250,000 | 1,756 |
| Total noninterest income | $1,545,000 | 1,595 |
| Gross Fiduciary activities income | $17,000 | 1,094 |
| Service charges on deposit accounts | $718,000 | 1,237 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $810,000 | 1,578 |
| Total noninterest expense | $5,489,000 | 1,631 |
| Salaries and employee benefits | $2,980,000 | 1,661 |
| Premises and equipment expense | $1,010,000 | 1,288 |
| Additional noninterest expense | $1,499,000 | 1,758 |
| Pre-tax net operating income | $2,810,000 | 1,760 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $772,000 | 1,710 |
| Income before extraordinary items | $2,038,000 | 1,792 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,038,000 | 1,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,722 |
| Cash dividends | $836,000 | 1,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,038,000 | 1,780 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,513,000 | 1,453 |
| Total interest expense | $3,034,000 | 1,222 |
| Net interest income | $3,479,000 | 1,653 |
| Provision for loan and lease losses | $90,000 | 2,132 |
| Total noninterest income | $742,000 | 1,621 |
| Gross Fiduciary activities income | $7,000 | 1,113 |
| Service charges on deposit accounts | $325,000 | 1,320 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $410,000 | 1,547 |
| Total noninterest expense | $2,713,000 | 1,649 |
| Salaries and employee benefits | $1,501,000 | 1,660 |
| Premises and equipment expense | $493,000 | 1,314 |
| Additional noninterest expense | $719,000 | 1,818 |
| Pre-tax net operating income | $1,418,000 | 1,709 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $393,000 | 1,681 |
| Income before extraordinary items | $1,025,000 | 1,749 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,025,000 | 1,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,443 |
| Cash dividends | $684,000 | 1,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,025,000 | 1,733 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $21,608,000 | 1,555 |
| Total interest expense | $8,367,000 | 1,358 |
| Net interest income | $13,241,000 | 1,651 |
| Provision for loan and lease losses | $225,000 | 3,375 |
| Total noninterest income | $3,155,000 | 1,540 |
| Gross Fiduciary activities income | $35,000 | 1,102 |
| Service charges on deposit accounts | $1,521,000 | 1,170 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,599,000 | 1,586 |
| Total noninterest expense | $10,089,000 | 1,689 |
| Salaries and employee benefits | $5,302,000 | 1,754 |
| Premises and equipment expense | $1,879,000 | 1,311 |
| Additional noninterest expense | $2,908,000 | 1,740 |
| Pre-tax net operating income | $6,082,000 | 1,569 |
| Securities gains (losses) | $10,000 | 1,476 |
| Applicable income taxes | $1,774,000 | 1,499 |
| Income before extraordinary items | $4,318,000 | 1,632 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,318,000 | 1,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,134 |
| Cash dividends | $1,805,000 | 1,579 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,310,900 | 1,606 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,647,000 | 1,569 |
| Total interest expense | $5,827,000 | 1,378 |
| Net interest income | $9,820,000 | 1,653 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $2,329,000 | 1,559 |
| Gross Fiduciary activities income | $26,000 | 1,083 |
| Service charges on deposit accounts | $1,112,000 | 1,187 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,191,000 | 1,593 |
| Total noninterest expense | $7,689,000 | 1,648 |
| Salaries and employee benefits | $3,973,000 | 1,745 |
| Premises and equipment expense | $1,304,000 | 1,397 |
| Additional noninterest expense | $2,412,000 | 1,556 |
| Pre-tax net operating income | $4,460,000 | 1,604 |
| Securities gains (losses) | $10,000 | 1,474 |
| Applicable income taxes | $1,299,000 | 1,547 |
| Income before extraordinary items | $3,171,000 | 1,662 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,171,000 | 1,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,948 |
| Cash dividends | $1,653,000 | 1,226 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,163,900 | 1,633 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,063,000 | 1,591 |
| Total interest expense | $3,610,000 | 1,394 |
| Net interest income | $6,453,000 | 1,665 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $1,482,000 | 1,612 |
| Gross Fiduciary activities income | $17,000 | 1,086 |
| Service charges on deposit accounts | $718,000 | 1,186 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $747,000 | 1,663 |
| Total noninterest expense | $5,151,000 | 1,640 |
| Salaries and employee benefits | $2,664,000 | 1,728 |
| Premises and equipment expense | $856,000 | 1,414 |
| Additional noninterest expense | $1,631,000 | 1,528 |
| Pre-tax net operating income | $2,784,000 | 1,663 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $783,000 | 1,643 |
| Income before extraordinary items | $2,001,000 | 1,712 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,001,000 | 1,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,447 |
| Cash dividends | $950,000 | 1,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,001,000 | 1,683 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,883,000 | 1,601 |
| Total interest expense | $1,668,000 | 1,431 |
| Net interest income | $3,215,000 | 1,665 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $726,000 | 1,601 |
| Gross Fiduciary activities income | $8,000 | 1,093 |
| Service charges on deposit accounts | $342,000 | 1,197 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $376,000 | 1,619 |
| Total noninterest expense | $2,562,000 | 1,646 |
| Salaries and employee benefits | $1,340,000 | 1,721 |
| Premises and equipment expense | $411,000 | 1,466 |
| Additional noninterest expense | $811,000 | 1,532 |
| Pre-tax net operating income | $1,379,000 | 1,656 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $393,000 | 1,624 |
| Income before extraordinary items | $986,000 | 1,700 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $986,000 | 1,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $760,000 | 841 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $986,000 | 1,667 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $17,204,000 | 1,670 |
| Total interest expense | $5,414,000 | 1,521 |
| Net interest income | $11,790,000 | 1,716 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $2,858,000 | 1,671 |
| Gross Fiduciary activities income | $39,000 | 1,097 |
| Service charges on deposit accounts | $1,151,000 | 1,529 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,668,000 | 1,512 |
| Total noninterest expense | $8,852,000 | 1,828 |
| Salaries and employee benefits | $4,777,000 | 1,836 |
| Premises and equipment expense | $1,446,000 | 1,608 |
| Additional noninterest expense | $2,629,000 | 1,848 |
| Pre-tax net operating income | $5,796,000 | 1,477 |
| Securities gains (losses) | $58,000 | 1,619 |
| Applicable income taxes | $1,717,000 | 1,443 |
| Income before extraordinary items | $4,137,000 | 1,561 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,137,000 | 1,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,177 |
| Cash dividends | $442,000 | 3,756 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,095,820 | 1,536 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $12,604,000 | 1,684 |
| Total interest expense | $3,911,000 | 1,548 |
| Net interest income | $8,693,000 | 1,736 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $2,046,000 | 1,747 |
| Gross Fiduciary activities income | $29,000 | 1,097 |
| Service charges on deposit accounts | $799,000 | 1,654 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,218,000 | 1,546 |
| Total noninterest expense | $6,576,000 | 1,835 |
| Salaries and employee benefits | $3,528,000 | 1,846 |
| Premises and equipment expense | $1,059,000 | 1,649 |
| Additional noninterest expense | $1,989,000 | 1,802 |
| Pre-tax net operating income | $4,163,000 | 1,550 |
| Securities gains (losses) | $58,000 | 1,547 |
| Applicable income taxes | $1,228,000 | 1,510 |
| Income before extraordinary items | $2,993,000 | 1,629 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,993,000 | 1,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,697 |
| Cash dividends | $442,000 | 2,905 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,951,820 | 1,597 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,836,000 | 1,792 |
| Total interest expense | $2,537,000 | 1,566 |
| Net interest income | $5,299,000 | 1,887 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,311,000 | 1,792 |
| Gross Fiduciary activities income | $20,000 | 1,092 |
| Service charges on deposit accounts | $470,000 | 1,857 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $821,000 | 1,525 |
| Total noninterest expense | $4,332,000 | 1,842 |
| Salaries and employee benefits | $2,356,000 | 1,846 |
| Premises and equipment expense | $706,000 | 1,635 |
| Additional noninterest expense | $1,270,000 | 1,882 |
| Pre-tax net operating income | $2,278,000 | 1,843 |
| Securities gains (losses) | $24,000 | 1,931 |
| Applicable income taxes | $630,000 | 1,854 |
| Income before extraordinary items | $1,672,000 | 1,885 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,672,000 | 1,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,320 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,654,480 | 1,855 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,851,000 | 1,829 |
| Total interest expense | $1,255,000 | 1,601 |
| Net interest income | $2,596,000 | 1,920 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $705,000 | 1,655 |
| Gross Fiduciary activities income | $10,000 | 1,098 |
| Service charges on deposit accounts | $230,000 | 1,836 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $465,000 | 1,366 |
| Total noninterest expense | $2,138,000 | 1,875 |
| Salaries and employee benefits | $1,159,000 | 1,897 |
| Premises and equipment expense | $352,000 | 1,667 |
| Additional noninterest expense | $627,000 | 1,877 |
| Pre-tax net operating income | $1,163,000 | 1,772 |
| Securities gains (losses) | $7,000 | 2,210 |
| Applicable income taxes | $325,000 | 1,818 |
| Income before extraordinary items | $845,000 | 1,852 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $845,000 | 1,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,736 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $839,960 | 1,777 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $16,062,000 | 1,772 |
| Total interest expense | $5,439,000 | 1,661 |
| Net interest income | $10,623,000 | 1,842 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $3,242,000 | 1,580 |
| Gross Fiduciary activities income | $40,000 | 1,117 |
| Service charges on deposit accounts | $939,000 | 1,844 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,263,000 | 1,339 |
| Total noninterest expense | $8,059,000 | 1,971 |
| Salaries and employee benefits | $4,377,000 | 1,968 |
| Premises and equipment expense | $1,266,000 | 1,798 |
| Additional noninterest expense | $2,416,000 | 1,987 |
| Pre-tax net operating income | $5,806,000 | 1,423 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,794,000 | 1,391 |
| Income before extraordinary items | $4,012,000 | 1,566 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,012,000 | 1,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 2,309 |
| Cash dividends | $646,000 | 3,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,012,000 | 1,491 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,232,000 | 1,775 |
| Total interest expense | $4,091,000 | 1,721 |
| Net interest income | $8,141,000 | 1,801 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $2,526,000 | 1,568 |
| Gross Fiduciary activities income | $30,000 | 1,110 |
| Service charges on deposit accounts | $694,000 | 1,865 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,802,000 | 1,332 |
| Total noninterest expense | $5,865,000 | 2,018 |
| Salaries and employee benefits | $3,194,000 | 2,015 |
| Premises and equipment expense | $846,000 | 2,031 |
| Additional noninterest expense | $1,825,000 | 1,965 |
| Pre-tax net operating income | $4,802,000 | 1,345 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,561,000 | 1,300 |
| Income before extraordinary items | $3,241,000 | 1,514 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,241,000 | 1,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-85,000 | 9,056 |
| Cash dividends | $342,000 | 3,285 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,241,000 | 1,443 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,018,000 | 1,819 |
| Total interest expense | $2,726,000 | 1,774 |
| Net interest income | $5,292,000 | 1,853 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $1,759,000 | 1,512 |
| Gross Fiduciary activities income | $20,000 | 1,115 |
| Service charges on deposit accounts | $443,000 | 1,913 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,296,000 | 1,259 |
| Total noninterest expense | $3,752,000 | 2,101 |
| Salaries and employee benefits | $2,074,000 | 2,044 |
| Premises and equipment expense | $507,000 | 2,228 |
| Additional noninterest expense | $1,171,000 | 2,044 |
| Pre-tax net operating income | $3,299,000 | 1,298 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,088,000 | 1,281 |
| Income before extraordinary items | $2,211,000 | 1,484 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,211,000 | 1,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-101,000 | 9,127 |
| Cash dividends | $342,000 | 2,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,211,000 | 1,392 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,086,000 | 1,791 |
| Total interest expense | $1,288,000 | 1,920 |
| Net interest income | $2,798,000 | 1,734 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $816,000 | 1,556 |
| Gross Fiduciary activities income | $11,000 | 1,113 |
| Service charges on deposit accounts | $212,000 | 1,930 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $593,000 | 1,317 |
| Total noninterest expense | $1,835,000 | 2,135 |
| Salaries and employee benefits | $992,000 | 2,123 |
| Premises and equipment expense | $241,000 | 2,317 |
| Additional noninterest expense | $602,000 | 1,957 |
| Pre-tax net operating income | $1,779,000 | 1,207 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $594,000 | 1,196 |
| Income before extraordinary items | $1,185,000 | 1,383 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,185,000 | 1,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,185,000 | 1,296 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $16,505,000 | 1,867 |
| Total interest expense | $6,535,000 | 1,744 |
| Net interest income | $9,970,000 | 1,946 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $2,289,000 | 1,908 |
| Gross Fiduciary activities income | $39,000 | 1,168 |
| Service charges on deposit accounts | $893,000 | 1,801 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,357,000 | 1,783 |
| Total noninterest expense | $7,051,000 | 2,132 |
| Salaries and employee benefits | $3,586,000 | 2,233 |
| Premises and equipment expense | $918,000 | 2,362 |
| Additional noninterest expense | $2,547,000 | 1,826 |
| Pre-tax net operating income | $5,208,000 | 1,573 |
| Securities gains (losses) | $175,000 | 1,260 |
| Applicable income taxes | $1,825,000 | 1,396 |
| Income before extraordinary items | $3,558,000 | 1,678 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,558,000 | 1,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-107,000 | 9,237 |
| Cash dividends | $285,000 | 4,419 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,442,500 | 1,687 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,773,000 | 2,185 |
| Total interest expense | $7,688,000 | 2,093 |
| Net interest income | $8,085,000 | 2,222 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $1,851,000 | 2,138 |
| Gross Fiduciary activities income | $40,000 | 1,177 |
| Service charges on deposit accounts | $896,000 | 1,692 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $915,000 | 2,180 |
| Total noninterest expense | $6,008,000 | 2,377 |
| Salaries and employee benefits | $3,328,000 | 2,251 |
| Premises and equipment expense | $810,000 | 2,600 |
| Additional noninterest expense | $1,870,000 | 2,389 |
| Pre-tax net operating income | $3,928,000 | 1,798 |
| Securities gains (losses) | $15,000 | 3,362 |
| Applicable income taxes | $1,368,000 | 1,633 |
| Income before extraordinary items | $2,575,000 | 2,029 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,575,000 | 2,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-375,000 | 9,585 |
| Cash dividends | $570,000 | 3,238 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,565,250 | 1,959 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,995,000 | 2,476 |
| Total interest expense | $6,841,000 | 2,457 |
| Net interest income | $7,154,000 | 2,484 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $1,361,000 | 2,525 |
| Gross Fiduciary activities income | $35,000 | 1,093 |
| Service charges on deposit accounts | $845,000 | 1,642 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $481,000 | 3,014 |
| Total noninterest expense | $5,833,000 | 2,344 |
| Salaries and employee benefits | $3,069,000 | 2,333 |
| Premises and equipment expense | $801,000 | 2,564 |
| Additional noninterest expense | $1,963,000 | 2,207 |
| Pre-tax net operating income | $2,682,000 | 2,615 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $867,000 | 2,371 |
| Income before extraordinary items | $1,815,000 | 2,787 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,815,000 | 2,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,373,000 | 9,892 |
| Cash dividends | $285,000 | 4,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,815,000 | 2,785 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,501,000 | 2,606 |
| Total interest expense | $5,613,000 | 2,624 |
| Net interest income | $6,888,000 | 2,548 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $1,155,000 | 2,784 |
| Gross Fiduciary activities income | $41,000 | 1,128 |
| Service charges on deposit accounts | $770,000 | 1,718 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $344,000 | 3,723 |
| Total noninterest expense | $5,505,000 | 2,459 |
| Salaries and employee benefits | $2,826,000 | 2,484 |
| Premises and equipment expense | $731,000 | 2,766 |
| Additional noninterest expense | $1,948,000 | 2,247 |
| Pre-tax net operating income | $2,538,000 | 2,757 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $838,000 | 2,544 |
| Income before extraordinary items | $1,700,000 | 2,935 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,700,000 | 2,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-109,000 | 10,051 |
| Cash dividends | $380,000 | 4,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,700,000 | 2,908 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,952,000 | 2,716 |
| Total interest expense | $5,130,000 | 2,916 |
| Net interest income | $6,822,000 | 2,483 |
| Provision for loan and lease losses | $4,890,000 | 329 |
| Total noninterest income | $1,112,000 | 2,855 |
| Gross Fiduciary activities income | $37,000 | 1,155 |
| Service charges on deposit accounts | $764,000 | 1,661 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $311,000 | 3,945 |
| Total noninterest expense | $4,715,000 | 2,754 |
| Salaries and employee benefits | $2,523,000 | 2,689 |
| Premises and equipment expense | $667,000 | 2,887 |
| Additional noninterest expense | $1,525,000 | 2,729 |
| Pre-tax net operating income | $-1,671,000 | 10,404 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-811,000 | 10,417 |
| Income before extraordinary items | $-860,000 | 10,343 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-860,000 | 10,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,259,000 | 268 |
| Cash dividends | $818,000 | 2,552 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-860,000 | 10,322 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,613,000 | 2,823 |
| Total interest expense | $4,382,000 | 3,374 |
| Net interest income | $7,231,000 | 2,410 |
| Provision for loan and lease losses | $519,000 | 1,724 |
| Total noninterest income | $1,155,000 | 2,719 |
| Gross Fiduciary activities income | $46,000 | 1,185 |
| Service charges on deposit accounts | $811,000 | 1,603 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $298,000 | 3,944 |
| Total noninterest expense | $4,380,000 | 2,897 |
| Salaries and employee benefits | $2,397,000 | 2,764 |
| Premises and equipment expense | $702,000 | 2,725 |
| Additional noninterest expense | $1,281,000 | 3,152 |
| Pre-tax net operating income | $3,486,000 | 2,164 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,185,000 | 2,109 |
| Income before extraordinary items | $2,301,000 | 2,286 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,301,000 | 2,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,179 |
| Cash dividends | $475,000 | 3,608 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,301,000 | 2,229 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,059,000 | 3,262 |
| Total interest expense | $3,753,000 | 3,933 |
| Net interest income | $6,306,000 | 2,801 |
| Provision for loan and lease losses | $305,000 | 2,532 |
| Total noninterest income | $1,060,000 | 2,989 |
| Gross Fiduciary activities income | $42,000 | 1,263 |
| Service charges on deposit accounts | $762,000 | 1,763 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $256,000 | 4,476 |
| Total noninterest expense | $4,094,000 | 3,281 |
| Salaries and employee benefits | $2,205,000 | 3,033 |
| Premises and equipment expense | $720,000 | 2,713 |
| Additional noninterest expense | $1,169,000 | 3,865 |
| Pre-tax net operating income | $2,967,000 | 2,398 |
| Securities gains (losses) | $6,000 | 2,865 |
| Applicable income taxes | $971,000 | 2,417 |
| Income before extraordinary items | $2,002,000 | 2,462 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,002,000 | 2,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,244 |
| Cash dividends | $380,000 | 4,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,997,980 | 2,420 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,808,000 | 3,686 |
| Total interest expense | $3,004,000 | 4,748 |
| Net interest income | $5,804,000 | 3,062 |
| Provision for loan and lease losses | $381,000 | 1,928 |
| Total noninterest income | $884,000 | 3,406 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $660,000 | 2,056 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $224,000 | 4,795 |
| Total noninterest expense | $3,850,000 | 3,442 |
| Salaries and employee benefits | $2,132,000 | 3,110 |
| Premises and equipment expense | $904,000 | 2,216 |
| Additional noninterest expense | $814,000 | 5,179 |
| Pre-tax net operating income | $2,457,000 | 2,901 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $785,000 | 2,919 |
| Income before extraordinary items | $1,672,000 | 2,938 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,672,000 | 2,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 3,068 |
| Cash dividends | $380,000 | 3,998 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,672,000 | 2,905 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,732,000 | 4,377 |
| Total interest expense | $1,993,000 | 5,632 |
| Net interest income | $4,739,000 | 3,739 |
| Provision for loan and lease losses | $25,000 | 7,401 |
| Total noninterest income | $810,000 | 3,685 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $561,000 | 2,427 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $249,000 | 4,607 |
| Total noninterest expense | $3,533,000 | 3,814 |
| Salaries and employee benefits | $1,784,000 | 3,649 |
| Premises and equipment expense | $845,000 | 2,402 |
| Additional noninterest expense | $904,000 | 5,150 |
| Pre-tax net operating income | $1,991,000 | 3,430 |
| Securities gains (losses) | $44,000 | 1,236 |
| Applicable income taxes | $684,000 | 3,147 |
| Income before extraordinary items | $1,351,000 | 3,477 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,351,000 | 3,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,524 |
| Cash dividends | $380,000 | 3,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,321,960 | 3,573 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,946,000 | 4,991 |
| Total interest expense | $1,751,000 | 6,482 |
| Net interest income | $4,195,000 | 4,217 |
| Provision for loan and lease losses | $317,000 | 2,885 |
| Total noninterest income | $741,000 | 4,259 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $553,000 | 2,505 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $188,000 | 5,866 |
| Total noninterest expense | $2,740,000 | 4,862 |
| Salaries and employee benefits | $1,406,000 | 4,529 |
| Premises and equipment expense | $600,000 | 3,330 |
| Additional noninterest expense | $734,000 | 6,337 |
| Pre-tax net operating income | $1,879,000 | 3,529 |
| Securities gains (losses) | $38,000 | 3,799 |
| Applicable income taxes | $664,000 | 3,278 |
| Income before extraordinary items | $1,253,000 | 3,854 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,253,000 | 3,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 5,247 |
| Cash dividends | $380,000 | 3,807 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,228,300 | 3,716 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,603,000 | 5,813 |
| Total interest expense | $1,997,000 | 7,114 |
| Net interest income | $3,606,000 | 4,877 |
| Provision for loan and lease losses | $155,000 | 5,991 |
| Total noninterest income | $668,000 | 4,576 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $528,000 | 2,620 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $140,000 | 6,888 |
| Total noninterest expense | $2,534,000 | 5,251 |
| Salaries and employee benefits | $1,371,000 | 4,594 |
| Premises and equipment expense | $541,000 | 3,710 |
| Additional noninterest expense | $622,000 | 7,318 |
| Pre-tax net operating income | $1,585,000 | 3,847 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $526,000 | 3,830 |
| Income before extraordinary items | $1,059,000 | 4,287 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,059,000 | 4,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 6,983 |
| Cash dividends | $380,000 | 3,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,059,000 | 3,967 |
* 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.