Home > Flatbush Federal Savings and Loan Association > Income and Expense
Flatbush Federal Savings and Loan Association, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $4,473,000 | 3,925 |
| Total interest expense | $1,050,000 | 2,961 |
| Net interest income | $3,423,000 | 4,111 |
| Provision for loan and lease losses | $280,000 | 3,060 |
| Total noninterest income | $9,267,000 | 571 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $0 | 6,990 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $9,267,000 | 420 |
| Total noninterest expense | $5,738,000 | 2,469 |
| Salaries and employee benefits | $1,859,000 | 3,606 |
| Premises and equipment expense | $912,000 | 1,949 |
| Additional noninterest expense | $2,967,000 | 1,693 |
| Pre-tax net operating income | $6,672,000 | 846 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $2,971,000 | 515 |
| Income before extraordinary items | $3,701,000 | 1,216 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $3,701,000 | 1,217 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $3,701,000 | 1,217 |
| Net charge-offs | $1,430,000 | 1,153 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 577 |
| Net operating income | $3,701,000 | 1,147 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,032,000 | 3,902 |
| Total interest expense | $733,000 | 2,948 |
| Net interest income | $2,299,000 | 4,107 |
| Provision for loan and lease losses | $265,000 | 2,606 |
| Total noninterest income | $9,193,000 | 435 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $0 | 7,045 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,193,000 | 312 |
| Total noninterest expense | $3,664,000 | 2,572 |
| Salaries and employee benefits | $1,259,000 | 3,577 |
| Premises and equipment expense | $491,000 | 2,319 |
| Additional noninterest expense | $1,914,000 | 1,735 |
| Pre-tax net operating income | $7,563,000 | 526 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $3,398,000 | 361 |
| Income before extraordinary items | $4,165,000 | 730 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $4,165,000 | 730 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $4,165,000 | 731 |
| Net charge-offs | $1,435,000 | 882 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 549 |
| Net operating income | $4,165,000 | 694 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,555,000 | 3,879 |
| Total interest expense | $372,000 | 3,019 |
| Net interest income | $1,183,000 | 4,047 |
| Provision for loan and lease losses | $198,000 | 2,044 |
| Total noninterest income | $9,130,000 | 264 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $0 | 7,087 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $9,130,000 | 179 |
| Total noninterest expense | $1,297,000 | 3,439 |
| Salaries and employee benefits | $637,000 | 3,591 |
| Premises and equipment expense | $237,000 | 2,413 |
| Additional noninterest expense | $423,000 | 3,504 |
| Pre-tax net operating income | $8,818,000 | 262 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $3,990,000 | 195 |
| Income before extraordinary items | $4,828,000 | 358 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $4,828,000 | 359 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $4,828,000 | 359 |
| Net charge-offs | $1,370,000 | 544 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 497 |
| Net operating income | $4,828,000 | 340 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $6,856,000 | 3,720 |
| Total interest expense | $1,584,000 | 3,312 |
| Net interest income | $5,272,000 | 3,774 |
| Provision for loan and lease losses | $1,820,000 | 1,666 |
| Total noninterest income | $256,000 | 5,437 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 6,974 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $256,000 | 4,100 |
| Total noninterest expense | $4,849,000 | 3,620 |
| Salaries and employee benefits | $2,649,000 | 3,406 |
| Premises and equipment expense | $1,451,000 | 1,702 |
| Additional noninterest expense | $749,000 | 5,544 |
| Pre-tax net operating income | $-1,141,000 | 6,623 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $-588,000 | 7,091 |
| Income before extraordinary items | $-553,000 | 6,497 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-553,000 | 6,499 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-553,000 | 6,498 |
| Net charge-offs | $1,506,000 | 1,866 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-553,000 | 6,455 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,179,000 | 3,746 |
| Total interest expense | $1,200,000 | 3,413 |
| Net interest income | $3,979,000 | 3,779 |
| Provision for loan and lease losses | $1,704,000 | 1,384 |
| Total noninterest income | $202,000 | 5,461 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,025 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $202,000 | 4,075 |
| Total noninterest expense | $3,758,000 | 3,539 |
| Salaries and employee benefits | $2,016,000 | 3,371 |
| Premises and equipment expense | $1,097,000 | 1,729 |
| Additional noninterest expense | $645,000 | 5,276 |
| Pre-tax net operating income | $-1,281,000 | 6,865 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $-563,000 | 7,237 |
| Income before extraordinary items | $-718,000 | 6,775 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-718,000 | 6,775 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-718,000 | 6,775 |
| Net charge-offs | $1,346,000 | 1,606 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-718,000 | 6,735 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,510,000 | 3,757 |
| Total interest expense | $814,000 | 3,463 |
| Net interest income | $2,696,000 | 3,764 |
| Provision for loan and lease losses | $1,704,000 | 1,026 |
| Total noninterest income | $147,000 | 5,348 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,067 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $147,000 | 3,988 |
| Total noninterest expense | $2,403,000 | 3,687 |
| Salaries and employee benefits | $1,345,000 | 3,396 |
| Premises and equipment expense | $646,000 | 1,953 |
| Additional noninterest expense | $412,000 | 5,458 |
| Pre-tax net operating income | $-1,264,000 | 7,048 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-546,000 | 7,346 |
| Income before extraordinary items | $-718,000 | 6,937 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-718,000 | 6,936 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-718,000 | 6,937 |
| Net charge-offs | $1,341,000 | 1,220 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-718,000 | 6,923 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,773,000 | 3,744 |
| Total interest expense | $418,000 | 3,497 |
| Net interest income | $1,355,000 | 3,740 |
| Provision for loan and lease losses | $140,000 | 2,956 |
| Total noninterest income | $70,000 | 5,483 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,070 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $70,000 | 4,124 |
| Total noninterest expense | $1,230,000 | 3,630 |
| Salaries and employee benefits | $663,000 | 3,462 |
| Premises and equipment expense | $363,000 | 1,779 |
| Additional noninterest expense | $204,000 | 5,485 |
| Pre-tax net operating income | $55,000 | 5,682 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $55,000 | 5,623 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $55,000 | 5,622 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $55,000 | 5,623 |
| Net charge-offs | $52,000 | 3,315 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $55,000 | 5,580 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,997,000 | 3,555 |
| Total interest expense | $2,081,000 | 3,452 |
| Net interest income | $5,916,000 | 3,502 |
| Provision for loan and lease losses | $820,000 | 3,374 |
| Total noninterest income | $310,000 | 5,351 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $310,000 | 3,902 |
| Total noninterest expense | $4,746,000 | 3,761 |
| Salaries and employee benefits | $2,645,000 | 3,442 |
| Premises and equipment expense | $1,199,000 | 2,108 |
| Additional noninterest expense | $902,000 | 5,350 |
| Pre-tax net operating income | $660,000 | 4,006 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $184,000 | 2,784 |
| Income before extraordinary items | $476,000 | 4,373 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $476,000 | 4,375 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $476,000 | 4,374 |
| Net charge-offs | $431,000 | 3,842 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $476,000 | 4,247 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,108,000 | 3,571 |
| Total interest expense | $1,610,000 | 3,515 |
| Net interest income | $4,498,000 | 3,515 |
| Provision for loan and lease losses | $387,000 | 3,956 |
| Total noninterest income | $237,000 | 5,418 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $237,000 | 3,920 |
| Total noninterest expense | $3,573,000 | 3,763 |
| Salaries and employee benefits | $1,986,000 | 3,458 |
| Premises and equipment expense | $903,000 | 2,121 |
| Additional noninterest expense | $684,000 | 5,327 |
| Pre-tax net operating income | $775,000 | 3,523 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $208,000 | 2,516 |
| Income before extraordinary items | $567,000 | 3,880 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $567,000 | 3,882 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $567,000 | 3,882 |
| Net charge-offs | $-1,000 | 7,212 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $567,000 | 3,729 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,110,000 | 3,577 |
| Total interest expense | $1,103,000 | 3,537 |
| Net interest income | $3,007,000 | 3,505 |
| Provision for loan and lease losses | $287,000 | 3,715 |
| Total noninterest income | $161,000 | 5,366 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $161,000 | 3,868 |
| Total noninterest expense | $2,399,000 | 3,738 |
| Salaries and employee benefits | $1,327,000 | 3,474 |
| Premises and equipment expense | $601,000 | 2,151 |
| Additional noninterest expense | $471,000 | 5,242 |
| Pre-tax net operating income | $482,000 | 3,687 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $175,000 | 2,260 |
| Income before extraordinary items | $307,000 | 4,261 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $307,000 | 4,260 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $307,000 | 4,260 |
| Net charge-offs | $-1,000 | 7,109 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $307,000 | 4,125 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,096,000 | 3,591 |
| Total interest expense | $564,000 | 3,603 |
| Net interest income | $1,532,000 | 3,491 |
| Provision for loan and lease losses | $153,000 | 3,312 |
| Total noninterest income | $80,000 | 5,424 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $80,000 | 3,909 |
| Total noninterest expense | $1,201,000 | 3,755 |
| Salaries and employee benefits | $662,000 | 3,531 |
| Premises and equipment expense | $296,000 | 2,227 |
| Additional noninterest expense | $243,000 | 5,193 |
| Pre-tax net operating income | $258,000 | 3,640 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $100,000 | 2,124 |
| Income before extraordinary items | $158,000 | 4,296 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $158,000 | 4,297 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $158,000 | 4,295 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $158,000 | 4,194 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $8,279,000 | 3,728 |
| Total interest expense | $3,290,000 | 3,191 |
| Net interest income | $4,989,000 | 3,960 |
| Provision for loan and lease losses | $650,000 | 4,141 |
| Total noninterest income | $337,000 | 5,425 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $337,000 | 3,810 |
| Total noninterest expense | $4,281,000 | 4,154 |
| Salaries and employee benefits | $2,155,000 | 4,128 |
| Premises and equipment expense | $1,196,000 | 2,221 |
| Additional noninterest expense | $930,000 | 5,444 |
| Pre-tax net operating income | $395,000 | 4,256 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $159,000 | 2,562 |
| Income before extraordinary items | $236,000 | 4,692 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $236,000 | 4,691 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $236,000 | 4,692 |
| Net charge-offs | $466,000 | 3,887 |
| Cash dividends | $300,000 | 3,192 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $236,000 | 4,622 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,221,000 | 3,759 |
| Total interest expense | $2,581,000 | 3,220 |
| Net interest income | $3,640,000 | 4,030 |
| Provision for loan and lease losses | $74,000 | 6,289 |
| Total noninterest income | $253,000 | 5,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $253,000 | 3,879 |
| Total noninterest expense | $3,112,000 | 4,254 |
| Salaries and employee benefits | $1,511,000 | 4,359 |
| Premises and equipment expense | $899,000 | 2,245 |
| Additional noninterest expense | $702,000 | 5,406 |
| Pre-tax net operating income | $707,000 | 3,314 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $260,000 | 2,070 |
| Income before extraordinary items | $447,000 | 3,875 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $447,000 | 3,872 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $447,000 | 3,874 |
| Net charge-offs | $-1,000 | 7,629 |
| Cash dividends | $300,000 | 2,611 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $447,000 | 3,782 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,079,000 | 3,847 |
| Total interest expense | $1,732,000 | 3,322 |
| Net interest income | $2,347,000 | 4,094 |
| Provision for loan and lease losses | $22,000 | 6,655 |
| Total noninterest income | $170,000 | 5,508 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $170,000 | 3,903 |
| Total noninterest expense | $1,923,000 | 4,488 |
| Salaries and employee benefits | $853,000 | 4,904 |
| Premises and equipment expense | $598,000 | 2,277 |
| Additional noninterest expense | $472,000 | 5,404 |
| Pre-tax net operating income | $572,000 | 3,089 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $214,000 | 1,890 |
| Income before extraordinary items | $358,000 | 3,665 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $358,000 | 3,664 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $358,000 | 3,664 |
| Net charge-offs | $-1,000 | 7,516 |
| Cash dividends | $300,000 | 2,182 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $358,000 | 3,559 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,022,000 | 3,908 |
| Total interest expense | $867,000 | 3,411 |
| Net interest income | $1,155,000 | 4,128 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $84,000 | 5,504 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $84,000 | 3,931 |
| Total noninterest expense | $672,000 | 5,488 |
| Salaries and employee benefits | $186,000 | 6,995 |
| Premises and equipment expense | $303,000 | 2,277 |
| Additional noninterest expense | $183,000 | 5,818 |
| Pre-tax net operating income | $567,000 | 2,152 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $220,000 | 1,351 |
| Income before extraordinary items | $347,000 | 2,836 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $347,000 | 2,835 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $347,000 | 2,837 |
| Net charge-offs | $-1,000 | 7,151 |
| Cash dividends | $300,000 | 1,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $347,000 | 2,698 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,995,000 | 4,130 |
| Total interest expense | $3,652,000 | 3,741 |
| Net interest income | $4,343,000 | 4,319 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $387,000 | 5,333 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $387,000 | 3,648 |
| Total noninterest expense | $4,467,000 | 3,904 |
| Salaries and employee benefits | $2,567,000 | 3,708 |
| Premises and equipment expense | $1,208,000 | 2,228 |
| Additional noninterest expense | $692,000 | 5,840 |
| Pre-tax net operating income | $263,000 | 5,558 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $71,000 | 3,645 |
| Income before extraordinary items | $192,000 | 5,514 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $192,000 | 5,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,841 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $192,000 | 5,667 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,019,000 | 4,189 |
| Total interest expense | $2,814,000 | 3,780 |
| Net interest income | $3,205,000 | 4,405 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $302,000 | 5,357 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $302,000 | 3,673 |
| Total noninterest expense | $3,333,000 | 3,901 |
| Salaries and employee benefits | $1,916,000 | 3,736 |
| Premises and equipment expense | $915,000 | 2,213 |
| Additional noninterest expense | $502,000 | 5,901 |
| Pre-tax net operating income | $174,000 | 6,139 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $47,000 | 4,136 |
| Income before extraordinary items | $127,000 | 6,040 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $127,000 | 6,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,679 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $127,000 | 6,199 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,067,000 | 4,205 |
| Total interest expense | $1,964,000 | 3,793 |
| Net interest income | $2,103,000 | 4,446 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $171,000 | 5,743 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $171,000 | 4,080 |
| Total noninterest expense | $2,219,000 | 3,930 |
| Salaries and employee benefits | $1,279,000 | 3,781 |
| Premises and equipment expense | $613,000 | 2,209 |
| Additional noninterest expense | $327,000 | 5,946 |
| Pre-tax net operating income | $55,000 | 6,648 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $11,000 | 4,950 |
| Income before extraordinary items | $44,000 | 6,734 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $44,000 | 6,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,615 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $44,000 | 6,670 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,072,000 | 4,215 |
| Total interest expense | $1,033,000 | 3,822 |
| Net interest income | $1,039,000 | 4,491 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $83,000 | 5,799 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $83,000 | 4,124 |
| Total noninterest expense | $1,092,000 | 3,975 |
| Salaries and employee benefits | $627,000 | 3,840 |
| Premises and equipment expense | $310,000 | 2,195 |
| Additional noninterest expense | $155,000 | 6,092 |
| Pre-tax net operating income | $30,000 | 6,856 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $7,000 | 4,983 |
| Income before extraordinary items | $23,000 | 6,980 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $23,000 | 6,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,531 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $23,000 | 6,888 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,024,000 | 4,029 |
| Total interest expense | $4,400,000 | 3,773 |
| Net interest income | $4,624,000 | 4,212 |
| Provision for loan and lease losses | $2,000 | 6,808 |
| Total noninterest income | $864,000 | 3,845 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $864,000 | 2,442 |
| Total noninterest expense | $5,529,000 | 3,179 |
| Salaries and employee benefits | $3,561,000 | 2,761 |
| Premises and equipment expense | $1,254,000 | 2,080 |
| Additional noninterest expense | $714,000 | 5,680 |
| Pre-tax net operating income | $-43,000 | 7,504 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-167,000 | 8,100 |
| Income before extraordinary items | $124,000 | 7,058 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $124,000 | 7,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,831 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $124,000 | 7,031 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,856,000 | 4,008 |
| Total interest expense | $3,322,000 | 3,760 |
| Net interest income | $3,534,000 | 4,191 |
| Provision for loan and lease losses | $2,000 | 6,474 |
| Total noninterest income | $773,000 | 3,471 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $773,000 | 2,169 |
| Total noninterest expense | $3,888,000 | 3,321 |
| Salaries and employee benefits | $2,464,000 | 2,967 |
| Premises and equipment expense | $948,000 | 2,045 |
| Additional noninterest expense | $476,000 | 5,940 |
| Pre-tax net operating income | $417,000 | 6,092 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-31,000 | 8,115 |
| Income before extraordinary items | $448,000 | 5,591 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $448,000 | 5,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,136 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $448,000 | 5,576 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,596,000 | 4,019 |
| Total interest expense | $2,221,000 | 3,751 |
| Net interest income | $2,375,000 | 4,199 |
| Provision for loan and lease losses | $2,000 | 6,135 |
| Total noninterest income | $681,000 | 2,884 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $681,000 | 1,811 |
| Total noninterest expense | $2,684,000 | 3,259 |
| Salaries and employee benefits | $1,759,000 | 2,823 |
| Premises and equipment expense | $635,000 | 2,042 |
| Additional noninterest expense | $290,000 | 6,218 |
| Pre-tax net operating income | $370,000 | 5,663 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-47,000 | 8,280 |
| Income before extraordinary items | $417,000 | 4,975 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $417,000 | 4,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,139 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $417,000 | 4,966 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,303,000 | 4,010 |
| Total interest expense | $1,089,000 | 3,784 |
| Net interest income | $1,214,000 | 4,115 |
| Provision for loan and lease losses | $2,000 | 5,657 |
| Total noninterest income | $589,000 | 1,981 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $589,000 | 1,216 |
| Total noninterest expense | $1,462,000 | 3,046 |
| Salaries and employee benefits | $1,032,000 | 2,482 |
| Premises and equipment expense | $310,000 | 2,104 |
| Additional noninterest expense | $120,000 | 6,694 |
| Pre-tax net operating income | $339,000 | 4,386 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-55,000 | 8,436 |
| Income before extraordinary items | $394,000 | 3,541 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $394,000 | 3,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $394,000 | 3,517 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,772,000 | 3,949 |
| Total interest expense | $3,668,000 | 3,797 |
| Net interest income | $5,104,000 | 3,947 |
| Provision for loan and lease losses | $31,000 | 6,003 |
| Total noninterest income | $457,000 | 5,332 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $457,000 | 3,492 |
| Total noninterest expense | $5,176,000 | 3,253 |
| Salaries and employee benefits | $3,356,000 | 2,838 |
| Premises and equipment expense | $1,265,000 | 1,986 |
| Additional noninterest expense | $555,000 | 6,280 |
| Pre-tax net operating income | $354,000 | 6,941 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $117,000 | 4,842 |
| Income before extraordinary items | $237,000 | 7,141 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $237,000 | 7,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,914 |
| Cash dividends | $300,000 | 4,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $237,000 | 7,136 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,490,000 | 3,953 |
| Total interest expense | $2,627,000 | 3,838 |
| Net interest income | $3,863,000 | 3,943 |
| Provision for loan and lease losses | $30,000 | 5,631 |
| Total noninterest income | $327,000 | 5,467 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $327,000 | 3,588 |
| Total noninterest expense | $3,902,000 | 3,232 |
| Salaries and employee benefits | $2,544,000 | 2,797 |
| Premises and equipment expense | $941,000 | 2,009 |
| Additional noninterest expense | $417,000 | 6,284 |
| Pre-tax net operating income | $258,000 | 7,199 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $87,000 | 5,045 |
| Income before extraordinary items | $171,000 | 7,368 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $171,000 | 7,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,074 |
| Cash dividends | $300,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $171,000 | 7,368 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,214,000 | 3,981 |
| Total interest expense | $1,644,000 | 3,888 |
| Net interest income | $2,570,000 | 3,970 |
| Provision for loan and lease losses | $29,000 | 5,242 |
| Total noninterest income | $221,000 | 5,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $221,000 | 3,549 |
| Total noninterest expense | $2,664,000 | 3,173 |
| Salaries and employee benefits | $1,728,000 | 2,765 |
| Premises and equipment expense | $627,000 | 2,008 |
| Additional noninterest expense | $309,000 | 5,989 |
| Pre-tax net operating income | $98,000 | 7,708 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $34,000 | 5,495 |
| Income before extraordinary items | $64,000 | 7,813 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $64,000 | 7,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,393 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $64,000 | 7,813 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,072,000 | 3,973 |
| Total interest expense | $779,000 | 3,886 |
| Net interest income | $1,293,000 | 3,954 |
| Provision for loan and lease losses | $9,000 | 5,345 |
| Total noninterest income | $116,000 | 5,287 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $116,000 | 3,440 |
| Total noninterest expense | $1,320,000 | 3,217 |
| Salaries and employee benefits | $867,000 | 2,778 |
| Premises and equipment expense | $303,000 | 2,079 |
| Additional noninterest expense | $150,000 | 6,055 |
| Pre-tax net operating income | $80,000 | 7,307 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $24,000 | 5,226 |
| Income before extraordinary items | $56,000 | 7,431 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $56,000 | 7,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $56,000 | 7,436 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,711,000 | 3,860 |
| Total interest expense | $2,274,000 | 4,066 |
| Net interest income | $5,437,000 | 3,712 |
| Provision for loan and lease losses | $20,000 | 6,489 |
| Total noninterest income | $310,000 | 6,261 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $310,000 | 4,264 |
| Total noninterest expense | $5,027,000 | 3,224 |
| Salaries and employee benefits | $3,262,000 | 2,754 |
| Premises and equipment expense | $1,229,000 | 1,953 |
| Additional noninterest expense | $536,000 | 6,374 |
| Pre-tax net operating income | $700,000 | 6,148 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $285,000 | 4,198 |
| Income before extraordinary items | $415,000 | 6,722 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $415,000 | 6,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,038 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $415,000 | 6,690 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,677,000 | 3,862 |
| Total interest expense | $1,580,000 | 4,146 |
| Net interest income | $4,097,000 | 3,691 |
| Provision for loan and lease losses | $19,000 | 6,196 |
| Total noninterest income | $228,000 | 6,331 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $228,000 | 4,316 |
| Total noninterest expense | $3,756,000 | 3,210 |
| Salaries and employee benefits | $2,466,000 | 2,707 |
| Premises and equipment expense | $938,000 | 1,916 |
| Additional noninterest expense | $352,000 | 6,724 |
| Pre-tax net operating income | $550,000 | 6,203 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $221,000 | 4,272 |
| Income before extraordinary items | $329,000 | 6,775 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $329,000 | 6,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,230 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $329,000 | 6,729 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,748,000 | 3,814 |
| Total interest expense | $1,007,000 | 4,109 |
| Net interest income | $2,741,000 | 3,656 |
| Provision for loan and lease losses | $11,000 | 6,083 |
| Total noninterest income | $151,000 | 6,327 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $151,000 | 4,308 |
| Total noninterest expense | $2,506,000 | 3,183 |
| Salaries and employee benefits | $1,646,000 | 2,694 |
| Premises and equipment expense | $616,000 | 1,934 |
| Additional noninterest expense | $244,000 | 6,601 |
| Pre-tax net operating income | $375,000 | 6,135 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $152,000 | 4,229 |
| Income before extraordinary items | $223,000 | 6,736 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $223,000 | 6,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,453 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $223,000 | 6,690 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,851,000 | 3,818 |
| Total interest expense | $473,000 | 4,184 |
| Net interest income | $1,378,000 | 3,655 |
| Provision for loan and lease losses | $7,000 | 5,663 |
| Total noninterest income | $77,000 | 6,252 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $77,000 | 4,262 |
| Total noninterest expense | $1,253,000 | 3,196 |
| Salaries and employee benefits | $827,000 | 2,697 |
| Premises and equipment expense | $307,000 | 1,956 |
| Additional noninterest expense | $119,000 | 6,701 |
| Pre-tax net operating income | $195,000 | 6,017 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $80,000 | 4,116 |
| Income before extraordinary items | $115,000 | 6,655 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $115,000 | 6,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $115,000 | 6,620 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,012,000 | 3,803 |
| Total interest expense | $1,855,000 | 3,873 |
| Net interest income | $5,157,000 | 3,721 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $328,000 | 6,219 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $328,000 | 4,099 |
| Total noninterest expense | $4,972,000 | 3,131 |
| Salaries and employee benefits | $3,115,000 | 2,749 |
| Premises and equipment expense | $1,250,000 | 1,838 |
| Additional noninterest expense | $607,000 | 5,935 |
| Pre-tax net operating income | $513,000 | 6,675 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $199,000 | 4,759 |
| Income before extraordinary items | $314,000 | 7,172 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $314,000 | 7,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,475 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $314,000 | 7,114 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,192,000 | 3,813 |
| Total interest expense | $1,393,000 | 3,829 |
| Net interest income | $3,799,000 | 3,755 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $237,000 | 6,329 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $237,000 | 4,168 |
| Total noninterest expense | $3,735,000 | 3,094 |
| Salaries and employee benefits | $2,322,000 | 2,747 |
| Premises and equipment expense | $942,000 | 1,840 |
| Additional noninterest expense | $471,000 | 5,804 |
| Pre-tax net operating income | $301,000 | 7,204 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $120,000 | 5,137 |
| Income before extraordinary items | $181,000 | 7,589 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $181,000 | 7,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,881 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $181,000 | 7,531 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,383,000 | 3,877 |
| Total interest expense | $934,000 | 3,809 |
| Net interest income | $2,449,000 | 3,846 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $150,000 | 6,460 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $150,000 | 4,305 |
| Total noninterest expense | $2,477,000 | 3,128 |
| Salaries and employee benefits | $1,532,000 | 2,777 |
| Premises and equipment expense | $622,000 | 1,838 |
| Additional noninterest expense | $323,000 | 5,746 |
| Pre-tax net operating income | $122,000 | 7,742 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $52,000 | 5,605 |
| Income before extraordinary items | $70,000 | 8,077 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $70,000 | 8,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,291 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $70,000 | 8,014 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,672,000 | 3,918 |
| Total interest expense | $469,000 | 3,847 |
| Net interest income | $1,203,000 | 3,890 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $69,000 | 6,593 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $69,000 | 4,468 |
| Total noninterest expense | $1,218,000 | 3,183 |
| Salaries and employee benefits | $761,000 | 2,814 |
| Premises and equipment expense | $298,000 | 1,946 |
| Additional noninterest expense | $159,000 | 5,819 |
| Pre-tax net operating income | $54,000 | 7,867 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $22,000 | 5,705 |
| Income before extraordinary items | $32,000 | 8,110 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $32,000 | 8,111 |
| 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 | $0 | 464 |
| Net operating income | $32,000 | 8,046 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,694,000 | 3,960 |
| Total interest expense | $2,282,000 | 3,598 |
| Net interest income | $4,412,000 | 4,055 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $404,000 | 5,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $404,000 | 3,956 |
| Total noninterest expense | $4,674,000 | 3,242 |
| Salaries and employee benefits | $2,890,000 | 2,859 |
| Premises and equipment expense | $1,322,000 | 1,709 |
| Additional noninterest expense | $462,000 | 6,779 |
| Pre-tax net operating income | $142,000 | 8,044 |
| Securities gains (losses) | $8,000 | 3,717 |
| Applicable income taxes | $74,000 | 5,995 |
| Income before extraordinary items | $76,000 | 8,339 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $76,000 | 8,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,674 |
| Cash dividends | $100,000 | 5,525 |
| Sale, conversion, retirement of capital stock, net | $6,815,000 | 153 |
| Net operating income | $70,880 | 8,275 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,972,000 | 4,046 |
| Total interest expense | $1,757,000 | 3,631 |
| Net interest income | $3,215,000 | 4,177 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $320,000 | 5,886 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $320,000 | 3,928 |
| Total noninterest expense | $3,455,000 | 3,268 |
| Salaries and employee benefits | $2,144,000 | 2,894 |
| Premises and equipment expense | $989,000 | 1,732 |
| Additional noninterest expense | $322,000 | 6,959 |
| Pre-tax net operating income | $80,000 | 8,328 |
| Securities gains (losses) | $8,000 | 3,425 |
| Applicable income taxes | $51,000 | 6,185 |
| Income before extraordinary items | $37,000 | 8,586 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $37,000 | 8,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,109 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $31,880 | 8,507 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,370,000 | 4,034 |
| Total interest expense | $1,225,000 | 3,602 |
| Net interest income | $2,145,000 | 4,175 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $213,000 | 5,861 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $213,000 | 3,928 |
| Total noninterest expense | $2,312,000 | 3,258 |
| Salaries and employee benefits | $1,448,000 | 2,867 |
| Premises and equipment expense | $657,000 | 1,732 |
| Additional noninterest expense | $207,000 | 7,051 |
| Pre-tax net operating income | $46,000 | 8,400 |
| Securities gains (losses) | $8,000 | 3,037 |
| Applicable income taxes | $28,000 | 6,385 |
| Income before extraordinary items | $26,000 | 8,616 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $26,000 | 8,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,160 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $20,880 | 8,522 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,715,000 | 3,989 |
| Total interest expense | $645,000 | 3,544 |
| Net interest income | $1,070,000 | 4,188 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $104,000 | 5,817 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $104,000 | 3,853 |
| Total noninterest expense | $1,147,000 | 3,283 |
| Salaries and employee benefits | $717,000 | 2,893 |
| Premises and equipment expense | $322,000 | 1,776 |
| Additional noninterest expense | $108,000 | 6,949 |
| Pre-tax net operating income | $27,000 | 8,356 |
| Securities gains (losses) | $8,000 | 2,242 |
| Applicable income taxes | $17,000 | 6,213 |
| Income before extraordinary items | $18,000 | 8,508 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $18,000 | 8,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $12,880 | 8,491 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,614,000 | 3,797 |
| Total interest expense | $2,806,000 | 3,736 |
| Net interest income | $4,808,000 | 3,777 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $468,000 | 5,397 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $468,000 | 3,408 |
| Total noninterest expense | $4,706,000 | 3,086 |
| Salaries and employee benefits | $2,795,000 | 2,821 |
| Premises and equipment expense | $1,278,000 | 1,727 |
| Additional noninterest expense | $633,000 | 5,740 |
| Pre-tax net operating income | $570,000 | 6,515 |
| Securities gains (losses) | $20,000 | 3,147 |
| Applicable income taxes | $222,000 | 4,965 |
| Income before extraordinary items | $368,000 | 6,987 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $368,000 | 6,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,332 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $355,200 | 6,925 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,621,000 | 3,773 |
| Total interest expense | $4,096,000 | 3,722 |
| Net interest income | $4,525,000 | 3,746 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $385,000 | 5,783 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $385,000 | 3,616 |
| Total noninterest expense | $4,710,000 | 2,969 |
| Salaries and employee benefits | $3,050,000 | 2,471 |
| Premises and equipment expense | $1,211,000 | 1,789 |
| Additional noninterest expense | $449,000 | 6,794 |
| Pre-tax net operating income | $200,000 | 7,888 |
| Securities gains (losses) | $1,000 | 4,410 |
| Applicable income taxes | $46,000 | 6,773 |
| Income before extraordinary items | $155,000 | 7,995 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $155,000 | 7,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,555 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $154,230 | 7,891 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,902,000 | 3,754 |
| Total interest expense | $4,276,000 | 3,770 |
| Net interest income | $4,626,000 | 3,715 |
| Provision for loan and lease losses | $13,000 | 7,828 |
| Total noninterest income | $440,000 | 5,256 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $440,000 | 3,158 |
| Total noninterest expense | $4,471,000 | 3,013 |
| Salaries and employee benefits | $2,884,000 | 2,472 |
| Premises and equipment expense | $1,096,000 | 1,898 |
| Additional noninterest expense | $491,000 | 6,496 |
| Pre-tax net operating income | $582,000 | 6,654 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $251,000 | 4,970 |
| Income before extraordinary items | $331,000 | 7,280 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $331,000 | 7,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,380 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $331,000 | 7,275 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,520,000 | 3,687 |
| Total interest expense | $4,234,000 | 3,424 |
| Net interest income | $4,286,000 | 3,939 |
| Provision for loan and lease losses | $-35,000 | 10,040 |
| Total noninterest income | $357,000 | 5,946 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $357,000 | 3,660 |
| Total noninterest expense | $4,222,000 | 3,158 |
| Salaries and employee benefits | $2,668,000 | 2,654 |
| Premises and equipment expense | $956,000 | 2,136 |
| Additional noninterest expense | $598,000 | 5,834 |
| Pre-tax net operating income | $456,000 | 7,351 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $186,000 | 5,858 |
| Income before extraordinary items | $270,000 | 7,788 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $270,000 | 7,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,786 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $270,000 | 7,765 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,440,000 | 3,741 |
| Total interest expense | $4,123,000 | 3,584 |
| Net interest income | $4,317,000 | 3,869 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $302,000 | 6,462 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $302,000 | 4,008 |
| Total noninterest expense | $4,108,000 | 3,146 |
| Salaries and employee benefits | $2,516,000 | 2,696 |
| Premises and equipment expense | $944,000 | 2,063 |
| Additional noninterest expense | $648,000 | 5,458 |
| Pre-tax net operating income | $511,000 | 7,306 |
| Securities gains (losses) | $4,000 | 3,561 |
| Applicable income taxes | $173,000 | 6,538 |
| Income before extraordinary items | $342,000 | 7,581 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $342,000 | 7,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 9,791 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $339,360 | 7,516 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,075,000 | 3,934 |
| Total interest expense | $3,957,000 | 3,711 |
| Net interest income | $4,118,000 | 4,137 |
| Provision for loan and lease losses | $3,000 | 8,731 |
| Total noninterest income | $173,000 | 8,242 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $173,000 | 5,316 |
| Total noninterest expense | $3,653,000 | 3,471 |
| Salaries and employee benefits | $2,144,000 | 3,087 |
| Premises and equipment expense | $974,000 | 2,038 |
| Additional noninterest expense | $535,000 | 6,231 |
| Pre-tax net operating income | $635,000 | 7,269 |
| Securities gains (losses) | $76,000 | 1,109 |
| Applicable income taxes | $280,000 | 5,917 |
| Income before extraordinary items | $431,000 | 7,427 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $431,000 | 7,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 4,010 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $382,360 | 7,707 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,759,000 | 4,149 |
| Total interest expense | $3,723,000 | 3,958 |
| Net interest income | $4,036,000 | 4,285 |
| Provision for loan and lease losses | $72,000 | 5,782 |
| Total noninterest income | $198,000 | 8,258 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $198,000 | 5,190 |
| Total noninterest expense | $4,282,000 | 3,140 |
| Salaries and employee benefits | $2,052,000 | 3,259 |
| Premises and equipment expense | $919,000 | 2,168 |
| Additional noninterest expense | $1,311,000 | 3,506 |
| Pre-tax net operating income | $-120,000 | 10,986 |
| Securities gains (losses) | $509,000 | 414 |
| Applicable income taxes | $385,000 | 5,012 |
| Income before extraordinary items | $4,000 | 10,799 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,000 | 10,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-321,760 | 11,163 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,675,000 | 4,170 |
| Total interest expense | $3,753,000 | 3,898 |
| Net interest income | $3,922,000 | 4,393 |
| Provision for loan and lease losses | $9,000 | 8,431 |
| Total noninterest income | $236,000 | 7,897 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $236,000 | 4,654 |
| Total noninterest expense | $3,528,000 | 3,718 |
| Salaries and employee benefits | $2,015,000 | 3,286 |
| Premises and equipment expense | $977,000 | 2,058 |
| Additional noninterest expense | $536,000 | 6,982 |
| Pre-tax net operating income | $621,000 | 7,765 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $257,000 | 6,541 |
| Income before extraordinary items | $364,000 | 8,356 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $364,000 | 8,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,055 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $364,000 | 8,337 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,268,000 | 4,088 |
| Total interest expense | $3,067,000 | 3,882 |
| Net interest income | $4,201,000 | 4,188 |
| Provision for loan and lease losses | $4,000 | 8,908 |
| Total noninterest income | $229,000 | 8,261 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $229,000 | 4,827 |
| Total noninterest expense | $3,475,000 | 3,870 |
| Salaries and employee benefits | $1,874,000 | 3,479 |
| Premises and equipment expense | $984,000 | 2,067 |
| Additional noninterest expense | $617,000 | 6,914 |
| Pre-tax net operating income | $951,000 | 6,166 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $184,000 | 7,635 |
| Income before extraordinary items | $767,000 | 5,516 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $767,000 | 5,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,977 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $767,000 | 5,588 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,604,000 | 4,006 |
| Total interest expense | $3,617,000 | 3,468 |
| Net interest income | $3,987,000 | 4,414 |
| Provision for loan and lease losses | $41,000 | 7,900 |
| Total noninterest income | $242,000 | 8,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $242,000 | 5,092 |
| Total noninterest expense | $3,424,000 | 3,993 |
| Salaries and employee benefits | $1,807,000 | 3,600 |
| Premises and equipment expense | $1,018,000 | 2,013 |
| Additional noninterest expense | $599,000 | 7,344 |
| Pre-tax net operating income | $764,000 | 7,008 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $169,000 | 8,222 |
| Income before extraordinary items | $595,000 | 6,824 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $595,000 | 6,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $595,000 | 6,577 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,689,000 | 3,603 |
| Total interest expense | $5,468,000 | 3,043 |
| Net interest income | $4,221,000 | 4,235 |
| Provision for loan and lease losses | $60,000 | 8,535 |
| Total noninterest income | $267,000 | 8,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $267,000 | 4,754 |
| Total noninterest expense | $3,677,000 | 3,762 |
| Salaries and employee benefits | $1,803,000 | 3,548 |
| Premises and equipment expense | $934,000 | 2,227 |
| Additional noninterest expense | $940,000 | 5,324 |
| Pre-tax net operating income | $751,000 | 6,822 |
| Securities gains (losses) | $992,000 | 656 |
| Applicable income taxes | $963,000 | 2,183 |
| Income before extraordinary items | $780,000 | 5,466 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $780,000 | 5,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $145,120 | 11,002 |
* 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.