Home > Florida Gulf Bank > Income and Expense
Florida Gulf Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $7,086,000 | 1,892 |
| Total interest expense | $1,040,000 | 2,214 |
| Net interest income | $6,046,000 | 1,831 |
| Provision for loan and lease losses | $1,200,000 | 942 |
| Total noninterest income | $838,000 | 2,427 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $190,000 | 3,060 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $648,000 | 2,011 |
| Total noninterest expense | $4,281,000 | 2,235 |
| Salaries and employee benefits | $2,228,000 | 2,235 |
| Premises and equipment expense | $738,000 | 1,617 |
| Additional noninterest expense | $1,315,000 | 2,465 |
| Pre-tax net operating income | $1,403,000 | 2,253 |
| Securities gains (losses) | $71,000 | 1,823 |
| Applicable income taxes | $560,000 | 1,382 |
| Income before extraordinary items | $914,000 | 2,778 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $914,000 | 2,779 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $914,000 | 2,779 |
| Net charge-offs | $1,574,000 | 834 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $868,560 | 2,727 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,620,000 | 1,877 |
| Total interest expense | $522,000 | 2,285 |
| Net interest income | $3,098,000 | 1,804 |
| Provision for loan and lease losses | $700,000 | 818 |
| Total noninterest income | $498,000 | 2,153 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $97,000 | 2,987 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $401,000 | 1,753 |
| Total noninterest expense | $2,220,000 | 2,149 |
| Salaries and employee benefits | $1,160,000 | 2,157 |
| Premises and equipment expense | $372,000 | 1,602 |
| Additional noninterest expense | $688,000 | 2,321 |
| Pre-tax net operating income | $676,000 | 2,327 |
| Securities gains (losses) | $71,000 | 1,071 |
| Applicable income taxes | $291,000 | 1,330 |
| Income before extraordinary items | $456,000 | 2,805 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $456,000 | 2,807 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $456,000 | 2,808 |
| Net charge-offs | $510,000 | 1,080 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $410,560 | 2,851 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $14,774,000 | 1,906 |
| Total interest expense | $2,473,000 | 2,331 |
| Net interest income | $12,301,000 | 1,815 |
| Provision for loan and lease losses | $4,000,000 | 947 |
| Total noninterest income | $1,377,000 | 2,585 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $378,000 | 3,138 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $999,000 | 2,137 |
| Total noninterest expense | $8,775,000 | 2,175 |
| Salaries and employee benefits | $4,587,000 | 2,105 |
| Premises and equipment expense | $1,519,000 | 1,634 |
| Additional noninterest expense | $2,669,000 | 2,462 |
| Pre-tax net operating income | $903,000 | 3,909 |
| Securities gains (losses) | $353,000 | 1,020 |
| Applicable income taxes | $498,000 | 2,044 |
| Income before extraordinary items | $758,000 | 4,030 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $758,000 | 4,035 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $758,000 | 4,034 |
| Net charge-offs | $3,407,000 | 1,096 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $532,080 | 4,458 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $11,196,000 | 1,910 |
| Total interest expense | $1,941,000 | 2,328 |
| Net interest income | $9,255,000 | 1,814 |
| Provision for loan and lease losses | $3,375,000 | 850 |
| Total noninterest income | $1,007,000 | 2,611 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $279,000 | 3,181 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $728,000 | 2,170 |
| Total noninterest expense | $6,483,000 | 2,213 |
| Salaries and employee benefits | $3,353,000 | 2,171 |
| Premises and equipment expense | $1,157,000 | 1,623 |
| Additional noninterest expense | $1,973,000 | 2,497 |
| Pre-tax net operating income | $404,000 | 4,758 |
| Securities gains (losses) | $115,000 | 1,658 |
| Applicable income taxes | $202,000 | 2,653 |
| Income before extraordinary items | $317,000 | 4,978 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $317,000 | 4,978 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $317,000 | 4,978 |
| Net charge-offs | $2,660,000 | 1,017 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $243,400 | 5,174 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,513,000 | 1,909 |
| Total interest expense | $1,381,000 | 2,269 |
| Net interest income | $6,132,000 | 1,820 |
| Provision for loan and lease losses | $2,325,000 | 828 |
| Total noninterest income | $664,000 | 2,635 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $185,000 | 3,171 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $479,000 | 2,164 |
| Total noninterest expense | $4,465,000 | 2,162 |
| Salaries and employee benefits | $2,282,000 | 2,144 |
| Premises and equipment expense | $786,000 | 1,603 |
| Additional noninterest expense | $1,397,000 | 2,401 |
| Pre-tax net operating income | $6,000 | 6,163 |
| Securities gains (losses) | $115,000 | 1,041 |
| Applicable income taxes | $47,000 | 3,400 |
| Income before extraordinary items | $74,000 | 5,862 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $74,000 | 5,861 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $74,000 | 5,862 |
| Net charge-offs | $2,253,000 | 838 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $400 | 6,224 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,801,000 | 1,890 |
| Total interest expense | $749,000 | 2,180 |
| Net interest income | $3,052,000 | 1,822 |
| Provision for loan and lease losses | $1,000,000 | 850 |
| Total noninterest income | $286,000 | 2,909 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $87,000 | 3,269 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $199,000 | 2,477 |
| Total noninterest expense | $2,259,000 | 2,134 |
| Salaries and employee benefits | $1,170,000 | 2,097 |
| Premises and equipment expense | $389,000 | 1,649 |
| Additional noninterest expense | $700,000 | 2,374 |
| Pre-tax net operating income | $79,000 | 5,388 |
| Securities gains (losses) | $37,000 | 859 |
| Applicable income taxes | $45,000 | 2,906 |
| Income before extraordinary items | $71,000 | 5,400 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $71,000 | 5,399 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $71,000 | 5,400 |
| Net charge-offs | $175,000 | 2,222 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $47,320 | 5,716 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $16,617,000 | 1,822 |
| Total interest expense | $3,964,000 | 2,014 |
| Net interest income | $12,653,000 | 1,751 |
| Provision for loan and lease losses | $4,750,000 | 1,193 |
| Total noninterest income | $989,000 | 3,239 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $386,000 | 3,141 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $603,000 | 2,907 |
| Total noninterest expense | $8,758,000 | 2,218 |
| Salaries and employee benefits | $4,448,000 | 2,182 |
| Premises and equipment expense | $1,647,000 | 1,549 |
| Additional noninterest expense | $2,663,000 | 2,532 |
| Pre-tax net operating income | $134,000 | 5,385 |
| Securities gains (losses) | $447,000 | 971 |
| Applicable income taxes | $227,000 | 2,620 |
| Income before extraordinary items | $354,000 | 4,771 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $354,000 | 4,772 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $354,000 | 4,772 |
| Net charge-offs | $3,461,000 | 1,341 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $67,920 | 5,593 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $12,655,000 | 1,831 |
| Total interest expense | $3,141,000 | 1,995 |
| Net interest income | $9,514,000 | 1,762 |
| Provision for loan and lease losses | $3,800,000 | 1,087 |
| Total noninterest income | $624,000 | 3,602 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $292,000 | 3,201 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $332,000 | 3,387 |
| Total noninterest expense | $6,582,000 | 2,198 |
| Salaries and employee benefits | $3,394,000 | 2,132 |
| Premises and equipment expense | $1,274,000 | 1,523 |
| Additional noninterest expense | $1,914,000 | 2,580 |
| Pre-tax net operating income | $-244,000 | 6,345 |
| Securities gains (losses) | $447,000 | 809 |
| Applicable income taxes | $79,000 | 3,272 |
| Income before extraordinary items | $124,000 | 5,628 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $124,000 | 5,629 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $124,000 | 5,629 |
| Net charge-offs | $3,187,000 | 1,091 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-162,080 | 6,298 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $8,512,000 | 1,835 |
| Total interest expense | $2,214,000 | 1,961 |
| Net interest income | $6,298,000 | 1,778 |
| Provision for loan and lease losses | $2,400,000 | 1,109 |
| Total noninterest income | $563,000 | 2,994 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $194,000 | 3,209 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $369,000 | 2,522 |
| Total noninterest expense | $4,420,000 | 2,189 |
| Salaries and employee benefits | $2,305,000 | 2,107 |
| Premises and equipment expense | $867,000 | 1,515 |
| Additional noninterest expense | $1,248,000 | 2,626 |
| Pre-tax net operating income | $41,000 | 5,868 |
| Securities gains (losses) | $155,000 | 1,111 |
| Applicable income taxes | $77,000 | 3,001 |
| Income before extraordinary items | $119,000 | 5,422 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $119,000 | 5,424 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $119,000 | 5,424 |
| Net charge-offs | $1,787,000 | 1,225 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $19,800 | 5,990 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,278,000 | 1,872 |
| Total interest expense | $1,135,000 | 2,015 |
| Net interest income | $3,143,000 | 1,804 |
| Provision for loan and lease losses | $1,075,000 | 1,113 |
| Total noninterest income | $231,000 | 3,364 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $97,000 | 3,206 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $134,000 | 3,024 |
| Total noninterest expense | $2,236,000 | 2,189 |
| Salaries and employee benefits | $1,177,000 | 2,097 |
| Premises and equipment expense | $434,000 | 1,554 |
| Additional noninterest expense | $625,000 | 2,611 |
| Pre-tax net operating income | $63,000 | 5,503 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $25,000 | 3,295 |
| Income before extraordinary items | $38,000 | 5,870 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $38,000 | 5,871 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $38,000 | 5,870 |
| Net charge-offs | $1,352,000 | 849 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $38,000 | 5,756 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $17,188,000 | 1,967 |
| Total interest expense | $5,557,000 | 2,051 |
| Net interest income | $11,631,000 | 1,910 |
| Provision for loan and lease losses | $3,800,000 | 1,709 |
| Total noninterest income | $1,232,000 | 2,923 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $416,000 | 3,253 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $816,000 | 2,426 |
| Total noninterest expense | $9,039,000 | 2,199 |
| Salaries and employee benefits | $4,550,000 | 2,163 |
| Premises and equipment expense | $1,990,000 | 1,364 |
| Additional noninterest expense | $2,499,000 | 2,736 |
| Pre-tax net operating income | $24,000 | 5,333 |
| Securities gains (losses) | $337,000 | 1,135 |
| Applicable income taxes | $172,000 | 2,509 |
| Income before extraordinary items | $189,000 | 4,842 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $189,000 | 4,844 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $189,000 | 4,844 |
| Net charge-offs | $1,501,000 | 2,370 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-26,680 | 5,546 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $12,799,000 | 2,024 |
| Total interest expense | $4,339,000 | 2,065 |
| Net interest income | $8,460,000 | 1,950 |
| Provision for loan and lease losses | $3,300,000 | 1,395 |
| Total noninterest income | $886,000 | 3,065 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $304,000 | 3,317 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $582,000 | 2,566 |
| Total noninterest expense | $6,833,000 | 2,182 |
| Salaries and employee benefits | $3,432,000 | 2,165 |
| Premises and equipment expense | $1,523,000 | 1,345 |
| Additional noninterest expense | $1,878,000 | 2,704 |
| Pre-tax net operating income | $-787,000 | 6,524 |
| Securities gains (losses) | $107,000 | 1,779 |
| Applicable income taxes | $-265,000 | 7,174 |
| Income before extraordinary items | $-415,000 | 6,345 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-415,000 | 6,347 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-415,000 | 6,346 |
| Net charge-offs | $1,369,000 | 1,864 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-483,480 | 6,410 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,444,000 | 2,081 |
| Total interest expense | $2,985,000 | 2,099 |
| Net interest income | $5,459,000 | 2,002 |
| Provision for loan and lease losses | $1,000,000 | 2,058 |
| Total noninterest income | $575,000 | 3,116 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $189,000 | 3,420 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $386,000 | 2,606 |
| Total noninterest expense | $4,609,000 | 2,179 |
| Salaries and employee benefits | $2,294,000 | 2,195 |
| Premises and equipment expense | $1,030,000 | 1,352 |
| Additional noninterest expense | $1,285,000 | 2,671 |
| Pre-tax net operating income | $425,000 | 3,587 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $166,000 | 2,164 |
| Income before extraordinary items | $259,000 | 4,198 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $259,000 | 4,198 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $259,000 | 4,198 |
| Net charge-offs | $712,000 | 1,967 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $259,000 | 4,090 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,191,000 | 2,120 |
| Total interest expense | $1,518,000 | 2,143 |
| Net interest income | $2,673,000 | 2,045 |
| Provision for loan and lease losses | $375,000 | 2,048 |
| Total noninterest income | $249,000 | 3,390 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $87,000 | 3,531 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $162,000 | 2,846 |
| Total noninterest expense | $2,296,000 | 2,153 |
| Salaries and employee benefits | $1,155,000 | 2,204 |
| Premises and equipment expense | $512,000 | 1,387 |
| Additional noninterest expense | $629,000 | 2,459 |
| Pre-tax net operating income | $251,000 | 3,634 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $100,000 | 2,180 |
| Income before extraordinary items | $151,000 | 4,343 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $151,000 | 4,346 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $151,000 | 4,346 |
| Net charge-offs | $199,000 | 2,137 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $151,000 | 4,180 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $17,896,000 | 2,120 |
| Total interest expense | $7,590,000 | 2,062 |
| Net interest income | $10,306,000 | 2,157 |
| Provision for loan and lease losses | $1,500,000 | 2,158 |
| Total noninterest income | $982,000 | 3,449 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $395,000 | 3,479 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $587,000 | 2,923 |
| Total noninterest expense | $9,195,000 | 2,094 |
| Salaries and employee benefits | $4,693,000 | 2,163 |
| Premises and equipment expense | $1,935,000 | 1,427 |
| Additional noninterest expense | $2,567,000 | 2,291 |
| Pre-tax net operating income | $593,000 | 4,631 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $240,000 | 2,644 |
| Income before extraordinary items | $353,000 | 4,903 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $353,000 | 4,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,223,000 | 1,747 |
| Cash dividends | $80,000 | 5,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $353,000 | 5,069 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $13,555,000 | 2,154 |
| Total interest expense | $5,810,000 | 2,100 |
| Net interest income | $7,745,000 | 2,165 |
| Provision for loan and lease losses | $680,000 | 2,304 |
| Total noninterest income | $743,000 | 3,511 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $295,000 | 3,508 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $448,000 | 2,990 |
| Total noninterest expense | $6,916,000 | 2,076 |
| Salaries and employee benefits | $3,555,000 | 2,172 |
| Premises and equipment expense | $1,262,000 | 1,652 |
| Additional noninterest expense | $2,099,000 | 2,066 |
| Pre-tax net operating income | $892,000 | 3,887 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $348,000 | 2,310 |
| Income before extraordinary items | $544,000 | 4,281 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $544,000 | 4,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $861,000 | 1,430 |
| Cash dividends | $80,000 | 4,530 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $544,000 | 4,439 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,076,000 | 2,172 |
| Total interest expense | $4,018,000 | 2,116 |
| Net interest income | $5,058,000 | 2,196 |
| Provision for loan and lease losses | $315,000 | 2,462 |
| Total noninterest income | $530,000 | 3,390 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $190,000 | 3,582 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $340,000 | 2,838 |
| Total noninterest expense | $4,608,000 | 2,084 |
| Salaries and employee benefits | $2,427,000 | 2,136 |
| Premises and equipment expense | $964,000 | 1,445 |
| Additional noninterest expense | $1,217,000 | 2,310 |
| Pre-tax net operating income | $665,000 | 3,791 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $260,000 | 2,372 |
| Income before extraordinary items | $405,000 | 4,443 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $405,000 | 4,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $586,000 | 1,192 |
| Cash dividends | $5,000 | 4,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $405,000 | 4,386 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,542,000 | 2,218 |
| Total interest expense | $2,146,000 | 2,119 |
| Net interest income | $2,396,000 | 2,292 |
| Provision for loan and lease losses | $90,000 | 2,858 |
| Total noninterest income | $337,000 | 2,892 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $95,000 | 3,562 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $242,000 | 2,278 |
| Total noninterest expense | $2,315,000 | 2,071 |
| Salaries and employee benefits | $1,255,000 | 2,086 |
| Premises and equipment expense | $468,000 | 1,491 |
| Additional noninterest expense | $592,000 | 2,339 |
| Pre-tax net operating income | $328,000 | 3,948 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $127,000 | 2,519 |
| Income before extraordinary items | $201,000 | 4,653 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $201,000 | 4,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $268,000 | 1,055 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $201,000 | 4,556 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,839,000 | 2,184 |
| Total interest expense | $9,681,000 | 1,982 |
| Net interest income | $9,158,000 | 2,414 |
| Provision for loan and lease losses | $750,000 | 1,744 |
| Total noninterest income | $1,201,000 | 3,142 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $331,000 | 3,881 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $870,000 | 2,432 |
| Total noninterest expense | $8,117,000 | 2,258 |
| Salaries and employee benefits | $4,526,000 | 2,221 |
| Premises and equipment expense | $1,659,000 | 1,604 |
| Additional noninterest expense | $1,932,000 | 2,741 |
| Pre-tax net operating income | $1,492,000 | 3,911 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $580,000 | 2,551 |
| Income before extraordinary items | $912,000 | 4,520 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $912,000 | 4,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $479,000 | 1,747 |
| Cash dividends | $13,000 | 5,762 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $912,000 | 4,509 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $14,177,000 | 2,184 |
| Total interest expense | $7,359,000 | 1,975 |
| Net interest income | $6,818,000 | 2,449 |
| Provision for loan and lease losses | $135,000 | 3,624 |
| Total noninterest income | $942,000 | 3,041 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $238,000 | 3,975 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $704,000 | 2,308 |
| Total noninterest expense | $6,154,000 | 2,206 |
| Salaries and employee benefits | $3,477,000 | 2,169 |
| Premises and equipment expense | $1,241,000 | 1,602 |
| Additional noninterest expense | $1,436,000 | 2,717 |
| Pre-tax net operating income | $1,471,000 | 3,528 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $559,000 | 2,392 |
| Income before extraordinary items | $912,000 | 4,091 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $912,000 | 4,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,063 |
| Cash dividends | $13,000 | 5,130 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $912,000 | 4,076 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,313,000 | 2,237 |
| Total interest expense | $4,789,000 | 2,022 |
| Net interest income | $4,524,000 | 2,488 |
| Provision for loan and lease losses | $60,000 | 3,990 |
| Total noninterest income | $691,000 | 2,860 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $156,000 | 4,019 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $535,000 | 2,151 |
| Total noninterest expense | $4,132,000 | 2,222 |
| Salaries and employee benefits | $2,342,000 | 2,187 |
| Premises and equipment expense | $793,000 | 1,677 |
| Additional noninterest expense | $997,000 | 2,636 |
| Pre-tax net operating income | $1,023,000 | 3,483 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $389,000 | 2,417 |
| Income before extraordinary items | $634,000 | 4,053 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $634,000 | 4,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $13,000 | 4,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $634,000 | 4,041 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,512,000 | 2,303 |
| Total interest expense | $2,264,000 | 2,094 |
| Net interest income | $2,248,000 | 2,503 |
| Provision for loan and lease losses | $20,000 | 4,351 |
| Total noninterest income | $328,000 | 2,937 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $76,000 | 4,018 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $252,000 | 2,207 |
| Total noninterest expense | $2,093,000 | 2,215 |
| Salaries and employee benefits | $1,181,000 | 2,176 |
| Premises and equipment expense | $384,000 | 1,739 |
| Additional noninterest expense | $528,000 | 2,491 |
| Pre-tax net operating income | $463,000 | 3,682 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $175,000 | 2,577 |
| Income before extraordinary items | $288,000 | 4,280 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $288,000 | 4,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $13,000 | 3,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $288,000 | 4,256 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,931,000 | 2,184 |
| Total interest expense | $8,172,000 | 2,013 |
| Net interest income | $9,759,000 | 2,336 |
| Provision for loan and lease losses | $395,000 | 2,300 |
| Total noninterest income | $1,255,000 | 3,034 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $265,000 | 4,373 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $990,000 | 2,239 |
| Total noninterest expense | $7,560,000 | 2,346 |
| Salaries and employee benefits | $4,411,000 | 2,212 |
| Premises and equipment expense | $1,233,000 | 2,027 |
| Additional noninterest expense | $1,916,000 | 2,672 |
| Pre-tax net operating income | $3,059,000 | 2,741 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,162,000 | 1,991 |
| Income before extraordinary items | $1,897,000 | 3,212 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,897,000 | 3,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,967 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,897,000 | 3,200 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,226,000 | 2,209 |
| Total interest expense | $5,891,000 | 2,023 |
| Net interest income | $7,335,000 | 2,357 |
| Provision for loan and lease losses | $375,000 | 1,792 |
| Total noninterest income | $944,000 | 3,050 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $189,000 | 4,516 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $755,000 | 2,212 |
| Total noninterest expense | $5,621,000 | 2,355 |
| Salaries and employee benefits | $3,277,000 | 2,239 |
| Premises and equipment expense | $917,000 | 2,057 |
| Additional noninterest expense | $1,427,000 | 2,673 |
| Pre-tax net operating income | $2,283,000 | 2,848 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $868,000 | 2,075 |
| Income before extraordinary items | $1,415,000 | 3,335 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,415,000 | 3,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,550 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,415,000 | 3,320 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,501,000 | 2,241 |
| Total interest expense | $3,647,000 | 2,062 |
| Net interest income | $4,854,000 | 2,383 |
| Provision for loan and lease losses | $311,000 | 1,424 |
| Total noninterest income | $664,000 | 2,929 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $119,000 | 4,620 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $545,000 | 2,102 |
| Total noninterest expense | $3,787,000 | 2,337 |
| Salaries and employee benefits | $2,192,000 | 2,239 |
| Premises and equipment expense | $625,000 | 2,015 |
| Additional noninterest expense | $970,000 | 2,634 |
| Pre-tax net operating income | $1,420,000 | 2,989 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $539,000 | 2,205 |
| Income before extraordinary items | $881,000 | 3,498 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $881,000 | 3,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $881,000 | 3,487 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,093,000 | 2,275 |
| Total interest expense | $1,685,000 | 2,112 |
| Net interest income | $2,408,000 | 2,397 |
| Provision for loan and lease losses | $178,000 | 1,250 |
| Total noninterest income | $284,000 | 3,193 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $55,000 | 4,737 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $229,000 | 2,307 |
| Total noninterest expense | $1,891,000 | 2,348 |
| Salaries and employee benefits | $1,105,000 | 2,226 |
| Premises and equipment expense | $312,000 | 2,023 |
| Additional noninterest expense | $474,000 | 2,660 |
| Pre-tax net operating income | $623,000 | 3,227 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $235,000 | 2,365 |
| Income before extraordinary items | $388,000 | 3,774 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $388,000 | 3,773 |
| 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 | $388,000 | 3,759 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,664,000 | 2,589 |
| Total interest expense | $4,212,000 | 2,541 |
| Net interest income | $8,452,000 | 2,571 |
| Provision for loan and lease losses | $575,000 | 1,699 |
| Total noninterest income | $1,098,000 | 3,340 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $217,000 | 4,869 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $881,000 | 2,398 |
| Total noninterest expense | $6,524,000 | 2,542 |
| Salaries and employee benefits | $3,748,000 | 2,435 |
| Premises and equipment expense | $1,152,000 | 2,082 |
| Additional noninterest expense | $1,624,000 | 3,041 |
| Pre-tax net operating income | $2,451,000 | 3,200 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $931,000 | 2,350 |
| Income before extraordinary items | $1,520,000 | 3,758 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,520,000 | 3,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $125,000 | 696 |
| Net operating income | $1,520,000 | 3,721 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,909,000 | 2,678 |
| Total interest expense | $2,850,000 | 2,643 |
| Net interest income | $6,059,000 | 2,651 |
| Provision for loan and lease losses | $500,000 | 1,397 |
| Total noninterest income | $890,000 | 3,167 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $163,000 | 4,904 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $727,000 | 2,259 |
| Total noninterest expense | $4,739,000 | 2,602 |
| Salaries and employee benefits | $2,675,000 | 2,517 |
| Premises and equipment expense | $847,000 | 2,109 |
| Additional noninterest expense | $1,217,000 | 3,010 |
| Pre-tax net operating income | $1,710,000 | 3,438 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $650,000 | 2,511 |
| Income before extraordinary items | $1,060,000 | 4,006 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,060,000 | 4,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 677 |
| Net operating income | $1,060,000 | 3,959 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,486,000 | 2,803 |
| Total interest expense | $1,711,000 | 2,732 |
| Net interest income | $3,775,000 | 2,794 |
| Provision for loan and lease losses | $350,000 | 1,336 |
| Total noninterest income | $607,000 | 3,068 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $111,000 | 4,818 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $496,000 | 2,196 |
| Total noninterest expense | $3,044,000 | 2,661 |
| Salaries and employee benefits | $1,728,000 | 2,575 |
| Premises and equipment expense | $547,000 | 2,171 |
| Additional noninterest expense | $769,000 | 3,122 |
| Pre-tax net operating income | $988,000 | 3,744 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $375,000 | 2,714 |
| Income before extraordinary items | $613,000 | 4,363 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $613,000 | 4,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 549 |
| Net operating income | $613,000 | 4,308 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,453,000 | 3,034 |
| Total interest expense | $751,000 | 2,949 |
| Net interest income | $1,702,000 | 3,060 |
| Provision for loan and lease losses | $150,000 | 1,379 |
| Total noninterest income | $176,000 | 4,306 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $56,000 | 4,748 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $120,000 | 3,395 |
| Total noninterest expense | $1,387,000 | 2,905 |
| Salaries and employee benefits | $778,000 | 2,829 |
| Premises and equipment expense | $265,000 | 2,234 |
| Additional noninterest expense | $344,000 | 3,411 |
| Pre-tax net operating income | $341,000 | 4,659 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $129,000 | 3,372 |
| Income before extraordinary items | $212,000 | 5,275 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $212,000 | 5,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $212,000 | 5,239 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,309,000 | 3,690 |
| Total interest expense | $1,717,000 | 4,109 |
| Net interest income | $5,592,000 | 3,496 |
| Provision for loan and lease losses | $500,000 | 1,952 |
| Total noninterest income | $815,000 | 4,000 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $197,000 | 5,260 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $618,000 | 2,934 |
| Total noninterest expense | $4,394,000 | 3,487 |
| Salaries and employee benefits | $2,521,000 | 3,323 |
| Premises and equipment expense | $716,000 | 3,072 |
| Additional noninterest expense | $1,157,000 | 3,864 |
| Pre-tax net operating income | $1,513,000 | 4,230 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $575,000 | 3,103 |
| Income before extraordinary items | $938,000 | 4,857 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $938,000 | 4,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $5,319,000 | 221 |
| Net operating income | $938,000 | 4,790 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,042,000 | 3,914 |
| Total interest expense | $1,142,000 | 4,437 |
| Net interest income | $3,900,000 | 3,671 |
| Provision for loan and lease losses | $380,000 | 1,853 |
| Total noninterest income | $581,000 | 4,166 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $139,000 | 5,432 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $442,000 | 3,020 |
| Total noninterest expense | $3,123,000 | 3,589 |
| Salaries and employee benefits | $1,793,000 | 3,440 |
| Premises and equipment expense | $494,000 | 3,287 |
| Additional noninterest expense | $836,000 | 3,949 |
| Pre-tax net operating income | $978,000 | 4,661 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $374,000 | 3,425 |
| Income before extraordinary items | $604,000 | 5,345 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $604,000 | 5,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $5,319,000 | 161 |
| Net operating income | $604,000 | 5,261 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,156,000 | 4,094 |
| Total interest expense | $702,000 | 4,661 |
| Net interest income | $2,454,000 | 3,837 |
| Provision for loan and lease losses | $260,000 | 1,774 |
| Total noninterest income | $398,000 | 4,103 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $82,000 | 5,671 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $316,000 | 2,906 |
| Total noninterest expense | $2,013,000 | 3,719 |
| Salaries and employee benefits | $1,150,000 | 3,572 |
| Premises and equipment expense | $314,000 | 3,420 |
| Additional noninterest expense | $549,000 | 4,019 |
| Pre-tax net operating income | $579,000 | 4,913 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $220,000 | 3,596 |
| Income before extraordinary items | $359,000 | 5,603 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $359,000 | 5,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $5,307,000 | 105 |
| Net operating income | $359,000 | 5,518 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,540,000 | 4,179 |
| Total interest expense | $341,000 | 4,784 |
| Net interest income | $1,199,000 | 3,896 |
| Provision for loan and lease losses | $120,000 | 1,785 |
| Total noninterest income | $177,000 | 4,368 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $40,000 | 5,688 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $137,000 | 3,091 |
| Total noninterest expense | $1,018,000 | 3,703 |
| Salaries and employee benefits | $594,000 | 3,498 |
| Premises and equipment expense | $155,000 | 3,497 |
| Additional noninterest expense | $269,000 | 4,077 |
| Pre-tax net operating income | $238,000 | 5,403 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $91,000 | 3,946 |
| Income before extraordinary items | $147,000 | 6,059 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $147,000 | 6,059 |
| 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 | $147,000 | 5,939 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,914,000 | 4,949 |
| Total interest expense | $1,270,000 | 5,382 |
| Net interest income | $3,644,000 | 4,662 |
| Provision for loan and lease losses | $515,000 | 2,117 |
| Total noninterest income | $707,000 | 4,533 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $152,000 | 5,836 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $555,000 | 3,399 |
| Total noninterest expense | $3,342,000 | 4,276 |
| Salaries and employee benefits | $1,949,000 | 4,011 |
| Premises and equipment expense | $542,000 | 3,822 |
| Additional noninterest expense | $851,000 | 4,837 |
| Pre-tax net operating income | $494,000 | 6,700 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $187,000 | 5,018 |
| Income before extraordinary items | $307,000 | 7,253 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $307,000 | 7,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 786 |
| Net operating income | $307,000 | 7,108 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,469,000 | 5,218 |
| Total interest expense | $931,000 | 5,594 |
| Net interest income | $2,538,000 | 4,918 |
| Provision for loan and lease losses | $395,000 | 2,048 |
| Total noninterest income | $500,000 | 4,744 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $106,000 | 6,016 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $394,000 | 3,554 |
| Total noninterest expense | $2,411,000 | 4,382 |
| Salaries and employee benefits | $1,439,000 | 4,056 |
| Premises and equipment expense | $377,000 | 4,035 |
| Additional noninterest expense | $595,000 | 5,032 |
| Pre-tax net operating income | $232,000 | 7,547 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $87,000 | 5,724 |
| Income before extraordinary items | $145,000 | 7,940 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $145,000 | 7,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 618 |
| Net operating income | $145,000 | 7,793 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,176,000 | 5,457 |
| Total interest expense | $611,000 | 5,781 |
| Net interest income | $1,565,000 | 5,201 |
| Provision for loan and lease losses | $275,000 | 1,970 |
| Total noninterest income | $330,000 | 4,744 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $67,000 | 6,104 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $263,000 | 3,534 |
| Total noninterest expense | $1,551,000 | 4,476 |
| Salaries and employee benefits | $935,000 | 4,132 |
| Premises and equipment expense | $234,000 | 4,261 |
| Additional noninterest expense | $382,000 | 5,177 |
| Pre-tax net operating income | $69,000 | 8,234 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $27,000 | 6,403 |
| Income before extraordinary items | $42,000 | 8,493 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $42,000 | 8,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 493 |
| Net operating income | $42,000 | 8,365 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,016,000 | 5,719 |
| Total interest expense | $291,000 | 6,030 |
| Net interest income | $725,000 | 5,432 |
| Provision for loan and lease losses | $95,000 | 2,452 |
| Total noninterest income | $140,000 | 5,063 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $34,000 | 6,012 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $106,000 | 3,823 |
| Total noninterest expense | $724,000 | 4,686 |
| Salaries and employee benefits | $469,000 | 4,095 |
| Premises and equipment expense | $105,000 | 4,559 |
| Additional noninterest expense | $150,000 | 5,938 |
| Pre-tax net operating income | $46,000 | 8,048 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $17,000 | 6,213 |
| Income before extraordinary items | $29,000 | 8,299 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $29,000 | 8,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 316 |
| Net operating income | $29,000 | 8,169 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,005,000 | 6,860 |
| Total interest expense | $925,000 | 7,129 |
| Net interest income | $2,080,000 | 6,502 |
| Provision for loan and lease losses | $414,000 | 2,767 |
| Total noninterest income | $426,000 | 5,620 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $97,000 | 6,623 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $329,000 | 4,061 |
| Total noninterest expense | $2,266,000 | 5,445 |
| Salaries and employee benefits | $1,330,000 | 5,119 |
| Premises and equipment expense | $371,000 | 4,903 |
| Additional noninterest expense | $565,000 | 6,131 |
| Pre-tax net operating income | $-174,000 | 8,819 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-66,000 | 9,018 |
| Income before extraordinary items | $-108,000 | 8,843 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-108,000 | 8,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $4,275,000 | 181 |
| Net operating income | $-108,000 | 8,784 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,043,000 | 9,124 |
| Total interest expense | $452,000 | 9,096 |
| Net interest income | $591,000 | 9,054 |
| Provision for loan and lease losses | $280,000 | 3,357 |
| Total noninterest income | $114,000 | 8,320 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $23,000 | 8,087 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $91,000 | 6,630 |
| Total noninterest expense | $1,593,000 | 6,596 |
| Salaries and employee benefits | $807,000 | 6,742 |
| Premises and equipment expense | $238,000 | 6,235 |
| Additional noninterest expense | $548,000 | 6,165 |
| Pre-tax net operating income | $-1,168,000 | 9,400 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-373,000 | 9,462 |
| Income before extraordinary items | $-795,000 | 9,348 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-795,000 | 9,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $6,998,000 | 123 |
| Net operating income | $-795,000 | 9,316 |
* 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.