Home > Freestar Bank > Income and Expense
Freestar Bank, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $14,735,000 | 1,469 |
| Total interest expense | $2,632,000 | 1,758 |
| Net interest income | $12,103,000 | 1,378 |
| Provision for loan and lease losses | $703,000 | 2,434 |
| Total noninterest income | $3,556,000 | 1,089 |
| Gross Fiduciary activities income | $526,000 | 483 |
| Service charges on deposit accounts | $863,000 | 1,290 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $2,167,000 | 1,069 |
| Total noninterest expense | $10,969,000 | 1,344 |
| Salaries and employee benefits | $5,856,000 | 1,268 |
| Premises and equipment expense | $1,330,000 | 1,425 |
| Additional noninterest expense | $3,783,000 | 1,364 |
| Pre-tax net operating income | $3,987,000 | 1,153 |
| Securities gains (losses) | $7,000 | 3,148 |
| Applicable income taxes | $57,000 | 3,550 |
| Income before extraordinary items | $3,937,000 | 980 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,937,000 | 977 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $3,937,000 | 980 |
| Net charge-offs | $646,000 | 2,382 |
| Cash dividends | $2,909,000 | 468 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $3,930,070 | 933 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $9,813,000 | 1,487 |
| Total interest expense | $1,801,000 | 1,775 |
| Net interest income | $8,012,000 | 1,387 |
| Provision for loan and lease losses | $202,000 | 3,513 |
| Total noninterest income | $2,360,000 | 1,083 |
| Gross Fiduciary activities income | $300,000 | 531 |
| Service charges on deposit accounts | $558,000 | 1,304 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,502,000 | 1,016 |
| Total noninterest expense | $7,436,000 | 1,334 |
| Salaries and employee benefits | $3,936,000 | 1,266 |
| Premises and equipment expense | $876,000 | 1,441 |
| Additional noninterest expense | $2,624,000 | 1,336 |
| Pre-tax net operating income | $2,734,000 | 1,094 |
| Securities gains (losses) | $7,000 | 2,466 |
| Applicable income taxes | $35,000 | 3,564 |
| Income before extraordinary items | $2,706,000 | 911 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,706,000 | 910 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $2,706,000 | 911 |
| Net charge-offs | $247,000 | 2,892 |
| Cash dividends | $2,046,000 | 417 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $2,699,070 | 883 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $4,966,000 | 1,475 |
| Total interest expense | $906,000 | 1,822 |
| Net interest income | $4,060,000 | 1,367 |
| Provision for loan and lease losses | $76,000 | 3,662 |
| Total noninterest income | $1,211,000 | 1,063 |
| Gross Fiduciary activities income | $150,000 | 532 |
| Service charges on deposit accounts | $269,000 | 1,322 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $792,000 | 978 |
| Total noninterest expense | $3,662,000 | 1,363 |
| Salaries and employee benefits | $1,970,000 | 1,274 |
| Premises and equipment expense | $434,000 | 1,486 |
| Additional noninterest expense | $1,258,000 | 1,388 |
| Pre-tax net operating income | $1,533,000 | 990 |
| Securities gains (losses) | $7,000 | 1,395 |
| Applicable income taxes | $12,000 | 3,703 |
| Income before extraordinary items | $1,528,000 | 816 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,528,000 | 815 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,528,000 | 816 |
| Net charge-offs | $86,000 | 2,893 |
| Cash dividends | $938,000 | 420 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $1,521,070 | 803 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $21,073,000 | 1,453 |
| Total interest expense | $4,417,000 | 1,826 |
| Net interest income | $16,656,000 | 1,342 |
| Provision for loan and lease losses | $1,295,000 | 2,664 |
| Total noninterest income | $4,777,000 | 1,130 |
| Gross Fiduciary activities income | $656,000 | 498 |
| Service charges on deposit accounts | $1,167,000 | 1,293 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,954,000 | 1,075 |
| Total noninterest expense | $14,461,000 | 1,382 |
| Salaries and employee benefits | $7,741,000 | 1,268 |
| Premises and equipment expense | $1,584,000 | 1,621 |
| Additional noninterest expense | $5,136,000 | 1,414 |
| Pre-tax net operating income | $5,677,000 | 914 |
| Securities gains (losses) | $-744,000 | 7,478 |
| Applicable income taxes | $69,000 | 3,467 |
| Income before extraordinary items | $4,864,000 | 909 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,864,000 | 910 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $4,864,000 | 911 |
| Net charge-offs | $345,000 | 4,135 |
| Cash dividends | $2,338,000 | 713 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $5,600,560 | 750 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $15,928,000 | 1,481 |
| Total interest expense | $3,415,000 | 1,845 |
| Net interest income | $12,513,000 | 1,354 |
| Provision for loan and lease losses | $1,125,000 | 2,350 |
| Total noninterest income | $3,388,000 | 1,160 |
| Gross Fiduciary activities income | $453,000 | 514 |
| Service charges on deposit accounts | $870,000 | 1,346 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $2,065,000 | 1,086 |
| Total noninterest expense | $10,742,000 | 1,390 |
| Salaries and employee benefits | $5,603,000 | 1,315 |
| Premises and equipment expense | $1,175,000 | 1,665 |
| Additional noninterest expense | $3,964,000 | 1,347 |
| Pre-tax net operating income | $4,034,000 | 1,010 |
| Securities gains (losses) | $-340,000 | 7,552 |
| Applicable income taxes | $54,000 | 3,528 |
| Income before extraordinary items | $3,640,000 | 958 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $3,640,000 | 960 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $3,640,000 | 960 |
| Net charge-offs | $211,000 | 4,166 |
| Cash dividends | $1,561,000 | 689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $3,976,600 | 830 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $10,660,000 | 1,497 |
| Total interest expense | $2,341,000 | 1,859 |
| Net interest income | $8,319,000 | 1,361 |
| Provision for loan and lease losses | $875,000 | 2,090 |
| Total noninterest income | $2,083,000 | 1,204 |
| Gross Fiduciary activities income | $300,000 | 518 |
| Service charges on deposit accounts | $569,000 | 1,381 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,214,000 | 1,139 |
| Total noninterest expense | $6,900,000 | 1,430 |
| Salaries and employee benefits | $3,641,000 | 1,359 |
| Premises and equipment expense | $781,000 | 1,685 |
| Additional noninterest expense | $2,478,000 | 1,437 |
| Pre-tax net operating income | $2,627,000 | 1,020 |
| Securities gains (losses) | $-240,000 | 7,618 |
| Applicable income taxes | $64,000 | 3,127 |
| Income before extraordinary items | $2,323,000 | 975 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,323,000 | 976 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $2,323,000 | 976 |
| Net charge-offs | $181,000 | 3,647 |
| Cash dividends | $672,000 | 1,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $2,555,800 | 840 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $5,378,000 | 1,513 |
| Total interest expense | $1,231,000 | 1,867 |
| Net interest income | $4,147,000 | 1,380 |
| Provision for loan and lease losses | $500,000 | 1,815 |
| Total noninterest income | $986,000 | 1,249 |
| Gross Fiduciary activities income | $150,000 | 529 |
| Service charges on deposit accounts | $280,000 | 1,401 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $556,000 | 1,188 |
| Total noninterest expense | $3,398,000 | 1,478 |
| Salaries and employee benefits | $1,807,000 | 1,389 |
| Premises and equipment expense | $394,000 | 1,723 |
| Additional noninterest expense | $1,197,000 | 1,480 |
| Pre-tax net operating income | $1,235,000 | 1,072 |
| Securities gains (losses) | $-65,000 | 7,656 |
| Applicable income taxes | $34,000 | 3,085 |
| Income before extraordinary items | $1,136,000 | 957 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,136,000 | 961 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $1,136,000 | 961 |
| Net charge-offs | $-19,000 | 7,635 |
| Cash dividends | $363,000 | 931 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $1,199,050 | 888 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $21,284,000 | 1,604 |
| Total interest expense | $6,452,000 | 1,811 |
| Net interest income | $14,832,000 | 1,521 |
| Provision for loan and lease losses | $945,000 | 3,587 |
| Total noninterest income | $4,510,000 | 1,193 |
| Gross Fiduciary activities income | $682,000 | 474 |
| Service charges on deposit accounts | $1,264,000 | 1,366 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,564,000 | 1,153 |
| Total noninterest expense | $13,939,000 | 1,482 |
| Salaries and employee benefits | $7,319,000 | 1,376 |
| Premises and equipment expense | $1,654,000 | 1,627 |
| Additional noninterest expense | $4,966,000 | 1,501 |
| Pre-tax net operating income | $4,458,000 | 937 |
| Securities gains (losses) | $-206,000 | 7,426 |
| Applicable income taxes | $93,000 | 2,916 |
| Income before extraordinary items | $4,159,000 | 830 |
| Extraordinary gains, net | $-2,000 | 7,974 |
| Net income | $4,157,000 | 829 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $4,157,000 | 830 |
| Net charge-offs | $952,000 | 2,922 |
| Cash dividends | $1,734,000 | 1,041 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $4,360,880 | 780 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $15,833,000 | 1,657 |
| Total interest expense | $5,011,000 | 1,822 |
| Net interest income | $10,822,000 | 1,554 |
| Provision for loan and lease losses | $795,000 | 3,115 |
| Total noninterest income | $3,406,000 | 1,197 |
| Gross Fiduciary activities income | $450,000 | 502 |
| Service charges on deposit accounts | $935,000 | 1,385 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $2,021,000 | 1,137 |
| Total noninterest expense | $10,350,000 | 1,488 |
| Salaries and employee benefits | $5,389,000 | 1,421 |
| Premises and equipment expense | $1,189,000 | 1,730 |
| Additional noninterest expense | $3,772,000 | 1,434 |
| Pre-tax net operating income | $3,083,000 | 1,060 |
| Securities gains (losses) | $-29,000 | 7,316 |
| Applicable income taxes | $81,000 | 3,024 |
| Income before extraordinary items | $2,973,000 | 916 |
| Extraordinary gains, net | $-2,000 | 8,076 |
| Net income | $2,971,000 | 917 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $2,971,000 | 917 |
| Net charge-offs | $921,000 | 2,287 |
| Cash dividends | $972,000 | 1,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,001,130 | 898 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $10,507,000 | 1,691 |
| Total interest expense | $3,455,000 | 1,860 |
| Net interest income | $7,052,000 | 1,585 |
| Provision for loan and lease losses | $400,000 | 3,257 |
| Total noninterest income | $2,250,000 | 1,223 |
| Gross Fiduciary activities income | $300,000 | 508 |
| Service charges on deposit accounts | $614,000 | 1,387 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,336,000 | 1,177 |
| Total noninterest expense | $6,805,000 | 1,527 |
| Salaries and employee benefits | $3,574,000 | 1,457 |
| Premises and equipment expense | $756,000 | 1,827 |
| Additional noninterest expense | $2,475,000 | 1,494 |
| Pre-tax net operating income | $2,097,000 | 1,077 |
| Securities gains (losses) | $-1,000 | 7,343 |
| Applicable income taxes | $69,000 | 2,927 |
| Income before extraordinary items | $2,027,000 | 936 |
| Extraordinary gains, net | $-2,000 | 8,173 |
| Net income | $2,025,000 | 937 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $2,025,000 | 937 |
| Net charge-offs | $166,000 | 3,655 |
| Cash dividends | $778,000 | 1,169 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $2,027,970 | 907 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,240,000 | 1,712 |
| Total interest expense | $1,801,000 | 1,849 |
| Net interest income | $3,439,000 | 1,625 |
| Provision for loan and lease losses | $150,000 | 3,210 |
| Total noninterest income | $1,091,000 | 1,193 |
| Gross Fiduciary activities income | $150,000 | 512 |
| Service charges on deposit accounts | $315,000 | 1,308 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $626,000 | 1,198 |
| Total noninterest expense | $3,237,000 | 1,554 |
| Salaries and employee benefits | $1,776,000 | 1,479 |
| Premises and equipment expense | $396,000 | 1,786 |
| Additional noninterest expense | $1,065,000 | 1,511 |
| Pre-tax net operating income | $1,143,000 | 1,113 |
| Securities gains (losses) | $-1,000 | 7,699 |
| Applicable income taxes | $57,000 | 2,772 |
| Income before extraordinary items | $1,085,000 | 992 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,085,000 | 992 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $1,085,000 | 994 |
| Net charge-offs | $-10,000 | 7,862 |
| Cash dividends | $400,000 | 1,067 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,085,950 | 929 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $22,937,000 | 1,675 |
| Total interest expense | $9,859,000 | 1,647 |
| Net interest income | $13,078,000 | 1,698 |
| Provision for loan and lease losses | $890,000 | 2,889 |
| Total noninterest income | $4,596,000 | 1,139 |
| Gross Fiduciary activities income | $727,000 | 484 |
| Service charges on deposit accounts | $1,520,000 | 1,181 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,349,000 | 1,161 |
| Total noninterest expense | $12,452,000 | 1,567 |
| Salaries and employee benefits | $7,030,000 | 1,468 |
| Premises and equipment expense | $1,542,000 | 1,776 |
| Additional noninterest expense | $3,880,000 | 1,599 |
| Pre-tax net operating income | $4,332,000 | 1,265 |
| Securities gains (losses) | $-2,905,000 | 7,990 |
| Applicable income taxes | $30,000 | 4,119 |
| Income before extraordinary items | $1,397,000 | 2,639 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,397,000 | 2,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $663,000 | 2,428 |
| Cash dividends | $1,170,000 | 2,095 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $4,243,900 | 1,042 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $17,419,000 | 1,704 |
| Total interest expense | $7,794,000 | 1,617 |
| Net interest income | $9,625,000 | 1,748 |
| Provision for loan and lease losses | $740,000 | 2,192 |
| Total noninterest income | $3,466,000 | 1,167 |
| Gross Fiduciary activities income | $432,000 | 543 |
| Service charges on deposit accounts | $1,143,000 | 1,191 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,891,000 | 1,155 |
| Total noninterest expense | $9,155,000 | 1,595 |
| Salaries and employee benefits | $5,219,000 | 1,516 |
| Premises and equipment expense | $1,153,000 | 1,783 |
| Additional noninterest expense | $2,783,000 | 1,608 |
| Pre-tax net operating income | $3,196,000 | 1,528 |
| Securities gains (losses) | $-2,640,000 | 8,111 |
| Applicable income taxes | $22,000 | 4,556 |
| Income before extraordinary items | $534,000 | 4,318 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $534,000 | 4,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $587,000 | 1,788 |
| Cash dividends | $930,000 | 1,916 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,068,400 | 1,276 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $11,623,000 | 1,730 |
| Total interest expense | $5,424,000 | 1,610 |
| Net interest income | $6,199,000 | 1,810 |
| Provision for loan and lease losses | $590,000 | 1,727 |
| Total noninterest income | $2,239,000 | 1,209 |
| Gross Fiduciary activities income | $288,000 | 556 |
| Service charges on deposit accounts | $758,000 | 1,178 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,193,000 | 1,242 |
| Total noninterest expense | $6,232,000 | 1,553 |
| Salaries and employee benefits | $3,607,000 | 1,458 |
| Premises and equipment expense | $754,000 | 1,814 |
| Additional noninterest expense | $1,871,000 | 1,567 |
| Pre-tax net operating income | $1,616,000 | 2,046 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $15,000 | 4,827 |
| Income before extraordinary items | $1,601,000 | 1,689 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,601,000 | 1,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $871,000 | 940 |
| Cash dividends | $472,000 | 2,371 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,601,000 | 1,660 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,911,000 | 1,743 |
| Total interest expense | $2,893,000 | 1,616 |
| Net interest income | $3,018,000 | 1,853 |
| Provision for loan and lease losses | $140,000 | 2,266 |
| Total noninterest income | $1,118,000 | 1,220 |
| Gross Fiduciary activities income | $144,000 | 569 |
| Service charges on deposit accounts | $385,000 | 1,138 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $589,000 | 1,246 |
| Total noninterest expense | $3,110,000 | 1,549 |
| Salaries and employee benefits | $1,792,000 | 1,485 |
| Premises and equipment expense | $390,000 | 1,761 |
| Additional noninterest expense | $928,000 | 1,545 |
| Pre-tax net operating income | $886,000 | 1,989 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $8,000 | 4,911 |
| Income before extraordinary items | $878,000 | 1,690 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $878,000 | 1,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 1,203 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $878,000 | 1,632 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $19,363,000 | 2,136 |
| Total interest expense | $10,083,000 | 1,937 |
| Net interest income | $9,280,000 | 2,396 |
| Provision for loan and lease losses | $525,000 | 2,254 |
| Total noninterest income | $3,406,000 | 1,490 |
| Gross Fiduciary activities income | $614,000 | 543 |
| Service charges on deposit accounts | $1,172,000 | 1,534 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,620,000 | 1,589 |
| Total noninterest expense | $10,315,000 | 1,795 |
| Salaries and employee benefits | $5,955,000 | 1,685 |
| Premises and equipment expense | $1,083,000 | 2,399 |
| Additional noninterest expense | $3,277,000 | 1,705 |
| Pre-tax net operating income | $1,846,000 | 3,490 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $5,000 | 5,774 |
| Income before extraordinary items | $1,841,000 | 3,014 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,841,000 | 3,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $510,000 | 1,665 |
| Cash dividends | $609,000 | 3,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,841,000 | 3,008 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,741,000 | 2,253 |
| Total interest expense | $7,144,000 | 2,013 |
| Net interest income | $6,597,000 | 2,519 |
| Provision for loan and lease losses | $225,000 | 2,782 |
| Total noninterest income | $2,461,000 | 1,538 |
| Gross Fiduciary activities income | $413,000 | 569 |
| Service charges on deposit accounts | $803,000 | 1,646 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,245,000 | 1,560 |
| Total noninterest expense | $7,434,000 | 1,841 |
| Salaries and employee benefits | $4,484,000 | 1,684 |
| Premises and equipment expense | $742,000 | 2,590 |
| Additional noninterest expense | $2,208,000 | 1,826 |
| Pre-tax net operating income | $1,399,000 | 3,623 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $5,000 | 5,890 |
| Income before extraordinary items | $1,394,000 | 3,127 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,394,000 | 3,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 1,795 |
| Cash dividends | $609,000 | 2,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,394,000 | 3,111 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,107,000 | 2,288 |
| Total interest expense | $4,731,000 | 2,036 |
| Net interest income | $4,376,000 | 2,548 |
| Provision for loan and lease losses | $150,000 | 2,579 |
| Total noninterest income | $1,604,000 | 1,585 |
| Gross Fiduciary activities income | $275,000 | 577 |
| Service charges on deposit accounts | $524,000 | 1,680 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $805,000 | 1,610 |
| Total noninterest expense | $4,934,000 | 1,868 |
| Salaries and employee benefits | $2,991,000 | 1,715 |
| Premises and equipment expense | $490,000 | 2,634 |
| Additional noninterest expense | $1,453,000 | 1,864 |
| Pre-tax net operating income | $896,000 | 3,766 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $5,000 | 5,893 |
| Income before extraordinary items | $891,000 | 3,273 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $891,000 | 3,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 1,151 |
| Cash dividends | $609,000 | 2,151 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $891,000 | 3,253 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,502,000 | 2,309 |
| Total interest expense | $2,310,000 | 2,067 |
| Net interest income | $2,192,000 | 2,547 |
| Provision for loan and lease losses | $75,000 | 2,404 |
| Total noninterest income | $777,000 | 1,611 |
| Gross Fiduciary activities income | $138,000 | 586 |
| Service charges on deposit accounts | $251,000 | 1,710 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $388,000 | 1,624 |
| Total noninterest expense | $2,413,000 | 1,919 |
| Salaries and employee benefits | $1,485,000 | 1,747 |
| Premises and equipment expense | $250,000 | 2,587 |
| Additional noninterest expense | $678,000 | 1,950 |
| Pre-tax net operating income | $481,000 | 3,619 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $5,000 | 5,693 |
| Income before extraordinary items | $476,000 | 3,140 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $476,000 | 3,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 847 |
| Cash dividends | $239,000 | 2,236 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $476,000 | 3,114 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $16,247,000 | 2,390 |
| Total interest expense | $8,028,000 | 2,036 |
| Net interest income | $8,219,000 | 2,691 |
| Provision for loan and lease losses | $220,000 | 3,350 |
| Total noninterest income | $3,305,000 | 1,486 |
| Gross Fiduciary activities income | $591,000 | 547 |
| Service charges on deposit accounts | $1,203,000 | 1,489 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,511,000 | 1,658 |
| Total noninterest expense | $9,263,000 | 1,915 |
| Salaries and employee benefits | $5,440,000 | 1,797 |
| Premises and equipment expense | $836,000 | 2,894 |
| Additional noninterest expense | $2,987,000 | 1,769 |
| Pre-tax net operating income | $2,041,000 | 3,593 |
| Securities gains (losses) | $-38,000 | 7,833 |
| Applicable income taxes | $20,000 | 5,921 |
| Income before extraordinary items | $1,983,000 | 3,119 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,983,000 | 3,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $320,000 | 1,590 |
| Cash dividends | $1,642,000 | 1,812 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,020,620 | 3,071 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,834,000 | 2,436 |
| Total interest expense | $5,712,000 | 2,078 |
| Net interest income | $6,122,000 | 2,734 |
| Provision for loan and lease losses | $150,000 | 3,386 |
| Total noninterest income | $2,473,000 | 1,503 |
| Gross Fiduciary activities income | $466,000 | 535 |
| Service charges on deposit accounts | $912,000 | 1,479 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,095,000 | 1,698 |
| Total noninterest expense | $6,975,000 | 1,898 |
| Salaries and employee benefits | $4,167,000 | 1,762 |
| Premises and equipment expense | $620,000 | 2,915 |
| Additional noninterest expense | $2,188,000 | 1,777 |
| Pre-tax net operating income | $1,470,000 | 3,830 |
| Securities gains (losses) | $-38,000 | 8,080 |
| Applicable income taxes | $11,000 | 6,190 |
| Income before extraordinary items | $1,421,000 | 3,323 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,421,000 | 3,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $256,000 | 1,287 |
| Cash dividends | $1,392,000 | 1,545 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,458,620 | 3,254 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,656,000 | 2,464 |
| Total interest expense | $3,598,000 | 2,080 |
| Net interest income | $4,058,000 | 2,752 |
| Provision for loan and lease losses | $100,000 | 3,294 |
| Total noninterest income | $1,603,000 | 1,534 |
| Gross Fiduciary activities income | $327,000 | 521 |
| Service charges on deposit accounts | $604,000 | 1,469 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $672,000 | 1,814 |
| Total noninterest expense | $4,574,000 | 1,936 |
| Salaries and employee benefits | $2,724,000 | 1,800 |
| Premises and equipment expense | $404,000 | 2,978 |
| Additional noninterest expense | $1,446,000 | 1,807 |
| Pre-tax net operating income | $987,000 | 3,822 |
| Securities gains (losses) | $-38,000 | 8,292 |
| Applicable income taxes | $2,000 | 6,505 |
| Income before extraordinary items | $947,000 | 3,337 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $947,000 | 3,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $281,000 | 872 |
| Cash dividends | $1,153,000 | 1,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $985,000 | 3,243 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,771,000 | 2,448 |
| Total interest expense | $1,714,000 | 2,081 |
| Net interest income | $2,057,000 | 2,718 |
| Provision for loan and lease losses | $50,000 | 3,099 |
| Total noninterest income | $769,000 | 1,563 |
| Gross Fiduciary activities income | $164,000 | 527 |
| Service charges on deposit accounts | $293,000 | 1,457 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $312,000 | 1,884 |
| Total noninterest expense | $2,149,000 | 2,056 |
| Salaries and employee benefits | $1,295,000 | 1,897 |
| Premises and equipment expense | $203,000 | 2,992 |
| Additional noninterest expense | $651,000 | 2,000 |
| Pre-tax net operating income | $627,000 | 3,215 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $3,000 | 6,254 |
| Income before extraordinary items | $624,000 | 2,665 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $624,000 | 2,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 1,247 |
| Cash dividends | $451,000 | 1,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $624,000 | 2,646 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,734,000 | 2,406 |
| Total interest expense | $5,368,000 | 2,069 |
| Net interest income | $8,366,000 | 2,597 |
| Provision for loan and lease losses | $124,000 | 4,422 |
| Total noninterest income | $3,576,000 | 1,396 |
| Gross Fiduciary activities income | $647,000 | 513 |
| Service charges on deposit accounts | $1,272,000 | 1,380 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,657,000 | 1,543 |
| Total noninterest expense | $7,926,000 | 2,106 |
| Salaries and employee benefits | $4,739,000 | 1,948 |
| Premises and equipment expense | $749,000 | 3,070 |
| Additional noninterest expense | $2,438,000 | 2,059 |
| Pre-tax net operating income | $3,892,000 | 2,269 |
| Securities gains (losses) | $-24,000 | 7,910 |
| Applicable income taxes | $-2,000 | 8,409 |
| Income before extraordinary items | $3,870,000 | 1,786 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,870,000 | 1,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 2,232 |
| Cash dividends | $1,724,000 | 1,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,894,000 | 1,752 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,069,000 | 2,398 |
| Total interest expense | $3,802,000 | 2,073 |
| Net interest income | $6,267,000 | 2,573 |
| Provision for loan and lease losses | $124,000 | 3,834 |
| Total noninterest income | $2,718,000 | 1,393 |
| Gross Fiduciary activities income | $484,000 | 505 |
| Service charges on deposit accounts | $934,000 | 1,388 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,300,000 | 1,497 |
| Total noninterest expense | $5,945,000 | 2,086 |
| Salaries and employee benefits | $3,582,000 | 1,919 |
| Premises and equipment expense | $554,000 | 3,075 |
| Additional noninterest expense | $1,809,000 | 2,059 |
| Pre-tax net operating income | $2,916,000 | 2,295 |
| Securities gains (losses) | $-6,000 | 7,744 |
| Applicable income taxes | $-2,000 | 8,548 |
| Income before extraordinary items | $2,912,000 | 1,797 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,912,000 | 1,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,033 |
| Cash dividends | $1,475,000 | 1,375 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,918,000 | 1,762 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,571,000 | 2,391 |
| Total interest expense | $2,408,000 | 2,055 |
| Net interest income | $4,163,000 | 2,561 |
| Provision for loan and lease losses | $124,000 | 2,974 |
| Total noninterest income | $1,815,000 | 1,372 |
| Gross Fiduciary activities income | $323,000 | 508 |
| Service charges on deposit accounts | $573,000 | 1,475 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $919,000 | 1,432 |
| Total noninterest expense | $3,975,000 | 2,065 |
| Salaries and employee benefits | $2,417,000 | 1,890 |
| Premises and equipment expense | $368,000 | 3,063 |
| Additional noninterest expense | $1,190,000 | 2,071 |
| Pre-tax net operating income | $1,879,000 | 2,292 |
| Securities gains (losses) | $-6,000 | 7,982 |
| Applicable income taxes | $-2,000 | 8,575 |
| Income before extraordinary items | $1,875,000 | 1,822 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,875,000 | 1,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 1,722 |
| Cash dividends | $1,062,000 | 1,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,881,000 | 1,778 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,229,000 | 2,386 |
| Total interest expense | $1,144,000 | 2,063 |
| Net interest income | $2,085,000 | 2,560 |
| Provision for loan and lease losses | $87,000 | 2,311 |
| Total noninterest income | $1,014,000 | 1,233 |
| Gross Fiduciary activities income | $161,000 | 513 |
| Service charges on deposit accounts | $257,000 | 1,591 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $596,000 | 1,175 |
| Total noninterest expense | $1,990,000 | 2,080 |
| Salaries and employee benefits | $1,245,000 | 1,843 |
| Premises and equipment expense | $181,000 | 3,131 |
| Additional noninterest expense | $564,000 | 2,167 |
| Pre-tax net operating income | $1,022,000 | 2,132 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $1,022,000 | 1,636 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,022,000 | 1,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 1,489 |
| Cash dividends | $287,000 | 1,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,022,000 | 1,611 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,654,000 | 2,265 |
| Total interest expense | $3,717,000 | 2,185 |
| Net interest income | $8,937,000 | 2,286 |
| Provision for loan and lease losses | $250,000 | 3,237 |
| Total noninterest income | $3,056,000 | 1,574 |
| Gross Fiduciary activities income | $619,000 | 496 |
| Service charges on deposit accounts | $1,024,000 | 1,722 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,413,000 | 1,712 |
| Total noninterest expense | $7,904,000 | 2,025 |
| Salaries and employee benefits | $4,606,000 | 1,899 |
| Premises and equipment expense | $765,000 | 2,903 |
| Additional noninterest expense | $2,533,000 | 1,922 |
| Pre-tax net operating income | $3,839,000 | 2,121 |
| Securities gains (losses) | $-106,000 | 8,730 |
| Applicable income taxes | $365,000 | 3,869 |
| Income before extraordinary items | $3,368,000 | 1,873 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,368,000 | 1,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 2,453 |
| Cash dividends | $867,000 | 2,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,463,400 | 1,786 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,956,000 | 2,371 |
| Total interest expense | $2,703,000 | 2,201 |
| Net interest income | $6,253,000 | 2,419 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $2,249,000 | 1,617 |
| Gross Fiduciary activities income | $405,000 | 546 |
| Service charges on deposit accounts | $772,000 | 1,727 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,072,000 | 1,692 |
| Total noninterest expense | $5,783,000 | 2,066 |
| Salaries and employee benefits | $3,484,000 | 1,872 |
| Premises and equipment expense | $468,000 | 3,441 |
| Additional noninterest expense | $1,831,000 | 1,964 |
| Pre-tax net operating income | $2,719,000 | 2,234 |
| Securities gains (losses) | $-4,000 | 8,316 |
| Applicable income taxes | $503,000 | 2,889 |
| Income before extraordinary items | $2,212,000 | 2,113 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,212,000 | 2,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 1,850 |
| Cash dividends | $707,000 | 2,183 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,215,240 | 2,062 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,846,000 | 2,403 |
| Total interest expense | $1,742,000 | 2,244 |
| Net interest income | $4,104,000 | 2,439 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,522,000 | 1,568 |
| Gross Fiduciary activities income | $270,000 | 549 |
| Service charges on deposit accounts | $521,000 | 1,679 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $731,000 | 1,662 |
| Total noninterest expense | $3,857,000 | 2,063 |
| Salaries and employee benefits | $2,329,000 | 1,861 |
| Premises and equipment expense | $317,000 | 3,398 |
| Additional noninterest expense | $1,211,000 | 1,975 |
| Pre-tax net operating income | $1,769,000 | 2,264 |
| Securities gains (losses) | $-4,000 | 8,544 |
| Applicable income taxes | $490,000 | 2,239 |
| Income before extraordinary items | $1,275,000 | 2,388 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,275,000 | 2,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $216,000 | 1,302 |
| Cash dividends | $402,000 | 2,437 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,277,880 | 2,323 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,948,000 | 2,390 |
| Total interest expense | $867,000 | 2,276 |
| Net interest income | $2,081,000 | 2,400 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $714,000 | 1,641 |
| Gross Fiduciary activities income | $135,000 | 553 |
| Service charges on deposit accounts | $246,000 | 1,726 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $333,000 | 1,755 |
| Total noninterest expense | $1,933,000 | 2,075 |
| Salaries and employee benefits | $1,181,000 | 1,861 |
| Premises and equipment expense | $157,000 | 3,456 |
| Additional noninterest expense | $595,000 | 1,987 |
| Pre-tax net operating income | $862,000 | 2,287 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $477,000 | 1,346 |
| Income before extraordinary items | $385,000 | 3,612 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $385,000 | 3,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 1,316 |
| Cash dividends | $164,000 | 2,385 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $385,000 | 3,491 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,451,000 | 2,488 |
| Total interest expense | $3,955,000 | 2,231 |
| Net interest income | $7,496,000 | 2,572 |
| Provision for loan and lease losses | $230,000 | 3,756 |
| Total noninterest income | $3,936,000 | 1,357 |
| Gross Fiduciary activities income | $753,000 | 442 |
| Service charges on deposit accounts | $1,032,000 | 1,666 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,151,000 | 1,399 |
| Total noninterest expense | $7,254,000 | 2,177 |
| Salaries and employee benefits | $4,271,000 | 2,002 |
| Premises and equipment expense | $573,000 | 3,661 |
| Additional noninterest expense | $2,410,000 | 1,991 |
| Pre-tax net operating income | $3,948,000 | 1,996 |
| Securities gains (losses) | $70,000 | 2,206 |
| Applicable income taxes | $1,251,000 | 1,876 |
| Income before extraordinary items | $2,767,000 | 2,194 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,767,000 | 2,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,046 |
| Cash dividends | $655,000 | 3,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,718,700 | 2,121 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,550,000 | 2,537 |
| Total interest expense | $3,043,000 | 2,264 |
| Net interest income | $5,507,000 | 2,652 |
| Provision for loan and lease losses | $60,000 | 5,499 |
| Total noninterest income | $3,115,000 | 1,338 |
| Gross Fiduciary activities income | $565,000 | 451 |
| Service charges on deposit accounts | $765,000 | 1,692 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,785,000 | 1,344 |
| Total noninterest expense | $5,450,000 | 2,167 |
| Salaries and employee benefits | $3,284,000 | 1,964 |
| Premises and equipment expense | $415,000 | 3,749 |
| Additional noninterest expense | $1,751,000 | 2,039 |
| Pre-tax net operating income | $3,112,000 | 1,987 |
| Securities gains (losses) | $143,000 | 1,457 |
| Applicable income taxes | $1,003,000 | 1,856 |
| Income before extraordinary items | $2,252,000 | 2,095 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,252,000 | 2,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,860 |
| Cash dividends | $491,000 | 2,724 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,153,330 | 2,070 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,754,000 | 2,533 |
| Total interest expense | $2,065,000 | 2,296 |
| Net interest income | $3,689,000 | 2,639 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $2,079,000 | 1,329 |
| Gross Fiduciary activities income | $352,000 | 471 |
| Service charges on deposit accounts | $487,000 | 1,742 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,240,000 | 1,300 |
| Total noninterest expense | $3,697,000 | 2,123 |
| Salaries and employee benefits | $2,167,000 | 1,969 |
| Premises and equipment expense | $282,000 | 3,674 |
| Additional noninterest expense | $1,248,000 | 1,919 |
| Pre-tax net operating income | $2,011,000 | 2,029 |
| Securities gains (losses) | $143,000 | 1,260 |
| Applicable income taxes | $770,000 | 1,674 |
| Income before extraordinary items | $1,384,000 | 2,259 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,384,000 | 2,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 3,218 |
| Cash dividends | $328,000 | 2,750 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,292,480 | 2,273 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,937,000 | 2,496 |
| Total interest expense | $1,070,000 | 2,269 |
| Net interest income | $1,867,000 | 2,590 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $948,000 | 1,387 |
| Gross Fiduciary activities income | $146,000 | 533 |
| Service charges on deposit accounts | $233,000 | 1,748 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $569,000 | 1,355 |
| Total noninterest expense | $1,907,000 | 2,052 |
| Salaries and employee benefits | $1,081,000 | 1,964 |
| Premises and equipment expense | $144,000 | 3,607 |
| Additional noninterest expense | $682,000 | 1,731 |
| Pre-tax net operating income | $848,000 | 2,353 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $273,000 | 2,181 |
| Income before extraordinary items | $575,000 | 2,636 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $575,000 | 2,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $164,000 | 2,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $575,000 | 2,495 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,018,000 | 2,360 |
| Total interest expense | $5,311,000 | 2,116 |
| Net interest income | $7,707,000 | 2,484 |
| Provision for loan and lease losses | $279,000 | 3,616 |
| Total noninterest income | $2,882,000 | 1,613 |
| Gross Fiduciary activities income | $596,000 | 523 |
| Service charges on deposit accounts | $675,000 | 2,318 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,611,000 | 1,561 |
| Total noninterest expense | $7,449,000 | 2,018 |
| Salaries and employee benefits | $4,389,000 | 1,832 |
| Premises and equipment expense | $682,000 | 3,062 |
| Additional noninterest expense | $2,378,000 | 1,945 |
| Pre-tax net operating income | $2,861,000 | 2,593 |
| Securities gains (losses) | $130,000 | 1,506 |
| Applicable income taxes | $917,000 | 2,365 |
| Income before extraordinary items | $2,074,000 | 2,723 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,074,000 | 2,722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $396,000 | 1,954 |
| Cash dividends | $2,491,000 | 1,109 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,984,300 | 2,737 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,846,000 | 2,474 |
| Total interest expense | $7,355,000 | 2,183 |
| Net interest income | $6,491,000 | 2,743 |
| Provision for loan and lease losses | $60,000 | 6,353 |
| Total noninterest income | $2,025,000 | 1,996 |
| Gross Fiduciary activities income | $588,000 | 540 |
| Service charges on deposit accounts | $593,000 | 2,456 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $844,000 | 2,304 |
| Total noninterest expense | $6,243,000 | 2,291 |
| Salaries and employee benefits | $3,538,000 | 2,131 |
| Premises and equipment expense | $653,000 | 3,122 |
| Additional noninterest expense | $2,052,000 | 2,192 |
| Pre-tax net operating income | $2,213,000 | 2,939 |
| Securities gains (losses) | $247,000 | 1,035 |
| Applicable income taxes | $642,000 | 2,847 |
| Income before extraordinary items | $1,818,000 | 2,767 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,818,000 | 2,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,993 |
| Cash dividends | $655,000 | 2,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,635,220 | 2,924 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,210,000 | 2,631 |
| Total interest expense | $7,301,000 | 2,319 |
| Net interest income | $5,909,000 | 2,994 |
| Provision for loan and lease losses | $210,000 | 3,626 |
| Total noninterest income | $1,760,000 | 2,056 |
| Gross Fiduciary activities income | $622,000 | 538 |
| Service charges on deposit accounts | $516,000 | 2,624 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $622,000 | 2,581 |
| Total noninterest expense | $5,401,000 | 2,527 |
| Salaries and employee benefits | $3,059,000 | 2,340 |
| Premises and equipment expense | $681,000 | 2,933 |
| Additional noninterest expense | $1,661,000 | 2,563 |
| Pre-tax net operating income | $2,058,000 | 3,252 |
| Securities gains (losses) | $-110,000 | 9,444 |
| Applicable income taxes | $409,000 | 3,942 |
| Income before extraordinary items | $1,539,000 | 3,190 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,539,000 | 3,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,523 |
| Cash dividends | $655,000 | 3,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,625,900 | 3,040 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,714,000 | 2,576 |
| Total interest expense | $6,929,000 | 2,143 |
| Net interest income | $5,785,000 | 3,021 |
| Provision for loan and lease losses | $420,000 | 2,015 |
| Total noninterest income | $1,843,000 | 1,970 |
| Gross Fiduciary activities income | $611,000 | 583 |
| Service charges on deposit accounts | $559,000 | 2,386 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $673,000 | 2,443 |
| Total noninterest expense | $5,925,000 | 2,303 |
| Salaries and employee benefits | $3,026,000 | 2,323 |
| Premises and equipment expense | $692,000 | 2,887 |
| Additional noninterest expense | $2,207,000 | 1,977 |
| Pre-tax net operating income | $1,283,000 | 4,563 |
| Securities gains (losses) | $20,000 | 1,398 |
| Applicable income taxes | $211,000 | 5,593 |
| Income before extraordinary items | $1,092,000 | 4,169 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,092,000 | 4,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 1,616 |
| Cash dividends | $325,000 | 4,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,075,200 | 4,172 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,879,000 | 2,541 |
| Total interest expense | $7,097,000 | 2,134 |
| Net interest income | $5,782,000 | 2,982 |
| Provision for loan and lease losses | $2,700,000 | 473 |
| Total noninterest income | $1,580,000 | 2,176 |
| Gross Fiduciary activities income | $632,000 | 562 |
| Service charges on deposit accounts | $391,000 | 3,196 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $557,000 | 2,787 |
| Total noninterest expense | $5,628,000 | 2,326 |
| Salaries and employee benefits | $2,765,000 | 2,440 |
| Premises and equipment expense | $575,000 | 3,293 |
| Additional noninterest expense | $2,288,000 | 1,848 |
| Pre-tax net operating income | $-966,000 | 10,334 |
| Securities gains (losses) | $123,000 | 1,162 |
| Applicable income taxes | $-429,000 | 10,387 |
| Income before extraordinary items | $-414,000 | 10,191 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-414,000 | 10,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,095,000 | 459 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-492,720 | 10,191 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,026,000 | 2,521 |
| Total interest expense | $6,720,000 | 2,244 |
| Net interest income | $6,306,000 | 2,762 |
| Provision for loan and lease losses | $1,312,000 | 802 |
| Total noninterest income | $1,529,000 | 2,166 |
| Gross Fiduciary activities income | $801,000 | 535 |
| Service charges on deposit accounts | $417,000 | 3,115 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $311,000 | 3,838 |
| Total noninterest expense | $5,305,000 | 2,429 |
| Salaries and employee benefits | $2,971,000 | 2,225 |
| Premises and equipment expense | $597,000 | 3,171 |
| Additional noninterest expense | $1,737,000 | 2,384 |
| Pre-tax net operating income | $1,218,000 | 5,197 |
| Securities gains (losses) | $43,000 | 1,423 |
| Applicable income taxes | $304,000 | 5,690 |
| Income before extraordinary items | $957,000 | 4,855 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $957,000 | 4,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $562,000 | 1,230 |
| Cash dividends | $441,000 | 3,763 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $924,320 | 4,911 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,112,000 | 2,963 |
| Total interest expense | $5,757,000 | 2,644 |
| Net interest income | $5,355,000 | 3,308 |
| Provision for loan and lease losses | $170,000 | 3,812 |
| Total noninterest income | $1,159,000 | 2,758 |
| Gross Fiduciary activities income | $526,000 | 689 |
| Service charges on deposit accounts | $354,000 | 3,716 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $279,000 | 4,257 |
| Total noninterest expense | $4,240,000 | 3,161 |
| Salaries and employee benefits | $2,282,000 | 2,932 |
| Premises and equipment expense | $512,000 | 3,707 |
| Additional noninterest expense | $1,446,000 | 3,221 |
| Pre-tax net operating income | $2,104,000 | 3,277 |
| Securities gains (losses) | $-7,000 | 10,114 |
| Applicable income taxes | $576,000 | 3,708 |
| Income before extraordinary items | $1,521,000 | 3,151 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,521,000 | 3,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,752 |
| Cash dividends | $400,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,526,110 | 3,105 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,691,000 | 3,736 |
| Total interest expense | $4,494,000 | 3,311 |
| Net interest income | $4,197,000 | 4,145 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $1,016,000 | 3,066 |
| Gross Fiduciary activities income | $424,000 | 788 |
| Service charges on deposit accounts | $274,000 | 4,620 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $318,000 | 3,870 |
| Total noninterest expense | $3,483,000 | 3,768 |
| Salaries and employee benefits | $1,975,000 | 3,347 |
| Premises and equipment expense | $360,000 | 4,928 |
| Additional noninterest expense | $1,148,000 | 3,899 |
| Pre-tax net operating income | $1,610,000 | 4,205 |
| Securities gains (losses) | $14,000 | 2,143 |
| Applicable income taxes | $370,000 | 5,215 |
| Income before extraordinary items | $1,254,000 | 3,807 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,254,000 | 3,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,500 |
| Cash dividends | $328,000 | 4,319 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,243,220 | 3,822 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,171,000 | 4,130 |
| Total interest expense | $3,361,000 | 3,570 |
| Net interest income | $3,810,000 | 4,571 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $934,000 | 3,267 |
| Gross Fiduciary activities income | $382,000 | 821 |
| Service charges on deposit accounts | $259,000 | 4,912 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $293,000 | 4,145 |
| Total noninterest expense | $3,121,000 | 4,268 |
| Salaries and employee benefits | $1,755,000 | 3,715 |
| Premises and equipment expense | $314,000 | 5,513 |
| Additional noninterest expense | $1,052,000 | 4,512 |
| Pre-tax net operating income | $1,623,000 | 4,121 |
| Securities gains (losses) | $23,000 | 1,661 |
| Applicable income taxes | $328,000 | 5,539 |
| Income before extraordinary items | $1,318,000 | 3,549 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,318,000 | 3,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,205 |
| Cash dividends | $315,000 | 4,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,299,600 | 3,634 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,232,000 | 4,191 |
| Total interest expense | $3,451,000 | 3,635 |
| Net interest income | $3,781,000 | 4,635 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $1,064,000 | 3,179 |
| Gross Fiduciary activities income | $292,000 | 948 |
| Service charges on deposit accounts | $114,000 | 7,999 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $658,000 | 2,708 |
| Total noninterest expense | $3,125,000 | 4,356 |
| Salaries and employee benefits | $1,822,000 | 3,570 |
| Premises and equipment expense | $292,000 | 5,990 |
| Additional noninterest expense | $1,011,000 | 4,878 |
| Pre-tax net operating income | $1,720,000 | 3,848 |
| Securities gains (losses) | $98,000 | 2,538 |
| Applicable income taxes | $416,000 | 4,865 |
| Income before extraordinary items | $1,402,000 | 3,441 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,402,000 | 3,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 11,470 |
| Cash dividends | $4,324,000 | 542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,326,540 | 3,449 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,728,000 | 4,427 |
| Total interest expense | $4,099,000 | 3,992 |
| Net interest income | $3,629,000 | 4,853 |
| Provision for loan and lease losses | $66,000 | 8,365 |
| Total noninterest income | $869,000 | 3,723 |
| Gross Fiduciary activities income | $252,000 | 1,017 |
| Service charges on deposit accounts | $109,000 | 8,244 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $508,000 | 3,151 |
| Total noninterest expense | $3,006,000 | 4,521 |
| Salaries and employee benefits | $1,677,000 | 3,825 |
| Premises and equipment expense | $315,000 | 5,769 |
| Additional noninterest expense | $1,014,000 | 5,008 |
| Pre-tax net operating income | $1,426,000 | 4,245 |
| Securities gains (losses) | $135,000 | 2,548 |
| Applicable income taxes | $331,000 | 5,563 |
| Income before extraordinary items | $1,230,000 | 3,717 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,230,000 | 3,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 6,938 |
| Cash dividends | $1,233,000 | 1,294 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,123,350 | 3,750 |
* 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.