Home > Fullerton Community Bank, FSB > Income and Expense
Fullerton Community Bank, FSB, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $23,041,000 | 927 |
| Total interest expense | $5,962,000 | 769 |
| Net interest income | $17,079,000 | 972 |
| Provision for loan and lease losses | $1,645,000 | 1,424 |
| Total noninterest income | $2,989,000 | 1,238 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $627,000 | 1,732 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $2,362,000 | 999 |
| Total noninterest expense | $15,963,000 | 932 |
| Salaries and employee benefits | $9,812,000 | 758 |
| Premises and equipment expense | $2,527,000 | 749 |
| Additional noninterest expense | $3,624,000 | 1,427 |
| Pre-tax net operating income | $2,460,000 | 1,757 |
| Securities gains (losses) | $335,000 | 857 |
| Applicable income taxes | $920,000 | 1,154 |
| Income before extraordinary items | $1,875,000 | 1,935 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,875,000 | 1,935 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,875,000 | 1,935 |
| Net charge-offs | $2,128,000 | 1,171 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $1,650,550 | 2,058 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $15,556,000 | 928 |
| Total interest expense | $4,125,000 | 775 |
| Net interest income | $11,431,000 | 969 |
| Provision for loan and lease losses | $1,354,000 | 1,225 |
| Total noninterest income | $1,753,000 | 1,336 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $305,000 | 2,200 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,448,000 | 1,048 |
| Total noninterest expense | $10,850,000 | 924 |
| Salaries and employee benefits | $6,601,000 | 753 |
| Premises and equipment expense | $1,708,000 | 741 |
| Additional noninterest expense | $2,541,000 | 1,378 |
| Pre-tax net operating income | $980,000 | 2,580 |
| Securities gains (losses) | $333,000 | 505 |
| Applicable income taxes | $344,000 | 1,662 |
| Income before extraordinary items | $969,000 | 2,340 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $969,000 | 2,340 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $969,000 | 2,340 |
| Net charge-offs | $1,520,000 | 1,108 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $722,580 | 2,780 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $7,768,000 | 937 |
| Total interest expense | $2,123,000 | 785 |
| Net interest income | $5,645,000 | 984 |
| Provision for loan and lease losses | $856,000 | 967 |
| Total noninterest income | $680,000 | 1,606 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $305,000 | 1,171 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $375,000 | 1,645 |
| Total noninterest expense | $5,391,000 | 925 |
| Salaries and employee benefits | $3,293,000 | 764 |
| Premises and equipment expense | $827,000 | 786 |
| Additional noninterest expense | $1,271,000 | 1,378 |
| Pre-tax net operating income | $78,000 | 5,399 |
| Securities gains (losses) | $333,000 | 227 |
| Applicable income taxes | $142,000 | 1,845 |
| Income before extraordinary items | $269,000 | 3,446 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $269,000 | 3,443 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $269,000 | 3,444 |
| Net charge-offs | $1,017,000 | 850 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $52,550 | 5,625 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $33,892,000 | 900 |
| Total interest expense | $9,786,000 | 843 |
| Net interest income | $24,106,000 | 919 |
| Provision for loan and lease losses | $5,934,000 | 1,002 |
| Total noninterest income | $2,233,000 | 1,927 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,233,000 | 1,310 |
| Total noninterest expense | $23,165,000 | 871 |
| Salaries and employee benefits | $11,921,000 | 828 |
| Premises and equipment expense | $3,529,000 | 733 |
| Additional noninterest expense | $7,715,000 | 960 |
| Pre-tax net operating income | $-2,760,000 | 6,885 |
| Securities gains (losses) | $580,000 | 784 |
| Applicable income taxes | $-1,271,000 | 7,364 |
| Income before extraordinary items | $-909,000 | 6,556 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-909,000 | 6,557 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-909,000 | 6,557 |
| Net charge-offs | $6,123,000 | 867 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,280,200 | 6,659 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $25,778,000 | 899 |
| Total interest expense | $7,524,000 | 853 |
| Net interest income | $18,254,000 | 907 |
| Provision for loan and lease losses | $5,552,000 | 804 |
| Total noninterest income | $1,518,000 | 2,071 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,518,000 | 1,332 |
| Total noninterest expense | $17,181,000 | 861 |
| Salaries and employee benefits | $9,394,000 | 771 |
| Premises and equipment expense | $2,642,000 | 740 |
| Additional noninterest expense | $5,145,000 | 1,041 |
| Pre-tax net operating income | $-2,961,000 | 7,193 |
| Securities gains (losses) | $348,000 | 970 |
| Applicable income taxes | $-1,422,000 | 7,556 |
| Income before extraordinary items | $-1,191,000 | 6,958 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,191,000 | 6,957 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-1,191,000 | 6,958 |
| Net charge-offs | $5,788,000 | 702 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-1,413,720 | 6,987 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $17,226,000 | 903 |
| Total interest expense | $5,106,000 | 871 |
| Net interest income | $12,120,000 | 911 |
| Provision for loan and lease losses | $3,545,000 | 836 |
| Total noninterest income | $808,000 | 2,363 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $808,000 | 1,510 |
| Total noninterest expense | $11,972,000 | 825 |
| Salaries and employee benefits | $6,436,000 | 743 |
| Premises and equipment expense | $1,764,000 | 747 |
| Additional noninterest expense | $3,772,000 | 946 |
| Pre-tax net operating income | $-2,589,000 | 7,364 |
| Securities gains (losses) | $57,000 | 1,801 |
| Applicable income taxes | $-1,056,000 | 7,623 |
| Income before extraordinary items | $-1,476,000 | 7,235 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,476,000 | 7,234 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,476,000 | 7,235 |
| Net charge-offs | $3,781,000 | 689 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,512,480 | 7,234 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $8,517,000 | 935 |
| Total interest expense | $2,588,000 | 904 |
| Net interest income | $5,929,000 | 944 |
| Provision for loan and lease losses | $3,357,000 | 507 |
| Total noninterest income | $738,000 | 1,525 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $738,000 | 979 |
| Total noninterest expense | $6,428,000 | 768 |
| Salaries and employee benefits | $3,304,000 | 735 |
| Premises and equipment expense | $876,000 | 768 |
| Additional noninterest expense | $2,248,000 | 799 |
| Pre-tax net operating income | $-3,118,000 | 7,698 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-1,269,000 | 7,821 |
| Income before extraordinary items | $-1,849,000 | 7,628 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,849,000 | 7,630 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,849,000 | 7,630 |
| Net charge-offs | $3,288,000 | 454 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,849,000 | 7,621 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $39,519,000 | 853 |
| Total interest expense | $13,188,000 | 896 |
| Net interest income | $26,331,000 | 824 |
| Provision for loan and lease losses | $11,018,000 | 801 |
| Total noninterest income | $2,840,000 | 1,685 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,840,000 | 1,089 |
| Total noninterest expense | $24,183,000 | 872 |
| Salaries and employee benefits | $13,285,000 | 735 |
| Premises and equipment expense | $3,567,000 | 757 |
| Additional noninterest expense | $7,331,000 | 1,059 |
| Pre-tax net operating income | $-6,030,000 | 7,275 |
| Securities gains (losses) | $655,000 | 719 |
| Applicable income taxes | $-2,812,000 | 7,606 |
| Income before extraordinary items | $-2,563,000 | 6,907 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,563,000 | 6,906 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,563,000 | 6,907 |
| Net charge-offs | $6,960,000 | 903 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-2,982,200 | 6,991 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $30,214,000 | 849 |
| Total interest expense | $10,120,000 | 920 |
| Net interest income | $20,094,000 | 811 |
| Provision for loan and lease losses | $4,251,000 | 1,165 |
| Total noninterest income | $1,989,000 | 1,779 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,989,000 | 1,154 |
| Total noninterest expense | $18,133,000 | 853 |
| Salaries and employee benefits | $10,544,000 | 694 |
| Premises and equipment expense | $2,650,000 | 774 |
| Additional noninterest expense | $4,939,000 | 1,139 |
| Pre-tax net operating income | $-301,000 | 6,135 |
| Securities gains (losses) | $511,000 | 689 |
| Applicable income taxes | $-72,000 | 6,877 |
| Income before extraordinary items | $282,000 | 4,502 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $282,000 | 4,501 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $282,000 | 4,503 |
| Net charge-offs | $3,248,000 | 1,125 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-229,000 | 6,131 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $20,385,000 | 856 |
| Total interest expense | $6,819,000 | 965 |
| Net interest income | $13,566,000 | 799 |
| Provision for loan and lease losses | $2,294,000 | 1,296 |
| Total noninterest income | $1,314,000 | 1,810 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,314,000 | 1,187 |
| Total noninterest expense | $12,421,000 | 856 |
| Salaries and employee benefits | $7,121,000 | 700 |
| Premises and equipment expense | $1,744,000 | 804 |
| Additional noninterest expense | $3,556,000 | 1,079 |
| Pre-tax net operating income | $165,000 | 4,858 |
| Securities gains (losses) | $297,000 | 772 |
| Applicable income taxes | $48,000 | 3,189 |
| Income before extraordinary items | $414,000 | 3,419 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $414,000 | 3,415 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $414,000 | 3,417 |
| Net charge-offs | $2,371,000 | 1,011 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $146,700 | 4,802 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $10,458,000 | 837 |
| Total interest expense | $3,437,000 | 997 |
| Net interest income | $7,021,000 | 758 |
| Provision for loan and lease losses | $1,293,000 | 1,015 |
| Total noninterest income | $461,000 | 2,260 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $461,000 | 1,461 |
| Total noninterest expense | $5,856,000 | 865 |
| Salaries and employee benefits | $3,854,000 | 650 |
| Premises and equipment expense | $852,000 | 838 |
| Additional noninterest expense | $1,150,000 | 1,416 |
| Pre-tax net operating income | $333,000 | 3,169 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $111,000 | 2,071 |
| Income before extraordinary items | $222,000 | 3,692 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $222,000 | 3,692 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $222,000 | 3,693 |
| Net charge-offs | $1,442,000 | 758 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $222,000 | 3,544 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $46,285,000 | 804 |
| Total interest expense | $15,883,000 | 1,012 |
| Net interest income | $30,402,000 | 711 |
| Provision for loan and lease losses | $8,254,000 | 687 |
| Total noninterest income | $2,589,000 | 1,758 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,589,000 | 1,088 |
| Total noninterest expense | $22,494,000 | 885 |
| Salaries and employee benefits | $16,704,000 | 584 |
| Premises and equipment expense | $3,635,000 | 768 |
| Additional noninterest expense | $2,155,000 | 2,674 |
| Pre-tax net operating income | $2,243,000 | 2,270 |
| Securities gains (losses) | $123,000 | 985 |
| Applicable income taxes | $488,000 | 1,886 |
| Income before extraordinary items | $1,878,000 | 2,119 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,878,000 | 2,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,906,000 | 541 |
| Cash dividends | $1,332,000 | 1,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,780,830 | 2,342 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $35,189,000 | 814 |
| Total interest expense | $12,127,000 | 1,034 |
| Net interest income | $23,062,000 | 729 |
| Provision for loan and lease losses | $2,229,000 | 1,105 |
| Total noninterest income | $1,950,000 | 1,807 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,950,000 | 1,129 |
| Total noninterest expense | $17,005,000 | 870 |
| Salaries and employee benefits | $12,889,000 | 578 |
| Premises and equipment expense | $2,672,000 | 784 |
| Additional noninterest expense | $1,444,000 | 2,870 |
| Pre-tax net operating income | $5,778,000 | 879 |
| Securities gains (losses) | $122,000 | 845 |
| Applicable income taxes | $2,123,000 | 621 |
| Income before extraordinary items | $3,777,000 | 974 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,777,000 | 973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $1,332,000 | 1,458 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,698,920 | 1,055 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $23,715,000 | 817 |
| Total interest expense | $8,378,000 | 1,039 |
| Net interest income | $15,337,000 | 721 |
| Provision for loan and lease losses | $951,000 | 1,257 |
| Total noninterest income | $1,234,000 | 1,899 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,234,000 | 1,220 |
| Total noninterest expense | $10,559,000 | 934 |
| Salaries and employee benefits | $7,923,000 | 630 |
| Premises and equipment expense | $1,777,000 | 782 |
| Additional noninterest expense | $859,000 | 3,145 |
| Pre-tax net operating income | $5,061,000 | 700 |
| Securities gains (losses) | $124,000 | 825 |
| Applicable income taxes | $2,019,000 | 513 |
| Income before extraordinary items | $3,166,000 | 859 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,166,000 | 859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $854,000 | 1,613 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $3,086,640 | 863 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $11,930,000 | 842 |
| Total interest expense | $4,715,000 | 981 |
| Net interest income | $7,215,000 | 759 |
| Provision for loan and lease losses | $232,000 | 1,666 |
| Total noninterest income | $662,000 | 1,817 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $662,000 | 1,165 |
| Total noninterest expense | $5,254,000 | 924 |
| Salaries and employee benefits | $3,899,000 | 642 |
| Premises and equipment expense | $878,000 | 794 |
| Additional noninterest expense | $477,000 | 2,834 |
| Pre-tax net operating income | $2,391,000 | 799 |
| Securities gains (losses) | $93,000 | 750 |
| Applicable income taxes | $966,000 | 596 |
| Income before extraordinary items | $1,518,000 | 991 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,518,000 | 993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $644,000 | 1,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,458,480 | 991 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $47,597,000 | 879 |
| Total interest expense | $21,869,000 | 901 |
| Net interest income | $25,728,000 | 848 |
| Provision for loan and lease losses | $693,000 | 1,868 |
| Total noninterest income | $2,626,000 | 1,808 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,626,000 | 1,115 |
| Total noninterest expense | $19,343,000 | 969 |
| Salaries and employee benefits | $13,135,000 | 742 |
| Premises and equipment expense | $3,451,000 | 773 |
| Additional noninterest expense | $2,757,000 | 1,998 |
| Pre-tax net operating income | $8,318,000 | 1,011 |
| Securities gains (losses) | $423,000 | 289 |
| Applicable income taxes | $3,156,000 | 781 |
| Income before extraordinary items | $5,585,000 | 1,154 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,585,000 | 1,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 3,202 |
| Cash dividends | $985,000 | 2,671 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $5,314,280 | 1,197 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $35,491,000 | 887 |
| Total interest expense | $16,342,000 | 901 |
| Net interest income | $19,149,000 | 857 |
| Provision for loan and lease losses | $450,000 | 1,697 |
| Total noninterest income | $2,054,000 | 1,755 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,054,000 | 1,086 |
| Total noninterest expense | $14,414,000 | 963 |
| Salaries and employee benefits | $9,768,000 | 750 |
| Premises and equipment expense | $2,550,000 | 781 |
| Additional noninterest expense | $2,096,000 | 1,925 |
| Pre-tax net operating income | $6,339,000 | 1,090 |
| Securities gains (losses) | $335,000 | 292 |
| Applicable income taxes | $2,357,000 | 837 |
| Income before extraordinary items | $4,317,000 | 1,197 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,317,000 | 1,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,079 |
| Cash dividends | $515,000 | 2,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $4,099,250 | 1,242 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $23,289,000 | 910 |
| Total interest expense | $10,668,000 | 933 |
| Net interest income | $12,621,000 | 885 |
| Provision for loan and lease losses | $240,000 | 1,865 |
| Total noninterest income | $1,466,000 | 1,700 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,466,000 | 1,064 |
| Total noninterest expense | $9,714,000 | 970 |
| Salaries and employee benefits | $6,520,000 | 770 |
| Premises and equipment expense | $1,687,000 | 809 |
| Additional noninterest expense | $1,507,000 | 1,801 |
| Pre-tax net operating income | $4,133,000 | 1,148 |
| Securities gains (losses) | $188,000 | 312 |
| Applicable income taxes | $1,671,000 | 846 |
| Income before extraordinary items | $2,650,000 | 1,340 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,650,000 | 1,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,177 |
| Cash dividends | $50,000 | 4,675 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,529,680 | 1,376 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $11,480,000 | 918 |
| Total interest expense | $5,291,000 | 925 |
| Net interest income | $6,189,000 | 902 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $816,000 | 1,558 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $816,000 | 982 |
| Total noninterest expense | $5,029,000 | 935 |
| Salaries and employee benefits | $3,508,000 | 713 |
| Premises and equipment expense | $808,000 | 833 |
| Additional noninterest expense | $713,000 | 1,866 |
| Pre-tax net operating income | $1,976,000 | 1,192 |
| Securities gains (losses) | $23,000 | 536 |
| Applicable income taxes | $771,000 | 898 |
| Income before extraordinary items | $1,228,000 | 1,424 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,228,000 | 1,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $50,000 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,213,280 | 1,422 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $43,177,000 | 904 |
| Total interest expense | $18,272,000 | 917 |
| Net interest income | $24,905,000 | 888 |
| Provision for loan and lease losses | $700,000 | 1,414 |
| Total noninterest income | $2,539,000 | 1,863 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,539,000 | 1,125 |
| Total noninterest expense | $19,342,000 | 915 |
| Salaries and employee benefits | $13,383,000 | 696 |
| Premises and equipment expense | $3,174,000 | 786 |
| Additional noninterest expense | $2,785,000 | 1,889 |
| Pre-tax net operating income | $7,402,000 | 1,330 |
| Securities gains (losses) | $1,160,000 | 152 |
| Applicable income taxes | $3,327,000 | 864 |
| Income before extraordinary items | $5,235,000 | 1,397 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,235,000 | 1,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $670,000 | 3,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,492,600 | 1,599 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $31,728,000 | 922 |
| Total interest expense | $13,062,000 | 933 |
| Net interest income | $18,666,000 | 908 |
| Provision for loan and lease losses | $700,000 | 1,050 |
| Total noninterest income | $1,829,000 | 1,922 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,829,000 | 1,173 |
| Total noninterest expense | $14,263,000 | 943 |
| Salaries and employee benefits | $9,839,000 | 726 |
| Premises and equipment expense | $2,346,000 | 815 |
| Additional noninterest expense | $2,078,000 | 1,877 |
| Pre-tax net operating income | $5,532,000 | 1,383 |
| Securities gains (losses) | $655,000 | 189 |
| Applicable income taxes | $2,412,000 | 932 |
| Income before extraordinary items | $3,775,000 | 1,481 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,775,000 | 1,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $670,000 | 2,495 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,355,800 | 1,642 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $20,504,000 | 937 |
| Total interest expense | $8,141,000 | 948 |
| Net interest income | $12,363,000 | 913 |
| Provision for loan and lease losses | $525,000 | 938 |
| Total noninterest income | $1,209,000 | 1,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,209,000 | 1,178 |
| Total noninterest expense | $9,235,000 | 975 |
| Salaries and employee benefits | $6,426,000 | 749 |
| Premises and equipment expense | $1,501,000 | 850 |
| Additional noninterest expense | $1,308,000 | 2,005 |
| Pre-tax net operating income | $3,812,000 | 1,329 |
| Securities gains (losses) | $456,000 | 174 |
| Applicable income taxes | $1,667,000 | 909 |
| Income before extraordinary items | $2,601,000 | 1,439 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,601,000 | 1,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $335,000 | 2,955 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,309,160 | 1,574 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $9,858,000 | 941 |
| Total interest expense | $3,805,000 | 957 |
| Net interest income | $6,053,000 | 928 |
| Provision for loan and lease losses | $300,000 | 761 |
| Total noninterest income | $634,000 | 1,835 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $634,000 | 1,132 |
| Total noninterest expense | $4,472,000 | 1,012 |
| Salaries and employee benefits | $3,204,000 | 751 |
| Premises and equipment expense | $733,000 | 871 |
| Additional noninterest expense | $535,000 | 2,397 |
| Pre-tax net operating income | $1,915,000 | 1,297 |
| Securities gains (losses) | $116,000 | 236 |
| Applicable income taxes | $792,000 | 940 |
| Income before extraordinary items | $1,239,000 | 1,468 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,239,000 | 1,467 |
| 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 | $1,164,760 | 1,541 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $30,877,000 | 1,066 |
| Total interest expense | $10,545,000 | 1,063 |
| Net interest income | $20,332,000 | 1,060 |
| Provision for loan and lease losses | $727,000 | 1,372 |
| Total noninterest income | $3,201,000 | 1,523 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,201,000 | 970 |
| Total noninterest expense | $17,194,000 | 984 |
| Salaries and employee benefits | $11,261,000 | 802 |
| Premises and equipment expense | $3,065,000 | 793 |
| Additional noninterest expense | $2,868,000 | 1,759 |
| Pre-tax net operating income | $5,612,000 | 1,667 |
| Securities gains (losses) | $1,934,000 | 143 |
| Applicable income taxes | $2,941,000 | 966 |
| Income before extraordinary items | $4,605,000 | 1,528 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,605,000 | 1,528 |
| 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 | $0 | 934 |
| Net operating income | $3,367,240 | 2,012 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $21,835,000 | 1,096 |
| Total interest expense | $7,136,000 | 1,114 |
| Net interest income | $14,699,000 | 1,087 |
| Provision for loan and lease losses | $402,000 | 1,710 |
| Total noninterest income | $2,527,000 | 1,473 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,527,000 | 944 |
| Total noninterest expense | $12,843,000 | 982 |
| Salaries and employee benefits | $8,340,000 | 803 |
| Premises and equipment expense | $2,315,000 | 776 |
| Additional noninterest expense | $2,188,000 | 1,710 |
| Pre-tax net operating income | $3,981,000 | 1,773 |
| Securities gains (losses) | $900,000 | 189 |
| Applicable income taxes | $1,891,000 | 1,127 |
| Income before extraordinary items | $2,990,000 | 1,759 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,990,000 | 1,760 |
| 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 | $0 | 769 |
| Net operating income | $2,414,000 | 2,096 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $13,739,000 | 1,143 |
| Total interest expense | $4,249,000 | 1,172 |
| Net interest income | $9,490,000 | 1,111 |
| Provision for loan and lease losses | $94,000 | 3,452 |
| Total noninterest income | $1,697,000 | 1,456 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,697,000 | 919 |
| Total noninterest expense | $8,533,000 | 981 |
| Salaries and employee benefits | $5,571,000 | 802 |
| Premises and equipment expense | $1,561,000 | 763 |
| Additional noninterest expense | $1,401,000 | 1,766 |
| Pre-tax net operating income | $2,560,000 | 1,800 |
| Securities gains (losses) | $468,000 | 234 |
| Applicable income taxes | $1,170,000 | 1,202 |
| Income before extraordinary items | $1,858,000 | 1,836 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,858,000 | 1,836 |
| 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 | $0 | 643 |
| Net operating income | $1,558,480 | 2,124 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,576,000 | 1,170 |
| Total interest expense | $1,963,000 | 1,197 |
| Net interest income | $4,613,000 | 1,136 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $780,000 | 1,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $780,000 | 970 |
| Total noninterest expense | $4,202,000 | 991 |
| Salaries and employee benefits | $2,780,000 | 794 |
| Premises and equipment expense | $811,000 | 737 |
| Additional noninterest expense | $611,000 | 2,005 |
| Pre-tax net operating income | $1,116,000 | 1,982 |
| Securities gains (losses) | $122,000 | 337 |
| Applicable income taxes | $475,000 | 1,409 |
| Income before extraordinary items | $763,000 | 2,172 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $763,000 | 2,173 |
| 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 | $684,920 | 2,334 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $23,752,000 | 1,188 |
| Total interest expense | $7,454,000 | 1,085 |
| Net interest income | $16,298,000 | 1,234 |
| Provision for loan and lease losses | $103,000 | 4,930 |
| Total noninterest income | $3,500,000 | 1,421 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,500,000 | 876 |
| Total noninterest expense | $16,885,000 | 962 |
| Salaries and employee benefits | $10,457,000 | 822 |
| Premises and equipment expense | $3,514,000 | 662 |
| Additional noninterest expense | $2,914,000 | 1,670 |
| Pre-tax net operating income | $2,810,000 | 2,726 |
| Securities gains (losses) | $1,994,000 | 186 |
| Applicable income taxes | $1,836,000 | 1,378 |
| Income before extraordinary items | $2,968,000 | 2,096 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,968,000 | 2,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,933 |
| Cash dividends | $602,000 | 3,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,691,840 | 3,266 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $17,374,000 | 1,202 |
| Total interest expense | $5,511,000 | 1,083 |
| Net interest income | $11,863,000 | 1,267 |
| Provision for loan and lease losses | $102,000 | 4,242 |
| Total noninterest income | $2,695,000 | 1,405 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,695,000 | 868 |
| Total noninterest expense | $12,430,000 | 983 |
| Salaries and employee benefits | $7,682,000 | 843 |
| Premises and equipment expense | $2,586,000 | 674 |
| Additional noninterest expense | $2,162,000 | 1,672 |
| Pre-tax net operating income | $2,026,000 | 2,848 |
| Securities gains (losses) | $1,209,000 | 229 |
| Applicable income taxes | $1,229,000 | 1,509 |
| Income before extraordinary items | $2,006,000 | 2,312 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,006,000 | 2,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,384 |
| Cash dividends | $602,000 | 2,390 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,232,240 | 3,390 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,336,000 | 1,215 |
| Total interest expense | $3,587,000 | 1,096 |
| Net interest income | $7,749,000 | 1,281 |
| Provision for loan and lease losses | $1,000 | 6,852 |
| Total noninterest income | $1,764,000 | 1,410 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,764,000 | 877 |
| Total noninterest expense | $8,354,000 | 962 |
| Salaries and employee benefits | $5,192,000 | 821 |
| Premises and equipment expense | $1,658,000 | 701 |
| Additional noninterest expense | $1,504,000 | 1,603 |
| Pre-tax net operating income | $1,158,000 | 3,196 |
| Securities gains (losses) | $373,000 | 419 |
| Applicable income taxes | $568,000 | 2,021 |
| Income before extraordinary items | $963,000 | 3,032 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $963,000 | 3,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,398 |
| Cash dividends | $450,000 | 2,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $724,280 | 3,688 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,791,000 | 1,197 |
| Total interest expense | $1,783,000 | 1,121 |
| Net interest income | $4,008,000 | 1,239 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $788,000 | 1,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $788,000 | 939 |
| Total noninterest expense | $4,190,000 | 978 |
| Salaries and employee benefits | $2,620,000 | 838 |
| Premises and equipment expense | $823,000 | 722 |
| Additional noninterest expense | $747,000 | 1,598 |
| Pre-tax net operating income | $606,000 | 3,062 |
| Securities gains (losses) | $181,000 | 541 |
| Applicable income taxes | $292,000 | 1,969 |
| Income before extraordinary items | $495,000 | 2,963 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $495,000 | 2,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,677 |
| Cash dividends | $75,000 | 3,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $379,160 | 3,529 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $22,225,000 | 1,278 |
| Total interest expense | $7,790,000 | 1,152 |
| Net interest income | $14,435,000 | 1,356 |
| Provision for loan and lease losses | $236,000 | 3,716 |
| Total noninterest income | $3,210,000 | 1,594 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,210,000 | 1,036 |
| Total noninterest expense | $14,994,000 | 1,087 |
| Salaries and employee benefits | $9,393,000 | 906 |
| Premises and equipment expense | $3,125,000 | 731 |
| Additional noninterest expense | $2,476,000 | 1,945 |
| Pre-tax net operating income | $2,415,000 | 2,969 |
| Securities gains (losses) | $1,268,000 | 400 |
| Applicable income taxes | $1,380,000 | 1,749 |
| Income before extraordinary items | $2,303,000 | 2,552 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,303,000 | 2,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,046 |
| Cash dividends | $350,000 | 4,142 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,491,480 | 3,421 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $16,653,000 | 1,304 |
| Total interest expense | $5,939,000 | 1,176 |
| Net interest income | $10,714,000 | 1,379 |
| Provision for loan and lease losses | $232,000 | 3,003 |
| Total noninterest income | $2,240,000 | 1,738 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,240,000 | 1,140 |
| Total noninterest expense | $11,126,000 | 1,099 |
| Salaries and employee benefits | $6,997,000 | 929 |
| Premises and equipment expense | $2,296,000 | 760 |
| Additional noninterest expense | $1,833,000 | 1,951 |
| Pre-tax net operating income | $1,596,000 | 3,392 |
| Securities gains (losses) | $1,118,000 | 407 |
| Applicable income taxes | $1,015,000 | 1,838 |
| Income before extraordinary items | $1,699,000 | 2,685 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,699,000 | 2,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,905 |
| Cash dividends | $350,000 | 3,235 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $983,480 | 3,853 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $11,369,000 | 1,289 |
| Total interest expense | $4,030,000 | 1,184 |
| Net interest income | $7,339,000 | 1,335 |
| Provision for loan and lease losses | $172,000 | 2,806 |
| Total noninterest income | $1,322,000 | 1,895 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,322,000 | 1,239 |
| Total noninterest expense | $7,427,000 | 1,093 |
| Salaries and employee benefits | $4,701,000 | 913 |
| Premises and equipment expense | $1,512,000 | 767 |
| Additional noninterest expense | $1,214,000 | 1,970 |
| Pre-tax net operating income | $1,062,000 | 3,375 |
| Securities gains (losses) | $937,000 | 378 |
| Applicable income taxes | $752,000 | 1,712 |
| Income before extraordinary items | $1,247,000 | 2,486 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,247,000 | 2,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,160 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $647,320 | 3,894 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,735,000 | 1,286 |
| Total interest expense | $2,071,000 | 1,179 |
| Net interest income | $3,664,000 | 1,336 |
| Provision for loan and lease losses | $62,000 | 3,213 |
| Total noninterest income | $664,000 | 1,858 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $664,000 | 1,206 |
| Total noninterest expense | $3,690,000 | 1,084 |
| Salaries and employee benefits | $2,298,000 | 933 |
| Premises and equipment expense | $782,000 | 753 |
| Additional noninterest expense | $610,000 | 1,929 |
| Pre-tax net operating income | $576,000 | 3,171 |
| Securities gains (losses) | $444,000 | 382 |
| Applicable income taxes | $385,000 | 1,680 |
| Income before extraordinary items | $635,000 | 2,403 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $635,000 | 2,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $350,840 | 3,622 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $24,521,000 | 1,255 |
| Total interest expense | $10,645,000 | 1,050 |
| Net interest income | $13,876,000 | 1,407 |
| Provision for loan and lease losses | $349,000 | 3,142 |
| Total noninterest income | $2,409,000 | 1,843 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,409,000 | 1,155 |
| Total noninterest expense | $13,602,000 | 1,130 |
| Salaries and employee benefits | $8,606,000 | 938 |
| Premises and equipment expense | $3,174,000 | 699 |
| Additional noninterest expense | $1,822,000 | 2,520 |
| Pre-tax net operating income | $2,334,000 | 3,049 |
| Securities gains (losses) | $1,684,000 | 308 |
| Applicable income taxes | $1,511,000 | 1,642 |
| Income before extraordinary items | $2,507,000 | 2,344 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,507,000 | 2,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,455 |
| Cash dividends | $350,000 | 4,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,429,240 | 3,521 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $24,561,000 | 1,378 |
| Total interest expense | $13,368,000 | 1,206 |
| Net interest income | $11,193,000 | 1,587 |
| Provision for loan and lease losses | $-46,000 | 9,496 |
| Total noninterest income | $2,032,000 | 1,989 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,032,000 | 1,234 |
| Total noninterest expense | $12,717,000 | 1,154 |
| Salaries and employee benefits | $7,784,000 | 966 |
| Premises and equipment expense | $2,868,000 | 739 |
| Additional noninterest expense | $2,065,000 | 2,178 |
| Pre-tax net operating income | $554,000 | 6,345 |
| Securities gains (losses) | $2,331,000 | 219 |
| Applicable income taxes | $1,040,000 | 2,021 |
| Income before extraordinary items | $1,845,000 | 2,722 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,845,000 | 2,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-235,000 | 9,565 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $353,160 | 6,699 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $22,881,000 | 1,511 |
| Total interest expense | $13,054,000 | 1,334 |
| Net interest income | $9,827,000 | 1,782 |
| Provision for loan and lease losses | $-117,000 | 9,814 |
| Total noninterest income | $2,615,000 | 1,524 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,615,000 | 939 |
| Total noninterest expense | $11,235,000 | 1,235 |
| Salaries and employee benefits | $6,606,000 | 1,067 |
| Premises and equipment expense | $2,595,000 | 778 |
| Additional noninterest expense | $2,034,000 | 2,118 |
| Pre-tax net operating income | $1,324,000 | 4,446 |
| Securities gains (losses) | $183,000 | 431 |
| Applicable income taxes | $538,000 | 3,329 |
| Income before extraordinary items | $969,000 | 4,475 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $969,000 | 4,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,998 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $851,880 | 4,864 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $19,591,000 | 1,653 |
| Total interest expense | $11,125,000 | 1,346 |
| Net interest income | $8,466,000 | 2,080 |
| Provision for loan and lease losses | $2,000 | 8,441 |
| Total noninterest income | $2,563,000 | 1,536 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,563,000 | 982 |
| Total noninterest expense | $10,233,000 | 1,363 |
| Salaries and employee benefits | $5,646,000 | 1,216 |
| Premises and equipment expense | $2,610,000 | 787 |
| Additional noninterest expense | $1,977,000 | 2,212 |
| Pre-tax net operating income | $794,000 | 5,955 |
| Securities gains (losses) | $44,000 | 1,029 |
| Applicable income taxes | $346,000 | 4,501 |
| Income before extraordinary items | $492,000 | 6,492 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $492,000 | 6,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $463,840 | 6,604 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $19,452,000 | 1,674 |
| Total interest expense | $11,795,000 | 1,318 |
| Net interest income | $7,657,000 | 2,233 |
| Provision for loan and lease losses | $21,000 | 7,700 |
| Total noninterest income | $1,788,000 | 1,996 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,788,000 | 1,246 |
| Total noninterest expense | $8,760,000 | 1,520 |
| Salaries and employee benefits | $4,631,000 | 1,418 |
| Premises and equipment expense | $2,330,000 | 843 |
| Additional noninterest expense | $1,799,000 | 2,323 |
| Pre-tax net operating income | $664,000 | 6,624 |
| Securities gains (losses) | $-43,000 | 10,361 |
| Applicable income taxes | $249,000 | 5,656 |
| Income before extraordinary items | $372,000 | 7,396 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $372,000 | 7,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,250 |
| Cash dividends | $2,000,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $399,520 | 7,137 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $19,142,000 | 1,722 |
| Total interest expense | $11,236,000 | 1,403 |
| Net interest income | $7,906,000 | 2,217 |
| Provision for loan and lease losses | $93,000 | 5,327 |
| Total noninterest income | $1,201,000 | 2,629 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,201,000 | 1,556 |
| Total noninterest expense | $7,114,000 | 1,819 |
| Salaries and employee benefits | $3,976,000 | 1,649 |
| Premises and equipment expense | $1,600,000 | 1,235 |
| Additional noninterest expense | $1,538,000 | 2,673 |
| Pre-tax net operating income | $1,900,000 | 3,702 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $760,000 | 3,045 |
| Income before extraordinary items | $1,139,000 | 4,239 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,139,000 | 4,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-154,000 | 10,785 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,139,640 | 4,183 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $18,837,000 | 1,794 |
| Total interest expense | $11,457,000 | 1,415 |
| Net interest income | $7,380,000 | 2,432 |
| Provision for loan and lease losses | $676,000 | 1,360 |
| Total noninterest income | $3,474,000 | 1,222 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $3,474,000 | 808 |
| Total noninterest expense | $7,401,000 | 1,909 |
| Salaries and employee benefits | $3,549,000 | 1,862 |
| Premises and equipment expense | $1,360,000 | 1,489 |
| Additional noninterest expense | $2,492,000 | 2,013 |
| Pre-tax net operating income | $2,777,000 | 2,530 |
| Securities gains (losses) | $-47,000 | 11,013 |
| Applicable income taxes | $82,000 | 9,093 |
| Income before extraordinary items | $2,648,000 | 1,869 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,648,000 | 1,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-671,000 | 11,427 |
| Cash dividends | $1,500,000 | 1,563 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,693,590 | 1,795 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $18,054,000 | 1,879 |
| Total interest expense | $10,308,000 | 1,553 |
| Net interest income | $7,746,000 | 2,324 |
| Provision for loan and lease losses | $-169,000 | 11,797 |
| Total noninterest income | $1,407,000 | 2,398 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,407,000 | 1,418 |
| Total noninterest expense | $5,946,000 | 2,293 |
| Salaries and employee benefits | $3,380,000 | 1,960 |
| Premises and equipment expense | $1,380,000 | 1,489 |
| Additional noninterest expense | $1,186,000 | 3,772 |
| Pre-tax net operating income | $3,376,000 | 2,180 |
| Securities gains (losses) | $19,000 | 1,949 |
| Applicable income taxes | $69,000 | 9,810 |
| Income before extraordinary items | $3,326,000 | 1,531 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,326,000 | 1,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,556 |
| Cash dividends | $85,000 | 7,107 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $3,307,380 | 1,523 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $17,657,000 | 1,740 |
| Total interest expense | $8,458,000 | 1,527 |
| Net interest income | $9,199,000 | 1,972 |
| Provision for loan and lease losses | $682,000 | 1,226 |
| Total noninterest income | $602,000 | 4,649 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $602,000 | 2,575 |
| Total noninterest expense | $6,399,000 | 2,198 |
| Salaries and employee benefits | $3,243,000 | 2,037 |
| Premises and equipment expense | $1,313,000 | 1,573 |
| Additional noninterest expense | $1,843,000 | 2,764 |
| Pre-tax net operating income | $2,720,000 | 2,609 |
| Securities gains (losses) | $-272,000 | 12,078 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $2,448,000 | 1,999 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,448,000 | 1,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 2,227 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,720,000 | 1,802 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $18,666,000 | 1,674 |
| Total interest expense | $10,172,000 | 1,322 |
| Net interest income | $8,494,000 | 2,126 |
| Provision for loan and lease losses | $2,397,000 | 719 |
| Total noninterest income | $935,000 | 3,521 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $935,000 | 2,127 |
| Total noninterest expense | $15,237,000 | 1,037 |
| Salaries and employee benefits | $2,932,000 | 2,269 |
| Premises and equipment expense | $1,325,000 | 1,589 |
| Additional noninterest expense | $10,980,000 | 714 |
| Pre-tax net operating income | $-8,205,000 | 13,212 |
| Securities gains (losses) | $258,000 | 1,435 |
| Applicable income taxes | $-2,337,000 | 13,225 |
| Income before extraordinary items | $-5,610,000 | 13,169 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-5,610,000 | 13,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 5,529 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-5,793,180 | 13,160 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $23,174,000 | 1,567 |
| Total interest expense | $14,831,000 | 1,200 |
| Net interest income | $8,343,000 | 2,178 |
| Provision for loan and lease losses | $21,000 | 10,525 |
| Total noninterest income | $-3,849,000 | 13,927 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $-3,849,000 | 13,966 |
| Total noninterest expense | $16,131,000 | 1,009 |
| Salaries and employee benefits | $3,044,000 | 2,152 |
| Premises and equipment expense | $1,337,000 | 1,594 |
| Additional noninterest expense | $11,750,000 | 679 |
| Pre-tax net operating income | $-11,658,000 | 13,886 |
| Securities gains (losses) | $1,324,000 | 533 |
| Applicable income taxes | $-1,252,000 | 13,847 |
| Income before extraordinary items | $-9,082,000 | 13,849 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-9,082,000 | 13,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 8,127 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-10,247,120 | 13,841 |
* 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.