Home > Gateway Bank & Trust > Income and Expense
Gateway Bank & Trust, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $2,788,000 | 4,129 |
| Total interest expense | $182,000 | 5,922 |
| Net interest income | $2,606,000 | 3,783 |
| Provision for loan and lease losses | $800,000 | 1,285 |
| Total noninterest income | $247,000 | 4,562 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $216,000 | 2,791 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $31,000 | 5,863 |
| Total noninterest expense | $1,327,000 | 5,110 |
| Salaries and employee benefits | $646,000 | 5,278 |
| Premises and equipment expense | $128,000 | 5,369 |
| Additional noninterest expense | $553,000 | 4,584 |
| Pre-tax net operating income | $726,000 | 3,469 |
| Securities gains (losses) | $154,000 | 1,299 |
| Applicable income taxes | $342,000 | 1,906 |
| Income before extraordinary items | $538,000 | 3,843 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $538,000 | 3,845 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $538,000 | 3,846 |
| Net charge-offs | $-37,000 | 6,927 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $439,440 | 4,032 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,524,000 | 2,624 |
| Total interest expense | $433,000 | 2,688 |
| Net interest income | $2,091,000 | 2,613 |
| Provision for loan and lease losses | $2,060,000 | 341 |
| Total noninterest income | $231,000 | 3,375 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $239,000 | 1,456 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-8,000 | 6,969 |
| Total noninterest expense | $1,886,000 | 2,502 |
| Salaries and employee benefits | $787,000 | 3,064 |
| Premises and equipment expense | $182,000 | 3,006 |
| Additional noninterest expense | $917,000 | 1,809 |
| Pre-tax net operating income | $-1,624,000 | 7,220 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-1,624,000 | 7,230 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,624,000 | 7,230 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-1,624,000 | 7,230 |
| Net charge-offs | $1,700,000 | 450 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-1,624,000 | 7,224 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $12,032,000 | 2,316 |
| Total interest expense | $2,499,000 | 2,316 |
| Net interest income | $9,533,000 | 2,288 |
| Provision for loan and lease losses | $7,150,000 | 582 |
| Total noninterest income | $932,000 | 3,235 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,114,000 | 1,333 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-182,000 | 6,945 |
| Total noninterest expense | $7,296,000 | 2,573 |
| Salaries and employee benefits | $3,619,000 | 2,667 |
| Premises and equipment expense | $752,000 | 3,044 |
| Additional noninterest expense | $2,925,000 | 2,254 |
| Pre-tax net operating income | $-3,981,000 | 6,999 |
| Securities gains (losses) | $1,222,000 | 357 |
| Applicable income taxes | $-315,000 | 6,988 |
| Income before extraordinary items | $-2,444,000 | 6,893 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,444,000 | 6,892 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-2,444,000 | 6,893 |
| Net charge-offs | $5,784,000 | 713 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-3,531,580 | 6,970 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $9,312,000 | 2,273 |
| Total interest expense | $2,019,000 | 2,230 |
| Net interest income | $7,293,000 | 2,258 |
| Provision for loan and lease losses | $5,250,000 | 592 |
| Total noninterest income | $879,000 | 2,828 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $842,000 | 1,324 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $37,000 | 6,042 |
| Total noninterest expense | $5,264,000 | 2,669 |
| Salaries and employee benefits | $2,689,000 | 2,691 |
| Premises and equipment expense | $569,000 | 3,046 |
| Additional noninterest expense | $2,006,000 | 2,455 |
| Pre-tax net operating income | $-2,342,000 | 7,048 |
| Securities gains (losses) | $700,000 | 488 |
| Applicable income taxes | $-752,000 | 7,270 |
| Income before extraordinary items | $-890,000 | 6,826 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-890,000 | 6,827 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-890,000 | 6,826 |
| Net charge-offs | $4,400,000 | 700 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-1,338,000 | 6,915 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,307,000 | 2,256 |
| Total interest expense | $1,395,000 | 2,243 |
| Net interest income | $4,912,000 | 2,238 |
| Provision for loan and lease losses | $2,450,000 | 789 |
| Total noninterest income | $631,000 | 2,717 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $560,000 | 1,299 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $71,000 | 5,058 |
| Total noninterest expense | $3,472,000 | 2,706 |
| Salaries and employee benefits | $1,798,000 | 2,695 |
| Premises and equipment expense | $373,000 | 3,107 |
| Additional noninterest expense | $1,301,000 | 2,553 |
| Pre-tax net operating income | $-379,000 | 6,712 |
| Securities gains (losses) | $700,000 | 268 |
| Applicable income taxes | $17,000 | 3,912 |
| Income before extraordinary items | $304,000 | 4,426 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $304,000 | 4,425 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $304,000 | 4,427 |
| Net charge-offs | $3,288,000 | 637 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-361,000 | 6,735 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,219,000 | 2,225 |
| Total interest expense | $714,000 | 2,272 |
| Net interest income | $2,505,000 | 2,181 |
| Provision for loan and lease losses | $600,000 | 1,247 |
| Total noninterest income | $208,000 | 3,502 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $285,000 | 1,248 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-77,000 | 7,338 |
| Total noninterest expense | $1,824,000 | 2,602 |
| Salaries and employee benefits | $914,000 | 2,657 |
| Premises and equipment expense | $182,000 | 3,212 |
| Additional noninterest expense | $728,000 | 2,283 |
| Pre-tax net operating income | $289,000 | 3,598 |
| Securities gains (losses) | $23,000 | 1,043 |
| Applicable income taxes | $64,000 | 2,633 |
| Income before extraordinary items | $248,000 | 3,605 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $248,000 | 3,604 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $248,000 | 3,604 |
| Net charge-offs | $585,000 | 1,211 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $229,830 | 3,678 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $13,795,000 | 2,194 |
| Total interest expense | $3,924,000 | 2,032 |
| Net interest income | $9,871,000 | 2,226 |
| Provision for loan and lease losses | $2,200,000 | 1,952 |
| Total noninterest income | $940,000 | 3,336 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,232,000 | 1,217 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-292,000 | 7,335 |
| Total noninterest expense | $7,292,000 | 2,644 |
| Salaries and employee benefits | $3,748,000 | 2,559 |
| Premises and equipment expense | $743,000 | 3,143 |
| Additional noninterest expense | $2,801,000 | 2,420 |
| Pre-tax net operating income | $1,319,000 | 2,928 |
| Securities gains (losses) | $-49,000 | 7,154 |
| Applicable income taxes | $270,000 | 2,457 |
| Income before extraordinary items | $1,000,000 | 3,236 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,000,000 | 3,233 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,000,000 | 3,236 |
| Net charge-offs | $2,841,000 | 1,519 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $1,038,710 | 3,026 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $10,456,000 | 2,218 |
| Total interest expense | $3,023,000 | 2,061 |
| Net interest income | $7,433,000 | 2,244 |
| Provision for loan and lease losses | $1,760,000 | 1,803 |
| Total noninterest income | $845,000 | 3,037 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $932,000 | 1,243 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-87,000 | 7,382 |
| Total noninterest expense | $5,493,000 | 2,629 |
| Salaries and employee benefits | $2,817,000 | 2,579 |
| Premises and equipment expense | $562,000 | 3,173 |
| Additional noninterest expense | $2,114,000 | 2,368 |
| Pre-tax net operating income | $1,025,000 | 3,040 |
| Securities gains (losses) | $7,000 | 3,200 |
| Applicable income taxes | $231,000 | 2,410 |
| Income before extraordinary items | $801,000 | 3,279 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $801,000 | 3,277 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $801,000 | 3,279 |
| Net charge-offs | $1,705,000 | 1,664 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $795,540 | 3,169 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,004,000 | 2,237 |
| Total interest expense | $2,054,000 | 2,107 |
| Net interest income | $4,950,000 | 2,246 |
| Provision for loan and lease losses | $1,160,000 | 1,786 |
| Total noninterest income | $598,000 | 2,874 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $624,000 | 1,250 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-26,000 | 7,399 |
| Total noninterest expense | $3,717,000 | 2,603 |
| Salaries and employee benefits | $1,871,000 | 2,581 |
| Premises and equipment expense | $357,000 | 3,313 |
| Additional noninterest expense | $1,489,000 | 2,272 |
| Pre-tax net operating income | $671,000 | 3,104 |
| Securities gains (losses) | $7,000 | 2,699 |
| Applicable income taxes | $145,000 | 2,434 |
| Income before extraordinary items | $533,000 | 3,297 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $533,000 | 3,293 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $533,000 | 3,296 |
| Net charge-offs | $1,287,000 | 1,499 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $527,470 | 3,202 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,456,000 | 2,319 |
| Total interest expense | $1,043,000 | 2,184 |
| Net interest income | $2,413,000 | 2,332 |
| Provision for loan and lease losses | $560,000 | 1,717 |
| Total noninterest income | $335,000 | 2,659 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $303,000 | 1,295 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $32,000 | 5,362 |
| Total noninterest expense | $1,810,000 | 2,686 |
| Salaries and employee benefits | $944,000 | 2,605 |
| Premises and equipment expense | $174,000 | 3,469 |
| Additional noninterest expense | $692,000 | 2,400 |
| Pre-tax net operating income | $378,000 | 2,933 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $88,000 | 2,243 |
| Income before extraordinary items | $290,000 | 3,189 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $290,000 | 3,186 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $290,000 | 3,189 |
| Net charge-offs | $451,000 | 1,656 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $290,000 | 3,079 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $14,340,000 | 2,337 |
| Total interest expense | $5,453,000 | 2,087 |
| Net interest income | $8,887,000 | 2,441 |
| Provision for loan and lease losses | $4,723,000 | 1,484 |
| Total noninterest income | $1,463,000 | 2,595 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,405,000 | 1,230 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $58,000 | 6,221 |
| Total noninterest expense | $7,283,000 | 2,702 |
| Salaries and employee benefits | $3,739,000 | 2,606 |
| Premises and equipment expense | $707,000 | 3,432 |
| Additional noninterest expense | $2,837,000 | 2,462 |
| Pre-tax net operating income | $-1,656,000 | 6,513 |
| Securities gains (losses) | $161,000 | 1,733 |
| Applicable income taxes | $-794,000 | 7,205 |
| Income before extraordinary items | $-701,000 | 6,198 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-701,000 | 6,197 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-701,000 | 6,197 |
| Net charge-offs | $2,076,000 | 1,984 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-804,040 | 6,268 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,915,000 | 2,324 |
| Total interest expense | $4,236,000 | 2,105 |
| Net interest income | $6,679,000 | 2,441 |
| Provision for loan and lease losses | $1,703,000 | 2,084 |
| Total noninterest income | $1,321,000 | 2,361 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,040,000 | 1,241 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $281,000 | 3,718 |
| Total noninterest expense | $5,449,000 | 2,713 |
| Salaries and employee benefits | $2,824,000 | 2,604 |
| Premises and equipment expense | $532,000 | 3,464 |
| Additional noninterest expense | $2,093,000 | 2,477 |
| Pre-tax net operating income | $848,000 | 3,018 |
| Securities gains (losses) | $161,000 | 1,454 |
| Applicable income taxes | $220,000 | 2,232 |
| Income before extraordinary items | $789,000 | 2,886 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $789,000 | 2,883 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $789,000 | 2,886 |
| Net charge-offs | $1,095,000 | 2,106 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $663,420 | 3,129 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $7,227,000 | 2,375 |
| Total interest expense | $2,941,000 | 2,133 |
| Net interest income | $4,286,000 | 2,523 |
| Provision for loan and lease losses | $1,053,000 | 2,008 |
| Total noninterest income | $971,000 | 2,232 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $683,000 | 1,246 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $288,000 | 3,072 |
| Total noninterest expense | $3,612,000 | 2,749 |
| Salaries and employee benefits | $1,891,000 | 2,629 |
| Premises and equipment expense | $347,000 | 3,544 |
| Additional noninterest expense | $1,374,000 | 2,527 |
| Pre-tax net operating income | $592,000 | 3,026 |
| Securities gains (losses) | $123,000 | 1,336 |
| Applicable income taxes | $159,000 | 2,207 |
| Income before extraordinary items | $556,000 | 2,905 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $556,000 | 2,904 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $556,000 | 2,905 |
| Net charge-offs | $731,000 | 1,939 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $460,060 | 3,136 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,585,000 | 2,420 |
| Total interest expense | $1,484,000 | 2,195 |
| Net interest income | $2,101,000 | 2,578 |
| Provision for loan and lease losses | $513,000 | 1,745 |
| Total noninterest income | $450,000 | 2,294 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $331,000 | 1,247 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $119,000 | 3,373 |
| Total noninterest expense | $1,725,000 | 2,781 |
| Salaries and employee benefits | $933,000 | 2,709 |
| Premises and equipment expense | $175,000 | 3,572 |
| Additional noninterest expense | $617,000 | 2,505 |
| Pre-tax net operating income | $313,000 | 3,265 |
| Securities gains (losses) | $24,000 | 1,606 |
| Applicable income taxes | $76,000 | 2,457 |
| Income before extraordinary items | $261,000 | 3,362 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $261,000 | 3,362 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $261,000 | 3,363 |
| Net charge-offs | $433,000 | 1,464 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $242,520 | 3,354 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $16,448,000 | 2,288 |
| Total interest expense | $7,314,000 | 2,117 |
| Net interest income | $9,134,000 | 2,390 |
| Provision for loan and lease losses | $2,980,000 | 1,397 |
| Total noninterest income | $1,828,000 | 2,286 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,499,000 | 1,198 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $329,000 | 3,934 |
| Total noninterest expense | $7,077,000 | 2,664 |
| Salaries and employee benefits | $3,884,000 | 2,572 |
| Premises and equipment expense | $731,000 | 3,403 |
| Additional noninterest expense | $2,462,000 | 2,376 |
| Pre-tax net operating income | $905,000 | 3,940 |
| Securities gains (losses) | $-898,000 | 7,698 |
| Applicable income taxes | $-224,000 | 7,239 |
| Income before extraordinary items | $231,000 | 5,365 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $231,000 | 5,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,939,000 | 1,014 |
| Cash dividends | $400,000 | 3,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,129,000 | 3,199 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $12,663,000 | 2,290 |
| Total interest expense | $5,638,000 | 2,151 |
| Net interest income | $7,025,000 | 2,351 |
| Provision for loan and lease losses | $840,000 | 2,030 |
| Total noninterest income | $1,393,000 | 2,328 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,102,000 | 1,235 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $291,000 | 3,737 |
| Total noninterest expense | $5,444,000 | 2,592 |
| Salaries and employee benefits | $3,058,000 | 2,499 |
| Premises and equipment expense | $569,000 | 3,321 |
| Additional noninterest expense | $1,817,000 | 2,342 |
| Pre-tax net operating income | $2,134,000 | 2,202 |
| Securities gains (losses) | $-893,000 | 7,882 |
| Applicable income taxes | $297,000 | 2,468 |
| Income before extraordinary items | $944,000 | 3,227 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $944,000 | 3,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $828,000 | 1,463 |
| Cash dividends | $200,000 | 3,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,622,680 | 2,278 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,524,000 | 2,297 |
| Total interest expense | $3,931,000 | 2,151 |
| Net interest income | $4,593,000 | 2,382 |
| Provision for loan and lease losses | $535,000 | 1,844 |
| Total noninterest income | $916,000 | 2,384 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $708,000 | 1,256 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $208,000 | 3,690 |
| Total noninterest expense | $3,638,000 | 2,593 |
| Salaries and employee benefits | $2,068,000 | 2,491 |
| Premises and equipment expense | $374,000 | 3,393 |
| Additional noninterest expense | $1,196,000 | 2,350 |
| Pre-tax net operating income | $1,336,000 | 2,415 |
| Securities gains (losses) | $22,000 | 1,974 |
| Applicable income taxes | $406,000 | 1,853 |
| Income before extraordinary items | $952,000 | 2,679 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $952,000 | 2,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $598,000 | 1,178 |
| Cash dividends | $200,000 | 3,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $936,600 | 2,664 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,445,000 | 2,266 |
| Total interest expense | $2,046,000 | 2,201 |
| Net interest income | $2,399,000 | 2,290 |
| Provision for loan and lease losses | $285,000 | 1,457 |
| Total noninterest income | $441,000 | 2,431 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $324,000 | 1,351 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $117,000 | 3,478 |
| Total noninterest expense | $1,793,000 | 2,624 |
| Salaries and employee benefits | $1,051,000 | 2,475 |
| Premises and equipment expense | $183,000 | 3,457 |
| Additional noninterest expense | $559,000 | 2,464 |
| Pre-tax net operating income | $762,000 | 2,259 |
| Securities gains (losses) | $5,000 | 2,232 |
| Applicable income taxes | $243,000 | 1,711 |
| Income before extraordinary items | $524,000 | 2,578 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $524,000 | 2,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 1,561 |
| Cash dividends | $200,000 | 2,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $520,600 | 2,531 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,818,000 | 2,188 |
| Total interest expense | $8,301,000 | 2,253 |
| Net interest income | $10,517,000 | 2,155 |
| Provision for loan and lease losses | $1,494,000 | 1,061 |
| Total noninterest income | $1,818,000 | 2,362 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,318,000 | 1,359 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $500,000 | 3,311 |
| Total noninterest expense | $6,926,000 | 2,618 |
| Salaries and employee benefits | $3,819,000 | 2,598 |
| Premises and equipment expense | $645,000 | 3,657 |
| Additional noninterest expense | $2,462,000 | 2,200 |
| Pre-tax net operating income | $3,915,000 | 2,019 |
| Securities gains (losses) | $-8,000 | 7,514 |
| Applicable income taxes | $1,328,000 | 1,533 |
| Income before extraordinary items | $2,579,000 | 2,288 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,579,000 | 2,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,633,000 | 714 |
| Cash dividends | $400,000 | 4,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,584,280 | 2,275 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,987,000 | 2,214 |
| Total interest expense | $6,066,000 | 2,296 |
| Net interest income | $7,921,000 | 2,154 |
| Provision for loan and lease losses | $694,000 | 1,219 |
| Total noninterest income | $1,368,000 | 2,364 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $988,000 | 1,331 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $380,000 | 3,302 |
| Total noninterest expense | $5,178,000 | 2,605 |
| Salaries and employee benefits | $2,939,000 | 2,530 |
| Premises and equipment expense | $479,000 | 3,663 |
| Additional noninterest expense | $1,760,000 | 2,254 |
| Pre-tax net operating income | $3,417,000 | 1,882 |
| Securities gains (losses) | $-12,000 | 7,827 |
| Applicable income taxes | $1,178,000 | 1,467 |
| Income before extraordinary items | $2,227,000 | 2,176 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,227,000 | 2,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $951,000 | 677 |
| Cash dividends | $400,000 | 3,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,234,800 | 2,160 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,066,000 | 2,299 |
| Total interest expense | $3,872,000 | 2,395 |
| Net interest income | $5,194,000 | 2,212 |
| Provision for loan and lease losses | $423,000 | 1,184 |
| Total noninterest income | $885,000 | 2,413 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $630,000 | 1,398 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $255,000 | 3,306 |
| Total noninterest expense | $3,318,000 | 2,721 |
| Salaries and employee benefits | $1,913,000 | 2,616 |
| Premises and equipment expense | $292,000 | 3,913 |
| Additional noninterest expense | $1,113,000 | 2,381 |
| Pre-tax net operating income | $2,338,000 | 1,902 |
| Securities gains (losses) | $-12,000 | 8,036 |
| Applicable income taxes | $802,000 | 1,487 |
| Income before extraordinary items | $1,524,000 | 2,183 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,524,000 | 2,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $361,000 | 895 |
| Cash dividends | $200,000 | 3,613 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,531,920 | 2,156 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,392,000 | 2,364 |
| Total interest expense | $1,861,000 | 2,461 |
| Net interest income | $2,531,000 | 2,270 |
| Provision for loan and lease losses | $212,000 | 1,104 |
| Total noninterest income | $423,000 | 2,459 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $304,000 | 1,408 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $119,000 | 3,446 |
| Total noninterest expense | $1,578,000 | 2,850 |
| Salaries and employee benefits | $924,000 | 2,731 |
| Premises and equipment expense | $138,000 | 4,103 |
| Additional noninterest expense | $516,000 | 2,549 |
| Pre-tax net operating income | $1,164,000 | 1,912 |
| Securities gains (losses) | $-10,000 | 8,261 |
| Applicable income taxes | $399,000 | 1,524 |
| Income before extraordinary items | $755,000 | 2,167 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $755,000 | 2,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 765 |
| Cash dividends | $200,000 | 2,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $761,500 | 2,147 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $15,819,000 | 2,443 |
| Total interest expense | $5,903,000 | 2,637 |
| Net interest income | $9,916,000 | 2,301 |
| Provision for loan and lease losses | $685,000 | 1,436 |
| Total noninterest income | $1,737,000 | 2,454 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,277,000 | 1,400 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $460,000 | 3,481 |
| Total noninterest expense | $6,274,000 | 2,771 |
| Salaries and employee benefits | $3,574,000 | 2,699 |
| Premises and equipment expense | $625,000 | 3,649 |
| Additional noninterest expense | $2,075,000 | 2,486 |
| Pre-tax net operating income | $4,694,000 | 1,995 |
| Securities gains (losses) | $-13,000 | 7,384 |
| Applicable income taxes | $1,635,000 | 1,541 |
| Income before extraordinary items | $3,046,000 | 2,250 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,046,000 | 2,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 1,983 |
| Cash dividends | $750,000 | 3,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,054,450 | 2,231 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,441,000 | 2,506 |
| Total interest expense | $4,135,000 | 2,699 |
| Net interest income | $7,306,000 | 2,367 |
| Provision for loan and lease losses | $485,000 | 1,424 |
| Total noninterest income | $1,319,000 | 2,447 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $969,000 | 1,386 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $350,000 | 3,441 |
| Total noninterest expense | $4,596,000 | 2,819 |
| Salaries and employee benefits | $2,637,000 | 2,729 |
| Premises and equipment expense | $465,000 | 3,678 |
| Additional noninterest expense | $1,494,000 | 2,570 |
| Pre-tax net operating income | $3,544,000 | 2,037 |
| Securities gains (losses) | $-13,000 | 7,688 |
| Applicable income taxes | $1,239,000 | 1,613 |
| Income before extraordinary items | $2,292,000 | 2,315 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,292,000 | 2,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 1,921 |
| Cash dividends | $600,000 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,300,450 | 2,291 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,228,000 | 2,589 |
| Total interest expense | $2,583,000 | 2,742 |
| Net interest income | $4,645,000 | 2,467 |
| Provision for loan and lease losses | $325,000 | 1,371 |
| Total noninterest income | $916,000 | 2,370 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $662,000 | 1,338 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $254,000 | 3,301 |
| Total noninterest expense | $3,014,000 | 2,871 |
| Salaries and employee benefits | $1,757,000 | 2,737 |
| Premises and equipment expense | $303,000 | 3,738 |
| Additional noninterest expense | $954,000 | 2,681 |
| Pre-tax net operating income | $2,222,000 | 2,139 |
| Securities gains (losses) | $-9,000 | 7,829 |
| Applicable income taxes | $772,000 | 1,710 |
| Income before extraordinary items | $1,441,000 | 2,416 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,441,000 | 2,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,293 |
| Cash dividends | $400,000 | 2,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,446,850 | 2,396 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,418,000 | 2,658 |
| Total interest expense | $1,211,000 | 2,775 |
| Net interest income | $2,207,000 | 2,562 |
| Provision for loan and lease losses | $175,000 | 1,259 |
| Total noninterest income | $479,000 | 2,245 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $335,000 | 1,283 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $144,000 | 3,050 |
| Total noninterest expense | $1,527,000 | 2,833 |
| Salaries and employee benefits | $884,000 | 2,725 |
| Premises and equipment expense | $156,000 | 3,660 |
| Additional noninterest expense | $487,000 | 2,600 |
| Pre-tax net operating income | $984,000 | 2,299 |
| Securities gains (losses) | $-9,000 | 8,219 |
| Applicable income taxes | $330,000 | 1,895 |
| Income before extraordinary items | $645,000 | 2,602 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $645,000 | 2,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,455 |
| Cash dividends | $200,000 | 2,370 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $650,940 | 2,566 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,738,000 | 2,760 |
| Total interest expense | $3,705,000 | 2,817 |
| Net interest income | $8,033,000 | 2,688 |
| Provision for loan and lease losses | $835,000 | 1,220 |
| Total noninterest income | $1,886,000 | 2,317 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,292,000 | 1,368 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $594,000 | 3,074 |
| Total noninterest expense | $5,400,000 | 3,030 |
| Salaries and employee benefits | $3,071,000 | 2,913 |
| Premises and equipment expense | $569,000 | 3,817 |
| Additional noninterest expense | $1,760,000 | 2,810 |
| Pre-tax net operating income | $3,684,000 | 2,359 |
| Securities gains (losses) | $-16,000 | 7,722 |
| Applicable income taxes | $1,255,000 | 1,932 |
| Income before extraordinary items | $2,413,000 | 2,666 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,413,000 | 2,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $713,000 | 875 |
| Cash dividends | $675,000 | 3,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,423,560 | 2,629 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,517,000 | 2,779 |
| Total interest expense | $2,647,000 | 2,795 |
| Net interest income | $5,870,000 | 2,743 |
| Provision for loan and lease losses | $560,000 | 1,266 |
| Total noninterest income | $1,402,000 | 2,322 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $961,000 | 1,358 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $441,000 | 3,106 |
| Total noninterest expense | $3,959,000 | 3,057 |
| Salaries and employee benefits | $2,279,000 | 2,903 |
| Premises and equipment expense | $409,000 | 3,910 |
| Additional noninterest expense | $1,271,000 | 2,890 |
| Pre-tax net operating income | $2,753,000 | 2,383 |
| Securities gains (losses) | $-16,000 | 8,085 |
| Applicable income taxes | $930,000 | 1,982 |
| Income before extraordinary items | $1,807,000 | 2,688 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,807,000 | 2,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $457,000 | 897 |
| Cash dividends | $400,000 | 3,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,817,560 | 2,640 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,428,000 | 2,831 |
| Total interest expense | $1,645,000 | 2,824 |
| Net interest income | $3,783,000 | 2,789 |
| Provision for loan and lease losses | $315,000 | 1,449 |
| Total noninterest income | $909,000 | 2,348 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $622,000 | 1,362 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $287,000 | 3,150 |
| Total noninterest expense | $2,572,000 | 3,114 |
| Salaries and employee benefits | $1,514,000 | 2,906 |
| Premises and equipment expense | $265,000 | 3,962 |
| Additional noninterest expense | $793,000 | 3,034 |
| Pre-tax net operating income | $1,805,000 | 2,369 |
| Securities gains (losses) | $-15,000 | 8,274 |
| Applicable income taxes | $609,000 | 1,983 |
| Income before extraordinary items | $1,181,000 | 2,680 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,181,000 | 2,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 1,151 |
| Cash dividends | $400,000 | 2,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,190,900 | 2,626 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,575,000 | 2,923 |
| Total interest expense | $777,000 | 2,866 |
| Net interest income | $1,798,000 | 2,918 |
| Provision for loan and lease losses | $80,000 | 2,398 |
| Total noninterest income | $439,000 | 2,346 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $304,000 | 1,357 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $135,000 | 3,174 |
| Total noninterest expense | $1,292,000 | 3,108 |
| Salaries and employee benefits | $763,000 | 2,883 |
| Premises and equipment expense | $137,000 | 3,911 |
| Additional noninterest expense | $392,000 | 3,075 |
| Pre-tax net operating income | $865,000 | 2,410 |
| Securities gains (losses) | $-15,000 | 8,617 |
| Applicable income taxes | $288,000 | 2,038 |
| Income before extraordinary items | $562,000 | 2,762 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $562,000 | 2,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 1,469 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $571,900 | 2,672 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,692,000 | 2,914 |
| Total interest expense | $2,701,000 | 2,865 |
| Net interest income | $6,991,000 | 2,884 |
| Provision for loan and lease losses | $705,000 | 1,447 |
| Total noninterest income | $1,961,000 | 2,231 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,398,000 | 1,270 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $563,000 | 3,098 |
| Total noninterest expense | $4,767,000 | 3,259 |
| Salaries and employee benefits | $2,720,000 | 3,122 |
| Premises and equipment expense | $486,000 | 4,179 |
| Additional noninterest expense | $1,561,000 | 3,030 |
| Pre-tax net operating income | $3,480,000 | 2,280 |
| Securities gains (losses) | $-59,000 | 8,626 |
| Applicable income taxes | $1,202,000 | 1,895 |
| Income before extraordinary items | $2,219,000 | 2,673 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,219,000 | 2,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $502,000 | 1,337 |
| Cash dividends | $500,000 | 3,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,257,350 | 2,585 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,199,000 | 2,906 |
| Total interest expense | $1,959,000 | 2,894 |
| Net interest income | $5,240,000 | 2,866 |
| Provision for loan and lease losses | $545,000 | 1,349 |
| Total noninterest income | $1,479,000 | 2,234 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,067,000 | 1,257 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $412,000 | 3,141 |
| Total noninterest expense | $3,610,000 | 3,203 |
| Salaries and employee benefits | $2,092,000 | 3,006 |
| Premises and equipment expense | $360,000 | 4,208 |
| Additional noninterest expense | $1,158,000 | 3,036 |
| Pre-tax net operating income | $2,564,000 | 2,334 |
| Securities gains (losses) | $-59,000 | 8,826 |
| Applicable income taxes | $878,000 | 1,974 |
| Income before extraordinary items | $1,627,000 | 2,760 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,627,000 | 2,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $410,000 | 1,139 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,665,350 | 2,656 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,686,000 | 2,954 |
| Total interest expense | $1,308,000 | 2,881 |
| Net interest income | $3,378,000 | 2,960 |
| Provision for loan and lease losses | $270,000 | 1,719 |
| Total noninterest income | $946,000 | 2,287 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $676,000 | 1,306 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $270,000 | 3,172 |
| Total noninterest expense | $2,385,000 | 3,231 |
| Salaries and employee benefits | $1,359,000 | 3,107 |
| Premises and equipment expense | $232,000 | 4,308 |
| Additional noninterest expense | $794,000 | 2,959 |
| Pre-tax net operating income | $1,669,000 | 2,367 |
| Securities gains (losses) | $-4,000 | 8,544 |
| Applicable income taxes | $587,000 | 1,963 |
| Income before extraordinary items | $1,078,000 | 2,760 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,078,000 | 2,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 2,000 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,080,600 | 2,675 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,314,000 | 2,997 |
| Total interest expense | $683,000 | 2,804 |
| Net interest income | $1,631,000 | 3,036 |
| Provision for loan and lease losses | $85,000 | 2,404 |
| Total noninterest income | $420,000 | 2,452 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $274,000 | 1,568 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $146,000 | 2,993 |
| Total noninterest expense | $1,195,000 | 3,236 |
| Salaries and employee benefits | $667,000 | 3,168 |
| Premises and equipment expense | $105,000 | 4,639 |
| Additional noninterest expense | $423,000 | 2,753 |
| Pre-tax net operating income | $771,000 | 2,500 |
| Securities gains (losses) | $-4,000 | 8,823 |
| Applicable income taxes | $267,000 | 2,095 |
| Income before extraordinary items | $500,000 | 2,944 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $500,000 | 2,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,014 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $502,600 | 2,835 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,456,000 | 3,275 |
| Total interest expense | $2,851,000 | 2,995 |
| Net interest income | $5,605,000 | 3,373 |
| Provision for loan and lease losses | $624,000 | 1,789 |
| Total noninterest income | $1,642,000 | 2,647 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $974,000 | 1,767 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $668,000 | 3,055 |
| Total noninterest expense | $4,227,000 | 3,540 |
| Salaries and employee benefits | $2,451,000 | 3,323 |
| Premises and equipment expense | $391,000 | 4,792 |
| Additional noninterest expense | $1,385,000 | 3,310 |
| Pre-tax net operating income | $2,396,000 | 2,983 |
| Securities gains (losses) | $226,000 | 1,259 |
| Applicable income taxes | $916,000 | 2,301 |
| Income before extraordinary items | $1,706,000 | 3,228 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,706,000 | 3,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $251,000 | 2,500 |
| Cash dividends | $225,000 | 4,780 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,559,100 | 3,295 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,166,000 | 3,405 |
| Total interest expense | $2,144,000 | 3,094 |
| Net interest income | $4,022,000 | 3,514 |
| Provision for loan and lease losses | $460,000 | 1,778 |
| Total noninterest income | $1,281,000 | 2,646 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $731,000 | 1,769 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $550,000 | 2,964 |
| Total noninterest expense | $3,169,000 | 3,534 |
| Salaries and employee benefits | $1,844,000 | 3,314 |
| Premises and equipment expense | $309,000 | 4,620 |
| Additional noninterest expense | $1,016,000 | 3,352 |
| Pre-tax net operating income | $1,674,000 | 3,251 |
| Securities gains (losses) | $213,000 | 1,195 |
| Applicable income taxes | $652,000 | 2,510 |
| Income before extraordinary items | $1,235,000 | 3,413 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,235,000 | 3,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $240,000 | 1,973 |
| Cash dividends | $100,000 | 4,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,096,550 | 3,578 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,014,000 | 3,506 |
| Total interest expense | $1,436,000 | 3,184 |
| Net interest income | $2,578,000 | 3,615 |
| Provision for loan and lease losses | $260,000 | 2,063 |
| Total noninterest income | $806,000 | 2,747 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $456,000 | 1,855 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $350,000 | 3,018 |
| Total noninterest expense | $2,045,000 | 3,620 |
| Salaries and employee benefits | $1,215,000 | 3,332 |
| Premises and equipment expense | $189,000 | 4,885 |
| Additional noninterest expense | $641,000 | 3,502 |
| Pre-tax net operating income | $1,079,000 | 3,336 |
| Securities gains (losses) | $184,000 | 1,098 |
| Applicable income taxes | $455,000 | 2,464 |
| Income before extraordinary items | $808,000 | 3,490 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $808,000 | 3,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,226 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $690,240 | 3,718 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,953,000 | 3,595 |
| Total interest expense | $720,000 | 3,240 |
| Net interest income | $1,233,000 | 3,733 |
| Provision for loan and lease losses | $110,000 | 2,202 |
| Total noninterest income | $384,000 | 2,748 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $224,000 | 1,823 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $160,000 | 3,096 |
| Total noninterest expense | $1,036,000 | 3,551 |
| Salaries and employee benefits | $599,000 | 3,376 |
| Premises and equipment expense | $94,000 | 4,897 |
| Additional noninterest expense | $343,000 | 3,249 |
| Pre-tax net operating income | $471,000 | 3,641 |
| Securities gains (losses) | $184,000 | 691 |
| Applicable income taxes | $228,000 | 2,469 |
| Income before extraordinary items | $427,000 | 3,311 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $427,000 | 3,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,852 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $307,400 | 3,977 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,772,000 | 3,735 |
| Total interest expense | $2,908,000 | 3,613 |
| Net interest income | $4,864,000 | 3,747 |
| Provision for loan and lease losses | $436,000 | 2,651 |
| Total noninterest income | $1,284,000 | 2,933 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $751,000 | 2,114 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $533,000 | 3,171 |
| Total noninterest expense | $3,629,000 | 3,839 |
| Salaries and employee benefits | $2,084,000 | 3,617 |
| Premises and equipment expense | $372,000 | 4,893 |
| Additional noninterest expense | $1,173,000 | 3,674 |
| Pre-tax net operating income | $2,083,000 | 3,336 |
| Securities gains (losses) | $23,000 | 3,041 |
| Applicable income taxes | $731,000 | 2,750 |
| Income before extraordinary items | $1,375,000 | 3,739 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,375,000 | 3,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 3,616 |
| Cash dividends | $200,000 | 4,872 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,360,050 | 3,651 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,397,000 | 3,860 |
| Total interest expense | $4,587,000 | 3,401 |
| Net interest income | $3,810,000 | 4,277 |
| Provision for loan and lease losses | $485,000 | 2,261 |
| Total noninterest income | $811,000 | 3,815 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $392,000 | 3,465 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $419,000 | 3,446 |
| Total noninterest expense | $3,066,000 | 4,257 |
| Salaries and employee benefits | $1,638,000 | 4,230 |
| Premises and equipment expense | $393,000 | 4,650 |
| Additional noninterest expense | $1,035,000 | 3,946 |
| Pre-tax net operating income | $1,070,000 | 4,720 |
| Securities gains (losses) | $47,000 | 2,415 |
| Applicable income taxes | $370,000 | 3,878 |
| Income before extraordinary items | $747,000 | 5,057 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $747,000 | 5,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $419,000 | 1,769 |
| Cash dividends | $90,000 | 5,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $715,510 | 5,063 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,272,000 | 4,015 |
| Total interest expense | $4,478,000 | 3,632 |
| Net interest income | $3,794,000 | 4,362 |
| Provision for loan and lease losses | $356,000 | 2,543 |
| Total noninterest income | $486,000 | 4,988 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $305,000 | 4,011 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $181,000 | 5,011 |
| Total noninterest expense | $2,573,000 | 4,760 |
| Salaries and employee benefits | $1,365,000 | 4,711 |
| Premises and equipment expense | $282,000 | 5,628 |
| Additional noninterest expense | $926,000 | 4,252 |
| Pre-tax net operating income | $1,351,000 | 4,378 |
| Securities gains (losses) | $-5,000 | 7,961 |
| Applicable income taxes | $470,000 | 3,618 |
| Income before extraordinary items | $876,000 | 4,756 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $876,000 | 4,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,171 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $879,250 | 4,756 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,342,000 | 4,775 |
| Total interest expense | $3,433,000 | 4,113 |
| Net interest income | $2,909,000 | 5,281 |
| Provision for loan and lease losses | $449,000 | 1,927 |
| Total noninterest income | $409,000 | 5,535 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $214,000 | 4,948 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $195,000 | 4,999 |
| Total noninterest expense | $2,076,000 | 5,552 |
| Salaries and employee benefits | $1,019,000 | 5,804 |
| Premises and equipment expense | $257,000 | 5,946 |
| Additional noninterest expense | $800,000 | 4,784 |
| Pre-tax net operating income | $793,000 | 5,959 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $267,000 | 5,062 |
| Income before extraordinary items | $527,000 | 6,267 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $527,000 | 6,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,343 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $526,340 | 6,251 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,354,000 | 6,182 |
| Total interest expense | $2,363,000 | 5,585 |
| Net interest income | $1,991,000 | 6,688 |
| Provision for loan and lease losses | $235,000 | 3,172 |
| Total noninterest income | $180,000 | 7,819 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 6,109 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 8,487 |
| Total noninterest expense | $1,661,000 | 6,300 |
| Salaries and employee benefits | $765,000 | 6,841 |
| Premises and equipment expense | $203,000 | 6,666 |
| Additional noninterest expense | $693,000 | 5,204 |
| Pre-tax net operating income | $275,000 | 8,542 |
| Securities gains (losses) | $12,000 | 2,822 |
| Applicable income taxes | $54,000 | 8,266 |
| Income before extraordinary items | $233,000 | 8,365 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $233,000 | 8,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,363 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $223,280 | 8,374 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,190,000 | 10,079 |
| Total interest expense | $456,000 | 10,207 |
| Net interest income | $734,000 | 9,851 |
| Provision for loan and lease losses | $171,000 | 3,847 |
| Total noninterest income | $54,000 | 10,218 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $41,000 | 8,648 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 10,252 |
| Total noninterest expense | $1,057,000 | 8,146 |
| Salaries and employee benefits | $571,000 | 8,115 |
| Premises and equipment expense | $138,000 | 8,064 |
| Additional noninterest expense | $348,000 | 7,823 |
| Pre-tax net operating income | $-440,000 | 10,722 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $-150,000 | 10,762 |
| Income before extraordinary items | $-289,000 | 10,666 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-289,000 | 10,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,371 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-289,660 | 10,644 |
* 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.