Home > Gateway Business Bank > Income and Expense
Gateway Business Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,331,000 | 3,664 |
| Total interest expense | $592,000 | 3,438 |
| Net interest income | $2,739,000 | 3,662 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $19,813,000 | 258 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $58,000 | 5,291 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $19,755,000 | 183 |
| Total noninterest expense | $20,981,000 | 512 |
| Salaries and employee benefits | $13,269,000 | 410 |
| Premises and equipment expense | $1,570,000 | 762 |
| Additional noninterest expense | $6,142,000 | 588 |
| Pre-tax net operating income | $1,571,000 | 2,061 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $168,000 | 2,613 |
| Income before extraordinary items | $1,403,000 | 2,001 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,403,000 | 1,999 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,403,000 | 2,001 |
| Net charge-offs | $56,000 | 3,930 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $1,403,000 | 1,896 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,707,000 | 3,637 |
| Total interest expense | $314,000 | 3,411 |
| Net interest income | $1,393,000 | 3,642 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $8,728,000 | 270 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $25,000 | 5,510 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $8,703,000 | 196 |
| Total noninterest expense | $9,956,000 | 529 |
| Salaries and employee benefits | $6,329,000 | 418 |
| Premises and equipment expense | $744,000 | 814 |
| Additional noninterest expense | $2,883,000 | 606 |
| Pre-tax net operating income | $165,000 | 4,790 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $-2,000 | 6,912 |
| Income before extraordinary items | $167,000 | 4,668 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $167,000 | 4,672 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $167,000 | 4,672 |
| Net charge-offs | $-62,000 | 7,106 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $167,000 | 4,533 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $6,714,000 | 3,781 |
| Total interest expense | $1,636,000 | 3,221 |
| Net interest income | $5,078,000 | 3,868 |
| Provision for loan and lease losses | $-819,000 | 7,323 |
| Total noninterest income | $28,756,000 | 280 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $90,000 | 5,662 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $28,666,000 | 207 |
| Total noninterest expense | $39,117,000 | 525 |
| Salaries and employee benefits | $22,941,000 | 434 |
| Premises and equipment expense | $3,098,000 | 804 |
| Additional noninterest expense | $13,078,000 | 557 |
| Pre-tax net operating income | $-4,464,000 | 7,024 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $3,164,000 | 559 |
| Income before extraordinary items | $-7,628,000 | 7,159 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-7,628,000 | 7,158 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-7,628,000 | 7,160 |
| Net charge-offs | $6,000 | 6,199 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-7,628,000 | 7,153 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,850,000 | 3,911 |
| Total interest expense | $1,284,000 | 3,224 |
| Net interest income | $3,566,000 | 4,053 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $21,071,000 | 286 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $65,000 | 5,721 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $21,006,000 | 207 |
| Total noninterest expense | $27,439,000 | 551 |
| Salaries and employee benefits | $17,009,000 | 434 |
| Premises and equipment expense | $2,297,000 | 828 |
| Additional noninterest expense | $8,133,000 | 657 |
| Pre-tax net operating income | $-2,802,000 | 7,089 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $3,162,000 | 458 |
| Income before extraordinary items | $-5,964,000 | 7,280 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,964,000 | 7,279 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-5,964,000 | 7,279 |
| Net charge-offs | $-815,000 | 7,423 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-5,964,000 | 7,274 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,183,000 | 3,971 |
| Total interest expense | $901,000 | 3,205 |
| Net interest income | $2,282,000 | 4,206 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $12,605,000 | 315 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $42,000 | 5,758 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $12,563,000 | 230 |
| Total noninterest expense | $17,583,000 | 577 |
| Salaries and employee benefits | $10,860,000 | 451 |
| Premises and equipment expense | $1,531,000 | 838 |
| Additional noninterest expense | $5,192,000 | 701 |
| Pre-tax net operating income | $-2,696,000 | 7,242 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $3,159,000 | 348 |
| Income before extraordinary items | $-5,855,000 | 7,391 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-5,855,000 | 7,391 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-5,855,000 | 7,391 |
| Net charge-offs | $68,000 | 4,213 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-5,855,000 | 7,389 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,600,000 | 3,992 |
| Total interest expense | $471,000 | 3,199 |
| Net interest income | $1,129,000 | 4,225 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $6,430,000 | 314 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $22,000 | 5,670 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $6,408,000 | 231 |
| Total noninterest expense | $9,066,000 | 557 |
| Salaries and employee benefits | $5,447,000 | 462 |
| Premises and equipment expense | $759,000 | 866 |
| Additional noninterest expense | $2,860,000 | 633 |
| Pre-tax net operating income | $-1,507,000 | 7,349 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-634,000 | 7,487 |
| Income before extraordinary items | $-873,000 | 7,269 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-873,000 | 7,270 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-873,000 | 7,270 |
| Net charge-offs | $-69,000 | 7,399 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-873,000 | 7,263 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $8,134,000 | 3,513 |
| Total interest expense | $2,452,000 | 3,039 |
| Net interest income | $5,682,000 | 3,623 |
| Provision for loan and lease losses | $2,775,000 | 1,696 |
| Total noninterest income | $34,023,000 | 265 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $89,000 | 5,635 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $33,934,000 | 203 |
| Total noninterest expense | $35,794,000 | 577 |
| Salaries and employee benefits | $22,390,000 | 438 |
| Premises and equipment expense | $3,084,000 | 834 |
| Additional noninterest expense | $10,320,000 | 727 |
| Pre-tax net operating income | $1,136,000 | 3,166 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $742,000 | 1,494 |
| Income before extraordinary items | $394,000 | 4,641 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $394,000 | 4,642 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $394,000 | 4,642 |
| Net charge-offs | $2,469,000 | 1,644 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $394,000 | 4,489 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,207,000 | 3,528 |
| Total interest expense | $1,904,000 | 3,081 |
| Net interest income | $4,303,000 | 3,643 |
| Provision for loan and lease losses | $2,298,000 | 1,513 |
| Total noninterest income | $24,241,000 | 273 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $68,000 | 5,689 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $24,173,000 | 206 |
| Total noninterest expense | $25,923,000 | 579 |
| Salaries and employee benefits | $16,349,000 | 443 |
| Premises and equipment expense | $2,215,000 | 873 |
| Additional noninterest expense | $7,359,000 | 742 |
| Pre-tax net operating income | $323,000 | 4,771 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $157,000 | 2,757 |
| Income before extraordinary items | $166,000 | 5,452 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $166,000 | 5,454 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $166,000 | 5,455 |
| Net charge-offs | $2,183,000 | 1,427 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $166,000 | 5,290 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,141,000 | 3,553 |
| Total interest expense | $1,361,000 | 3,007 |
| Net interest income | $2,780,000 | 3,729 |
| Provision for loan and lease losses | $2,298,000 | 1,159 |
| Total noninterest income | $14,839,000 | 283 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $46,000 | 5,712 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $14,793,000 | 208 |
| Total noninterest expense | $16,957,000 | 587 |
| Salaries and employee benefits | $10,531,000 | 462 |
| Premises and equipment expense | $1,439,000 | 914 |
| Additional noninterest expense | $4,987,000 | 729 |
| Pre-tax net operating income | $-1,636,000 | 7,200 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-688,000 | 7,545 |
| Income before extraordinary items | $-948,000 | 7,072 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-948,000 | 7,071 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-948,000 | 7,072 |
| Net charge-offs | $2,300,000 | 1,020 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-948,000 | 7,038 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,951,000 | 3,775 |
| Total interest expense | $763,000 | 2,871 |
| Net interest income | $1,188,000 | 4,192 |
| Provision for loan and lease losses | $750,000 | 1,389 |
| Total noninterest income | $6,749,000 | 311 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $23,000 | 5,727 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $6,726,000 | 229 |
| Total noninterest expense | $7,932,000 | 641 |
| Salaries and employee benefits | $4,836,000 | 504 |
| Premises and equipment expense | $696,000 | 974 |
| Additional noninterest expense | $2,400,000 | 758 |
| Pre-tax net operating income | $-745,000 | 7,315 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-313,000 | 7,636 |
| Income before extraordinary items | $-432,000 | 7,208 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-432,000 | 7,210 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-432,000 | 7,209 |
| Net charge-offs | $450,000 | 1,660 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-432,000 | 7,186 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $10,926,000 | 2,995 |
| Total interest expense | $4,885,000 | 2,310 |
| Net interest income | $6,041,000 | 3,445 |
| Provision for loan and lease losses | $10,525,000 | 828 |
| Total noninterest income | $33,229,000 | 276 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $110,000 | 5,624 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $33,119,000 | 201 |
| Total noninterest expense | $36,264,000 | 585 |
| Salaries and employee benefits | $21,909,000 | 440 |
| Premises and equipment expense | $2,922,000 | 929 |
| Additional noninterest expense | $11,433,000 | 708 |
| Pre-tax net operating income | $-7,519,000 | 7,384 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-3,539,000 | 7,668 |
| Income before extraordinary items | $-3,980,000 | 7,154 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-3,980,000 | 7,154 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-3,980,000 | 7,153 |
| Net charge-offs | $11,136,000 | 634 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-3,980,000 | 7,155 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,537,000 | 2,928 |
| Total interest expense | $3,901,000 | 2,265 |
| Net interest income | $4,636,000 | 3,385 |
| Provision for loan and lease losses | $7,125,000 | 806 |
| Total noninterest income | $26,412,000 | 257 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $82,000 | 5,667 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $26,330,000 | 200 |
| Total noninterest expense | $26,565,000 | 598 |
| Salaries and employee benefits | $16,298,000 | 454 |
| Premises and equipment expense | $2,192,000 | 936 |
| Additional noninterest expense | $8,075,000 | 712 |
| Pre-tax net operating income | $-2,642,000 | 7,201 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-1,108,000 | 7,585 |
| Income before extraordinary items | $-1,534,000 | 7,008 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,534,000 | 7,007 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,534,000 | 7,008 |
| Net charge-offs | $7,295,000 | 633 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,534,000 | 6,998 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,249,000 | 2,714 |
| Total interest expense | $2,693,000 | 2,284 |
| Net interest income | $3,556,000 | 3,002 |
| Provision for loan and lease losses | $4,200,000 | 861 |
| Total noninterest income | $17,679,000 | 259 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $55,000 | 5,662 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $17,624,000 | 201 |
| Total noninterest expense | $17,764,000 | 607 |
| Salaries and employee benefits | $11,625,000 | 428 |
| Premises and equipment expense | $1,442,000 | 974 |
| Additional noninterest expense | $4,697,000 | 821 |
| Pre-tax net operating income | $-729,000 | 6,845 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-307,000 | 7,426 |
| Income before extraordinary items | $-422,000 | 6,682 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-422,000 | 6,683 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-422,000 | 6,683 |
| Net charge-offs | $3,425,000 | 762 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-422,000 | 6,658 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,957,000 | 2,904 |
| Total interest expense | $1,241,000 | 2,547 |
| Net interest income | $1,716,000 | 3,084 |
| Provision for loan and lease losses | $3,625,000 | 497 |
| Total noninterest income | $8,397,000 | 253 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $30,000 | 5,504 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $8,367,000 | 190 |
| Total noninterest expense | $8,130,000 | 628 |
| Salaries and employee benefits | $5,162,000 | 490 |
| Premises and equipment expense | $718,000 | 999 |
| Additional noninterest expense | $2,250,000 | 754 |
| Pre-tax net operating income | $-1,642,000 | 7,770 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-691,000 | 7,931 |
| Income before extraordinary items | $-951,000 | 7,685 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-951,000 | 7,686 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-951,000 | 7,686 |
| Net charge-offs | $3,378,000 | 417 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-951,000 | 7,682 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $12,686,000 | 2,881 |
| Total interest expense | $4,854,000 | 3,032 |
| Net interest income | $7,832,000 | 2,767 |
| Provision for loan and lease losses | $5,719,000 | 914 |
| Total noninterest income | $23,617,000 | 315 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $121,000 | 5,644 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $23,496,000 | 222 |
| Total noninterest expense | $26,537,000 | 752 |
| Salaries and employee benefits | $18,165,000 | 527 |
| Premises and equipment expense | $2,698,000 | 1,035 |
| Additional noninterest expense | $5,674,000 | 1,129 |
| Pre-tax net operating income | $-807,000 | 6,923 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-339,000 | 7,359 |
| Income before extraordinary items | $-468,000 | 6,693 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-468,000 | 6,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,750,000 | 723 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-468,000 | 6,823 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,539,000 | 2,939 |
| Total interest expense | $3,670,000 | 3,120 |
| Net interest income | $5,869,000 | 2,773 |
| Provision for loan and lease losses | $3,734,000 | 794 |
| Total noninterest income | $17,805,000 | 331 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $95,000 | 5,613 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $17,710,000 | 235 |
| Total noninterest expense | $19,855,000 | 742 |
| Salaries and employee benefits | $13,544,000 | 548 |
| Premises and equipment expense | $2,050,000 | 1,020 |
| Additional noninterest expense | $4,261,000 | 1,083 |
| Pre-tax net operating income | $85,000 | 6,455 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $82,000 | 3,758 |
| Income before extraordinary items | $3,000 | 6,584 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,000 | 6,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,325,000 | 598 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,000 | 6,749 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,287,000 | 3,014 |
| Total interest expense | $2,499,000 | 3,185 |
| Net interest income | $3,788,000 | 2,846 |
| Provision for loan and lease losses | $352,000 | 2,316 |
| Total noninterest income | $11,615,000 | 352 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $58,000 | 5,759 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $11,557,000 | 254 |
| Total noninterest expense | $13,072,000 | 749 |
| Salaries and employee benefits | $8,918,000 | 557 |
| Premises and equipment expense | $1,339,000 | 1,044 |
| Additional noninterest expense | $2,815,000 | 1,069 |
| Pre-tax net operating income | $1,979,000 | 1,703 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $851,000 | 1,068 |
| Income before extraordinary items | $1,128,000 | 2,326 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,128,000 | 2,326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 2,492 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,128,000 | 2,281 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,057,000 | 3,184 |
| Total interest expense | $1,312,000 | 3,225 |
| Net interest income | $1,745,000 | 3,081 |
| Provision for loan and lease losses | $52,000 | 3,746 |
| Total noninterest income | $5,104,000 | 386 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $31,000 | 5,641 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $5,073,000 | 273 |
| Total noninterest expense | $6,572,000 | 729 |
| Salaries and employee benefits | $4,519,000 | 560 |
| Premises and equipment expense | $678,000 | 1,029 |
| Additional noninterest expense | $1,375,000 | 1,052 |
| Pre-tax net operating income | $225,000 | 4,740 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $96,000 | 2,847 |
| Income before extraordinary items | $129,000 | 5,460 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $129,000 | 5,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 1,513 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $129,000 | 5,366 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,912,000 | 2,693 |
| Total interest expense | $6,019,000 | 2,997 |
| Net interest income | $8,893,000 | 2,480 |
| Provision for loan and lease losses | $1,400,000 | 1,109 |
| Total noninterest income | $27,659,000 | 292 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $124,000 | 5,710 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $27,535,000 | 210 |
| Total noninterest expense | $33,045,000 | 567 |
| Salaries and employee benefits | $21,526,000 | 452 |
| Premises and equipment expense | $3,621,000 | 734 |
| Additional noninterest expense | $7,898,000 | 726 |
| Pre-tax net operating income | $2,107,000 | 3,195 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $781,000 | 2,171 |
| Income before extraordinary items | $1,326,000 | 3,720 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,326,000 | 3,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 3,065 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,326,000 | 3,710 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,233,000 | 2,685 |
| Total interest expense | $4,565,000 | 2,965 |
| Net interest income | $6,668,000 | 2,492 |
| Provision for loan and lease losses | $500,000 | 1,569 |
| Total noninterest income | $22,310,000 | 282 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $97,000 | 5,682 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $22,213,000 | 198 |
| Total noninterest expense | $25,993,000 | 539 |
| Salaries and employee benefits | $17,147,000 | 425 |
| Premises and equipment expense | $2,722,000 | 732 |
| Additional noninterest expense | $6,124,000 | 682 |
| Pre-tax net operating income | $2,485,000 | 2,447 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,036,000 | 1,603 |
| Income before extraordinary items | $1,449,000 | 3,049 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,449,000 | 3,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,320 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,449,000 | 3,028 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,501,000 | 2,698 |
| Total interest expense | $3,110,000 | 2,922 |
| Net interest income | $4,391,000 | 2,541 |
| Provision for loan and lease losses | $500,000 | 1,024 |
| Total noninterest income | $17,457,000 | 268 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $65,000 | 5,696 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $17,392,000 | 196 |
| Total noninterest expense | $18,102,000 | 535 |
| Salaries and employee benefits | $12,191,000 | 415 |
| Premises and equipment expense | $1,849,000 | 743 |
| Additional noninterest expense | $4,062,000 | 702 |
| Pre-tax net operating income | $3,246,000 | 1,441 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,363,000 | 993 |
| Income before extraordinary items | $1,883,000 | 1,843 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,883,000 | 1,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,196 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,883,000 | 1,824 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,580,000 | 2,809 |
| Total interest expense | $1,366,000 | 3,212 |
| Net interest income | $2,214,000 | 2,537 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $6,541,000 | 324 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $31,000 | 5,740 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $6,510,000 | 231 |
| Total noninterest expense | $8,705,000 | 550 |
| Salaries and employee benefits | $5,738,000 | 448 |
| Premises and equipment expense | $952,000 | 710 |
| Additional noninterest expense | $2,015,000 | 692 |
| Pre-tax net operating income | $50,000 | 7,283 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $16,000 | 5,054 |
| Income before extraordinary items | $34,000 | 7,402 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $34,000 | 7,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,267 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $34,000 | 7,390 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $14,432,000 | 2,636 |
| Total interest expense | $4,887,000 | 3,091 |
| Net interest income | $9,545,000 | 2,387 |
| Provision for loan and lease losses | $400,000 | 2,257 |
| Total noninterest income | $31,550,000 | 262 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $155,000 | 5,467 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $31,395,000 | 192 |
| Total noninterest expense | $38,280,000 | 488 |
| Salaries and employee benefits | $25,312,000 | 391 |
| Premises and equipment expense | $3,937,000 | 664 |
| Additional noninterest expense | $9,031,000 | 610 |
| Pre-tax net operating income | $2,415,000 | 3,201 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $915,000 | 2,321 |
| Income before extraordinary items | $1,500,000 | 3,776 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,500,000 | 3,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 2,833 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,500,000 | 3,758 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,603,000 | 2,662 |
| Total interest expense | $3,392,000 | 3,184 |
| Net interest income | $7,211,000 | 2,395 |
| Provision for loan and lease losses | $200,000 | 2,859 |
| Total noninterest income | $24,162,000 | 275 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $121,000 | 5,450 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $24,041,000 | 203 |
| Total noninterest expense | $29,233,000 | 500 |
| Salaries and employee benefits | $19,288,000 | 394 |
| Premises and equipment expense | $3,051,000 | 650 |
| Additional noninterest expense | $6,894,000 | 613 |
| Pre-tax net operating income | $1,940,000 | 3,185 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $796,000 | 2,208 |
| Income before extraordinary items | $1,144,000 | 3,854 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,144,000 | 3,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 3,067 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,144,000 | 3,842 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,754,000 | 2,725 |
| Total interest expense | $2,118,000 | 3,232 |
| Net interest income | $4,636,000 | 2,471 |
| Provision for loan and lease losses | $200,000 | 2,096 |
| Total noninterest income | $16,766,000 | 272 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $77,000 | 5,531 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $16,689,000 | 203 |
| Total noninterest expense | $19,723,000 | 498 |
| Salaries and employee benefits | $13,017,000 | 391 |
| Premises and equipment expense | $2,060,000 | 632 |
| Additional noninterest expense | $4,646,000 | 612 |
| Pre-tax net operating income | $1,479,000 | 2,901 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $610,000 | 2,032 |
| Income before extraordinary items | $869,000 | 3,539 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $869,000 | 3,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 8,323 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $869,000 | 3,527 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,192,000 | 2,821 |
| Total interest expense | $911,000 | 3,503 |
| Net interest income | $2,281,000 | 2,495 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $8,068,000 | 278 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $38,000 | 5,504 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $8,030,000 | 212 |
| Total noninterest expense | $9,909,000 | 498 |
| Salaries and employee benefits | $6,570,000 | 389 |
| Premises and equipment expense | $1,006,000 | 652 |
| Additional noninterest expense | $2,333,000 | 599 |
| Pre-tax net operating income | $440,000 | 4,050 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $179,000 | 2,763 |
| Income before extraordinary items | $261,000 | 4,764 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $261,000 | 4,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,357 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $261,000 | 4,741 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,166,000 | 2,681 |
| Total interest expense | $4,164,000 | 2,565 |
| Net interest income | $8,002,000 | 2,700 |
| Provision for loan and lease losses | $375,000 | 2,387 |
| Total noninterest income | $45,623,000 | 237 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $178,000 | 5,286 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $45,445,000 | 176 |
| Total noninterest expense | $48,598,000 | 396 |
| Salaries and employee benefits | $32,676,000 | 294 |
| Premises and equipment expense | $4,585,000 | 538 |
| Additional noninterest expense | $11,337,000 | 500 |
| Pre-tax net operating income | $4,652,000 | 1,972 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,050,000 | 1,333 |
| Income before extraordinary items | $2,602,000 | 2,515 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,602,000 | 2,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 2,752 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,602,000 | 2,488 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,880,000 | 2,688 |
| Total interest expense | $3,082,000 | 2,481 |
| Net interest income | $5,798,000 | 2,768 |
| Provision for loan and lease losses | $50,000 | 5,172 |
| Total noninterest income | $35,829,000 | 230 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $145,000 | 5,149 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $35,684,000 | 178 |
| Total noninterest expense | $36,520,000 | 394 |
| Salaries and employee benefits | $25,535,000 | 285 |
| Premises and equipment expense | $3,292,000 | 556 |
| Additional noninterest expense | $7,693,000 | 543 |
| Pre-tax net operating income | $5,057,000 | 1,416 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,140,000 | 1,008 |
| Income before extraordinary items | $2,917,000 | 1,790 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,917,000 | 1,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-126,000 | 8,674 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,917,000 | 1,764 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,797,000 | 2,677 |
| Total interest expense | $2,087,000 | 2,349 |
| Net interest income | $3,710,000 | 2,846 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $23,150,000 | 233 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $112,000 | 4,793 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $23,038,000 | 181 |
| Total noninterest expense | $23,944,000 | 393 |
| Salaries and employee benefits | $16,920,000 | 279 |
| Premises and equipment expense | $2,153,000 | 555 |
| Additional noninterest expense | $4,871,000 | 566 |
| Pre-tax net operating income | $2,916,000 | 1,602 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,245,000 | 1,118 |
| Income before extraordinary items | $1,671,000 | 2,027 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,671,000 | 2,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-62,000 | 8,537 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,671,000 | 1,991 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,901,000 | 2,653 |
| Total interest expense | $1,040,000 | 2,254 |
| Net interest income | $1,861,000 | 2,825 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $11,004,000 | 239 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $56,000 | 4,748 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $10,948,000 | 186 |
| Total noninterest expense | $11,632,000 | 398 |
| Salaries and employee benefits | $8,128,000 | 292 |
| Premises and equipment expense | $1,093,000 | 548 |
| Additional noninterest expense | $2,411,000 | 566 |
| Pre-tax net operating income | $1,233,000 | 1,833 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $540,000 | 1,258 |
| Income before extraordinary items | $693,000 | 2,345 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $693,000 | 2,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-59,000 | 8,684 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $693,000 | 2,308 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,615,000 | 2,933 |
| Total interest expense | $2,325,000 | 3,228 |
| Net interest income | $7,290,000 | 2,776 |
| Provision for loan and lease losses | $254,000 | 3,221 |
| Total noninterest income | $42,998,000 | 242 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $199,000 | 5,235 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $42,799,000 | 186 |
| Total noninterest expense | $44,649,000 | 409 |
| Salaries and employee benefits | $30,929,000 | 303 |
| Premises and equipment expense | $3,799,000 | 612 |
| Additional noninterest expense | $9,921,000 | 551 |
| Pre-tax net operating income | $5,385,000 | 1,581 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,893,000 | 1,330 |
| Income before extraordinary items | $3,492,000 | 1,817 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,492,000 | 1,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,043 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,492,000 | 1,775 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,737,000 | 3,083 |
| Total interest expense | $1,507,000 | 3,586 |
| Net interest income | $5,230,000 | 2,872 |
| Provision for loan and lease losses | $154,000 | 3,485 |
| Total noninterest income | $32,338,000 | 249 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $138,000 | 5,445 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $32,200,000 | 197 |
| Total noninterest expense | $32,575,000 | 421 |
| Salaries and employee benefits | $22,808,000 | 309 |
| Premises and equipment expense | $2,716,000 | 637 |
| Additional noninterest expense | $7,051,000 | 580 |
| Pre-tax net operating income | $4,839,000 | 1,343 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,825,000 | 1,094 |
| Income before extraordinary items | $3,014,000 | 1,611 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,014,000 | 1,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,064 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,014,000 | 1,555 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,107,000 | 3,318 |
| Total interest expense | $834,000 | 4,152 |
| Net interest income | $3,273,000 | 3,044 |
| Provision for loan and lease losses | $154,000 | 2,662 |
| Total noninterest income | $22,327,000 | 247 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $83,000 | 5,648 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $22,244,000 | 196 |
| Total noninterest expense | $21,227,000 | 427 |
| Salaries and employee benefits | $14,883,000 | 314 |
| Premises and equipment expense | $1,703,000 | 684 |
| Additional noninterest expense | $4,641,000 | 571 |
| Pre-tax net operating income | $4,219,000 | 1,028 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,568,000 | 892 |
| Income before extraordinary items | $2,651,000 | 1,229 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,651,000 | 1,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,651,000 | 1,186 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,816,000 | 3,681 |
| Total interest expense | $347,000 | 4,730 |
| Net interest income | $1,469,000 | 3,316 |
| Provision for loan and lease losses | $54,000 | 3,215 |
| Total noninterest income | $9,661,000 | 254 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $35,000 | 5,922 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $9,626,000 | 208 |
| Total noninterest expense | $9,781,000 | 468 |
| Salaries and employee benefits | $6,795,000 | 348 |
| Premises and equipment expense | $789,000 | 749 |
| Additional noninterest expense | $2,197,000 | 595 |
| Pre-tax net operating income | $1,295,000 | 1,606 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $408,000 | 1,521 |
| Income before extraordinary items | $887,000 | 1,763 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $887,000 | 1,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $887,000 | 1,682 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,416,000 | 3,290 |
| Total interest expense | $2,390,000 | 3,462 |
| Net interest income | $6,026,000 | 3,171 |
| Provision for loan and lease losses | $650,000 | 1,734 |
| Total noninterest income | $42,599,000 | 249 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $103,000 | 6,512 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $42,496,000 | 205 |
| Total noninterest expense | $42,602,000 | 431 |
| Salaries and employee benefits | $29,558,000 | 312 |
| Premises and equipment expense | $3,440,000 | 665 |
| Additional noninterest expense | $9,604,000 | 575 |
| Pre-tax net operating income | $5,373,000 | 1,527 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $2,181,000 | 1,207 |
| Income before extraordinary items | $3,192,000 | 1,934 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,192,000 | 1,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $263,000 | 2,436 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,192,000 | 1,848 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,770,000 | 3,140 |
| Total interest expense | $2,079,000 | 3,190 |
| Net interest income | $4,691,000 | 3,080 |
| Provision for loan and lease losses | $450,000 | 1,799 |
| Total noninterest income | $32,897,000 | 250 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $68,000 | 6,764 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $32,829,000 | 207 |
| Total noninterest expense | $32,560,000 | 429 |
| Salaries and employee benefits | $23,441,000 | 305 |
| Premises and equipment expense | $2,407,000 | 729 |
| Additional noninterest expense | $6,712,000 | 615 |
| Pre-tax net operating income | $4,578,000 | 1,414 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,925,000 | 1,093 |
| Income before extraordinary items | $2,653,000 | 1,825 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,653,000 | 1,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 1,872 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,653,000 | 1,719 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,398,000 | 3,233 |
| Total interest expense | $1,430,000 | 3,192 |
| Net interest income | $2,968,000 | 3,221 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $21,161,000 | 252 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $43,000 | 6,840 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $21,118,000 | 205 |
| Total noninterest expense | $21,455,000 | 436 |
| Salaries and employee benefits | $15,418,000 | 311 |
| Premises and equipment expense | $1,559,000 | 751 |
| Additional noninterest expense | $4,478,000 | 614 |
| Pre-tax net operating income | $2,374,000 | 1,759 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,006,000 | 1,370 |
| Income before extraordinary items | $1,368,000 | 2,286 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,368,000 | 2,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $262,000 | 1,377 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,368,000 | 2,160 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,958,000 | 3,588 |
| Total interest expense | $655,000 | 3,501 |
| Net interest income | $1,303,000 | 3,580 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $10,217,000 | 257 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $26,000 | 6,492 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,191,000 | 208 |
| Total noninterest expense | $9,807,000 | 469 |
| Salaries and employee benefits | $6,956,000 | 337 |
| Premises and equipment expense | $734,000 | 793 |
| Additional noninterest expense | $2,117,000 | 635 |
| Pre-tax net operating income | $1,563,000 | 1,366 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $645,000 | 1,128 |
| Income before extraordinary items | $918,000 | 1,735 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $918,000 | 1,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,727 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $918,000 | 1,625 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,782,000 | 3,376 |
| Total interest expense | $3,193,000 | 3,357 |
| Net interest income | $5,589,000 | 3,333 |
| Provision for loan and lease losses | $608,000 | 2,038 |
| Total noninterest income | $33,954,000 | 285 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $123,000 | 6,207 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $33,831,000 | 226 |
| Total noninterest expense | $36,888,000 | 473 |
| Salaries and employee benefits | $26,273,000 | 336 |
| Premises and equipment expense | $2,872,000 | 762 |
| Additional noninterest expense | $7,743,000 | 683 |
| Pre-tax net operating income | $2,047,000 | 3,369 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $848,000 | 2,491 |
| Income before extraordinary items | $1,199,000 | 4,093 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,199,000 | 4,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-94,000 | 9,228 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,199,000 | 3,981 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $549,000 | 9,409 |
| Total interest expense | $229,000 | 9,360 |
| Net interest income | $320,000 | 9,391 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $2,804,000 | 1,558 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $9,000 | 8,267 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,795,000 | 997 |
| Total noninterest expense | $2,723,000 | 4,664 |
| Salaries and employee benefits | $1,738,000 | 4,019 |
| Premises and equipment expense | $225,000 | 6,420 |
| Additional noninterest expense | $760,000 | 4,968 |
| Pre-tax net operating income | $401,000 | 6,982 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $169,000 | 5,285 |
| Income before extraordinary items | $232,000 | 7,525 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $232,000 | 7,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,952 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $232,000 | 7,407 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,057,000 | 8,349 |
| Total interest expense | $779,000 | 8,689 |
| Net interest income | $1,278,000 | 7,913 |
| Provision for loan and lease losses | $130,000 | 4,683 |
| Total noninterest income | $146,000 | 7,952 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $102,000 | 6,526 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 8,029 |
| Total noninterest expense | $1,763,000 | 6,129 |
| Salaries and employee benefits | $783,000 | 6,811 |
| Premises and equipment expense | $233,000 | 6,275 |
| Additional noninterest expense | $747,000 | 4,955 |
| Pre-tax net operating income | $-469,000 | 9,518 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,000 | 8,314 |
| Income before extraordinary items | $-470,000 | 9,555 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-470,000 | 9,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $216,000 | 2,287 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-470,000 | 9,555 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,200,000 | 8,262 |
| Total interest expense | $832,000 | 8,612 |
| Net interest income | $1,368,000 | 7,840 |
| Provision for loan and lease losses | $366,000 | 2,246 |
| Total noninterest income | $60,000 | 9,448 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $49,000 | 7,861 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 9,676 |
| Total noninterest expense | $1,975,000 | 5,732 |
| Salaries and employee benefits | $641,000 | 7,534 |
| Premises and equipment expense | $227,000 | 6,401 |
| Additional noninterest expense | $1,107,000 | 3,691 |
| Pre-tax net operating income | $-913,000 | 10,044 |
| Securities gains (losses) | $-70,000 | 9,881 |
| Applicable income taxes | $1,000 | 8,717 |
| Income before extraordinary items | $-984,000 | 10,079 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-984,000 | 10,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $260,000 | 2,028 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $458,000 | 619 |
| Net operating income | $-914,000 | 10,058 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,631,000 | 9,126 |
| Total interest expense | $589,000 | 9,505 |
| Net interest income | $1,042,000 | 8,702 |
| Provision for loan and lease losses | $209,000 | 3,435 |
| Total noninterest income | $68,000 | 9,547 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 8,466 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 8,704 |
| Total noninterest expense | $1,443,000 | 6,845 |
| Salaries and employee benefits | $593,000 | 7,794 |
| Premises and equipment expense | $227,000 | 6,307 |
| Additional noninterest expense | $623,000 | 5,608 |
| Pre-tax net operating income | $-542,000 | 10,207 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $2,000 | 9,272 |
| Income before extraordinary items | $-544,000 | 10,246 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-544,000 | 10,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,667 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $49,000 | 863 |
| Net operating income | $-544,000 | 10,220 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $578,000 | 10,654 |
| Total interest expense | $238,000 | 10,614 |
| Net interest income | $340,000 | 10,640 |
| Provision for loan and lease losses | $45,000 | 6,862 |
| Total noninterest income | $15,000 | 10,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $9,000 | 9,307 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 10,622 |
| Total noninterest expense | $1,086,000 | 8,049 |
| Salaries and employee benefits | $427,000 | 9,087 |
| Premises and equipment expense | $243,000 | 6,164 |
| Additional noninterest expense | $416,000 | 7,217 |
| Pre-tax net operating income | $-776,000 | 10,814 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-776,000 | 10,825 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-776,000 | 10,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $4,450,000 | 227 |
| Net operating income | $-776,000 | 10,810 |
* 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.