Home > Glasgow Savings Bank > Income and Expense
Glasgow Savings Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $382,000 | 7,066 |
| Total interest expense | $43,000 | 7,051 |
| Net interest income | $339,000 | 7,044 |
| Provision for loan and lease losses | $899,000 | 1,207 |
| Total noninterest income | $36,000 | 6,650 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $34,000 | 6,029 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,000 | 6,684 |
| Total noninterest expense | $487,000 | 6,730 |
| Salaries and employee benefits | $201,000 | 6,927 |
| Premises and equipment expense | $38,000 | 6,837 |
| Additional noninterest expense | $248,000 | 6,180 |
| Pre-tax net operating income | $-1,011,000 | 6,970 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-1,011,000 | 7,000 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,011,000 | 6,999 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-1,011,000 | 7,000 |
| Net charge-offs | $707,000 | 1,439 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-1,011,000 | 6,981 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $176,000 | 7,151 |
| Total interest expense | $24,000 | 7,094 |
| Net interest income | $152,000 | 7,136 |
| Provision for loan and lease losses | $899,000 | 685 |
| Total noninterest income | $17,000 | 6,739 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $15,000 | 6,165 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,000 | 6,726 |
| Total noninterest expense | $254,000 | 6,745 |
| Salaries and employee benefits | $104,000 | 6,968 |
| Premises and equipment expense | $20,000 | 6,845 |
| Additional noninterest expense | $130,000 | 6,158 |
| Pre-tax net operating income | $-984,000 | 7,155 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-984,000 | 7,166 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-984,000 | 7,165 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-984,000 | 7,166 |
| Net charge-offs | $727,000 | 845 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-984,000 | 7,156 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,275,000 | 6,923 |
| Total interest expense | $200,000 | 6,905 |
| Net interest income | $1,075,000 | 6,877 |
| Provision for loan and lease losses | $371,000 | 3,841 |
| Total noninterest income | $-22,000 | 7,019 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $63,000 | 6,099 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-85,000 | 6,879 |
| Total noninterest expense | $1,154,000 | 6,676 |
| Salaries and employee benefits | $486,000 | 6,922 |
| Premises and equipment expense | $112,000 | 6,737 |
| Additional noninterest expense | $556,000 | 6,109 |
| Pre-tax net operating income | $-472,000 | 6,394 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-472,000 | 6,464 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-472,000 | 6,466 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-472,000 | 6,465 |
| Net charge-offs | $719,000 | 2,751 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-472,000 | 6,427 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $970,000 | 6,979 |
| Total interest expense | $170,000 | 6,910 |
| Net interest income | $800,000 | 6,951 |
| Provision for loan and lease losses | $334,000 | 3,468 |
| Total noninterest income | $-19,000 | 7,139 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $47,000 | 6,146 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-66,000 | 7,028 |
| Total noninterest expense | $852,000 | 6,734 |
| Salaries and employee benefits | $392,000 | 6,886 |
| Premises and equipment expense | $73,000 | 6,888 |
| Additional noninterest expense | $387,000 | 6,274 |
| Pre-tax net operating income | $-405,000 | 6,545 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $90,000 | 3,278 |
| Income before extraordinary items | $-495,000 | 6,689 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-495,000 | 6,690 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-495,000 | 6,690 |
| Net charge-offs | $721,000 | 2,260 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-495,000 | 6,636 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $659,000 | 7,030 |
| Total interest expense | $134,000 | 6,853 |
| Net interest income | $525,000 | 7,020 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $36,000 | 6,821 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $30,000 | 6,196 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,000 | 6,744 |
| Total noninterest expense | $623,000 | 6,684 |
| Salaries and employee benefits | $279,000 | 6,885 |
| Premises and equipment expense | $48,000 | 6,956 |
| Additional noninterest expense | $296,000 | 6,125 |
| Pre-tax net operating income | $-62,000 | 6,351 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $1,000 | 4,573 |
| Income before extraordinary items | $-63,000 | 6,446 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-63,000 | 6,446 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-63,000 | 6,446 |
| Net charge-offs | $519,000 | 2,104 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-63,000 | 6,390 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $328,000 | 7,082 |
| Total interest expense | $78,000 | 6,796 |
| Net interest income | $250,000 | 7,108 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $16,000 | 6,946 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $13,000 | 6,312 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $3,000 | 6,858 |
| Total noninterest expense | $334,000 | 6,645 |
| Salaries and employee benefits | $153,000 | 6,804 |
| Premises and equipment expense | $23,000 | 7,027 |
| Additional noninterest expense | $158,000 | 6,045 |
| Pre-tax net operating income | $-68,000 | 6,603 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-68,000 | 6,632 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-68,000 | 6,632 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-68,000 | 6,632 |
| Net charge-offs | $455,000 | 1,414 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-68,000 | 6,620 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,316,000 | 7,175 |
| Total interest expense | $393,000 | 6,816 |
| Net interest income | $923,000 | 7,236 |
| Provision for loan and lease losses | $1,028,000 | 3,004 |
| Total noninterest income | $-118,000 | 7,389 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $68,000 | 5,949 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-186,000 | 7,267 |
| Total noninterest expense | $3,041,000 | 4,988 |
| Salaries and employee benefits | $571,000 | 6,988 |
| Premises and equipment expense | $101,000 | 7,048 |
| Additional noninterest expense | $2,369,000 | 2,797 |
| Pre-tax net operating income | $-3,264,000 | 6,954 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-225,000 | 6,987 |
| Income before extraordinary items | $-3,039,000 | 7,001 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,039,000 | 7,001 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-3,039,000 | 7,002 |
| Net charge-offs | $401,000 | 3,928 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-3,039,000 | 6,979 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $982,000 | 7,291 |
| Total interest expense | $308,000 | 6,903 |
| Net interest income | $674,000 | 7,349 |
| Provision for loan and lease losses | $353,000 | 4,097 |
| Total noninterest income | $-46,000 | 7,493 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $54,000 | 5,964 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-100,000 | 7,388 |
| Total noninterest expense | $942,000 | 6,857 |
| Salaries and employee benefits | $420,000 | 7,080 |
| Premises and equipment expense | $70,000 | 7,197 |
| Additional noninterest expense | $452,000 | 6,256 |
| Pre-tax net operating income | $-667,000 | 6,635 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-260,000 | 7,253 |
| Income before extraordinary items | $-407,000 | 6,616 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-407,000 | 6,616 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-407,000 | 6,616 |
| Net charge-offs | $395,000 | 3,372 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-407,000 | 6,537 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $689,000 | 7,309 |
| Total interest expense | $217,000 | 6,925 |
| Net interest income | $472,000 | 7,373 |
| Provision for loan and lease losses | $309,000 | 3,551 |
| Total noninterest income | $-57,000 | 7,610 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $36,000 | 5,999 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-93,000 | 7,516 |
| Total noninterest expense | $600,000 | 6,977 |
| Salaries and employee benefits | $271,000 | 7,167 |
| Premises and equipment expense | $43,000 | 7,318 |
| Additional noninterest expense | $286,000 | 6,366 |
| Pre-tax net operating income | $-494,000 | 6,740 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-184,000 | 7,307 |
| Income before extraordinary items | $-310,000 | 6,706 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-310,000 | 6,708 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-310,000 | 6,707 |
| Net charge-offs | $396,000 | 2,718 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-310,000 | 6,658 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $348,000 | 7,400 |
| Total interest expense | $112,000 | 7,017 |
| Net interest income | $236,000 | 7,457 |
| Provision for loan and lease losses | $293,000 | 2,502 |
| Total noninterest income | $18,000 | 7,169 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $17,000 | 6,094 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,000 | 7,328 |
| Total noninterest expense | $268,000 | 7,207 |
| Salaries and employee benefits | $131,000 | 7,292 |
| Premises and equipment expense | $21,000 | 7,415 |
| Additional noninterest expense | $116,000 | 6,786 |
| Pre-tax net operating income | $-307,000 | 6,978 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-116,000 | 7,467 |
| Income before extraordinary items | $-191,000 | 6,918 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-191,000 | 6,919 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-191,000 | 6,918 |
| Net charge-offs | $399,000 | 1,783 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-191,000 | 6,879 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,843,000 | 7,180 |
| Total interest expense | $435,000 | 7,270 |
| Net interest income | $1,408,000 | 7,010 |
| Provision for loan and lease losses | $816,000 | 3,816 |
| Total noninterest income | $74,000 | 7,198 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $69,000 | 6,180 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $5,000 | 7,291 |
| Total noninterest expense | $1,155,000 | 7,213 |
| Salaries and employee benefits | $492,000 | 7,455 |
| Premises and equipment expense | $54,000 | 7,756 |
| Additional noninterest expense | $609,000 | 6,424 |
| Pre-tax net operating income | $-489,000 | 5,976 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-184,000 | 6,741 |
| Income before extraordinary items | $-305,000 | 5,931 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-305,000 | 5,930 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-305,000 | 5,930 |
| Net charge-offs | $410,000 | 4,050 |
| Cash dividends | $157,000 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-305,000 | 5,928 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,419,000 | 7,212 |
| Total interest expense | $331,000 | 7,368 |
| Net interest income | $1,088,000 | 7,000 |
| Provision for loan and lease losses | $409,000 | 4,146 |
| Total noninterest income | $46,000 | 7,445 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $53,000 | 6,201 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-7,000 | 7,659 |
| Total noninterest expense | $864,000 | 7,260 |
| Salaries and employee benefits | $364,000 | 7,504 |
| Premises and equipment expense | $66,000 | 7,546 |
| Additional noninterest expense | $434,000 | 6,537 |
| Pre-tax net operating income | $-139,000 | 5,941 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-54,000 | 6,828 |
| Income before extraordinary items | $-85,000 | 5,945 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-85,000 | 5,945 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-85,000 | 5,945 |
| Net charge-offs | $88,000 | 5,172 |
| Cash dividends | $157,000 | 3,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-85,000 | 5,919 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $954,000 | 7,275 |
| Total interest expense | $229,000 | 7,430 |
| Net interest income | $725,000 | 7,041 |
| Provision for loan and lease losses | $380,000 | 3,354 |
| Total noninterest income | $18,000 | 7,706 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $32,000 | 6,340 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-14,000 | 7,843 |
| Total noninterest expense | $563,000 | 7,358 |
| Salaries and employee benefits | $244,000 | 7,582 |
| Premises and equipment expense | $42,000 | 7,657 |
| Additional noninterest expense | $277,000 | 6,658 |
| Pre-tax net operating income | $-200,000 | 6,279 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-76,000 | 7,078 |
| Income before extraordinary items | $-124,000 | 6,237 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-124,000 | 6,236 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-124,000 | 6,236 |
| Net charge-offs | $76,000 | 4,525 |
| Cash dividends | $140,000 | 3,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-124,000 | 6,201 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $485,000 | 7,304 |
| Total interest expense | $119,000 | 7,483 |
| Net interest income | $366,000 | 7,040 |
| Provision for loan and lease losses | $130,000 | 3,489 |
| Total noninterest income | $15,000 | 7,594 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $12,000 | 6,577 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $3,000 | 7,508 |
| Total noninterest expense | $273,000 | 7,413 |
| Salaries and employee benefits | $121,000 | 7,641 |
| Premises and equipment expense | $20,000 | 7,727 |
| Additional noninterest expense | $132,000 | 6,601 |
| Pre-tax net operating income | $-22,000 | 6,375 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-8,000 | 7,177 |
| Income before extraordinary items | $-14,000 | 6,479 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-14,000 | 6,480 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-14,000 | 6,480 |
| Net charge-offs | $10,000 | 4,758 |
| Cash dividends | $50,000 | 2,639 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-14,000 | 6,348 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,107,000 | 7,260 |
| Total interest expense | $716,000 | 7,293 |
| Net interest income | $1,391,000 | 7,136 |
| Provision for loan and lease losses | $187,000 | 5,288 |
| Total noninterest income | $104,000 | 7,263 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $76,000 | 6,237 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $28,000 | 7,222 |
| Total noninterest expense | $935,000 | 7,622 |
| Salaries and employee benefits | $440,000 | 7,802 |
| Premises and equipment expense | $71,000 | 7,876 |
| Additional noninterest expense | $424,000 | 6,941 |
| Pre-tax net operating income | $373,000 | 5,213 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $138,000 | 3,137 |
| Income before extraordinary items | $235,000 | 5,349 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $235,000 | 5,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 5,227 |
| Cash dividends | $141,000 | 4,767 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $235,000 | 5,507 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,618,000 | 7,302 |
| Total interest expense | $582,000 | 7,285 |
| Net interest income | $1,036,000 | 7,206 |
| Provision for loan and lease losses | $128,000 | 4,842 |
| Total noninterest income | $68,000 | 7,523 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $59,000 | 6,247 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $9,000 | 7,809 |
| Total noninterest expense | $689,000 | 7,680 |
| Salaries and employee benefits | $323,000 | 7,857 |
| Premises and equipment expense | $53,000 | 7,935 |
| Additional noninterest expense | $313,000 | 6,958 |
| Pre-tax net operating income | $287,000 | 5,687 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $105,000 | 3,561 |
| Income before extraordinary items | $182,000 | 5,797 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $182,000 | 5,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,232 |
| Cash dividends | $141,000 | 4,177 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $182,000 | 5,976 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,071,000 | 7,384 |
| Total interest expense | $408,000 | 7,339 |
| Net interest income | $663,000 | 7,296 |
| Provision for loan and lease losses | $20,000 | 5,946 |
| Total noninterest income | $44,000 | 7,610 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $37,000 | 6,331 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $7,000 | 7,835 |
| Total noninterest expense | $453,000 | 7,753 |
| Salaries and employee benefits | $213,000 | 7,935 |
| Premises and equipment expense | $34,000 | 8,018 |
| Additional noninterest expense | $206,000 | 7,011 |
| Pre-tax net operating income | $234,000 | 5,594 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $82,000 | 3,645 |
| Income before extraordinary items | $152,000 | 5,954 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $152,000 | 5,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 3,746 |
| Cash dividends | $41,000 | 4,505 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $152,000 | 5,899 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $548,000 | 7,418 |
| Total interest expense | $211,000 | 7,405 |
| Net interest income | $337,000 | 7,314 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $22,000 | 7,623 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $18,000 | 6,345 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $4,000 | 7,805 |
| Total noninterest expense | $228,000 | 7,780 |
| Salaries and employee benefits | $106,000 | 7,972 |
| Premises and equipment expense | $16,000 | 8,087 |
| Additional noninterest expense | $106,000 | 6,966 |
| Pre-tax net operating income | $131,000 | 5,651 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $44,000 | 3,700 |
| Income before extraordinary items | $87,000 | 6,014 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $87,000 | 6,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,665 |
| Cash dividends | $41,000 | 3,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $87,000 | 5,923 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,045,000 | 7,527 |
| Total interest expense | $741,000 | 7,586 |
| Net interest income | $1,304,000 | 7,368 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $77,000 | 7,779 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $64,000 | 6,532 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $13,000 | 7,982 |
| Total noninterest expense | $888,000 | 7,813 |
| Salaries and employee benefits | $399,000 | 8,059 |
| Premises and equipment expense | $58,000 | 8,175 |
| Additional noninterest expense | $431,000 | 6,913 |
| Pre-tax net operating income | $493,000 | 6,022 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $194,000 | 3,866 |
| Income before extraordinary items | $299,000 | 6,429 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $299,000 | 6,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,191 |
| Cash dividends | $389,000 | 4,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $299,000 | 6,414 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,514,000 | 7,589 |
| Total interest expense | $548,000 | 7,646 |
| Net interest income | $966,000 | 7,449 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $55,000 | 7,885 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $49,000 | 6,545 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $6,000 | 8,162 |
| Total noninterest expense | $647,000 | 7,827 |
| Salaries and employee benefits | $299,000 | 8,045 |
| Premises and equipment expense | $38,000 | 8,235 |
| Additional noninterest expense | $310,000 | 6,977 |
| Pre-tax net operating income | $374,000 | 6,267 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $143,000 | 4,090 |
| Income before extraordinary items | $231,000 | 6,650 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $231,000 | 6,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 3,266 |
| Cash dividends | $240,000 | 3,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $231,000 | 6,635 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,004,000 | 7,639 |
| Total interest expense | $368,000 | 7,671 |
| Net interest income | $636,000 | 7,530 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $39,000 | 7,878 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $34,000 | 6,547 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $5,000 | 8,175 |
| Total noninterest expense | $412,000 | 7,929 |
| Salaries and employee benefits | $203,000 | 8,074 |
| Premises and equipment expense | $25,000 | 8,294 |
| Additional noninterest expense | $184,000 | 7,226 |
| Pre-tax net operating income | $263,000 | 6,280 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $102,000 | 4,108 |
| Income before extraordinary items | $161,000 | 6,654 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $161,000 | 6,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 2,438 |
| Cash dividends | $190,000 | 3,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $161,000 | 6,645 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $485,000 | 7,729 |
| Total interest expense | $175,000 | 7,751 |
| Net interest income | $310,000 | 7,597 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $18,000 | 7,949 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $16,000 | 6,601 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $2,000 | 8,219 |
| Total noninterest expense | $202,000 | 7,995 |
| Salaries and employee benefits | $99,000 | 8,138 |
| Premises and equipment expense | $12,000 | 8,328 |
| Additional noninterest expense | $91,000 | 7,255 |
| Pre-tax net operating income | $126,000 | 6,337 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $53,000 | 4,059 |
| Income before extraordinary items | $73,000 | 6,816 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $73,000 | 6,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 2,733 |
| Cash dividends | $150,000 | 2,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $73,000 | 6,793 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,358,000 | 8,030 |
| Total interest expense | $388,000 | 8,124 |
| Net interest income | $970,000 | 7,881 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $71,000 | 8,033 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $54,000 | 6,825 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $17,000 | 8,067 |
| Total noninterest expense | $646,000 | 8,256 |
| Salaries and employee benefits | $354,000 | 8,263 |
| Premises and equipment expense | $36,000 | 8,482 |
| Additional noninterest expense | $256,000 | 7,820 |
| Pre-tax net operating income | $395,000 | 6,797 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $149,000 | 4,602 |
| Income before extraordinary items | $246,000 | 7,107 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $246,000 | 7,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,716 |
| Cash dividends | $805,000 | 2,927 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $246,000 | 7,098 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $891,000 | 8,208 |
| Total interest expense | $236,000 | 8,321 |
| Net interest income | $655,000 | 8,091 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $39,000 | 8,288 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $34,000 | 7,042 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,000 | 8,420 |
| Total noninterest expense | $425,000 | 8,384 |
| Salaries and employee benefits | $240,000 | 8,354 |
| Premises and equipment expense | $24,000 | 8,566 |
| Additional noninterest expense | $161,000 | 8,065 |
| Pre-tax net operating income | $269,000 | 7,148 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $105,000 | 4,882 |
| Income before extraordinary items | $164,000 | 7,409 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $164,000 | 7,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $785,000 | 2,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $164,000 | 7,409 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $442,000 | 8,468 |
| Total interest expense | $111,000 | 8,478 |
| Net interest income | $331,000 | 8,384 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $20,000 | 8,420 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $16,000 | 7,270 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,000 | 8,426 |
| Total noninterest expense | $206,000 | 8,615 |
| Salaries and employee benefits | $117,000 | 8,589 |
| Premises and equipment expense | $10,000 | 8,672 |
| Additional noninterest expense | $79,000 | 8,388 |
| Pre-tax net operating income | $145,000 | 7,412 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $54,000 | 5,169 |
| Income before extraordinary items | $91,000 | 7,599 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $91,000 | 7,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,967 |
| Cash dividends | $675,000 | 1,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $91,000 | 7,604 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $366,000 | 8,045 |
| Total interest expense | $96,000 | 8,164 |
| Net interest income | $270,000 | 7,878 |
| Provision for loan and lease losses | $9,000 | 5,345 |
| Total noninterest income | $17,000 | 8,197 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $15,000 | 6,832 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $2,000 | 8,382 |
| Total noninterest expense | $180,000 | 8,202 |
| Salaries and employee benefits | $120,000 | 7,988 |
| Premises and equipment expense | $9,000 | 8,564 |
| Additional noninterest expense | $51,000 | 8,144 |
| Pre-tax net operating income | $98,000 | 7,086 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $35,000 | 4,870 |
| Income before extraordinary items | $63,000 | 7,309 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $63,000 | 7,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $63,000 | 7,318 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,435,000 | 7,964 |
| Total interest expense | $328,000 | 8,119 |
| Net interest income | $1,107,000 | 7,803 |
| Provision for loan and lease losses | $41,000 | 5,955 |
| Total noninterest income | $92,000 | 8,016 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $69,000 | 6,762 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $23,000 | 8,051 |
| Total noninterest expense | $719,000 | 8,204 |
| Salaries and employee benefits | $465,000 | 8,008 |
| Premises and equipment expense | $69,000 | 8,239 |
| Additional noninterest expense | $185,000 | 8,315 |
| Pre-tax net operating income | $439,000 | 6,929 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $161,000 | 4,915 |
| Income before extraordinary items | $278,000 | 7,273 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $278,000 | 7,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,559 |
| Cash dividends | $200,000 | 4,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $278,000 | 7,256 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,072,000 | 7,985 |
| Total interest expense | $236,000 | 8,160 |
| Net interest income | $836,000 | 7,836 |
| Provision for loan and lease losses | $32,000 | 5,761 |
| Total noninterest income | $64,000 | 8,133 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $52,000 | 6,812 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $12,000 | 8,286 |
| Total noninterest expense | $531,000 | 8,222 |
| Salaries and employee benefits | $349,000 | 7,990 |
| Premises and equipment expense | $50,000 | 8,265 |
| Additional noninterest expense | $132,000 | 8,349 |
| Pre-tax net operating income | $337,000 | 7,037 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $123,000 | 5,043 |
| Income before extraordinary items | $214,000 | 7,368 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $214,000 | 7,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,791 |
| Cash dividends | $100,000 | 4,657 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $214,000 | 7,336 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $715,000 | 7,991 |
| Total interest expense | $152,000 | 8,166 |
| Net interest income | $563,000 | 7,833 |
| Provision for loan and lease losses | $23,000 | 5,573 |
| Total noninterest income | $42,000 | 8,149 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $34,000 | 6,810 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $8,000 | 8,279 |
| Total noninterest expense | $353,000 | 8,224 |
| Salaries and employee benefits | $232,000 | 8,006 |
| Premises and equipment expense | $32,000 | 8,308 |
| Additional noninterest expense | $89,000 | 8,320 |
| Pre-tax net operating income | $229,000 | 7,025 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $83,000 | 5,046 |
| Income before extraordinary items | $146,000 | 7,383 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $146,000 | 7,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 2,957 |
| Cash dividends | $100,000 | 4,233 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $146,000 | 7,340 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $359,000 | 8,035 |
| Total interest expense | $74,000 | 8,212 |
| Net interest income | $285,000 | 7,882 |
| Provision for loan and lease losses | $14,000 | 5,196 |
| Total noninterest income | $23,000 | 8,065 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $15,000 | 6,958 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $8,000 | 7,922 |
| Total noninterest expense | $178,000 | 8,291 |
| Salaries and employee benefits | $116,000 | 8,073 |
| Premises and equipment expense | $18,000 | 8,281 |
| Additional noninterest expense | $44,000 | 8,407 |
| Pre-tax net operating income | $116,000 | 7,013 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $42,000 | 4,975 |
| Income before extraordinary items | $74,000 | 7,345 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $74,000 | 7,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $74,000 | 7,311 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,472,000 | 7,934 |
| Total interest expense | $292,000 | 8,136 |
| Net interest income | $1,180,000 | 7,767 |
| Provision for loan and lease losses | $24,000 | 6,604 |
| Total noninterest income | $82,000 | 8,278 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $61,000 | 7,102 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $21,000 | 8,187 |
| Total noninterest expense | $694,000 | 8,325 |
| Salaries and employee benefits | $449,000 | 8,138 |
| Premises and equipment expense | $61,000 | 8,469 |
| Additional noninterest expense | $184,000 | 8,403 |
| Pre-tax net operating income | $544,000 | 6,566 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $191,000 | 4,811 |
| Income before extraordinary items | $353,000 | 7,005 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $353,000 | 7,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,809 |
| Cash dividends | $300,000 | 4,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $353,000 | 6,954 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,110,000 | 7,935 |
| Total interest expense | $222,000 | 8,147 |
| Net interest income | $888,000 | 7,801 |
| Provision for loan and lease losses | $15,000 | 6,527 |
| Total noninterest income | $56,000 | 8,400 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $46,000 | 7,147 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,000 | 8,467 |
| Total noninterest expense | $517,000 | 8,348 |
| Salaries and employee benefits | $337,000 | 8,123 |
| Premises and equipment expense | $45,000 | 8,490 |
| Additional noninterest expense | $135,000 | 8,426 |
| Pre-tax net operating income | $412,000 | 6,681 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $143,000 | 4,908 |
| Income before extraordinary items | $269,000 | 7,100 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $269,000 | 7,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $200,000 | 3,963 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $269,000 | 7,031 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $748,000 | 7,978 |
| Total interest expense | $150,000 | 8,191 |
| Net interest income | $598,000 | 7,825 |
| Provision for loan and lease losses | $6,000 | 6,548 |
| Total noninterest income | $36,000 | 8,481 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $29,000 | 7,223 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $7,000 | 8,495 |
| Total noninterest expense | $343,000 | 8,417 |
| Salaries and employee benefits | $224,000 | 8,186 |
| Premises and equipment expense | $29,000 | 8,567 |
| Additional noninterest expense | $90,000 | 8,466 |
| Pre-tax net operating income | $285,000 | 6,600 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $101,000 | 4,830 |
| Income before extraordinary items | $184,000 | 7,036 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $184,000 | 7,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $200,000 | 3,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $184,000 | 6,964 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $372,000 | 8,030 |
| Total interest expense | $77,000 | 8,233 |
| Net interest income | $295,000 | 7,883 |
| Provision for loan and lease losses | $6,000 | 5,941 |
| Total noninterest income | $18,000 | 8,495 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $14,000 | 7,243 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $4,000 | 8,419 |
| Total noninterest expense | $173,000 | 8,440 |
| Salaries and employee benefits | $113,000 | 8,210 |
| Premises and equipment expense | $14,000 | 8,600 |
| Additional noninterest expense | $46,000 | 8,499 |
| Pre-tax net operating income | $134,000 | 6,665 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $47,000 | 4,925 |
| Income before extraordinary items | $87,000 | 7,109 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $87,000 | 7,111 |
| 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 | $87,000 | 7,024 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,561,000 | 8,014 |
| Total interest expense | $395,000 | 8,128 |
| Net interest income | $1,166,000 | 7,860 |
| Provision for loan and lease losses | $33,000 | 6,726 |
| Total noninterest income | $80,000 | 8,501 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $58,000 | 7,304 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $22,000 | 8,373 |
| Total noninterest expense | $685,000 | 8,483 |
| Salaries and employee benefits | $434,000 | 8,299 |
| Premises and equipment expense | $63,000 | 8,579 |
| Additional noninterest expense | $188,000 | 8,520 |
| Pre-tax net operating income | $528,000 | 6,575 |
| Securities gains (losses) | $14,000 | 3,435 |
| Applicable income taxes | $191,000 | 4,984 |
| Income before extraordinary items | $351,000 | 7,028 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $351,000 | 7,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,281 |
| Cash dividends | $1,400,000 | 1,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $341,900 | 6,932 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,188,000 | 8,078 |
| Total interest expense | $313,000 | 8,178 |
| Net interest income | $875,000 | 7,927 |
| Provision for loan and lease losses | $27,000 | 6,482 |
| Total noninterest income | $57,000 | 8,619 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $44,000 | 7,355 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $13,000 | 8,555 |
| Total noninterest expense | $507,000 | 8,516 |
| Salaries and employee benefits | $326,000 | 8,307 |
| Premises and equipment expense | $44,000 | 8,675 |
| Additional noninterest expense | $137,000 | 8,563 |
| Pre-tax net operating income | $398,000 | 6,717 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $140,000 | 5,201 |
| Income before extraordinary items | $258,000 | 7,203 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $258,000 | 7,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,833 |
| Cash dividends | $200,000 | 4,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $258,000 | 7,041 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $806,000 | 8,113 |
| Total interest expense | $223,000 | 8,187 |
| Net interest income | $583,000 | 7,952 |
| Provision for loan and lease losses | $18,000 | 6,396 |
| Total noninterest income | $31,000 | 8,774 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $29,000 | 7,375 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,000 | 9,014 |
| Total noninterest expense | $336,000 | 8,544 |
| Salaries and employee benefits | $217,000 | 8,344 |
| Premises and equipment expense | $26,000 | 8,793 |
| Additional noninterest expense | $93,000 | 8,550 |
| Pre-tax net operating income | $260,000 | 6,772 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $91,000 | 5,245 |
| Income before extraordinary items | $169,000 | 7,260 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $169,000 | 7,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $200,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $169,000 | 7,081 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $410,000 | 8,133 |
| Total interest expense | $116,000 | 8,228 |
| Net interest income | $294,000 | 7,963 |
| Provision for loan and lease losses | $9,000 | 6,152 |
| Total noninterest income | $16,000 | 8,775 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $14,000 | 7,374 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $168,000 | 8,579 |
| Salaries and employee benefits | $108,000 | 8,391 |
| Premises and equipment expense | $12,000 | 8,854 |
| Additional noninterest expense | $48,000 | 8,544 |
| Pre-tax net operating income | $133,000 | 6,710 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $46,000 | 5,224 |
| Income before extraordinary items | $87,000 | 7,137 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $87,000 | 7,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $87,000 | 6,985 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,778,000 | 8,092 |
| Total interest expense | $609,000 | 8,059 |
| Net interest income | $1,169,000 | 7,999 |
| Provision for loan and lease losses | $125,000 | 5,264 |
| Total noninterest income | $79,000 | 8,655 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $67,000 | 7,191 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $12,000 | 8,821 |
| Total noninterest expense | $648,000 | 8,658 |
| Salaries and employee benefits | $418,000 | 8,448 |
| Premises and equipment expense | $50,000 | 8,901 |
| Additional noninterest expense | $180,000 | 8,680 |
| Pre-tax net operating income | $475,000 | 6,867 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $168,000 | 5,356 |
| Income before extraordinary items | $307,000 | 7,293 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $307,000 | 7,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,992 |
| Cash dividends | $400,000 | 3,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $307,000 | 7,187 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,006,000 | 8,207 |
| Total interest expense | $826,000 | 8,377 |
| Net interest income | $1,180,000 | 7,926 |
| Provision for loan and lease losses | $40,000 | 6,926 |
| Total noninterest income | $92,000 | 8,625 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $65,000 | 7,289 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $27,000 | 8,456 |
| Total noninterest expense | $615,000 | 8,893 |
| Salaries and employee benefits | $401,000 | 8,619 |
| Premises and equipment expense | $42,000 | 9,264 |
| Additional noninterest expense | $172,000 | 8,892 |
| Pre-tax net operating income | $617,000 | 6,112 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $220,000 | 4,856 |
| Income before extraordinary items | $397,000 | 6,592 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $397,000 | 6,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,674 |
| Cash dividends | $400,000 | 3,838 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $397,000 | 6,463 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,044,000 | 8,363 |
| Total interest expense | $846,000 | 8,551 |
| Net interest income | $1,198,000 | 8,071 |
| Provision for loan and lease losses | $39,000 | 6,919 |
| Total noninterest income | $77,000 | 8,928 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 7,624 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 8,667 |
| Total noninterest expense | $596,000 | 9,102 |
| Salaries and employee benefits | $383,000 | 8,837 |
| Premises and equipment expense | $43,000 | 9,495 |
| Additional noninterest expense | $170,000 | 9,067 |
| Pre-tax net operating income | $640,000 | 6,442 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $225,000 | 5,176 |
| Income before extraordinary items | $415,000 | 6,762 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $415,000 | 6,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,122 |
| Cash dividends | $400,000 | 3,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $415,000 | 6,767 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,991,000 | 8,512 |
| Total interest expense | $847,000 | 8,570 |
| Net interest income | $1,144,000 | 8,309 |
| Provision for loan and lease losses | $53,000 | 6,446 |
| Total noninterest income | $86,000 | 9,039 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 7,812 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 8,625 |
| Total noninterest expense | $598,000 | 9,325 |
| Salaries and employee benefits | $369,000 | 9,067 |
| Premises and equipment expense | $53,000 | 9,580 |
| Additional noninterest expense | $176,000 | 9,268 |
| Pre-tax net operating income | $579,000 | 6,789 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $197,000 | 5,744 |
| Income before extraordinary items | $382,000 | 7,082 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $382,000 | 7,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,499 |
| Cash dividends | $400,000 | 3,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $382,000 | 7,055 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,073,000 | 8,596 |
| Total interest expense | $923,000 | 8,629 |
| Net interest income | $1,150,000 | 8,452 |
| Provision for loan and lease losses | $52,000 | 6,526 |
| Total noninterest income | $75,000 | 9,432 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 8,089 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 9,156 |
| Total noninterest expense | $611,000 | 9,388 |
| Salaries and employee benefits | $395,000 | 9,000 |
| Premises and equipment expense | $41,000 | 9,998 |
| Additional noninterest expense | $175,000 | 9,400 |
| Pre-tax net operating income | $562,000 | 7,103 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $174,000 | 6,522 |
| Income before extraordinary items | $388,000 | 7,293 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $388,000 | 7,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,667 |
| Cash dividends | $400,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $388,000 | 7,210 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,139,000 | 8,850 |
| Total interest expense | $943,000 | 8,844 |
| Net interest income | $1,196,000 | 8,687 |
| Provision for loan and lease losses | $48,000 | 6,747 |
| Total noninterest income | $69,000 | 9,962 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 8,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 9,645 |
| Total noninterest expense | $603,000 | 9,734 |
| Salaries and employee benefits | $393,000 | 9,302 |
| Premises and equipment expense | $43,000 | 10,363 |
| Additional noninterest expense | $167,000 | 9,809 |
| Pre-tax net operating income | $614,000 | 7,354 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $184,000 | 7,120 |
| Income before extraordinary items | $430,000 | 7,436 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $430,000 | 7,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,617 |
| Cash dividends | $400,000 | 3,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $430,000 | 7,392 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,115,000 | 9,231 |
| Total interest expense | $960,000 | 9,152 |
| Net interest income | $1,155,000 | 9,139 |
| Provision for loan and lease losses | $8,000 | 8,671 |
| Total noninterest income | $74,000 | 10,392 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 9,024 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 9,793 |
| Total noninterest expense | $585,000 | 10,225 |
| Salaries and employee benefits | $385,000 | 9,714 |
| Premises and equipment expense | $38,000 | 10,966 |
| Additional noninterest expense | $162,000 | 10,409 |
| Pre-tax net operating income | $636,000 | 7,253 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $207,000 | 7,036 |
| Income before extraordinary items | $429,000 | 7,386 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $429,000 | 7,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $400,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $429,000 | 7,334 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,174,000 | 9,458 |
| Total interest expense | $974,000 | 9,347 |
| Net interest income | $1,200,000 | 9,322 |
| Provision for loan and lease losses | $19,000 | 7,763 |
| Total noninterest income | $64,000 | 11,083 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 9,474 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 10,775 |
| Total noninterest expense | $600,000 | 10,567 |
| Salaries and employee benefits | $376,000 | 10,112 |
| Premises and equipment expense | $38,000 | 11,427 |
| Additional noninterest expense | $186,000 | 10,608 |
| Pre-tax net operating income | $645,000 | 7,618 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $225,000 | 7,020 |
| Income before extraordinary items | $420,000 | 7,885 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $420,000 | 7,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,320 |
| Cash dividends | $400,000 | 3,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $420,000 | 7,858 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,084,000 | 9,641 |
| Total interest expense | $788,000 | 9,659 |
| Net interest income | $1,296,000 | 9,471 |
| Provision for loan and lease losses | $25,000 | 7,401 |
| Total noninterest income | $61,000 | 11,700 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 10,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 11,366 |
| Total noninterest expense | $615,000 | 11,053 |
| Salaries and employee benefits | $365,000 | 10,598 |
| Premises and equipment expense | $41,000 | 11,957 |
| Additional noninterest expense | $209,000 | 11,024 |
| Pre-tax net operating income | $717,000 | 7,301 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $251,000 | 6,521 |
| Income before extraordinary items | $466,000 | 7,568 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $466,000 | 7,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,455 |
| Cash dividends | $400,000 | 3,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $466,000 | 7,613 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,272,000 | 9,628 |
| Total interest expense | $814,000 | 9,968 |
| Net interest income | $1,458,000 | 9,244 |
| Provision for loan and lease losses | $15,000 | 9,365 |
| Total noninterest income | $65,000 | 12,193 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 10,450 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 11,580 |
| Total noninterest expense | $628,000 | 11,495 |
| Salaries and employee benefits | $341,000 | 11,238 |
| Premises and equipment expense | $62,000 | 11,775 |
| Additional noninterest expense | $225,000 | 11,401 |
| Pre-tax net operating income | $880,000 | 6,421 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $283,000 | 6,296 |
| Income before extraordinary items | $597,000 | 6,801 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $597,000 | 6,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 9,155 |
| Cash dividends | $400,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $597,000 | 6,554 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,453,000 | 10,000 |
| Total interest expense | $1,133,000 | 9,852 |
| Net interest income | $1,320,000 | 9,905 |
| Provision for loan and lease losses | $18,000 | 10,694 |
| Total noninterest income | $57,000 | 12,940 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 10,838 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 12,470 |
| Total noninterest expense | $584,000 | 12,159 |
| Salaries and employee benefits | $320,000 | 11,788 |
| Premises and equipment expense | $61,000 | 12,225 |
| Additional noninterest expense | $203,000 | 12,197 |
| Pre-tax net operating income | $775,000 | 6,682 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $266,000 | 6,424 |
| Income before extraordinary items | $511,000 | 7,226 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $511,000 | 7,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 10,379 |
| Cash dividends | $275,000 | 4,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $509,680 | 6,875 |
* 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.