Home > Global Commerce Bank > Income and Expense
Global Commerce Bank, Income and Expense
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $5,375,000 | 4,367 |
| Total interest expense | $2,544,000 | 2,276 |
| Net interest income | $2,831,000 | 5,392 |
| Provision for loan and lease losses | $3,533,000 | 1,047 |
| Total noninterest income | $741,000 | 3,665 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $374,000 | 3,166 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $367,000 | 3,555 |
| Total noninterest expense | $8,347,000 | 2,274 |
| Salaries and employee benefits | $1,749,000 | 4,535 |
| Premises and equipment expense | $477,000 | 4,162 |
| Additional noninterest expense | $6,121,000 | 1,147 |
| Pre-tax net operating income | $-8,308,000 | 7,176 |
| Securities gains (losses) | $490,000 | 800 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-7,818,000 | 7,166 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-7,818,000 | 7,164 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-7,818,000 | 7,166 |
| Net charge-offs | $3,703,000 | 1,039 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-8,308,000 | 7,173 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,044,000 | 4,408 |
| Total interest expense | $1,931,000 | 2,346 |
| Net interest income | $2,113,000 | 5,438 |
| Provision for loan and lease losses | $3,047,000 | 922 |
| Total noninterest income | $514,000 | 3,834 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $270,000 | 3,234 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $244,000 | 3,789 |
| Total noninterest expense | $4,425,000 | 3,101 |
| Salaries and employee benefits | $1,287,000 | 4,594 |
| Premises and equipment expense | $367,000 | 4,137 |
| Additional noninterest expense | $2,771,000 | 1,835 |
| Pre-tax net operating income | $-4,845,000 | 7,225 |
| Securities gains (losses) | $341,000 | 845 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-4,504,000 | 7,229 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-4,504,000 | 7,228 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-4,504,000 | 7,229 |
| Net charge-offs | $3,496,000 | 839 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-4,845,000 | 7,236 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,618,000 | 4,538 |
| Total interest expense | $1,299,000 | 2,407 |
| Net interest income | $1,319,000 | 5,611 |
| Provision for loan and lease losses | $3,047,000 | 665 |
| Total noninterest income | $416,000 | 3,480 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $168,000 | 3,379 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $248,000 | 3,171 |
| Total noninterest expense | $2,238,000 | 3,871 |
| Salaries and employee benefits | $847,000 | 4,663 |
| Premises and equipment expense | $249,000 | 4,120 |
| Additional noninterest expense | $1,142,000 | 2,848 |
| Pre-tax net operating income | $-3,550,000 | 7,302 |
| Securities gains (losses) | $103,000 | 1,123 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-3,447,000 | 7,317 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-3,447,000 | 7,316 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-3,447,000 | 7,317 |
| Net charge-offs | $3,202,000 | 654 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-3,550,000 | 7,317 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,301,000 | 4,564 |
| Total interest expense | $654,000 | 2,466 |
| Net interest income | $647,000 | 5,665 |
| Provision for loan and lease losses | $3,047,000 | 363 |
| Total noninterest income | $170,000 | 3,911 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $73,000 | 3,613 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $97,000 | 3,622 |
| Total noninterest expense | $1,155,000 | 3,801 |
| Salaries and employee benefits | $418,000 | 4,742 |
| Premises and equipment expense | $138,000 | 3,919 |
| Additional noninterest expense | $599,000 | 2,723 |
| Pre-tax net operating income | $-3,385,000 | 7,474 |
| Securities gains (losses) | $1,000 | 1,662 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-3,384,000 | 7,472 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-3,384,000 | 7,472 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-3,384,000 | 7,472 |
| Net charge-offs | $2,082,000 | 533 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-3,385,000 | 7,475 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $6,920,000 | 3,934 |
| Total interest expense | $3,434,000 | 2,303 |
| Net interest income | $3,486,000 | 4,961 |
| Provision for loan and lease losses | $6,671,000 | 909 |
| Total noninterest income | $667,000 | 4,029 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $258,000 | 3,950 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $409,000 | 3,478 |
| Total noninterest expense | $5,636,000 | 3,262 |
| Salaries and employee benefits | $1,748,000 | 4,607 |
| Premises and equipment expense | $550,000 | 3,951 |
| Additional noninterest expense | $3,338,000 | 2,084 |
| Pre-tax net operating income | $-8,154,000 | 7,296 |
| Securities gains (losses) | $187,000 | 1,639 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-7,967,000 | 7,321 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-7,967,000 | 7,321 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-7,967,000 | 7,321 |
| Net charge-offs | $4,903,000 | 1,039 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-8,154,000 | 7,308 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,492,000 | 3,869 |
| Total interest expense | $2,659,000 | 2,328 |
| Net interest income | $2,833,000 | 4,808 |
| Provision for loan and lease losses | $8,638,000 | 565 |
| Total noninterest income | $342,000 | 4,804 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $179,000 | 4,154 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $163,000 | 4,529 |
| Total noninterest expense | $4,739,000 | 2,976 |
| Salaries and employee benefits | $1,332,000 | 4,604 |
| Premises and equipment expense | $419,000 | 3,973 |
| Additional noninterest expense | $2,988,000 | 1,788 |
| Pre-tax net operating income | $-10,202,000 | 7,559 |
| Securities gains (losses) | $52,000 | 2,384 |
| Applicable income taxes | $-1,331,000 | 7,546 |
| Income before extraordinary items | $-8,819,000 | 7,558 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-8,819,000 | 7,558 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-8,819,000 | 7,558 |
| Net charge-offs | $4,907,000 | 794 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-8,864,240 | 7,547 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,644,000 | 3,907 |
| Total interest expense | $1,830,000 | 2,346 |
| Net interest income | $1,814,000 | 4,924 |
| Provision for loan and lease losses | $3,259,000 | 895 |
| Total noninterest income | $194,000 | 5,073 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $116,000 | 4,206 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $78,000 | 5,012 |
| Total noninterest expense | $2,354,000 | 3,790 |
| Salaries and employee benefits | $877,000 | 4,663 |
| Premises and equipment expense | $280,000 | 3,996 |
| Additional noninterest expense | $1,197,000 | 2,726 |
| Pre-tax net operating income | $-3,605,000 | 7,450 |
| Securities gains (losses) | $49,000 | 1,900 |
| Applicable income taxes | $-1,422,000 | 7,652 |
| Income before extraordinary items | $-2,134,000 | 7,352 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,134,000 | 7,352 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-2,134,000 | 7,352 |
| Net charge-offs | $756,000 | 2,000 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-2,165,360 | 7,353 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,933,000 | 3,808 |
| Total interest expense | $938,000 | 2,406 |
| Net interest income | $995,000 | 4,700 |
| Provision for loan and lease losses | $693,000 | 1,489 |
| Total noninterest income | $114,000 | 4,808 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $62,000 | 4,062 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $52,000 | 4,626 |
| Total noninterest expense | $1,327,000 | 3,479 |
| Salaries and employee benefits | $438,000 | 4,729 |
| Premises and equipment expense | $145,000 | 3,969 |
| Additional noninterest expense | $744,000 | 2,275 |
| Pre-tax net operating income | $-911,000 | 7,387 |
| Securities gains (losses) | $44,000 | 1,204 |
| Applicable income taxes | $-347,000 | 7,657 |
| Income before extraordinary items | $-520,000 | 7,277 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-520,000 | 7,277 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-520,000 | 7,278 |
| Net charge-offs | $72,000 | 3,409 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-548,160 | 7,278 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $9,444,000 | 3,370 |
| Total interest expense | $4,575,000 | 2,450 |
| Net interest income | $4,869,000 | 4,020 |
| Provision for loan and lease losses | $5,494,000 | 1,328 |
| Total noninterest income | $408,000 | 5,087 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $274,000 | 4,052 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $134,000 | 5,252 |
| Total noninterest expense | $3,402,000 | 4,812 |
| Salaries and employee benefits | $1,737,000 | 4,761 |
| Premises and equipment expense | $880,000 | 2,874 |
| Additional noninterest expense | $785,000 | 5,862 |
| Pre-tax net operating income | $-3,619,000 | 6,995 |
| Securities gains (losses) | $362,000 | 1,082 |
| Applicable income taxes | $-1,204,000 | 7,350 |
| Income before extraordinary items | $-2,053,000 | 6,773 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,053,000 | 6,770 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,053,000 | 6,771 |
| Net charge-offs | $3,421,000 | 1,484 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $1,740,000 | 354 |
| Net operating income | $-2,284,680 | 6,825 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,105,000 | 3,410 |
| Total interest expense | $3,511,000 | 2,503 |
| Net interest income | $3,594,000 | 4,058 |
| Provision for loan and lease losses | $748,000 | 3,199 |
| Total noninterest income | $298,000 | 5,208 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $168,000 | 4,460 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $130,000 | 5,006 |
| Total noninterest expense | $2,448,000 | 4,941 |
| Salaries and employee benefits | $1,312,000 | 4,779 |
| Premises and equipment expense | $398,000 | 4,278 |
| Additional noninterest expense | $738,000 | 5,267 |
| Pre-tax net operating income | $696,000 | 3,343 |
| Securities gains (losses) | $139,000 | 1,569 |
| Applicable income taxes | $334,000 | 1,817 |
| Income before extraordinary items | $501,000 | 3,689 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $501,000 | 3,688 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $501,000 | 3,689 |
| Net charge-offs | $307,000 | 3,675 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $412,040 | 3,907 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,729,000 | 3,442 |
| Total interest expense | $2,292,000 | 2,649 |
| Net interest income | $2,437,000 | 4,003 |
| Provision for loan and lease losses | $423,000 | 3,191 |
| Total noninterest income | $196,000 | 5,256 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $112,000 | 4,425 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $84,000 | 5,093 |
| Total noninterest expense | $1,622,000 | 5,006 |
| Salaries and employee benefits | $881,000 | 4,806 |
| Premises and equipment expense | $263,000 | 4,316 |
| Additional noninterest expense | $478,000 | 5,364 |
| Pre-tax net operating income | $588,000 | 3,040 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $235,000 | 1,791 |
| Income before extraordinary items | $353,000 | 3,689 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $353,000 | 3,688 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $353,000 | 3,688 |
| Net charge-offs | $307,000 | 2,895 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $353,000 | 3,582 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,348,000 | 3,513 |
| Total interest expense | $1,113,000 | 2,807 |
| Net interest income | $1,235,000 | 3,976 |
| Provision for loan and lease losses | $264,000 | 2,500 |
| Total noninterest income | $101,000 | 5,194 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $59,000 | 4,277 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $42,000 | 5,129 |
| Total noninterest expense | $823,000 | 4,871 |
| Salaries and employee benefits | $457,000 | 4,752 |
| Premises and equipment expense | $128,000 | 4,454 |
| Additional noninterest expense | $238,000 | 5,087 |
| Pre-tax net operating income | $249,000 | 3,646 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $99,000 | 2,195 |
| Income before extraordinary items | $150,000 | 4,353 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $150,000 | 4,356 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $150,000 | 4,356 |
| Net charge-offs | $266,000 | 1,885 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $150,000 | 4,189 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $9,262,000 | 3,733 |
| Total interest expense | $4,330,000 | 3,309 |
| Net interest income | $4,932,000 | 3,980 |
| Provision for loan and lease losses | $477,000 | 3,882 |
| Total noninterest income | $443,000 | 5,090 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $225,000 | 4,565 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $218,000 | 4,700 |
| Total noninterest expense | $2,988,000 | 5,124 |
| Salaries and employee benefits | $1,724,000 | 4,921 |
| Premises and equipment expense | $490,000 | 4,520 |
| Additional noninterest expense | $774,000 | 5,564 |
| Pre-tax net operating income | $1,910,000 | 2,543 |
| Securities gains (losses) | $95,000 | 1,167 |
| Applicable income taxes | $802,000 | 1,395 |
| Income before extraordinary items | $1,203,000 | 2,913 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,203,000 | 2,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,923 |
| Cash dividends | $1,000 | 5,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,142,200 | 3,168 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,701,000 | 3,880 |
| Total interest expense | $3,183,000 | 3,475 |
| Net interest income | $3,518,000 | 4,147 |
| Provision for loan and lease losses | $120,000 | 4,934 |
| Total noninterest income | $342,000 | 5,124 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $160,000 | 4,700 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $182,000 | 4,610 |
| Total noninterest expense | $2,222,000 | 5,145 |
| Salaries and employee benefits | $1,259,000 | 5,018 |
| Premises and equipment expense | $584,000 | 3,268 |
| Additional noninterest expense | $379,000 | 6,601 |
| Pre-tax net operating income | $1,518,000 | 2,823 |
| Securities gains (losses) | $95,000 | 1,000 |
| Applicable income taxes | $645,000 | 1,613 |
| Income before extraordinary items | $968,000 | 3,173 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $968,000 | 3,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,039 |
| Cash dividends | $1,000 | 4,933 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $907,200 | 3,437 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,284,000 | 4,058 |
| Total interest expense | $2,076,000 | 3,651 |
| Net interest income | $2,208,000 | 4,304 |
| Provision for loan and lease losses | $145,000 | 3,718 |
| Total noninterest income | $225,000 | 5,205 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $109,000 | 4,678 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $116,000 | 4,793 |
| Total noninterest expense | $1,466,000 | 5,211 |
| Salaries and employee benefits | $829,000 | 5,108 |
| Premises and equipment expense | $390,000 | 3,278 |
| Additional noninterest expense | $247,000 | 6,674 |
| Pre-tax net operating income | $822,000 | 3,373 |
| Securities gains (losses) | $95,000 | 1,008 |
| Applicable income taxes | $367,000 | 1,969 |
| Income before extraordinary items | $550,000 | 3,826 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $550,000 | 3,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $489,200 | 4,014 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,148,000 | 4,128 |
| Total interest expense | $1,050,000 | 3,786 |
| Net interest income | $1,098,000 | 4,327 |
| Provision for loan and lease losses | $101,000 | 2,687 |
| Total noninterest income | $132,000 | 4,894 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $52,000 | 4,734 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $80,000 | 4,198 |
| Total noninterest expense | $743,000 | 5,166 |
| Salaries and employee benefits | $418,000 | 5,112 |
| Premises and equipment expense | $199,000 | 3,248 |
| Additional noninterest expense | $126,000 | 6,613 |
| Pre-tax net operating income | $386,000 | 3,616 |
| Securities gains (losses) | $11,000 | 1,937 |
| Applicable income taxes | $159,000 | 2,248 |
| Income before extraordinary items | $238,000 | 4,302 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $238,000 | 4,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $230,960 | 4,273 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,469,000 | 4,563 |
| Total interest expense | $3,635,000 | 4,248 |
| Net interest income | $3,834,000 | 4,758 |
| Provision for loan and lease losses | $152,000 | 4,294 |
| Total noninterest income | $417,000 | 5,413 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $221,000 | 4,701 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $196,000 | 5,103 |
| Total noninterest expense | $2,539,000 | 5,560 |
| Salaries and employee benefits | $1,420,000 | 5,472 |
| Premises and equipment expense | $589,000 | 3,890 |
| Additional noninterest expense | $530,000 | 6,439 |
| Pre-tax net operating income | $1,560,000 | 3,834 |
| Securities gains (losses) | $25,000 | 1,030 |
| Applicable income taxes | $507,000 | 2,722 |
| Income before extraordinary items | $1,078,000 | 4,153 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,078,000 | 4,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,061,000 | 4,172 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,392,000 | 4,690 |
| Total interest expense | $2,592,000 | 4,376 |
| Net interest income | $2,800,000 | 4,853 |
| Provision for loan and lease losses | $66,000 | 4,751 |
| Total noninterest income | $319,000 | 5,417 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $169,000 | 4,691 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $150,000 | 5,093 |
| Total noninterest expense | $1,788,000 | 5,721 |
| Salaries and employee benefits | $1,050,000 | 5,493 |
| Premises and equipment expense | $422,000 | 4,007 |
| Additional noninterest expense | $316,000 | 6,938 |
| Pre-tax net operating income | $1,265,000 | 3,832 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $408,000 | 2,783 |
| Income before extraordinary items | $857,000 | 4,211 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $857,000 | 4,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $857,000 | 4,195 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,471,000 | 4,788 |
| Total interest expense | $1,614,000 | 4,572 |
| Net interest income | $1,857,000 | 4,892 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $215,000 | 5,432 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $114,000 | 4,674 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $101,000 | 5,106 |
| Total noninterest expense | $1,156,000 | 5,834 |
| Salaries and employee benefits | $683,000 | 5,638 |
| Premises and equipment expense | $260,000 | 4,264 |
| Additional noninterest expense | $213,000 | 6,951 |
| Pre-tax net operating income | $916,000 | 3,723 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $324,000 | 2,641 |
| Income before extraordinary items | $592,000 | 4,188 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $592,000 | 4,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $592,000 | 4,178 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,679,000 | 4,889 |
| Total interest expense | $737,000 | 4,834 |
| Net interest income | $942,000 | 4,862 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $113,000 | 5,260 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $101,000 | 3,438 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $12,000 | 7,222 |
| Total noninterest expense | $582,000 | 5,840 |
| Salaries and employee benefits | $356,000 | 5,530 |
| Premises and equipment expense | $63,000 | 6,281 |
| Additional noninterest expense | $163,000 | 5,882 |
| Pre-tax net operating income | $473,000 | 3,651 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $189,000 | 2,475 |
| Income before extraordinary items | $284,000 | 4,305 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $284,000 | 4,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $284,000 | 4,283 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,881,000 | 4,616 |
| Total interest expense | $2,403,000 | 4,923 |
| Net interest income | $4,478,000 | 4,354 |
| Provision for loan and lease losses | $191,000 | 3,616 |
| Total noninterest income | $537,000 | 4,977 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $318,000 | 4,007 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $219,000 | 4,941 |
| Total noninterest expense | $2,149,000 | 5,947 |
| Salaries and employee benefits | $1,232,000 | 5,823 |
| Premises and equipment expense | $472,000 | 4,436 |
| Additional noninterest expense | $445,000 | 6,822 |
| Pre-tax net operating income | $2,675,000 | 2,993 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,060,000 | 2,109 |
| Income before extraordinary items | $1,615,000 | 3,606 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,615,000 | 3,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $284,000 | 1,747 |
| Cash dividends | $774,000 | 3,039 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,615,000 | 3,588 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,174,000 | 4,599 |
| Total interest expense | $1,687,000 | 5,022 |
| Net interest income | $3,487,000 | 4,262 |
| Provision for loan and lease losses | $165,000 | 3,241 |
| Total noninterest income | $412,000 | 4,950 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $239,000 | 4,023 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $173,000 | 4,845 |
| Total noninterest expense | $1,548,000 | 6,065 |
| Salaries and employee benefits | $851,000 | 6,052 |
| Premises and equipment expense | $365,000 | 4,351 |
| Additional noninterest expense | $332,000 | 6,862 |
| Pre-tax net operating income | $2,186,000 | 2,940 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $865,000 | 2,079 |
| Income before extraordinary items | $1,321,000 | 3,499 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,321,000 | 3,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 1,175 |
| Cash dividends | $774,000 | 2,297 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,321,000 | 3,484 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,432,000 | 4,570 |
| Total interest expense | $1,074,000 | 5,036 |
| Net interest income | $2,358,000 | 4,214 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $291,000 | 4,820 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $171,000 | 3,862 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $120,000 | 4,748 |
| Total noninterest expense | $988,000 | 6,203 |
| Salaries and employee benefits | $533,000 | 6,259 |
| Premises and equipment expense | $248,000 | 4,298 |
| Additional noninterest expense | $207,000 | 7,024 |
| Pre-tax net operating income | $1,661,000 | 2,670 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $656,000 | 1,933 |
| Income before extraordinary items | $1,005,000 | 3,194 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,005,000 | 3,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,182 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,005,000 | 3,188 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,674,000 | 4,593 |
| Total interest expense | $531,000 | 4,951 |
| Net interest income | $1,143,000 | 4,306 |
| Provision for loan and lease losses | $27,000 | 4,199 |
| Total noninterest income | $156,000 | 4,573 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $96,000 | 3,560 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $60,000 | 4,759 |
| Total noninterest expense | $477,000 | 6,318 |
| Salaries and employee benefits | $260,000 | 6,347 |
| Premises and equipment expense | $123,000 | 4,347 |
| Additional noninterest expense | $94,000 | 7,209 |
| Pre-tax net operating income | $795,000 | 2,719 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $309,000 | 1,981 |
| Income before extraordinary items | $486,000 | 3,238 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $486,000 | 3,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,059 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $486,000 | 3,215 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,526,000 | 4,365 |
| Total interest expense | $1,972,000 | 4,475 |
| Net interest income | $4,554,000 | 4,227 |
| Provision for loan and lease losses | $68,000 | 5,337 |
| Total noninterest income | $767,000 | 4,148 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $448,000 | 3,293 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $319,000 | 4,205 |
| Total noninterest expense | $2,107,000 | 5,935 |
| Salaries and employee benefits | $1,089,000 | 6,097 |
| Premises and equipment expense | $338,000 | 5,391 |
| Additional noninterest expense | $680,000 | 5,675 |
| Pre-tax net operating income | $3,146,000 | 2,654 |
| Securities gains (losses) | $-58,000 | 8,240 |
| Applicable income taxes | $1,235,000 | 1,959 |
| Income before extraordinary items | $1,853,000 | 3,284 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,853,000 | 3,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,900 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,890,120 | 3,204 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,813,000 | 4,378 |
| Total interest expense | $1,435,000 | 4,426 |
| Net interest income | $3,378,000 | 4,261 |
| Provision for loan and lease losses | $50,000 | 5,172 |
| Total noninterest income | $607,000 | 4,019 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $356,000 | 3,167 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $251,000 | 4,130 |
| Total noninterest expense | $1,567,000 | 5,917 |
| Salaries and employee benefits | $834,000 | 5,988 |
| Premises and equipment expense | $253,000 | 5,393 |
| Additional noninterest expense | $480,000 | 5,834 |
| Pre-tax net operating income | $2,368,000 | 2,684 |
| Securities gains (losses) | $-58,000 | 8,526 |
| Applicable income taxes | $924,000 | 1,991 |
| Income before extraordinary items | $1,386,000 | 3,331 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,386,000 | 3,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,062 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,423,120 | 3,229 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,138,000 | 4,366 |
| Total interest expense | $924,000 | 4,371 |
| Net interest income | $2,214,000 | 4,286 |
| Provision for loan and lease losses | $36,000 | 4,958 |
| Total noninterest income | $413,000 | 3,972 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $237,000 | 3,131 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $176,000 | 3,988 |
| Total noninterest expense | $1,036,000 | 5,942 |
| Salaries and employee benefits | $572,000 | 5,912 |
| Premises and equipment expense | $162,000 | 5,492 |
| Additional noninterest expense | $302,000 | 5,980 |
| Pre-tax net operating income | $1,555,000 | 2,684 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $622,000 | 1,949 |
| Income before extraordinary items | $933,000 | 3,261 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $933,000 | 3,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 2,311 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $933,000 | 3,214 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,534,000 | 4,409 |
| Total interest expense | $442,000 | 4,381 |
| Net interest income | $1,092,000 | 4,341 |
| Provision for loan and lease losses | $20,000 | 4,626 |
| Total noninterest income | $207,000 | 3,890 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $118,000 | 3,074 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $89,000 | 3,978 |
| Total noninterest expense | $522,000 | 5,957 |
| Salaries and employee benefits | $298,000 | 5,800 |
| Premises and equipment expense | $81,000 | 5,528 |
| Additional noninterest expense | $143,000 | 6,156 |
| Pre-tax net operating income | $757,000 | 2,682 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $303,000 | 1,965 |
| Income before extraordinary items | $454,000 | 3,284 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $454,000 | 3,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $454,000 | 3,244 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,193,000 | 4,717 |
| Total interest expense | $1,344,000 | 4,804 |
| Net interest income | $3,849,000 | 4,608 |
| Provision for loan and lease losses | $206,000 | 3,634 |
| Total noninterest income | $816,000 | 3,995 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $426,000 | 3,493 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $390,000 | 3,767 |
| Total noninterest expense | $2,043,000 | 5,935 |
| Salaries and employee benefits | $1,170,000 | 5,765 |
| Premises and equipment expense | $319,000 | 5,502 |
| Additional noninterest expense | $554,000 | 6,247 |
| Pre-tax net operating income | $2,416,000 | 3,085 |
| Securities gains (losses) | $10,000 | 2,824 |
| Applicable income taxes | $897,000 | 2,347 |
| Income before extraordinary items | $1,529,000 | 3,591 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,529,000 | 3,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,501 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,522,600 | 3,539 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,746,000 | 4,835 |
| Total interest expense | $944,000 | 4,952 |
| Net interest income | $2,802,000 | 4,702 |
| Provision for loan and lease losses | $126,000 | 3,901 |
| Total noninterest income | $593,000 | 4,115 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $320,000 | 3,504 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $273,000 | 3,906 |
| Total noninterest expense | $1,423,000 | 6,138 |
| Salaries and employee benefits | $781,000 | 6,096 |
| Premises and equipment expense | $232,000 | 5,560 |
| Additional noninterest expense | $410,000 | 6,238 |
| Pre-tax net operating income | $1,846,000 | 3,084 |
| Securities gains (losses) | $10,000 | 2,712 |
| Applicable income taxes | $742,000 | 2,222 |
| Income before extraordinary items | $1,114,000 | 3,733 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,114,000 | 3,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 2,698 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,107,600 | 3,677 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,436,000 | 4,927 |
| Total interest expense | $604,000 | 5,080 |
| Net interest income | $1,832,000 | 4,762 |
| Provision for loan and lease losses | $66,000 | 4,180 |
| Total noninterest income | $390,000 | 4,155 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $46,000 | 6,661 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $344,000 | 2,758 |
| Total noninterest expense | $951,000 | 6,175 |
| Salaries and employee benefits | $524,000 | 6,124 |
| Premises and equipment expense | $226,000 | 4,401 |
| Additional noninterest expense | $201,000 | 7,113 |
| Pre-tax net operating income | $1,205,000 | 3,102 |
| Securities gains (losses) | $10,000 | 2,414 |
| Applicable income taxes | $486,000 | 2,251 |
| Income before extraordinary items | $729,000 | 3,767 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $729,000 | 3,767 |
| 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 | $722,600 | 3,695 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,196,000 | 5,014 |
| Total interest expense | $293,000 | 5,233 |
| Net interest income | $903,000 | 4,818 |
| Provision for loan and lease losses | $22,000 | 4,718 |
| Total noninterest income | $217,000 | 3,867 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $217,000 | 2,343 |
| Total noninterest expense | $490,000 | 6,106 |
| Salaries and employee benefits | $275,000 | 6,009 |
| Premises and equipment expense | $53,000 | 6,646 |
| Additional noninterest expense | $162,000 | 5,766 |
| Pre-tax net operating income | $608,000 | 3,052 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $243,000 | 2,241 |
| Income before extraordinary items | $365,000 | 3,752 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $365,000 | 3,751 |
| 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 | $365,000 | 3,631 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,744,000 | 5,075 |
| Total interest expense | $1,345,000 | 5,225 |
| Net interest income | $3,399,000 | 4,896 |
| Provision for loan and lease losses | $116,000 | 5,097 |
| Total noninterest income | $887,000 | 3,982 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $578,000 | 2,777 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $309,000 | 4,447 |
| Total noninterest expense | $1,994,000 | 5,997 |
| Salaries and employee benefits | $1,081,000 | 5,992 |
| Premises and equipment expense | $218,000 | 6,561 |
| Additional noninterest expense | $695,000 | 5,522 |
| Pre-tax net operating income | $2,176,000 | 3,200 |
| Securities gains (losses) | $9,000 | 3,670 |
| Applicable income taxes | $867,000 | 2,391 |
| Income before extraordinary items | $1,318,000 | 3,876 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,318,000 | 3,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 4,070 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,312,240 | 3,723 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,589,000 | 5,106 |
| Total interest expense | $1,024,000 | 5,300 |
| Net interest income | $2,565,000 | 4,878 |
| Provision for loan and lease losses | $81,000 | 5,104 |
| Total noninterest income | $650,000 | 4,091 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $441,000 | 2,741 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $209,000 | 4,713 |
| Total noninterest expense | $1,413,000 | 6,146 |
| Salaries and employee benefits | $721,000 | 6,382 |
| Premises and equipment expense | $167,000 | 6,504 |
| Additional noninterest expense | $525,000 | 5,482 |
| Pre-tax net operating income | $1,721,000 | 3,188 |
| Securities gains (losses) | $9,000 | 3,379 |
| Applicable income taxes | $692,000 | 2,409 |
| Income before extraordinary items | $1,038,000 | 3,895 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,038,000 | 3,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,249 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,032,240 | 3,752 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,415,000 | 5,106 |
| Total interest expense | $686,000 | 5,412 |
| Net interest income | $1,729,000 | 4,841 |
| Provision for loan and lease losses | $81,000 | 4,279 |
| Total noninterest income | $458,000 | 3,940 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $298,000 | 2,665 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $160,000 | 4,459 |
| Total noninterest expense | $942,000 | 6,179 |
| Salaries and employee benefits | $469,000 | 6,480 |
| Premises and equipment expense | $118,000 | 6,318 |
| Additional noninterest expense | $355,000 | 5,427 |
| Pre-tax net operating income | $1,164,000 | 3,153 |
| Securities gains (losses) | $9,000 | 2,996 |
| Applicable income taxes | $471,000 | 2,406 |
| Income before extraordinary items | $702,000 | 3,854 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $702,000 | 3,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 2,518 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $696,240 | 3,693 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,138,000 | 5,315 |
| Total interest expense | $357,000 | 5,395 |
| Net interest income | $781,000 | 5,179 |
| Provision for loan and lease losses | $46,000 | 3,791 |
| Total noninterest income | $212,000 | 4,023 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $152,000 | 2,558 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $60,000 | 4,921 |
| Total noninterest expense | $448,000 | 6,351 |
| Salaries and employee benefits | $239,000 | 6,421 |
| Premises and equipment expense | $59,000 | 6,332 |
| Additional noninterest expense | $150,000 | 5,938 |
| Pre-tax net operating income | $499,000 | 3,499 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $202,000 | 2,679 |
| Income before extraordinary items | $297,000 | 4,271 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $297,000 | 4,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,410 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $297,000 | 4,081 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,936,000 | 5,220 |
| Total interest expense | $1,777,000 | 5,191 |
| Net interest income | $3,159,000 | 5,132 |
| Provision for loan and lease losses | $140,000 | 5,057 |
| Total noninterest income | $879,000 | 3,757 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $613,000 | 2,529 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $266,000 | 4,507 |
| Total noninterest expense | $2,191,000 | 5,547 |
| Salaries and employee benefits | $1,191,000 | 5,510 |
| Premises and equipment expense | $228,000 | 6,413 |
| Additional noninterest expense | $772,000 | 5,060 |
| Pre-tax net operating income | $1,707,000 | 3,781 |
| Securities gains (losses) | $40,000 | 2,603 |
| Applicable income taxes | $694,000 | 2,864 |
| Income before extraordinary items | $1,053,000 | 4,451 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,053,000 | 4,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,027,400 | 4,401 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,046,000 | 5,581 |
| Total interest expense | $2,508,000 | 5,388 |
| Net interest income | $2,538,000 | 5,668 |
| Provision for loan and lease losses | $91,000 | 5,765 |
| Total noninterest income | $713,000 | 4,145 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $462,000 | 3,031 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $251,000 | 4,486 |
| Total noninterest expense | $2,418,000 | 5,074 |
| Salaries and employee benefits | $1,286,000 | 5,070 |
| Premises and equipment expense | $210,000 | 6,654 |
| Additional noninterest expense | $922,000 | 4,326 |
| Pre-tax net operating income | $742,000 | 5,677 |
| Securities gains (losses) | $203,000 | 1,182 |
| Applicable income taxes | $229,000 | 4,759 |
| Income before extraordinary items | $716,000 | 5,172 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $716,000 | 5,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $-2,500,000 | 9,598 |
| Net operating income | $561,720 | 5,670 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,544,000 | 6,061 |
| Total interest expense | $1,815,000 | 6,570 |
| Net interest income | $2,729,000 | 5,495 |
| Provision for loan and lease losses | $63,000 | 6,132 |
| Total noninterest income | $877,000 | 3,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $484,000 | 2,770 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $393,000 | 3,389 |
| Total noninterest expense | $2,165,000 | 5,397 |
| Salaries and employee benefits | $1,239,000 | 5,084 |
| Premises and equipment expense | $433,000 | 4,251 |
| Additional noninterest expense | $493,000 | 6,475 |
| Pre-tax net operating income | $1,378,000 | 4,321 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $496,000 | 3,499 |
| Income before extraordinary items | $882,000 | 4,738 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $882,000 | 4,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $246,000 | 4,812 |
| Sale, conversion, retirement of capital stock, net | $199,000 | 643 |
| Net operating income | $882,000 | 4,745 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,320,000 | 7,024 |
| Total interest expense | $1,318,000 | 7,366 |
| Net interest income | $2,002,000 | 6,642 |
| Provision for loan and lease losses | $26,000 | 7,391 |
| Total noninterest income | $951,000 | 3,210 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $562,000 | 2,375 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $389,000 | 3,492 |
| Total noninterest expense | $1,805,000 | 6,074 |
| Salaries and employee benefits | $1,051,000 | 5,690 |
| Premises and equipment expense | $346,000 | 5,002 |
| Additional noninterest expense | $408,000 | 7,196 |
| Pre-tax net operating income | $1,122,000 | 4,974 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $391,000 | 4,231 |
| Income before extraordinary items | $731,000 | 5,344 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $734,000 | 5,326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,178 |
| Cash dividends | $164,000 | 5,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $731,000 | 5,315 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,904,000 | 7,634 |
| Total interest expense | $1,143,000 | 8,047 |
| Net interest income | $1,761,000 | 7,140 |
| Provision for loan and lease losses | $105,000 | 5,006 |
| Total noninterest income | $742,000 | 3,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $467,000 | 2,710 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $275,000 | 4,203 |
| Total noninterest expense | $1,633,000 | 6,356 |
| Salaries and employee benefits | $912,000 | 6,154 |
| Premises and equipment expense | $321,000 | 5,170 |
| Additional noninterest expense | $400,000 | 7,218 |
| Pre-tax net operating income | $765,000 | 6,231 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $255,000 | 5,605 |
| Income before extraordinary items | $510,000 | 6,555 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $510,000 | 6,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,916 |
| Cash dividends | $82,000 | 6,478 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $510,000 | 6,434 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,543,000 | 8,328 |
| Total interest expense | $956,000 | 8,815 |
| Net interest income | $1,587,000 | 7,808 |
| Provision for loan and lease losses | $94,000 | 5,314 |
| Total noninterest income | $497,000 | 5,017 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $248,000 | 4,688 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $249,000 | 4,374 |
| Total noninterest expense | $1,458,000 | 6,899 |
| Salaries and employee benefits | $815,000 | 6,704 |
| Premises and equipment expense | $324,000 | 5,177 |
| Additional noninterest expense | $319,000 | 8,128 |
| Pre-tax net operating income | $532,000 | 7,751 |
| Securities gains (losses) | $-9,000 | 9,978 |
| Applicable income taxes | $35,000 | 9,485 |
| Income before extraordinary items | $488,000 | 7,044 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $488,000 | 7,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,067 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $496,370 | 6,934 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,746,000 | 9,744 |
| Total interest expense | $616,000 | 10,232 |
| Net interest income | $1,130,000 | 9,210 |
| Provision for loan and lease losses | $150,000 | 4,046 |
| Total noninterest income | $323,000 | 6,687 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $169,000 | 6,138 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $154,000 | 5,900 |
| Total noninterest expense | $1,405,000 | 7,377 |
| Salaries and employee benefits | $789,000 | 7,034 |
| Premises and equipment expense | $292,000 | 5,694 |
| Additional noninterest expense | $324,000 | 8,626 |
| Pre-tax net operating income | $-102,000 | 10,959 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-102,000 | 11,003 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-102,000 | 11,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,815 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-102,000 | 10,956 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $277,000 | 11,890 |
| Total interest expense | $55,000 | 11,899 |
| Net interest income | $222,000 | 11,843 |
| Provision for loan and lease losses | $42,000 | 6,540 |
| Total noninterest income | $64,000 | 11,083 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $19,000 | 10,031 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 9,472 |
| Total noninterest expense | $495,000 | 11,039 |
| Salaries and employee benefits | $267,000 | 11,032 |
| Premises and equipment expense | $102,000 | 9,565 |
| Additional noninterest expense | $126,000 | 11,366 |
| Pre-tax net operating income | $-251,000 | 11,700 |
| Securities gains (losses) | $33,000 | 1,557 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-218,000 | 11,691 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-218,000 | 11,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $8,200,000 | 57 |
| Net operating income | $-251,000 | 11,696 |
* 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.