Home > Gotham Bank of New York > Income and Expense
Gotham Bank of New York, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $6,143,000 | 2,172 |
| Total interest expense | $1,845,000 | 1,318 |
| Net interest income | $4,298,000 | 2,532 |
| Provision for loan and lease losses | $-491,000 | 7,191 |
| Total noninterest income | $269,000 | 4,426 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $69,000 | 4,998 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $200,000 | 3,671 |
| Total noninterest expense | $3,164,000 | 2,929 |
| Salaries and employee benefits | $1,843,000 | 2,678 |
| Premises and equipment expense | $539,000 | 2,142 |
| Additional noninterest expense | $782,000 | 3,720 |
| Pre-tax net operating income | $1,894,000 | 1,761 |
| Securities gains (losses) | $1,693,000 | 159 |
| Applicable income taxes | $1,623,000 | 603 |
| Income before extraordinary items | $1,964,000 | 1,511 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,964,000 | 1,510 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,964,000 | 1,511 |
| Net charge-offs | $-146,000 | 7,134 |
| Cash dividends | $148,000 | 2,765 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 880 |
| Net operating income | $880,480 | 2,710 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,233,000 | 2,095 |
| Total interest expense | $919,000 | 1,373 |
| Net interest income | $2,314,000 | 2,366 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $97,000 | 4,977 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $37,000 | 4,857 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $60,000 | 4,442 |
| Total noninterest expense | $1,678,000 | 2,776 |
| Salaries and employee benefits | $940,000 | 2,638 |
| Premises and equipment expense | $279,000 | 2,096 |
| Additional noninterest expense | $459,000 | 3,300 |
| Pre-tax net operating income | $733,000 | 2,180 |
| Securities gains (losses) | $1,158,000 | 114 |
| Applicable income taxes | $856,000 | 573 |
| Income before extraordinary items | $1,035,000 | 1,410 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,035,000 | 1,411 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,035,000 | 1,411 |
| Net charge-offs | $-146,000 | 7,208 |
| Cash dividends | $148,000 | 1,832 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 805 |
| Net operating income | $293,880 | 3,524 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $14,070,000 | 1,992 |
| Total interest expense | $4,076,000 | 1,490 |
| Net interest income | $9,994,000 | 2,182 |
| Provision for loan and lease losses | $397,000 | 3,768 |
| Total noninterest income | $451,000 | 4,557 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $159,000 | 4,787 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $292,000 | 3,908 |
| Total noninterest expense | $7,298,000 | 2,571 |
| Salaries and employee benefits | $4,425,000 | 2,188 |
| Premises and equipment expense | $1,116,000 | 2,181 |
| Additional noninterest expense | $1,757,000 | 3,473 |
| Pre-tax net operating income | $2,750,000 | 1,982 |
| Securities gains (losses) | $4,488,000 | 113 |
| Applicable income taxes | $3,281,000 | 547 |
| Income before extraordinary items | $3,957,000 | 1,266 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,957,000 | 1,266 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $3,957,000 | 1,266 |
| Net charge-offs | $97,000 | 5,001 |
| Cash dividends | $769,000 | 1,930 |
| Sale, conversion, retirement of capital stock, net | $-120,000 | 7,304 |
| Net operating income | $1,084,680 | 3,292 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $10,578,000 | 2,011 |
| Total interest expense | $3,110,000 | 1,519 |
| Net interest income | $7,468,000 | 2,207 |
| Provision for loan and lease losses | $397,000 | 3,239 |
| Total noninterest income | $326,000 | 4,667 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $115,000 | 4,875 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $211,000 | 4,021 |
| Total noninterest expense | $5,510,000 | 2,562 |
| Salaries and employee benefits | $3,279,000 | 2,210 |
| Premises and equipment expense | $843,000 | 2,192 |
| Additional noninterest expense | $1,388,000 | 3,342 |
| Pre-tax net operating income | $1,887,000 | 2,178 |
| Securities gains (losses) | $2,747,000 | 146 |
| Applicable income taxes | $2,108,000 | 595 |
| Income before extraordinary items | $2,526,000 | 1,506 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,526,000 | 1,506 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,526,000 | 1,506 |
| Net charge-offs | $97,000 | 4,464 |
| Cash dividends | $622,000 | 1,583 |
| Sale, conversion, retirement of capital stock, net | $-97,000 | 7,388 |
| Net operating income | $767,920 | 3,481 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,907,000 | 2,057 |
| Total interest expense | $2,086,000 | 1,561 |
| Net interest income | $4,821,000 | 2,278 |
| Provision for loan and lease losses | $397,000 | 2,615 |
| Total noninterest income | $219,000 | 4,718 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $77,000 | 4,852 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $142,000 | 4,045 |
| Total noninterest expense | $3,620,000 | 2,606 |
| Salaries and employee benefits | $2,204,000 | 2,212 |
| Premises and equipment expense | $567,000 | 2,206 |
| Additional noninterest expense | $849,000 | 3,595 |
| Pre-tax net operating income | $1,023,000 | 2,495 |
| Securities gains (losses) | $679,000 | 272 |
| Applicable income taxes | $778,000 | 943 |
| Income before extraordinary items | $924,000 | 2,421 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $924,000 | 2,421 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $924,000 | 2,421 |
| Net charge-offs | $106,000 | 3,784 |
| Cash dividends | $503,000 | 1,391 |
| Sale, conversion, retirement of capital stock, net | $-107,000 | 7,475 |
| Net operating income | $489,440 | 3,533 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,296,000 | 2,176 |
| Total interest expense | $1,048,000 | 1,615 |
| Net interest income | $2,248,000 | 2,444 |
| Provision for loan and lease losses | $168,000 | 2,644 |
| Total noninterest income | $97,000 | 4,964 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $39,000 | 4,792 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $58,000 | 4,429 |
| Total noninterest expense | $1,785,000 | 2,663 |
| Salaries and employee benefits | $1,108,000 | 2,216 |
| Premises and equipment expense | $279,000 | 2,267 |
| Additional noninterest expense | $398,000 | 3,740 |
| Pre-tax net operating income | $392,000 | 3,016 |
| Securities gains (losses) | $408,000 | 193 |
| Applicable income taxes | $366,000 | 952 |
| Income before extraordinary items | $434,000 | 2,502 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $434,000 | 2,501 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $434,000 | 2,502 |
| Net charge-offs | $0 | 5,107 |
| Cash dividends | $386,000 | 954 |
| Sale, conversion, retirement of capital stock, net | $-116,000 | 7,551 |
| Net operating income | $172,880 | 4,173 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $12,696,000 | 2,365 |
| Total interest expense | $4,375,000 | 1,840 |
| Net interest income | $8,321,000 | 2,627 |
| Provision for loan and lease losses | $1,240,000 | 2,731 |
| Total noninterest income | $511,000 | 4,525 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $171,000 | 4,691 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $340,000 | 3,768 |
| Total noninterest expense | $6,787,000 | 2,796 |
| Salaries and employee benefits | $3,967,000 | 2,414 |
| Premises and equipment expense | $1,132,000 | 2,234 |
| Additional noninterest expense | $1,688,000 | 3,689 |
| Pre-tax net operating income | $805,000 | 3,719 |
| Securities gains (losses) | $2,473,000 | 217 |
| Applicable income taxes | $1,499,000 | 907 |
| Income before extraordinary items | $1,779,000 | 2,218 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,779,000 | 2,220 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,779,000 | 2,221 |
| Net charge-offs | $1,337,000 | 2,306 |
| Cash dividends | $658,000 | 2,008 |
| Sale, conversion, retirement of capital stock, net | $-188,000 | 7,608 |
| Net operating income | $196,280 | 5,158 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $9,521,000 | 2,423 |
| Total interest expense | $3,306,000 | 1,894 |
| Net interest income | $6,215,000 | 2,667 |
| Provision for loan and lease losses | $178,000 | 5,070 |
| Total noninterest income | $395,000 | 4,538 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $130,000 | 4,741 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $265,000 | 3,737 |
| Total noninterest expense | $5,007,000 | 2,834 |
| Salaries and employee benefits | $2,894,000 | 2,505 |
| Premises and equipment expense | $851,000 | 2,259 |
| Additional noninterest expense | $1,262,000 | 3,682 |
| Pre-tax net operating income | $1,425,000 | 2,472 |
| Securities gains (losses) | $2,059,000 | 209 |
| Applicable income taxes | $1,588,000 | 713 |
| Income before extraordinary items | $1,896,000 | 1,738 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,896,000 | 1,741 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,896,000 | 1,741 |
| Net charge-offs | $-1,000 | 7,212 |
| Cash dividends | $539,000 | 1,681 |
| Sale, conversion, retirement of capital stock, net | $-52,000 | 7,696 |
| Net operating income | $578,240 | 3,700 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,385,000 | 2,431 |
| Total interest expense | $2,186,000 | 1,988 |
| Net interest income | $4,199,000 | 2,643 |
| Provision for loan and lease losses | $12,000 | 6,560 |
| Total noninterest income | $276,000 | 4,437 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $82,000 | 4,831 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $194,000 | 3,550 |
| Total noninterest expense | $3,357,000 | 2,827 |
| Salaries and employee benefits | $1,931,000 | 2,522 |
| Premises and equipment expense | $573,000 | 2,254 |
| Additional noninterest expense | $853,000 | 3,630 |
| Pre-tax net operating income | $1,106,000 | 2,187 |
| Securities gains (losses) | $1,338,000 | 199 |
| Applicable income taxes | $1,113,000 | 658 |
| Income before extraordinary items | $1,331,000 | 1,646 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,331,000 | 1,645 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,331,000 | 1,646 |
| Net charge-offs | $-1,000 | 7,109 |
| Cash dividends | $419,000 | 1,523 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 871 |
| Net operating income | $474,680 | 3,397 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,208,000 | 2,483 |
| Total interest expense | $1,058,000 | 2,154 |
| Net interest income | $2,150,000 | 2,610 |
| Provision for loan and lease losses | $4,000 | 6,414 |
| Total noninterest income | $151,000 | 4,270 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $43,000 | 4,750 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $108,000 | 3,363 |
| Total noninterest expense | $1,706,000 | 2,824 |
| Salaries and employee benefits | $967,000 | 2,544 |
| Premises and equipment expense | $293,000 | 2,250 |
| Additional noninterest expense | $446,000 | 3,484 |
| Pre-tax net operating income | $591,000 | 2,124 |
| Securities gains (losses) | $620,000 | 208 |
| Applicable income taxes | $552,000 | 658 |
| Income before extraordinary items | $659,000 | 1,658 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $659,000 | 1,659 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $659,000 | 1,660 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $299,000 | 1,102 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 825 |
| Net operating income | $262,200 | 3,273 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $13,718,000 | 2,438 |
| Total interest expense | $5,404,000 | 2,109 |
| Net interest income | $8,314,000 | 2,628 |
| Provision for loan and lease losses | $2,260,000 | 2,319 |
| Total noninterest income | $496,000 | 4,744 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $225,000 | 4,428 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $271,000 | 4,142 |
| Total noninterest expense | $7,067,000 | 2,776 |
| Salaries and employee benefits | $3,923,000 | 2,495 |
| Premises and equipment expense | $1,231,000 | 2,167 |
| Additional noninterest expense | $1,913,000 | 3,434 |
| Pre-tax net operating income | $-517,000 | 5,994 |
| Securities gains (losses) | $3,456,000 | 179 |
| Applicable income taxes | $1,347,000 | 766 |
| Income before extraordinary items | $1,592,000 | 2,013 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,592,000 | 2,010 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,592,000 | 2,012 |
| Net charge-offs | $2,416,000 | 1,830 |
| Cash dividends | $749,000 | 2,050 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 1,095 |
| Net operating income | $-619,840 | 6,145 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,348,000 | 2,456 |
| Total interest expense | $4,217,000 | 2,116 |
| Net interest income | $6,131,000 | 2,679 |
| Provision for loan and lease losses | $716,000 | 3,245 |
| Total noninterest income | $390,000 | 4,734 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $182,000 | 4,294 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $208,000 | 4,227 |
| Total noninterest expense | $5,615,000 | 2,635 |
| Salaries and employee benefits | $3,088,000 | 2,416 |
| Premises and equipment expense | $917,000 | 2,204 |
| Additional noninterest expense | $1,610,000 | 3,105 |
| Pre-tax net operating income | $190,000 | 4,962 |
| Securities gains (losses) | $2,740,000 | 173 |
| Applicable income taxes | $1,338,000 | 664 |
| Income before extraordinary items | $1,592,000 | 1,681 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,592,000 | 1,680 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,592,000 | 1,681 |
| Net charge-offs | $42,000 | 5,803 |
| Cash dividends | $629,000 | 1,738 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 1,018 |
| Net operating income | $-161,600 | 6,044 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,785,000 | 2,533 |
| Total interest expense | $2,930,000 | 2,139 |
| Net interest income | $3,855,000 | 2,816 |
| Provision for loan and lease losses | $11,000 | 6,892 |
| Total noninterest income | $277,000 | 4,590 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $131,000 | 4,139 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $146,000 | 4,171 |
| Total noninterest expense | $3,736,000 | 2,671 |
| Salaries and employee benefits | $2,060,000 | 2,454 |
| Premises and equipment expense | $620,000 | 2,203 |
| Additional noninterest expense | $1,056,000 | 3,162 |
| Pre-tax net operating income | $385,000 | 3,749 |
| Securities gains (losses) | $1,976,000 | 173 |
| Applicable income taxes | $1,067,000 | 579 |
| Income before extraordinary items | $1,294,000 | 1,448 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,294,000 | 1,446 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,294,000 | 1,447 |
| Net charge-offs | $42,000 | 5,063 |
| Cash dividends | $509,000 | 1,599 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 985 |
| Net operating income | $29,360 | 5,630 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,458,000 | 2,513 |
| Total interest expense | $1,521,000 | 2,141 |
| Net interest income | $1,937,000 | 2,785 |
| Provision for loan and lease losses | $-17,000 | 8,196 |
| Total noninterest income | $129,000 | 4,734 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $75,000 | 3,827 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $54,000 | 4,691 |
| Total noninterest expense | $1,867,000 | 2,575 |
| Salaries and employee benefits | $1,039,000 | 2,464 |
| Premises and equipment expense | $313,000 | 2,224 |
| Additional noninterest expense | $515,000 | 2,940 |
| Pre-tax net operating income | $216,000 | 3,914 |
| Securities gains (losses) | $1,352,000 | 153 |
| Applicable income taxes | $709,000 | 465 |
| Income before extraordinary items | $859,000 | 1,280 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $859,000 | 1,280 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $859,000 | 1,281 |
| Net charge-offs | $42,000 | 3,719 |
| Cash dividends | $389,000 | 1,138 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 881 |
| Net operating income | $-6,280 | 6,300 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $13,916,000 | 2,653 |
| Total interest expense | $5,712,000 | 2,632 |
| Net interest income | $8,204,000 | 2,644 |
| Provision for loan and lease losses | $301,000 | 4,609 |
| Total noninterest income | $538,000 | 4,686 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $220,000 | 4,613 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $318,000 | 4,003 |
| Total noninterest expense | $6,427,000 | 2,888 |
| Salaries and employee benefits | $3,993,000 | 2,513 |
| Premises and equipment expense | $1,211,000 | 2,222 |
| Additional noninterest expense | $1,223,000 | 4,236 |
| Pre-tax net operating income | $2,014,000 | 2,441 |
| Securities gains (losses) | $556,000 | 344 |
| Applicable income taxes | $1,149,000 | 1,072 |
| Income before extraordinary items | $1,421,000 | 2,611 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,421,000 | 2,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,922 |
| Cash dividends | $837,000 | 2,587 |
| Sale, conversion, retirement of capital stock, net | $-373,000 | 8,259 |
| Net operating income | $1,065,160 | 3,313 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $10,393,000 | 2,719 |
| Total interest expense | $4,309,000 | 2,715 |
| Net interest income | $6,084,000 | 2,691 |
| Provision for loan and lease losses | $337,000 | 3,358 |
| Total noninterest income | $416,000 | 4,732 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $165,000 | 4,642 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $251,000 | 4,021 |
| Total noninterest expense | $4,784,000 | 2,883 |
| Salaries and employee benefits | $3,066,000 | 2,492 |
| Premises and equipment expense | $823,000 | 2,428 |
| Additional noninterest expense | $895,000 | 4,226 |
| Pre-tax net operating income | $1,379,000 | 3,020 |
| Securities gains (losses) | $354,000 | 412 |
| Applicable income taxes | $770,000 | 1,410 |
| Income before extraordinary items | $963,000 | 3,181 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $963,000 | 3,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,512 |
| Cash dividends | $717,000 | 2,248 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 1,042 |
| Net operating income | $736,440 | 3,863 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,786,000 | 2,806 |
| Total interest expense | $2,881,000 | 2,807 |
| Net interest income | $3,905,000 | 2,773 |
| Provision for loan and lease losses | $199,000 | 3,180 |
| Total noninterest income | $278,000 | 4,787 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $107,000 | 4,719 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $171,000 | 4,080 |
| Total noninterest expense | $3,143,000 | 2,934 |
| Salaries and employee benefits | $2,074,000 | 2,488 |
| Premises and equipment expense | $513,000 | 2,586 |
| Additional noninterest expense | $556,000 | 4,412 |
| Pre-tax net operating income | $841,000 | 3,326 |
| Securities gains (losses) | $228,000 | 563 |
| Applicable income taxes | $473,000 | 1,667 |
| Income before extraordinary items | $596,000 | 3,661 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $596,000 | 3,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,297 |
| Cash dividends | $595,000 | 2,078 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 959 |
| Net operating income | $450,080 | 4,173 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,420,000 | 2,859 |
| Total interest expense | $1,589,000 | 2,731 |
| Net interest income | $1,831,000 | 2,932 |
| Provision for loan and lease losses | $144,000 | 2,238 |
| Total noninterest income | $126,000 | 4,977 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $40,000 | 5,234 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $86,000 | 4,060 |
| Total noninterest expense | $1,651,000 | 2,800 |
| Salaries and employee benefits | $1,042,000 | 2,495 |
| Premises and equipment expense | $317,000 | 2,151 |
| Additional noninterest expense | $292,000 | 4,204 |
| Pre-tax net operating income | $162,000 | 5,334 |
| Securities gains (losses) | $228,000 | 410 |
| Applicable income taxes | $170,000 | 2,168 |
| Income before extraordinary items | $220,000 | 4,472 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $220,000 | 4,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $473,000 | 1,429 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 822 |
| Net operating income | $74,080 | 6,126 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,680,000 | 2,737 |
| Total interest expense | $6,251,000 | 2,911 |
| Net interest income | $8,429,000 | 2,601 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $499,000 | 5,034 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $222,000 | 4,695 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $277,000 | 4,396 |
| Total noninterest expense | $5,557,000 | 3,164 |
| Salaries and employee benefits | $3,868,000 | 2,561 |
| Premises and equipment expense | $963,000 | 2,655 |
| Additional noninterest expense | $726,000 | 5,644 |
| Pre-tax net operating income | $3,371,000 | 2,256 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,503,000 | 1,421 |
| Income before extraordinary items | $1,868,000 | 2,972 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,868,000 | 2,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,621 |
| Cash dividends | $870,000 | 2,859 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 1,129 |
| Net operating income | $1,868,000 | 2,966 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,794,000 | 2,794 |
| Total interest expense | $4,347,000 | 3,095 |
| Net interest income | $6,447,000 | 2,575 |
| Provision for loan and lease losses | $-16,000 | 8,320 |
| Total noninterest income | $379,000 | 5,035 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $172,000 | 4,660 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $207,000 | 4,425 |
| Total noninterest expense | $3,975,000 | 3,261 |
| Salaries and employee benefits | $2,732,000 | 2,698 |
| Premises and equipment expense | $728,000 | 2,627 |
| Additional noninterest expense | $515,000 | 5,732 |
| Pre-tax net operating income | $2,867,000 | 2,191 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,273,000 | 1,382 |
| Income before extraordinary items | $1,594,000 | 2,842 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,594,000 | 2,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,838 |
| Cash dividends | $747,000 | 2,408 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,594,000 | 2,829 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,923,000 | 2,906 |
| Total interest expense | $2,646,000 | 3,294 |
| Net interest income | $4,277,000 | 2,613 |
| Provision for loan and lease losses | $204,000 | 2,137 |
| Total noninterest income | $258,000 | 5,012 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $119,000 | 4,598 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $139,000 | 4,467 |
| Total noninterest expense | $2,572,000 | 3,373 |
| Salaries and employee benefits | $1,788,000 | 2,775 |
| Premises and equipment expense | $466,000 | 2,728 |
| Additional noninterest expense | $318,000 | 5,962 |
| Pre-tax net operating income | $1,759,000 | 2,378 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $780,000 | 1,513 |
| Income before extraordinary items | $979,000 | 3,084 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $979,000 | 3,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,767 |
| Cash dividends | $625,000 | 2,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $979,000 | 3,064 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,207,000 | 3,089 |
| Total interest expense | $1,089,000 | 3,784 |
| Net interest income | $2,118,000 | 2,626 |
| Provision for loan and lease losses | $-54,000 | 8,519 |
| Total noninterest income | $127,000 | 4,998 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $61,000 | 4,494 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $66,000 | 4,572 |
| Total noninterest expense | $1,178,000 | 3,624 |
| Salaries and employee benefits | $902,000 | 2,785 |
| Premises and equipment expense | $147,000 | 3,913 |
| Additional noninterest expense | $129,000 | 6,505 |
| Pre-tax net operating income | $1,121,000 | 1,977 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $478,000 | 1,326 |
| Income before extraordinary items | $643,000 | 2,496 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $643,000 | 2,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,465 |
| Cash dividends | $503,000 | 1,371 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $643,000 | 2,468 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,367,000 | 2,814 |
| Total interest expense | $3,849,000 | 3,685 |
| Net interest income | $9,518,000 | 2,391 |
| Provision for loan and lease losses | $-374,000 | 8,581 |
| Total noninterest income | $460,000 | 5,318 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $208,000 | 4,900 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $252,000 | 4,633 |
| Total noninterest expense | $5,439,000 | 3,118 |
| Salaries and employee benefits | $3,467,000 | 2,748 |
| Premises and equipment expense | $673,000 | 3,434 |
| Additional noninterest expense | $1,299,000 | 3,709 |
| Pre-tax net operating income | $4,913,000 | 1,916 |
| Securities gains (losses) | $-1,000 | 6,756 |
| Applicable income taxes | $2,223,000 | 1,229 |
| Income before extraordinary items | $2,689,000 | 2,468 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,689,000 | 2,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,019 |
| Cash dividends | $764,000 | 3,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,689,640 | 2,451 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,170,000 | 2,754 |
| Total interest expense | $2,853,000 | 3,625 |
| Net interest income | $7,317,000 | 2,364 |
| Provision for loan and lease losses | $-378,000 | 8,651 |
| Total noninterest income | $349,000 | 5,300 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $158,000 | 4,926 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $191,000 | 4,625 |
| Total noninterest expense | $3,996,000 | 3,174 |
| Salaries and employee benefits | $2,511,000 | 2,841 |
| Premises and equipment expense | $614,000 | 2,942 |
| Additional noninterest expense | $871,000 | 4,013 |
| Pre-tax net operating income | $4,048,000 | 1,821 |
| Securities gains (losses) | $-1,000 | 7,100 |
| Applicable income taxes | $1,861,000 | 1,155 |
| Income before extraordinary items | $2,186,000 | 2,403 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,186,000 | 2,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,924 |
| Cash dividends | $648,000 | 2,555 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,186,640 | 2,392 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,753,000 | 2,726 |
| Total interest expense | $1,834,000 | 3,616 |
| Net interest income | $4,919,000 | 2,353 |
| Provision for loan and lease losses | $-116,000 | 8,646 |
| Total noninterest income | $227,000 | 5,353 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $101,000 | 4,997 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $126,000 | 4,648 |
| Total noninterest expense | $2,671,000 | 3,166 |
| Salaries and employee benefits | $1,656,000 | 2,867 |
| Premises and equipment expense | $410,000 | 2,940 |
| Additional noninterest expense | $605,000 | 3,894 |
| Pre-tax net operating income | $2,591,000 | 1,895 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,180,000 | 1,218 |
| Income before extraordinary items | $1,411,000 | 2,457 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,411,000 | 2,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,908 |
| Cash dividends | $534,000 | 2,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,411,000 | 2,441 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,373,000 | 2,684 |
| Total interest expense | $927,000 | 3,451 |
| Net interest income | $2,446,000 | 2,369 |
| Provision for loan and lease losses | $-217,000 | 8,711 |
| Total noninterest income | $113,000 | 5,345 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $49,000 | 5,002 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $64,000 | 4,593 |
| Total noninterest expense | $1,293,000 | 3,280 |
| Salaries and employee benefits | $818,000 | 2,913 |
| Premises and equipment expense | $187,000 | 3,172 |
| Additional noninterest expense | $288,000 | 4,029 |
| Pre-tax net operating income | $1,483,000 | 1,641 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $561,000 | 1,264 |
| Income before extraordinary items | $922,000 | 1,931 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $922,000 | 1,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $420,000 | 1,552 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $922,000 | 1,909 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,132,000 | 2,877 |
| Total interest expense | $2,045,000 | 4,366 |
| Net interest income | $9,087,000 | 2,417 |
| Provision for loan and lease losses | $48,000 | 5,807 |
| Total noninterest income | $475,000 | 5,356 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $216,000 | 4,877 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $259,000 | 4,657 |
| Total noninterest expense | $4,448,000 | 3,568 |
| Salaries and employee benefits | $3,140,000 | 2,854 |
| Premises and equipment expense | $773,000 | 2,984 |
| Additional noninterest expense | $535,000 | 6,381 |
| Pre-tax net operating income | $5,066,000 | 1,843 |
| Securities gains (losses) | $-29,000 | 7,991 |
| Applicable income taxes | $2,287,000 | 1,220 |
| Income before extraordinary items | $2,750,000 | 2,417 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,750,000 | 2,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,251 |
| Cash dividends | $763,000 | 2,917 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,768,560 | 2,369 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,882,000 | 2,969 |
| Total interest expense | $1,247,000 | 4,837 |
| Net interest income | $6,635,000 | 2,453 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $367,000 | 5,310 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $174,000 | 4,764 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $193,000 | 4,673 |
| Total noninterest expense | $3,196,000 | 3,658 |
| Salaries and employee benefits | $2,346,000 | 2,824 |
| Premises and equipment expense | $610,000 | 2,844 |
| Additional noninterest expense | $240,000 | 7,516 |
| Pre-tax net operating income | $3,806,000 | 1,839 |
| Securities gains (losses) | $-39,000 | 8,399 |
| Applicable income taxes | $1,706,000 | 1,241 |
| Income before extraordinary items | $2,061,000 | 2,426 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,061,000 | 2,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,155 |
| Cash dividends | $649,000 | 2,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,085,960 | 2,382 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,993,000 | 3,038 |
| Total interest expense | $715,000 | 5,078 |
| Net interest income | $4,278,000 | 2,502 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $248,000 | 5,232 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $118,000 | 4,686 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $130,000 | 4,617 |
| Total noninterest expense | $1,961,000 | 3,868 |
| Salaries and employee benefits | $1,540,000 | 2,856 |
| Premises and equipment expense | $384,000 | 2,960 |
| Additional noninterest expense | $37,000 | 8,775 |
| Pre-tax net operating income | $2,565,000 | 1,798 |
| Securities gains (losses) | $-39,000 | 8,535 |
| Applicable income taxes | $1,234,000 | 1,132 |
| Income before extraordinary items | $1,292,000 | 2,501 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,292,000 | 2,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,091 |
| Cash dividends | $534,000 | 2,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,316,960 | 2,429 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,292,000 | 3,234 |
| Total interest expense | $314,000 | 5,349 |
| Net interest income | $1,978,000 | 2,670 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $113,000 | 5,424 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $52,000 | 4,904 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $61,000 | 4,744 |
| Total noninterest expense | $764,000 | 4,690 |
| Salaries and employee benefits | $764,000 | 2,880 |
| Premises and equipment expense | $159,000 | 3,485 |
| Additional noninterest expense | $-159,000 | 8,943 |
| Pre-tax net operating income | $1,327,000 | 1,721 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $625,000 | 1,104 |
| Income before extraordinary items | $702,000 | 2,328 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $702,000 | 2,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,481 |
| Cash dividends | $420,000 | 1,406 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $702,000 | 2,284 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,065,000 | 3,774 |
| Total interest expense | $750,000 | 6,419 |
| Net interest income | $6,315,000 | 3,155 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $476,000 | 5,397 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $172,000 | 5,525 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $304,000 | 4,238 |
| Total noninterest expense | $4,302,000 | 3,532 |
| Salaries and employee benefits | $2,858,000 | 2,965 |
| Premises and equipment expense | $786,000 | 2,829 |
| Additional noninterest expense | $658,000 | 5,722 |
| Pre-tax net operating income | $2,489,000 | 3,024 |
| Securities gains (losses) | $152,000 | 979 |
| Applicable income taxes | $1,159,000 | 1,950 |
| Income before extraordinary items | $1,482,000 | 3,670 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,482,000 | 3,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-66,000 | 8,727 |
| Cash dividends | $748,000 | 2,858 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,384,720 | 3,773 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,897,000 | 3,993 |
| Total interest expense | $484,000 | 6,779 |
| Net interest income | $4,413,000 | 3,324 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $367,000 | 5,342 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $135,000 | 5,483 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $232,000 | 4,208 |
| Total noninterest expense | $3,084,000 | 3,629 |
| Salaries and employee benefits | $2,138,000 | 2,953 |
| Premises and equipment expense | $456,000 | 3,510 |
| Additional noninterest expense | $490,000 | 5,692 |
| Pre-tax net operating income | $1,696,000 | 3,299 |
| Securities gains (losses) | $79,000 | 1,334 |
| Applicable income taxes | $792,000 | 2,115 |
| Income before extraordinary items | $983,000 | 4,047 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $983,000 | 4,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,509 |
| Cash dividends | $633,000 | 2,330 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $932,440 | 4,108 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,122,000 | 4,121 |
| Total interest expense | $290,000 | 7,056 |
| Net interest income | $2,832,000 | 3,425 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $260,000 | 5,185 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $96,000 | 5,356 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $164,000 | 4,138 |
| Total noninterest expense | $2,032,000 | 3,685 |
| Salaries and employee benefits | $1,419,000 | 2,978 |
| Premises and equipment expense | $294,000 | 3,614 |
| Additional noninterest expense | $319,000 | 5,789 |
| Pre-tax net operating income | $1,060,000 | 3,404 |
| Securities gains (losses) | $99,000 | 1,032 |
| Applicable income taxes | $540,000 | 2,076 |
| Income before extraordinary items | $619,000 | 4,167 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $619,000 | 4,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-59,000 | 8,775 |
| Cash dividends | $519,000 | 2,078 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $555,640 | 4,366 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,557,000 | 4,156 |
| Total interest expense | $143,000 | 7,141 |
| Net interest income | $1,414,000 | 3,414 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $132,000 | 5,090 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $53,000 | 5,065 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $79,000 | 4,203 |
| Total noninterest expense | $1,054,000 | 3,609 |
| Salaries and employee benefits | $756,000 | 2,830 |
| Premises and equipment expense | $125,000 | 4,106 |
| Additional noninterest expense | $173,000 | 5,550 |
| Pre-tax net operating income | $492,000 | 3,568 |
| Securities gains (losses) | $50,000 | 1,193 |
| Applicable income taxes | $241,000 | 2,253 |
| Income before extraordinary items | $301,000 | 4,254 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $301,000 | 4,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,673 |
| Cash dividends | $404,000 | 1,425 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $269,000 | 4,430 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,394,000 | 4,108 |
| Total interest expense | $716,000 | 6,984 |
| Net interest income | $5,678,000 | 3,333 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $477,000 | 5,554 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $164,000 | 5,700 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $313,000 | 4,422 |
| Total noninterest expense | $4,399,000 | 3,413 |
| Salaries and employee benefits | $2,897,000 | 2,850 |
| Premises and equipment expense | $613,000 | 3,453 |
| Additional noninterest expense | $889,000 | 4,674 |
| Pre-tax net operating income | $1,756,000 | 3,700 |
| Securities gains (losses) | $1,219,000 | 410 |
| Applicable income taxes | $1,312,000 | 1,814 |
| Income before extraordinary items | $1,663,000 | 3,296 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,663,000 | 3,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,740 |
| Cash dividends | $763,000 | 2,789 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $882,840 | 4,818 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,856,000 | 4,106 |
| Total interest expense | $560,000 | 7,027 |
| Net interest income | $4,296,000 | 3,327 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $362,000 | 5,571 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $121,000 | 5,773 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $241,000 | 4,448 |
| Total noninterest expense | $3,184,000 | 3,516 |
| Salaries and employee benefits | $2,220,000 | 2,811 |
| Premises and equipment expense | $419,000 | 3,722 |
| Additional noninterest expense | $545,000 | 5,355 |
| Pre-tax net operating income | $1,474,000 | 3,550 |
| Securities gains (losses) | $1,219,000 | 388 |
| Applicable income taxes | $1,212,000 | 1,600 |
| Income before extraordinary items | $1,481,000 | 2,993 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,481,000 | 2,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-53,000 | 8,966 |
| Cash dividends | $648,000 | 2,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $700,840 | 4,805 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,317,000 | 4,085 |
| Total interest expense | $394,000 | 7,009 |
| Net interest income | $2,923,000 | 3,270 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $248,000 | 5,484 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $78,000 | 5,817 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $170,000 | 4,337 |
| Total noninterest expense | $2,105,000 | 3,535 |
| Salaries and employee benefits | $1,476,000 | 2,821 |
| Premises and equipment expense | $268,000 | 3,827 |
| Additional noninterest expense | $361,000 | 5,364 |
| Pre-tax net operating income | $1,066,000 | 3,366 |
| Securities gains (losses) | $1,209,000 | 321 |
| Applicable income taxes | $1,032,000 | 1,335 |
| Income before extraordinary items | $1,243,000 | 2,496 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,243,000 | 2,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 9,000 |
| Cash dividends | $534,000 | 2,053 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $469,240 | 4,756 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,782,000 | 3,851 |
| Total interest expense | $197,000 | 7,113 |
| Net interest income | $1,585,000 | 3,013 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $121,000 | 5,446 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $36,000 | 5,904 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $85,000 | 4,228 |
| Total noninterest expense | $1,086,000 | 3,425 |
| Salaries and employee benefits | $776,000 | 2,681 |
| Premises and equipment expense | $118,000 | 4,220 |
| Additional noninterest expense | $192,000 | 5,116 |
| Pre-tax net operating income | $620,000 | 3,006 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $275,000 | 2,171 |
| Income before extraordinary items | $345,000 | 3,843 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $345,000 | 3,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,123 |
| Cash dividends | $420,000 | 1,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $345,000 | 3,661 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,759,000 | 4,168 |
| Total interest expense | $1,116,000 | 6,636 |
| Net interest income | $5,643,000 | 3,305 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $439,000 | 5,554 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $150,000 | 5,831 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $289,000 | 4,341 |
| Total noninterest expense | $4,483,000 | 3,232 |
| Salaries and employee benefits | $2,927,000 | 2,689 |
| Premises and equipment expense | $515,000 | 3,856 |
| Additional noninterest expense | $1,041,000 | 4,045 |
| Pre-tax net operating income | $1,599,000 | 3,937 |
| Securities gains (losses) | $1,256,000 | 367 |
| Applicable income taxes | $1,255,000 | 1,885 |
| Income before extraordinary items | $1,600,000 | 3,331 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,600,000 | 3,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,227 |
| Cash dividends | $839,000 | 2,578 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $796,160 | 5,083 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,005,000 | 4,024 |
| Total interest expense | $2,318,000 | 5,634 |
| Net interest income | $5,687,000 | 3,089 |
| Provision for loan and lease losses | $50,000 | 6,655 |
| Total noninterest income | $430,000 | 5,492 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $209,000 | 5,058 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $221,000 | 4,730 |
| Total noninterest expense | $3,621,000 | 3,721 |
| Salaries and employee benefits | $2,450,000 | 2,997 |
| Premises and equipment expense | $447,000 | 4,257 |
| Additional noninterest expense | $724,000 | 5,161 |
| Pre-tax net operating income | $2,446,000 | 2,712 |
| Securities gains (losses) | $226,000 | 1,094 |
| Applicable income taxes | $1,160,000 | 1,869 |
| Income before extraordinary items | $1,512,000 | 3,202 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,512,000 | 3,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,371 |
| Cash dividends | $1,068,000 | 2,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,367,360 | 3,365 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,694,000 | 3,850 |
| Total interest expense | $2,830,000 | 5,142 |
| Net interest income | $5,864,000 | 3,021 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $461,000 | 5,123 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $198,000 | 5,115 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $263,000 | 4,197 |
| Total noninterest expense | $3,117,000 | 4,103 |
| Salaries and employee benefits | $2,142,000 | 3,280 |
| Premises and equipment expense | $405,000 | 4,471 |
| Additional noninterest expense | $570,000 | 5,958 |
| Pre-tax net operating income | $3,208,000 | 2,249 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,401,000 | 1,598 |
| Income before extraordinary items | $1,807,000 | 2,794 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,807,000 | 2,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 9,489 |
| Cash dividends | $839,000 | 2,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,807,000 | 2,793 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,328,000 | 4,233 |
| Total interest expense | $2,088,000 | 5,847 |
| Net interest income | $5,240,000 | 3,312 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $390,000 | 5,701 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $140,000 | 6,013 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $250,000 | 4,438 |
| Total noninterest expense | $2,891,000 | 4,332 |
| Salaries and employee benefits | $1,961,000 | 3,510 |
| Premises and equipment expense | $422,000 | 4,343 |
| Additional noninterest expense | $508,000 | 6,454 |
| Pre-tax net operating income | $2,739,000 | 2,597 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $1,227,000 | 1,880 |
| Income before extraordinary items | $1,510,000 | 3,225 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,510,000 | 3,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-240,000 | 10,148 |
| Cash dividends | $763,000 | 2,743 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,511,280 | 3,191 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,629,000 | 4,105 |
| Total interest expense | $2,723,000 | 5,068 |
| Net interest income | $4,906,000 | 3,468 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $418,000 | 5,470 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $149,000 | 5,953 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $269,000 | 4,245 |
| Total noninterest expense | $2,950,000 | 4,177 |
| Salaries and employee benefits | $1,964,000 | 3,401 |
| Premises and equipment expense | $423,000 | 4,229 |
| Additional noninterest expense | $563,000 | 5,998 |
| Pre-tax net operating income | $2,374,000 | 2,917 |
| Securities gains (losses) | $-1,000 | 9,769 |
| Applicable income taxes | $1,028,000 | 2,263 |
| Income before extraordinary items | $1,345,000 | 3,568 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,345,000 | 3,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-699,000 | 10,432 |
| Cash dividends | $762,000 | 2,685 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 908 |
| Net operating income | $1,345,640 | 3,468 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,116,000 | 4,437 |
| Total interest expense | $2,985,000 | 4,743 |
| Net interest income | $4,131,000 | 4,121 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $349,000 | 6,178 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $103,000 | 7,134 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $246,000 | 4,403 |
| Total noninterest expense | $2,482,000 | 4,804 |
| Salaries and employee benefits | $1,672,000 | 3,887 |
| Premises and equipment expense | $335,000 | 5,068 |
| Additional noninterest expense | $475,000 | 6,717 |
| Pre-tax net operating income | $1,998,000 | 3,538 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $844,000 | 2,811 |
| Income before extraordinary items | $1,153,000 | 4,190 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,153,000 | 4,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 2,593 |
| Cash dividends | $761,000 | 2,635 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 969 |
| Net operating income | $1,153,640 | 4,132 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,544,000 | 4,837 |
| Total interest expense | $2,621,000 | 5,328 |
| Net interest income | $3,923,000 | 4,407 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $309,000 | 6,832 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $87,000 | 7,800 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $222,000 | 4,890 |
| Total noninterest expense | $2,373,000 | 5,222 |
| Salaries and employee benefits | $1,549,000 | 4,187 |
| Premises and equipment expense | $307,000 | 5,500 |
| Additional noninterest expense | $517,000 | 6,923 |
| Pre-tax net operating income | $1,859,000 | 3,614 |
| Securities gains (losses) | $61,000 | 1,215 |
| Applicable income taxes | $807,000 | 2,815 |
| Income before extraordinary items | $1,113,000 | 4,119 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,113,000 | 4,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-239,000 | 11,350 |
| Cash dividends | $761,000 | 2,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,073,960 | 4,170 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,665,000 | 4,756 |
| Total interest expense | $2,597,000 | 5,401 |
| Net interest income | $4,068,000 | 4,249 |
| Provision for loan and lease losses | $235,000 | 2,726 |
| Total noninterest income | $421,000 | 5,799 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $158,000 | 6,485 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $263,000 | 4,353 |
| Total noninterest expense | $2,440,000 | 5,105 |
| Salaries and employee benefits | $1,563,000 | 4,138 |
| Premises and equipment expense | $239,000 | 6,526 |
| Additional noninterest expense | $638,000 | 6,273 |
| Pre-tax net operating income | $1,814,000 | 3,821 |
| Securities gains (losses) | $11,000 | 2,318 |
| Applicable income taxes | $773,000 | 2,967 |
| Income before extraordinary items | $1,052,000 | 4,396 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,052,000 | 4,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $315,000 | 1,881 |
| Cash dividends | $760,000 | 2,513 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,044,960 | 4,418 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,871,000 | 4,963 |
| Total interest expense | $1,811,000 | 6,039 |
| Net interest income | $4,060,000 | 4,318 |
| Provision for loan and lease losses | $145,000 | 3,683 |
| Total noninterest income | $395,000 | 6,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 8,618 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $313,000 | 3,967 |
| Total noninterest expense | $2,447,000 | 5,253 |
| Salaries and employee benefits | $1,484,000 | 4,314 |
| Premises and equipment expense | $280,000 | 6,002 |
| Additional noninterest expense | $683,000 | 6,446 |
| Pre-tax net operating income | $1,863,000 | 3,636 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $834,000 | 2,673 |
| Income before extraordinary items | $1,029,000 | 4,430 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,029,000 | 4,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,634 |
| Cash dividends | $760,000 | 2,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,029,000 | 4,474 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,427,000 | 5,398 |
| Total interest expense | $1,577,000 | 6,955 |
| Net interest income | $3,850,000 | 4,560 |
| Provision for loan and lease losses | $890,000 | 1,414 |
| Total noninterest income | $328,000 | 7,285 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 10,960 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $306,000 | 4,417 |
| Total noninterest expense | $2,378,000 | 5,508 |
| Salaries and employee benefits | $1,426,000 | 4,468 |
| Premises and equipment expense | $214,000 | 7,406 |
| Additional noninterest expense | $738,000 | 6,308 |
| Pre-tax net operating income | $910,000 | 6,304 |
| Securities gains (losses) | $837,000 | 612 |
| Applicable income taxes | $770,000 | 2,838 |
| Income before extraordinary items | $977,000 | 4,778 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $977,000 | 4,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $866,000 | 1,263 |
| Cash dividends | $457,000 | 3,326 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $441,320 | 7,780 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,980,000 | 5,512 |
| Total interest expense | $2,217,000 | 6,583 |
| Net interest income | $3,763,000 | 4,712 |
| Provision for loan and lease losses | $1,141,000 | 1,696 |
| Total noninterest income | $278,000 | 8,040 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $17,000 | 11,442 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $261,000 | 4,830 |
| Total noninterest expense | $2,177,000 | 5,975 |
| Salaries and employee benefits | $1,234,000 | 5,031 |
| Premises and equipment expense | $221,000 | 7,368 |
| Additional noninterest expense | $722,000 | 6,607 |
| Pre-tax net operating income | $723,000 | 6,976 |
| Securities gains (losses) | $978,000 | 661 |
| Applicable income taxes | $740,000 | 2,807 |
| Income before extraordinary items | $961,000 | 4,664 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $961,000 | 4,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,019,000 | 1,541 |
| Cash dividends | $532,000 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $335,080 | 8,511 |
* 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.