Home > Greater Delaware Valley Savings Bank > Income and Expense
Greater Delaware Valley Savings Bank, Income and Expense
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $12,487,000 | 1,493 |
| Total interest expense | $1,703,000 | 1,232 |
| Net interest income | $10,784,000 | 1,545 |
| Provision for loan and lease losses | $320,000 | 1,441 |
| Total noninterest income | $74,000 | 5,786 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $160,000 | 3,641 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-86,000 | 6,211 |
| Total noninterest expense | $9,210,000 | 1,582 |
| Salaries and employee benefits | $4,590,000 | 1,727 |
| Premises and equipment expense | $1,440,000 | 1,249 |
| Additional noninterest expense | $3,180,000 | 1,461 |
| Pre-tax net operating income | $1,328,000 | 3,295 |
| Securities gains (losses) | $472,000 | 320 |
| Applicable income taxes | $568,000 | 1,899 |
| Income before extraordinary items | $1,232,000 | 3,121 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,232,000 | 3,120 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,232,000 | 3,121 |
| Net charge-offs | $17,000 | 3,431 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $911,040 | 3,612 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $8,315,000 | 1,501 |
| Total interest expense | $1,123,000 | 1,247 |
| Net interest income | $7,192,000 | 1,549 |
| Provision for loan and lease losses | $200,000 | 1,484 |
| Total noninterest income | $115,000 | 5,161 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $108,000 | 3,605 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $7,000 | 6,008 |
| Total noninterest expense | $6,434,000 | 1,524 |
| Salaries and employee benefits | $3,068,000 | 1,730 |
| Premises and equipment expense | $977,000 | 1,224 |
| Additional noninterest expense | $2,389,000 | 1,316 |
| Pre-tax net operating income | $673,000 | 3,718 |
| Securities gains (losses) | $0 | 2,636 |
| Applicable income taxes | $356,000 | 1,963 |
| Income before extraordinary items | $317,000 | 4,619 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $317,000 | 4,621 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $317,000 | 4,622 |
| Net charge-offs | $18,000 | 3,008 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $317,000 | 4,551 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $4,148,000 | 1,496 |
| Total interest expense | $558,000 | 1,254 |
| Net interest income | $3,590,000 | 1,535 |
| Provision for loan and lease losses | $120,000 | 1,278 |
| Total noninterest income | $168,000 | 3,700 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $52,000 | 3,639 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $116,000 | 3,377 |
| Total noninterest expense | $3,154,000 | 1,539 |
| Salaries and employee benefits | $1,595,000 | 1,674 |
| Premises and equipment expense | $495,000 | 1,227 |
| Additional noninterest expense | $1,064,000 | 1,447 |
| Pre-tax net operating income | $484,000 | 3,071 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $219,000 | 1,733 |
| Income before extraordinary items | $265,000 | 3,864 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $265,000 | 3,867 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $265,000 | 3,868 |
| Net charge-offs | $-2,000 | 4,668 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $265,000 | 3,779 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $16,890,000 | 1,476 |
| Total interest expense | $2,325,000 | 1,243 |
| Net interest income | $14,565,000 | 1,515 |
| Provision for loan and lease losses | $450,000 | 1,555 |
| Total noninterest income | $672,000 | 3,786 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $259,000 | 3,468 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $413,000 | 3,552 |
| Total noninterest expense | $11,207,000 | 1,712 |
| Salaries and employee benefits | $6,739,000 | 1,560 |
| Premises and equipment expense | $1,852,000 | 1,292 |
| Additional noninterest expense | $2,616,000 | 2,316 |
| Pre-tax net operating income | $3,580,000 | 1,993 |
| Securities gains (losses) | $0 | 3,259 |
| Applicable income taxes | $1,025,000 | 1,517 |
| Income before extraordinary items | $2,555,000 | 2,266 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $2,555,000 | 2,266 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,555,000 | 2,266 |
| Net charge-offs | $228,000 | 2,326 |
| Cash dividends | $1,000,000 | 2,015 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,555,000 | 2,218 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $12,665,000 | 1,491 |
| Total interest expense | $1,737,000 | 1,264 |
| Net interest income | $10,928,000 | 1,525 |
| Provision for loan and lease losses | $350,000 | 1,487 |
| Total noninterest income | $494,000 | 3,856 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $201,000 | 3,460 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $293,000 | 3,672 |
| Total noninterest expense | $8,400,000 | 1,704 |
| Salaries and employee benefits | $5,040,000 | 1,550 |
| Premises and equipment expense | $1,364,000 | 1,321 |
| Additional noninterest expense | $1,996,000 | 2,248 |
| Pre-tax net operating income | $2,672,000 | 2,034 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $737,000 | 1,595 |
| Income before extraordinary items | $1,935,000 | 2,273 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,935,000 | 2,274 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,935,000 | 2,273 |
| Net charge-offs | $192,000 | 2,039 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $1,935,000 | 2,222 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $8,418,000 | 1,490 |
| Total interest expense | $1,145,000 | 1,294 |
| Net interest income | $7,273,000 | 1,516 |
| Provision for loan and lease losses | $250,000 | 1,440 |
| Total noninterest income | $292,000 | 4,079 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $130,000 | 3,495 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $162,000 | 3,952 |
| Total noninterest expense | $5,617,000 | 1,692 |
| Salaries and employee benefits | $3,415,000 | 1,527 |
| Premises and equipment expense | $919,000 | 1,308 |
| Additional noninterest expense | $1,283,000 | 2,332 |
| Pre-tax net operating income | $1,698,000 | 2,060 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $456,000 | 1,626 |
| Income before extraordinary items | $1,242,000 | 2,283 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,242,000 | 2,286 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $1,242,000 | 2,286 |
| Net charge-offs | $28,000 | 3,210 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $1,242,000 | 2,236 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $4,200,000 | 1,489 |
| Total interest expense | $562,000 | 1,341 |
| Net interest income | $3,638,000 | 1,505 |
| Provision for loan and lease losses | $150,000 | 1,189 |
| Total noninterest income | $190,000 | 3,541 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $62,000 | 3,563 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $128,000 | 3,205 |
| Total noninterest expense | $2,954,000 | 1,624 |
| Salaries and employee benefits | $1,825,000 | 1,446 |
| Premises and equipment expense | $477,000 | 1,295 |
| Additional noninterest expense | $652,000 | 2,298 |
| Pre-tax net operating income | $724,000 | 2,268 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $179,000 | 1,846 |
| Income before extraordinary items | $545,000 | 2,422 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $545,000 | 2,425 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $545,000 | 2,425 |
| Net charge-offs | $28,000 | 2,278 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $545,000 | 2,379 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $16,611,000 | 1,511 |
| Total interest expense | $2,558,000 | 1,327 |
| Net interest income | $14,053,000 | 1,548 |
| Provision for loan and lease losses | $900,000 | 1,197 |
| Total noninterest income | $659,000 | 3,972 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $251,000 | 3,696 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $408,000 | 3,647 |
| Total noninterest expense | $11,645,000 | 1,652 |
| Salaries and employee benefits | $6,945,000 | 1,494 |
| Premises and equipment expense | $1,890,000 | 1,252 |
| Additional noninterest expense | $2,810,000 | 2,223 |
| Pre-tax net operating income | $2,167,000 | 2,709 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $588,000 | 1,986 |
| Income before extraordinary items | $1,579,000 | 3,060 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,579,000 | 3,062 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $1,579,000 | 3,063 |
| Net charge-offs | $1,576,000 | 911 |
| Cash dividends | $4,500,000 | 617 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $1,579,000 | 2,998 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $12,429,000 | 1,518 |
| Total interest expense | $1,970,000 | 1,332 |
| Net interest income | $10,459,000 | 1,568 |
| Provision for loan and lease losses | $450,000 | 1,622 |
| Total noninterest income | $450,000 | 4,199 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $190,000 | 3,705 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $260,000 | 3,962 |
| Total noninterest expense | $8,746,000 | 1,656 |
| Salaries and employee benefits | $5,195,000 | 1,503 |
| Premises and equipment expense | $1,422,000 | 1,252 |
| Additional noninterest expense | $2,129,000 | 2,181 |
| Pre-tax net operating income | $1,713,000 | 2,697 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $326,000 | 2,357 |
| Income before extraordinary items | $1,387,000 | 2,802 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $1,387,000 | 2,806 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,387,000 | 2,806 |
| Net charge-offs | $865,000 | 1,110 |
| Cash dividends | $3,000,000 | 641 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,387,000 | 2,727 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $8,246,000 | 1,526 |
| Total interest expense | $1,339,000 | 1,340 |
| Net interest income | $6,907,000 | 1,569 |
| Provision for loan and lease losses | $300,000 | 1,629 |
| Total noninterest income | $271,000 | 4,383 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $127,000 | 3,664 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $144,000 | 4,265 |
| Total noninterest expense | $5,858,000 | 1,637 |
| Salaries and employee benefits | $3,485,000 | 1,495 |
| Premises and equipment expense | $945,000 | 1,262 |
| Additional noninterest expense | $1,428,000 | 2,174 |
| Pre-tax net operating income | $1,020,000 | 2,865 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $166,000 | 2,595 |
| Income before extraordinary items | $854,000 | 2,938 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $854,000 | 2,941 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $854,000 | 2,941 |
| Net charge-offs | $837,000 | 879 |
| Cash dividends | $3,000,000 | 448 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $854,000 | 2,848 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $4,139,000 | 1,533 |
| Total interest expense | $692,000 | 1,341 |
| Net interest income | $3,447,000 | 1,572 |
| Provision for loan and lease losses | $150,000 | 1,610 |
| Total noninterest income | $84,000 | 5,102 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $55,000 | 3,918 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $29,000 | 5,353 |
| Total noninterest expense | $2,882,000 | 1,680 |
| Salaries and employee benefits | $1,735,000 | 1,523 |
| Premises and equipment expense | $468,000 | 1,297 |
| Additional noninterest expense | $679,000 | 2,297 |
| Pre-tax net operating income | $499,000 | 2,871 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $77,000 | 2,638 |
| Income before extraordinary items | $422,000 | 2,934 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $422,000 | 2,934 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $422,000 | 2,936 |
| Net charge-offs | $530,000 | 745 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $422,000 | 2,846 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $17,408,000 | 1,515 |
| Total interest expense | $3,314,000 | 1,344 |
| Net interest income | $14,094,000 | 1,566 |
| Provision for loan and lease losses | $1,025,000 | 1,739 |
| Total noninterest income | $830,000 | 3,578 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $250,000 | 3,847 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $580,000 | 3,152 |
| Total noninterest expense | $11,503,000 | 1,676 |
| Salaries and employee benefits | $6,859,000 | 1,487 |
| Premises and equipment expense | $1,850,000 | 1,283 |
| Additional noninterest expense | $2,794,000 | 2,321 |
| Pre-tax net operating income | $2,396,000 | 2,488 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $385,000 | 2,443 |
| Income before extraordinary items | $2,011,000 | 2,579 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,011,000 | 2,581 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $2,011,000 | 2,580 |
| Net charge-offs | $105,000 | 4,384 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $2,011,000 | 2,454 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $13,201,000 | 1,539 |
| Total interest expense | $2,567,000 | 1,360 |
| Net interest income | $10,634,000 | 1,569 |
| Provision for loan and lease losses | $975,000 | 1,466 |
| Total noninterest income | $933,000 | 2,911 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $188,000 | 3,888 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $745,000 | 2,371 |
| Total noninterest expense | $8,695,000 | 1,669 |
| Salaries and employee benefits | $5,062,000 | 1,501 |
| Premises and equipment expense | $1,386,000 | 1,301 |
| Additional noninterest expense | $2,247,000 | 2,163 |
| Pre-tax net operating income | $1,897,000 | 2,453 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $337,000 | 2,348 |
| Income before extraordinary items | $1,560,000 | 2,576 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,560,000 | 2,576 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,560,000 | 2,577 |
| Net charge-offs | $521,000 | 2,127 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $1,560,000 | 2,443 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $8,797,000 | 1,553 |
| Total interest expense | $1,765,000 | 1,375 |
| Net interest income | $7,032,000 | 1,579 |
| Provision for loan and lease losses | $750,000 | 1,348 |
| Total noninterest income | $616,000 | 2,887 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $123,000 | 3,908 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $493,000 | 2,355 |
| Total noninterest expense | $5,779,000 | 1,681 |
| Salaries and employee benefits | $3,365,000 | 1,503 |
| Premises and equipment expense | $935,000 | 1,274 |
| Additional noninterest expense | $1,479,000 | 2,189 |
| Pre-tax net operating income | $1,119,000 | 2,642 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $183,000 | 2,527 |
| Income before extraordinary items | $936,000 | 2,729 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $936,000 | 2,730 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $936,000 | 2,730 |
| Net charge-offs | $450,000 | 1,890 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $936,000 | 2,598 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $4,472,000 | 1,543 |
| Total interest expense | $897,000 | 1,408 |
| Net interest income | $3,575,000 | 1,566 |
| Provision for loan and lease losses | $225,000 | 1,839 |
| Total noninterest income | $192,000 | 3,734 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $59,000 | 3,983 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $133,000 | 3,248 |
| Total noninterest expense | $2,920,000 | 1,658 |
| Salaries and employee benefits | $1,740,000 | 1,470 |
| Premises and equipment expense | $462,000 | 1,295 |
| Additional noninterest expense | $718,000 | 2,236 |
| Pre-tax net operating income | $622,000 | 2,468 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $113,000 | 2,325 |
| Income before extraordinary items | $509,000 | 2,557 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $509,000 | 2,559 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $509,000 | 2,560 |
| Net charge-offs | $431,000 | 1,196 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $509,000 | 2,441 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $18,675,000 | 1,533 |
| Total interest expense | $4,186,000 | 1,445 |
| Net interest income | $14,489,000 | 1,541 |
| Provision for loan and lease losses | $3,250,000 | 1,121 |
| Total noninterest income | $758,000 | 3,622 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $256,000 | 3,915 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $502,000 | 3,125 |
| Total noninterest expense | $10,940,000 | 1,768 |
| Salaries and employee benefits | $6,190,000 | 1,581 |
| Premises and equipment expense | $1,826,000 | 1,363 |
| Additional noninterest expense | $2,924,000 | 2,256 |
| Pre-tax net operating income | $1,057,000 | 3,621 |
| Securities gains (losses) | $13,000 | 3,238 |
| Applicable income taxes | $-79,000 | 6,787 |
| Income before extraordinary items | $1,149,000 | 3,274 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,149,000 | 3,277 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,149,000 | 3,277 |
| Net charge-offs | $4,340,000 | 901 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,136,000 | 3,203 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $14,202,000 | 1,523 |
| Total interest expense | $3,270,000 | 1,447 |
| Net interest income | $10,932,000 | 1,540 |
| Provision for loan and lease losses | $3,025,000 | 928 |
| Total noninterest income | $577,000 | 3,605 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $190,000 | 3,945 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $387,000 | 3,096 |
| Total noninterest expense | $8,170,000 | 1,775 |
| Salaries and employee benefits | $4,614,000 | 1,604 |
| Premises and equipment expense | $1,384,000 | 1,359 |
| Additional noninterest expense | $2,172,000 | 2,278 |
| Pre-tax net operating income | $314,000 | 5,053 |
| Securities gains (losses) | $13,000 | 2,968 |
| Applicable income taxes | $-226,000 | 7,111 |
| Income before extraordinary items | $553,000 | 4,151 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $553,000 | 4,153 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $553,000 | 4,153 |
| Net charge-offs | $4,064,000 | 741 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $540,000 | 4,057 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $9,495,000 | 1,534 |
| Total interest expense | $2,241,000 | 1,458 |
| Net interest income | $7,254,000 | 1,548 |
| Provision for loan and lease losses | $600,000 | 2,044 |
| Total noninterest income | $376,000 | 3,683 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $124,000 | 3,973 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $252,000 | 3,147 |
| Total noninterest expense | $5,350,000 | 1,828 |
| Salaries and employee benefits | $2,986,000 | 1,658 |
| Premises and equipment expense | $934,000 | 1,350 |
| Additional noninterest expense | $1,430,000 | 2,347 |
| Pre-tax net operating income | $1,680,000 | 1,694 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $346,000 | 1,652 |
| Income before extraordinary items | $1,334,000 | 1,782 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,334,000 | 1,782 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,334,000 | 1,782 |
| Net charge-offs | $393,000 | 2,382 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $1,334,000 | 1,709 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $4,772,000 | 1,539 |
| Total interest expense | $1,164,000 | 1,464 |
| Net interest income | $3,608,000 | 1,538 |
| Provision for loan and lease losses | $225,000 | 2,264 |
| Total noninterest income | $190,000 | 3,689 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $63,000 | 3,894 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $127,000 | 3,175 |
| Total noninterest expense | $2,676,000 | 1,839 |
| Salaries and employee benefits | $1,497,000 | 1,661 |
| Premises and equipment expense | $461,000 | 1,405 |
| Additional noninterest expense | $718,000 | 2,309 |
| Pre-tax net operating income | $897,000 | 1,595 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $193,000 | 1,548 |
| Income before extraordinary items | $704,000 | 1,675 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $704,000 | 1,675 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $704,000 | 1,675 |
| Net charge-offs | $35,000 | 3,634 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $704,000 | 1,622 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $19,796,000 | 1,556 |
| Total interest expense | $6,487,000 | 1,275 |
| Net interest income | $13,309,000 | 1,659 |
| Provision for loan and lease losses | $2,120,000 | 1,988 |
| Total noninterest income | $927,000 | 3,357 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $284,000 | 3,741 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $643,000 | 2,812 |
| Total noninterest expense | $11,163,000 | 1,767 |
| Salaries and employee benefits | $6,015,000 | 1,617 |
| Premises and equipment expense | $1,914,000 | 1,344 |
| Additional noninterest expense | $3,234,000 | 2,151 |
| Pre-tax net operating income | $953,000 | 3,462 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-128,000 | 6,875 |
| Income before extraordinary items | $1,081,000 | 3,085 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,081,000 | 3,082 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,081,000 | 3,085 |
| Net charge-offs | $569,000 | 3,482 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $1,081,000 | 2,971 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $15,049,000 | 1,566 |
| Total interest expense | $5,196,000 | 1,231 |
| Net interest income | $9,853,000 | 1,708 |
| Provision for loan and lease losses | $1,920,000 | 1,702 |
| Total noninterest income | $705,000 | 3,373 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $218,000 | 3,762 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $487,000 | 2,795 |
| Total noninterest expense | $8,426,000 | 1,754 |
| Salaries and employee benefits | $4,510,000 | 1,623 |
| Premises and equipment expense | $1,451,000 | 1,346 |
| Additional noninterest expense | $2,465,000 | 2,094 |
| Pre-tax net operating income | $212,000 | 5,203 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-259,000 | 7,250 |
| Income before extraordinary items | $471,000 | 4,229 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $471,000 | 4,230 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $471,000 | 4,230 |
| Net charge-offs | $583,000 | 2,865 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $471,000 | 4,072 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $10,132,000 | 1,568 |
| Total interest expense | $3,812,000 | 1,175 |
| Net interest income | $6,320,000 | 1,770 |
| Provision for loan and lease losses | $1,170,000 | 1,779 |
| Total noninterest income | $423,000 | 3,531 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $149,000 | 3,706 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $274,000 | 2,986 |
| Total noninterest expense | $5,514,000 | 1,789 |
| Salaries and employee benefits | $3,049,000 | 1,619 |
| Premises and equipment expense | $969,000 | 1,366 |
| Additional noninterest expense | $1,496,000 | 2,262 |
| Pre-tax net operating income | $59,000 | 5,749 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-205,000 | 7,330 |
| Income before extraordinary items | $264,000 | 4,504 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $264,000 | 4,504 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $264,000 | 4,504 |
| Net charge-offs | $523,000 | 2,395 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $264,000 | 4,359 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $5,078,000 | 1,595 |
| Total interest expense | $2,016,000 | 1,173 |
| Net interest income | $3,062,000 | 1,852 |
| Provision for loan and lease losses | $520,000 | 1,782 |
| Total noninterest income | $266,000 | 3,098 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $75,000 | 3,697 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $191,000 | 2,467 |
| Total noninterest expense | $2,696,000 | 1,845 |
| Salaries and employee benefits | $1,539,000 | 1,633 |
| Premises and equipment expense | $504,000 | 1,348 |
| Additional noninterest expense | $653,000 | 2,522 |
| Pre-tax net operating income | $112,000 | 4,922 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-75,000 | 7,405 |
| Income before extraordinary items | $187,000 | 4,005 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $187,000 | 4,004 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $187,000 | 4,004 |
| Net charge-offs | $68,000 | 3,462 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $187,000 | 3,897 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $21,090,000 | 1,621 |
| Total interest expense | $9,566,000 | 1,249 |
| Net interest income | $11,524,000 | 1,923 |
| Provision for loan and lease losses | $528,000 | 4,463 |
| Total noninterest income | $1,164,000 | 3,039 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $293,000 | 3,915 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $871,000 | 2,329 |
| Total noninterest expense | $10,842,000 | 1,878 |
| Salaries and employee benefits | $5,929,000 | 1,676 |
| Premises and equipment expense | $1,800,000 | 1,501 |
| Additional noninterest expense | $3,113,000 | 2,276 |
| Pre-tax net operating income | $1,318,000 | 2,554 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-41,000 | 6,418 |
| Income before extraordinary items | $1,359,000 | 2,269 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,359,000 | 2,267 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,359,000 | 2,268 |
| Net charge-offs | $159,000 | 5,261 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,359,000 | 2,242 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $15,869,000 | 1,651 |
| Total interest expense | $7,317,000 | 1,286 |
| Net interest income | $8,552,000 | 1,934 |
| Provision for loan and lease losses | $225,000 | 4,987 |
| Total noninterest income | $899,000 | 3,032 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $216,000 | 3,963 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $683,000 | 2,321 |
| Total noninterest expense | $8,147,000 | 1,865 |
| Salaries and employee benefits | $4,473,000 | 1,682 |
| Premises and equipment expense | $1,384,000 | 1,481 |
| Additional noninterest expense | $2,290,000 | 2,275 |
| Pre-tax net operating income | $1,079,000 | 2,608 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-4,000 | 6,597 |
| Income before extraordinary items | $1,083,000 | 2,346 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,083,000 | 2,343 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,083,000 | 2,346 |
| Net charge-offs | $159,000 | 4,540 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,083,000 | 2,303 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $10,603,000 | 1,670 |
| Total interest expense | $5,014,000 | 1,316 |
| Net interest income | $5,589,000 | 1,965 |
| Provision for loan and lease losses | $150,000 | 4,729 |
| Total noninterest income | $590,000 | 3,075 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $145,000 | 3,931 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $445,000 | 2,391 |
| Total noninterest expense | $5,464,000 | 1,884 |
| Salaries and employee benefits | $2,926,000 | 1,748 |
| Premises and equipment expense | $955,000 | 1,471 |
| Additional noninterest expense | $1,583,000 | 2,222 |
| Pre-tax net operating income | $565,000 | 3,110 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-59,000 | 7,039 |
| Income before extraordinary items | $624,000 | 2,704 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $624,000 | 2,701 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $624,000 | 2,703 |
| Net charge-offs | $61,000 | 4,739 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $624,000 | 2,616 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,366,000 | 1,673 |
| Total interest expense | $2,553,000 | 1,347 |
| Net interest income | $2,813,000 | 1,940 |
| Provision for loan and lease losses | $75,000 | 4,299 |
| Total noninterest income | $289,000 | 3,091 |
| 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 | $214,000 | 2,423 |
| Total noninterest expense | $2,592,000 | 1,910 |
| Salaries and employee benefits | $1,422,000 | 1,828 |
| Premises and equipment expense | $492,000 | 1,442 |
| Additional noninterest expense | $678,000 | 2,294 |
| Pre-tax net operating income | $435,000 | 2,636 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $24,000 | 3,435 |
| Income before extraordinary items | $411,000 | 2,521 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $411,000 | 2,521 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $411,000 | 2,523 |
| Net charge-offs | $6,000 | 5,032 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $411,000 | 2,372 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $22,543,000 | 1,714 |
| Total interest expense | $11,770,000 | 1,385 |
| Net interest income | $10,773,000 | 2,057 |
| Provision for loan and lease losses | $585,000 | 3,554 |
| Total noninterest income | $1,279,000 | 2,923 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $352,000 | 3,711 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $927,000 | 2,242 |
| Total noninterest expense | $10,223,000 | 1,890 |
| Salaries and employee benefits | $5,716,000 | 1,792 |
| Premises and equipment expense | $1,967,000 | 1,405 |
| Additional noninterest expense | $2,540,000 | 2,311 |
| Pre-tax net operating income | $1,244,000 | 3,348 |
| Securities gains (losses) | $-1,039,000 | 7,756 |
| Applicable income taxes | $-407,000 | 7,413 |
| Income before extraordinary items | $612,000 | 4,140 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $612,000 | 4,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $247,000 | 3,816 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,651,000 | 2,485 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $17,064,000 | 1,732 |
| Total interest expense | $9,014,000 | 1,410 |
| Net interest income | $8,050,000 | 2,080 |
| Provision for loan and lease losses | $255,000 | 3,815 |
| Total noninterest income | $70,000 | 7,491 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $266,000 | 3,725 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-196,000 | 8,294 |
| Total noninterest expense | $7,658,000 | 1,880 |
| Salaries and employee benefits | $4,294,000 | 1,806 |
| Premises and equipment expense | $1,492,000 | 1,388 |
| Additional noninterest expense | $1,872,000 | 2,279 |
| Pre-tax net operating income | $207,000 | 6,011 |
| Securities gains (losses) | $-157,000 | 7,573 |
| Applicable income taxes | $-339,000 | 7,781 |
| Income before extraordinary items | $389,000 | 4,839 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $389,000 | 4,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,737 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $546,000 | 4,428 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $11,434,000 | 1,754 |
| Total interest expense | $6,217,000 | 1,417 |
| Net interest income | $5,217,000 | 2,124 |
| Provision for loan and lease losses | $210,000 | 3,064 |
| Total noninterest income | $6,000 | 8,201 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $178,000 | 3,715 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-172,000 | 8,392 |
| Total noninterest expense | $5,021,000 | 1,913 |
| Salaries and employee benefits | $2,839,000 | 1,843 |
| Premises and equipment expense | $991,000 | 1,404 |
| Additional noninterest expense | $1,191,000 | 2,363 |
| Pre-tax net operating income | $-8,000 | 6,971 |
| Securities gains (losses) | $-153,000 | 8,285 |
| Applicable income taxes | $-294,000 | 8,067 |
| Income before extraordinary items | $133,000 | 6,100 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $133,000 | 6,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 2,946 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $230,920 | 5,334 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,882,000 | 1,750 |
| Total interest expense | $3,359,000 | 1,403 |
| Net interest income | $2,523,000 | 2,194 |
| Provision for loan and lease losses | $165,000 | 2,024 |
| Total noninterest income | $-41,000 | 8,439 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $91,000 | 3,630 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-132,000 | 8,459 |
| Total noninterest expense | $2,438,000 | 1,965 |
| Salaries and employee benefits | $1,394,000 | 1,895 |
| Premises and equipment expense | $489,000 | 1,424 |
| Additional noninterest expense | $555,000 | 2,477 |
| Pre-tax net operating income | $-121,000 | 7,622 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-157,000 | 8,218 |
| Income before extraordinary items | $36,000 | 6,787 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $36,000 | 6,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 1,782 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $36,000 | 6,693 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $24,340,000 | 1,756 |
| Total interest expense | $14,067,000 | 1,420 |
| Net interest income | $10,273,000 | 2,194 |
| Provision for loan and lease losses | $120,000 | 4,617 |
| Total noninterest income | $482,000 | 5,094 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $346,000 | 3,803 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $136,000 | 5,738 |
| Total noninterest expense | $9,737,000 | 1,903 |
| Salaries and employee benefits | $5,496,000 | 1,837 |
| Premises and equipment expense | $1,910,000 | 1,396 |
| Additional noninterest expense | $2,331,000 | 2,319 |
| Pre-tax net operating income | $898,000 | 4,953 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-157,000 | 8,089 |
| Income before extraordinary items | $1,055,000 | 4,194 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,055,000 | 4,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,999 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,055,000 | 4,183 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $18,227,000 | 1,765 |
| Total interest expense | $10,461,000 | 1,434 |
| Net interest income | $7,766,000 | 2,196 |
| Provision for loan and lease losses | $75,000 | 4,567 |
| Total noninterest income | $997,000 | 2,924 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $250,000 | 3,877 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $747,000 | 2,214 |
| Total noninterest expense | $7,367,000 | 1,856 |
| Salaries and employee benefits | $4,161,000 | 1,821 |
| Premises and equipment expense | $1,452,000 | 1,353 |
| Additional noninterest expense | $1,754,000 | 2,262 |
| Pre-tax net operating income | $1,321,000 | 3,745 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $102,000 | 4,420 |
| Income before extraordinary items | $1,219,000 | 3,430 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,219,000 | 3,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,266 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,219,000 | 3,415 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $12,017,000 | 1,794 |
| Total interest expense | $6,875,000 | 1,451 |
| Net interest income | $5,142,000 | 2,241 |
| Provision for loan and lease losses | $40,000 | 4,625 |
| Total noninterest income | $655,000 | 2,958 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $167,000 | 3,877 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $488,000 | 2,286 |
| Total noninterest expense | $4,933,000 | 1,870 |
| Salaries and employee benefits | $2,781,000 | 1,854 |
| Premises and equipment expense | $973,000 | 1,360 |
| Additional noninterest expense | $1,179,000 | 2,249 |
| Pre-tax net operating income | $824,000 | 3,955 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $45,000 | 4,839 |
| Income before extraordinary items | $779,000 | 3,580 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $779,000 | 3,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,783 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $779,000 | 3,556 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,924,000 | 1,822 |
| Total interest expense | $3,363,000 | 1,474 |
| Net interest income | $2,561,000 | 2,247 |
| Provision for loan and lease losses | $15,000 | 4,592 |
| Total noninterest income | $315,000 | 3,018 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $83,000 | 3,831 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $232,000 | 2,329 |
| Total noninterest expense | $2,474,000 | 1,867 |
| Salaries and employee benefits | $1,402,000 | 1,836 |
| Premises and equipment expense | $487,000 | 1,380 |
| Additional noninterest expense | $585,000 | 2,236 |
| Pre-tax net operating income | $387,000 | 4,079 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $12,000 | 5,224 |
| Income before extraordinary items | $375,000 | 3,645 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $375,000 | 3,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $375,000 | 3,626 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $21,753,000 | 1,851 |
| Total interest expense | $11,331,000 | 1,485 |
| Net interest income | $10,422,000 | 2,215 |
| Provision for loan and lease losses | $60,000 | 5,315 |
| Total noninterest income | $1,440,000 | 2,781 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $322,000 | 3,981 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,118,000 | 2,062 |
| Total noninterest expense | $10,500,000 | 1,695 |
| Salaries and employee benefits | $6,003,000 | 1,632 |
| Premises and equipment expense | $1,891,000 | 1,363 |
| Additional noninterest expense | $2,606,000 | 2,039 |
| Pre-tax net operating income | $1,302,000 | 4,610 |
| Securities gains (losses) | $2,000 | 1,439 |
| Applicable income taxes | $-67,000 | 8,321 |
| Income before extraordinary items | $1,371,000 | 3,974 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,371,000 | 3,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,489 |
| Cash dividends | $1,239,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,369,000 | 3,956 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $16,020,000 | 1,873 |
| Total interest expense | $8,132,000 | 1,504 |
| Net interest income | $7,888,000 | 2,213 |
| Provision for loan and lease losses | $45,000 | 5,149 |
| Total noninterest income | $1,098,000 | 2,745 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $230,000 | 4,114 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $868,000 | 2,017 |
| Total noninterest expense | $7,841,000 | 1,708 |
| Salaries and employee benefits | $4,412,000 | 1,670 |
| Premises and equipment expense | $1,428,000 | 1,365 |
| Additional noninterest expense | $2,001,000 | 1,949 |
| Pre-tax net operating income | $1,100,000 | 4,517 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-17,000 | 8,432 |
| Income before extraordinary items | $1,117,000 | 3,897 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,117,000 | 3,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,016 |
| Cash dividends | $929,000 | 2,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,117,000 | 3,885 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,499,000 | 1,875 |
| Total interest expense | $5,280,000 | 1,474 |
| Net interest income | $5,219,000 | 2,244 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $771,000 | 2,661 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $148,000 | 4,169 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $623,000 | 1,909 |
| Total noninterest expense | $5,309,000 | 1,683 |
| Salaries and employee benefits | $3,009,000 | 1,644 |
| Premises and equipment expense | $935,000 | 1,379 |
| Additional noninterest expense | $1,365,000 | 1,914 |
| Pre-tax net operating income | $651,000 | 4,801 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-47,000 | 8,580 |
| Income before extraordinary items | $698,000 | 4,079 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $698,000 | 4,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $619,000 | 2,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $698,000 | 4,067 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,189,000 | 1,854 |
| Total interest expense | $2,553,000 | 1,436 |
| Net interest income | $2,636,000 | 2,212 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $412,000 | 2,506 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $69,000 | 4,247 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $343,000 | 1,754 |
| Total noninterest expense | $2,661,000 | 1,685 |
| Salaries and employee benefits | $1,507,000 | 1,647 |
| Premises and equipment expense | $447,000 | 1,457 |
| Additional noninterest expense | $707,000 | 1,849 |
| Pre-tax net operating income | $372,000 | 4,443 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-10,000 | 8,526 |
| Income before extraordinary items | $382,000 | 3,816 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $382,000 | 3,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $310,000 | 1,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $382,000 | 3,798 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $19,884,000 | 1,694 |
| Total interest expense | $8,907,000 | 1,276 |
| Net interest income | $10,977,000 | 2,017 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $1,348,000 | 2,882 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $290,000 | 4,260 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,058,000 | 2,132 |
| Total noninterest expense | $10,972,000 | 1,565 |
| Salaries and employee benefits | $6,658,000 | 1,398 |
| Premises and equipment expense | $1,851,000 | 1,328 |
| Additional noninterest expense | $2,463,000 | 2,040 |
| Pre-tax net operating income | $1,233,000 | 4,846 |
| Securities gains (losses) | $-216,000 | 8,596 |
| Applicable income taxes | $-157,000 | 8,652 |
| Income before extraordinary items | $1,174,000 | 4,403 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,174,000 | 4,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,088 |
| Cash dividends | $1,239,000 | 2,091 |
| Sale, conversion, retirement of capital stock, net | $136,000 | 686 |
| Net operating income | $1,390,000 | 3,943 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $14,814,000 | 1,668 |
| Total interest expense | $6,483,000 | 1,237 |
| Net interest income | $8,331,000 | 1,988 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $975,000 | 2,958 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $211,000 | 4,349 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $764,000 | 2,188 |
| Total noninterest expense | $8,415,000 | 1,521 |
| Salaries and employee benefits | $5,223,000 | 1,324 |
| Premises and equipment expense | $1,358,000 | 1,344 |
| Additional noninterest expense | $1,834,000 | 2,031 |
| Pre-tax net operating income | $801,000 | 5,323 |
| Securities gains (losses) | $-216,000 | 8,728 |
| Applicable income taxes | $-175,000 | 8,750 |
| Income before extraordinary items | $760,000 | 4,891 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $760,000 | 4,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,393 |
| Cash dividends | $929,000 | 1,903 |
| Sale, conversion, retirement of capital stock, net | $128,000 | 535 |
| Net operating income | $976,000 | 4,178 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,803,000 | 1,632 |
| Total interest expense | $4,228,000 | 1,182 |
| Net interest income | $5,575,000 | 1,937 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $643,000 | 2,945 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $137,000 | 4,352 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $506,000 | 2,162 |
| Total noninterest expense | $5,660,000 | 1,497 |
| Salaries and employee benefits | $3,578,000 | 1,280 |
| Premises and equipment expense | $921,000 | 1,304 |
| Additional noninterest expense | $1,161,000 | 2,114 |
| Pre-tax net operating income | $498,000 | 5,497 |
| Securities gains (losses) | $-216,000 | 8,773 |
| Applicable income taxes | $-151,000 | 8,775 |
| Income before extraordinary items | $433,000 | 5,252 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $433,000 | 5,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 8,382 |
| Cash dividends | $620,000 | 1,890 |
| Sale, conversion, retirement of capital stock, net | $87,000 | 445 |
| Net operating income | $649,000 | 4,154 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,817,000 | 1,630 |
| Total interest expense | $2,064,000 | 1,141 |
| Net interest income | $2,753,000 | 1,956 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $314,000 | 2,961 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $69,000 | 4,296 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $245,000 | 2,187 |
| Total noninterest expense | $2,652,000 | 1,603 |
| Salaries and employee benefits | $1,630,000 | 1,413 |
| Premises and equipment expense | $466,000 | 1,293 |
| Additional noninterest expense | $556,000 | 2,196 |
| Pre-tax net operating income | $385,000 | 4,372 |
| Securities gains (losses) | $-11,000 | 8,547 |
| Applicable income taxes | $3,000 | 6,538 |
| Income before extraordinary items | $371,000 | 3,814 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $371,000 | 3,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $310,000 | 1,691 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 326 |
| Net operating income | $381,890 | 3,695 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $19,419,000 | 1,486 |
| Total interest expense | $7,820,000 | 1,031 |
| Net interest income | $11,599,000 | 1,746 |
| Provision for loan and lease losses | $210,000 | 3,601 |
| Total noninterest income | $1,444,000 | 2,752 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $290,000 | 4,391 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,154,000 | 1,961 |
| Total noninterest expense | $10,386,000 | 1,571 |
| Salaries and employee benefits | $6,038,000 | 1,468 |
| Premises and equipment expense | $1,729,000 | 1,337 |
| Additional noninterest expense | $2,619,000 | 1,857 |
| Pre-tax net operating income | $2,447,000 | 3,063 |
| Securities gains (losses) | $1,000 | 3,645 |
| Applicable income taxes | $329,000 | 4,038 |
| Income before extraordinary items | $2,119,000 | 2,776 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,119,000 | 2,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $342,000 | 1,795 |
| Cash dividends | $1,239,000 | 2,000 |
| Sale, conversion, retirement of capital stock, net | $163,000 | 598 |
| Net operating income | $2,118,130 | 2,718 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $14,634,000 | 1,464 |
| Total interest expense | $5,808,000 | 1,024 |
| Net interest income | $8,826,000 | 1,706 |
| Provision for loan and lease losses | $180,000 | 3,152 |
| Total noninterest income | $1,127,000 | 2,688 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $215,000 | 4,451 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $912,000 | 1,897 |
| Total noninterest expense | $7,701,000 | 1,578 |
| Salaries and employee benefits | $4,500,000 | 1,475 |
| Premises and equipment expense | $1,241,000 | 1,398 |
| Additional noninterest expense | $1,960,000 | 1,831 |
| Pre-tax net operating income | $2,072,000 | 2,795 |
| Securities gains (losses) | $1,000 | 3,538 |
| Applicable income taxes | $204,000 | 4,404 |
| Income before extraordinary items | $1,869,000 | 2,463 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,869,000 | 2,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $387,000 | 1,191 |
| Cash dividends | $930,000 | 1,800 |
| Sale, conversion, retirement of capital stock, net | $148,000 | 480 |
| Net operating income | $1,868,100 | 2,405 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,890,000 | 1,413 |
| Total interest expense | $3,859,000 | 1,010 |
| Net interest income | $6,031,000 | 1,664 |
| Provision for loan and lease losses | $150,000 | 2,691 |
| Total noninterest income | $816,000 | 2,559 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $145,000 | 4,403 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $671,000 | 1,773 |
| Total noninterest expense | $5,158,000 | 1,575 |
| Salaries and employee benefits | $2,973,000 | 1,487 |
| Premises and equipment expense | $819,000 | 1,414 |
| Additional noninterest expense | $1,366,000 | 1,751 |
| Pre-tax net operating income | $1,539,000 | 2,534 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $190,000 | 3,876 |
| Income before extraordinary items | $1,349,000 | 2,275 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,349,000 | 2,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $339,000 | 957 |
| Cash dividends | $620,000 | 1,831 |
| Sale, conversion, retirement of capital stock, net | $102,000 | 404 |
| Net operating income | $1,349,000 | 2,214 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,934,000 | 1,426 |
| Total interest expense | $1,938,000 | 1,024 |
| Net interest income | $2,996,000 | 1,666 |
| Provision for loan and lease losses | $120,000 | 1,785 |
| Total noninterest income | $402,000 | 2,525 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $76,000 | 4,234 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $326,000 | 1,776 |
| Total noninterest expense | $2,514,000 | 1,621 |
| Salaries and employee benefits | $1,451,000 | 1,539 |
| Premises and equipment expense | $443,000 | 1,316 |
| Additional noninterest expense | $620,000 | 1,909 |
| Pre-tax net operating income | $764,000 | 2,516 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $91,000 | 3,946 |
| Income before extraordinary items | $673,000 | 2,254 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $673,000 | 2,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $459,000 | 451 |
| Cash dividends | $310,000 | 1,675 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 301 |
| Net operating income | $673,000 | 2,170 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $19,823,000 | 1,444 |
| Total interest expense | $8,476,000 | 1,054 |
| Net interest income | $11,347,000 | 1,707 |
| Provision for loan and lease losses | $480,000 | 2,232 |
| Total noninterest income | $1,419,000 | 2,960 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $269,000 | 4,572 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,150,000 | 2,179 |
| Total noninterest expense | $10,096,000 | 1,588 |
| Salaries and employee benefits | $5,615,000 | 1,527 |
| Premises and equipment expense | $1,660,000 | 1,368 |
| Additional noninterest expense | $2,821,000 | 1,716 |
| Pre-tax net operating income | $2,190,000 | 3,180 |
| Securities gains (losses) | $46,000 | 2,589 |
| Applicable income taxes | $74,000 | 5,995 |
| Income before extraordinary items | $2,162,000 | 2,699 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,162,000 | 2,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,087,000 | 867 |
| Cash dividends | $1,238,000 | 2,012 |
| Sale, conversion, retirement of capital stock, net | $132,000 | 655 |
| Net operating income | $2,117,380 | 2,610 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $14,994,000 | 1,461 |
| Total interest expense | $6,487,000 | 1,072 |
| Net interest income | $8,507,000 | 1,731 |
| Provision for loan and lease losses | $360,000 | 2,185 |
| Total noninterest income | $1,046,000 | 3,045 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $197,000 | 4,655 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $849,000 | 2,287 |
| Total noninterest expense | $7,447,000 | 1,631 |
| Salaries and employee benefits | $4,193,000 | 1,547 |
| Premises and equipment expense | $1,288,000 | 1,340 |
| Additional noninterest expense | $1,966,000 | 1,836 |
| Pre-tax net operating income | $1,746,000 | 3,147 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $105,000 | 5,522 |
| Income before extraordinary items | $1,641,000 | 2,766 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,641,000 | 2,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $996,000 | 701 |
| Cash dividends | $929,000 | 1,841 |
| Sale, conversion, retirement of capital stock, net | $111,000 | 501 |
| Net operating income | $1,641,000 | 2,625 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,927,000 | 1,482 |
| Total interest expense | $4,389,000 | 1,098 |
| Net interest income | $5,538,000 | 1,762 |
| Provision for loan and lease losses | $240,000 | 2,189 |
| Total noninterest income | $748,000 | 2,884 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $130,000 | 4,653 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $618,000 | 2,155 |
| Total noninterest expense | $4,856,000 | 1,658 |
| Salaries and employee benefits | $2,750,000 | 1,567 |
| Premises and equipment expense | $875,000 | 1,312 |
| Additional noninterest expense | $1,231,000 | 1,946 |
| Pre-tax net operating income | $1,190,000 | 3,101 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $83,000 | 5,372 |
| Income before extraordinary items | $1,107,000 | 2,750 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,107,000 | 2,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $619,000 | 1,851 |
| Sale, conversion, retirement of capital stock, net | $74,000 | 407 |
| Net operating income | $1,107,000 | 2,597 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,019,000 | 1,479 |
| Total interest expense | $2,175,000 | 1,132 |
| Net interest income | $2,844,000 | 1,713 |
| Provision for loan and lease losses | $120,000 | 2,030 |
| Total noninterest income | $298,000 | 3,252 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $62,000 | 4,671 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $236,000 | 2,444 |
| Total noninterest expense | $2,385,000 | 1,675 |
| Salaries and employee benefits | $1,334,000 | 1,596 |
| Premises and equipment expense | $451,000 | 1,281 |
| Additional noninterest expense | $600,000 | 1,970 |
| Pre-tax net operating income | $637,000 | 2,951 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $57,000 | 4,911 |
| Income before extraordinary items | $580,000 | 2,619 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $580,000 | 2,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $310,000 | 1,720 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 278 |
| Net operating income | $580,000 | 2,478 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $22,301,000 | 1,365 |
| Total interest expense | $11,146,000 | 1,004 |
| Net interest income | $11,155,000 | 1,728 |
| Provision for loan and lease losses | $1,960,000 | 745 |
| Total noninterest income | $1,171,000 | 3,127 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $279,000 | 4,401 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $892,000 | 2,342 |
| Total noninterest expense | $9,668,000 | 1,594 |
| Salaries and employee benefits | $5,197,000 | 1,561 |
| Premises and equipment expense | $1,647,000 | 1,332 |
| Additional noninterest expense | $2,824,000 | 1,660 |
| Pre-tax net operating income | $698,000 | 6,093 |
| Securities gains (losses) | $-39,000 | 9,057 |
| Applicable income taxes | $-360,000 | 9,212 |
| Income before extraordinary items | $1,019,000 | 4,538 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,019,000 | 4,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,516,000 | 666 |
| Cash dividends | $1,238,000 | 1,904 |
| Sale, conversion, retirement of capital stock, net | $128,000 | 619 |
| Net operating income | $1,058,000 | 4,324 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $25,450,000 | 1,336 |
| Total interest expense | $14,379,000 | 1,115 |
| Net interest income | $11,071,000 | 1,609 |
| Provision for loan and lease losses | $1,040,000 | 1,207 |
| Total noninterest income | $1,144,000 | 3,030 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $253,000 | 4,612 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $891,000 | 2,219 |
| Total noninterest expense | $8,294,000 | 1,757 |
| Salaries and employee benefits | $4,876,000 | 1,546 |
| Premises and equipment expense | $1,389,000 | 1,544 |
| Additional noninterest expense | $2,029,000 | 2,211 |
| Pre-tax net operating income | $2,881,000 | 2,351 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $540,000 | 3,186 |
| Income before extraordinary items | $2,341,000 | 2,211 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,341,000 | 2,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 3,125 |
| Cash dividends | $1,224,000 | 1,939 |
| Sale, conversion, retirement of capital stock, net | $233,000 | 568 |
| Net operating income | $2,341,000 | 2,142 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $24,639,000 | 1,412 |
| Total interest expense | $13,572,000 | 1,286 |
| Net interest income | $11,067,000 | 1,580 |
| Provision for loan and lease losses | $705,000 | 1,404 |
| Total noninterest income | $926,000 | 3,320 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $203,000 | 5,058 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $723,000 | 2,305 |
| Total noninterest expense | $7,264,000 | 1,914 |
| Salaries and employee benefits | $4,118,000 | 1,746 |
| Premises and equipment expense | $1,281,000 | 1,618 |
| Additional noninterest expense | $1,865,000 | 2,303 |
| Pre-tax net operating income | $4,024,000 | 1,815 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,204,000 | 1,821 |
| Income before extraordinary items | $2,820,000 | 1,843 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,820,000 | 1,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,263 |
| Cash dividends | $1,179,000 | 2,024 |
| Sale, conversion, retirement of capital stock, net | $116,000 | 688 |
| Net operating income | $2,820,000 | 1,845 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $20,647,000 | 1,579 |
| Total interest expense | $10,673,000 | 1,401 |
| Net interest income | $9,974,000 | 1,746 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $616,000 | 4,349 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $170,000 | 5,531 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $446,000 | 3,182 |
| Total noninterest expense | $7,047,000 | 1,951 |
| Salaries and employee benefits | $3,695,000 | 1,886 |
| Premises and equipment expense | $1,255,000 | 1,628 |
| Additional noninterest expense | $2,097,000 | 2,076 |
| Pre-tax net operating income | $3,363,000 | 2,179 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $1,104,000 | 2,059 |
| Income before extraordinary items | $2,257,000 | 2,308 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,257,000 | 2,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 3,156 |
| Cash dividends | $1,178,000 | 2,019 |
| Sale, conversion, retirement of capital stock, net | $-266,000 | 10,131 |
| Net operating income | $2,258,340 | 2,282 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $19,564,000 | 1,666 |
| Total interest expense | $10,581,000 | 1,450 |
| Net interest income | $8,983,000 | 1,903 |
| Provision for loan and lease losses | $180,000 | 3,728 |
| Total noninterest income | $744,000 | 3,810 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $156,000 | 5,821 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $588,000 | 2,674 |
| Total noninterest expense | $6,453,000 | 2,031 |
| Salaries and employee benefits | $3,511,000 | 1,890 |
| Premises and equipment expense | $964,000 | 2,025 |
| Additional noninterest expense | $1,978,000 | 2,131 |
| Pre-tax net operating income | $3,094,000 | 2,308 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,051,000 | 2,215 |
| Income before extraordinary items | $2,043,000 | 2,496 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,043,000 | 2,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $322,000 | 1,769 |
| Cash dividends | $1,179,000 | 1,982 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 976 |
| Net operating income | $2,043,000 | 2,419 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $17,584,000 | 1,881 |
| Total interest expense | $9,186,000 | 1,698 |
| Net interest income | $8,398,000 | 2,079 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $710,000 | 3,936 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $133,000 | 6,493 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $577,000 | 2,557 |
| Total noninterest expense | $5,937,000 | 2,160 |
| Salaries and employee benefits | $3,215,000 | 2,049 |
| Premises and equipment expense | $860,000 | 2,289 |
| Additional noninterest expense | $1,862,000 | 2,238 |
| Pre-tax net operating income | $3,051,000 | 2,456 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,014,000 | 2,407 |
| Income before extraordinary items | $2,037,000 | 2,541 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,037,000 | 2,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,453,000 | 621 |
| Cash dividends | $1,178,000 | 1,928 |
| Sale, conversion, retirement of capital stock, net | $119,000 | 748 |
| Net operating income | $2,037,000 | 2,489 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $15,603,000 | 2,163 |
| Total interest expense | $8,555,000 | 1,843 |
| Net interest income | $7,048,000 | 2,517 |
| Provision for loan and lease losses | $1,255,000 | 858 |
| Total noninterest income | $740,000 | 3,918 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $125,000 | 6,977 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $615,000 | 2,528 |
| Total noninterest expense | $6,899,000 | 2,029 |
| Salaries and employee benefits | $2,724,000 | 2,443 |
| Premises and equipment expense | $873,000 | 2,269 |
| Additional noninterest expense | $3,302,000 | 1,588 |
| Pre-tax net operating income | $-366,000 | 11,173 |
| Securities gains (losses) | $33,000 | 1,622 |
| Applicable income taxes | $-125,000 | 11,206 |
| Income before extraordinary items | $-208,000 | 11,116 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-208,000 | 11,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $1,178,000 | 1,920 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 696 |
| Net operating income | $-229,120 | 11,089 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,036,000 | 2,242 |
| Total interest expense | $8,972,000 | 1,771 |
| Net interest income | $6,064,000 | 2,931 |
| Provision for loan and lease losses | $46,000 | 6,390 |
| Total noninterest income | $821,000 | 3,619 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $159,000 | 6,470 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $662,000 | 2,384 |
| Total noninterest expense | $5,374,000 | 2,529 |
| Salaries and employee benefits | $2,775,000 | 2,397 |
| Premises and equipment expense | $806,000 | 2,457 |
| Additional noninterest expense | $1,793,000 | 2,633 |
| Pre-tax net operating income | $1,465,000 | 4,536 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $325,000 | 5,718 |
| Income before extraordinary items | $1,140,000 | 4,116 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,140,000 | 4,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $310,000 | 1,901 |
| Cash dividends | $589,000 | 3,012 |
| Sale, conversion, retirement of capital stock, net | $5,189,000 | 93 |
| Net operating income | $1,140,000 | 4,104 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $13,775,000 | 2,223 |
| Total interest expense | $6,743,000 | 1,865 |
| Net interest income | $7,032,000 | 2,558 |
| Provision for loan and lease losses | $236,000 | 2,743 |
| Total noninterest income | $608,000 | 4,610 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $134,000 | 7,250 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $474,000 | 3,053 |
| Total noninterest expense | $5,217,000 | 2,664 |
| Salaries and employee benefits | $2,546,000 | 2,614 |
| Premises and equipment expense | $792,000 | 2,548 |
| Additional noninterest expense | $1,879,000 | 2,722 |
| Pre-tax net operating income | $2,187,000 | 3,189 |
| Securities gains (losses) | $-444,000 | 12,215 |
| Applicable income taxes | $619,000 | 3,422 |
| Income before extraordinary items | $1,124,000 | 4,103 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,124,000 | 4,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,099 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,408,160 | 3,378 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $13,600,000 | 2,287 |
| Total interest expense | $6,808,000 | 1,911 |
| Net interest income | $6,792,000 | 2,651 |
| Provision for loan and lease losses | $686,000 | 1,690 |
| Total noninterest income | $675,000 | 4,552 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $135,000 | 7,460 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $540,000 | 3,099 |
| Total noninterest expense | $4,925,000 | 2,893 |
| Salaries and employee benefits | $2,436,000 | 2,718 |
| Premises and equipment expense | $806,000 | 2,541 |
| Additional noninterest expense | $1,683,000 | 3,170 |
| Pre-tax net operating income | $1,856,000 | 3,570 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $809,000 | 2,738 |
| Income before extraordinary items | $1,047,000 | 4,524 |
| Extraordinary gains, net | $496,000 | 477 |
| Net income | $1,543,000 | 3,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $412,000 | 2,015 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,047,000 | 4,277 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $16,132,000 | 2,194 |
| Total interest expense | $8,617,000 | 1,974 |
| Net interest income | $7,515,000 | 2,411 |
| Provision for loan and lease losses | $70,000 | 8,246 |
| Total noninterest income | $498,000 | 5,657 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $143,000 | 7,298 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $355,000 | 4,003 |
| Total noninterest expense | $5,022,000 | 2,856 |
| Salaries and employee benefits | $2,356,000 | 2,751 |
| Premises and equipment expense | $808,000 | 2,570 |
| Additional noninterest expense | $1,858,000 | 2,985 |
| Pre-tax net operating income | $2,921,000 | 2,132 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $848,000 | 2,451 |
| Income before extraordinary items | $2,073,000 | 2,210 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,073,000 | 2,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 9,616 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,073,000 | 2,026 |
* 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.