Home > Griffith Savings Bank > Income and Expense
Griffith Savings Bank, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $0 | 7,307 |
| Total interest expense | $0 | 7,294 |
| Net interest income | $0 | 7,306 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $0 | 7,087 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $0 | 7,087 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $0 | 6,842 |
| Total noninterest expense | $1,178,000 | 3,677 |
| Salaries and employee benefits | $0 | 7,291 |
| Premises and equipment expense | $0 | 7,279 |
| Additional noninterest expense | $1,178,000 | 1,430 |
| Pre-tax net operating income | $-1,178,000 | 7,172 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-1,178,000 | 7,184 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,178,000 | 7,184 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-1,178,000 | 7,184 |
| Net charge-offs | $0 | 4,730 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $-5,268,000 | 7,307 |
| Net operating income | $-1,178,000 | 7,178 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,171,000 | 5,049 |
| Total interest expense | $1,442,000 | 3,549 |
| Net interest income | $2,729,000 | 5,456 |
| Provision for loan and lease losses | $37,000 | 6,001 |
| Total noninterest income | $220,000 | 5,625 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $59,000 | 6,180 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $161,000 | 4,767 |
| Total noninterest expense | $2,637,000 | 5,212 |
| Salaries and employee benefits | $1,196,000 | 5,528 |
| Premises and equipment expense | $190,000 | 6,086 |
| Additional noninterest expense | $1,251,000 | 4,333 |
| Pre-tax net operating income | $275,000 | 5,312 |
| Securities gains (losses) | $1,000 | 3,733 |
| Applicable income taxes | $-12,000 | 6,601 |
| Income before extraordinary items | $288,000 | 5,289 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $288,000 | 5,291 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $288,000 | 5,291 |
| Net charge-offs | $370,000 | 3,548 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $287,000 | 5,180 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,086,000 | 5,132 |
| Total interest expense | $1,089,000 | 3,634 |
| Net interest income | $1,997,000 | 5,549 |
| Provision for loan and lease losses | $337,000 | 3,456 |
| Total noninterest income | $172,000 | 5,665 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $44,000 | 6,219 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $128,000 | 4,770 |
| Total noninterest expense | $1,811,000 | 5,434 |
| Salaries and employee benefits | $816,000 | 5,730 |
| Premises and equipment expense | $148,000 | 6,065 |
| Additional noninterest expense | $847,000 | 4,619 |
| Pre-tax net operating income | $21,000 | 6,071 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $-12,000 | 6,804 |
| Income before extraordinary items | $33,000 | 6,149 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $33,000 | 6,150 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $33,000 | 6,150 |
| Net charge-offs | $382,000 | 2,969 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $33,000 | 6,046 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,061,000 | 5,166 |
| Total interest expense | $729,000 | 3,715 |
| Net interest income | $1,332,000 | 5,590 |
| Provision for loan and lease losses | $287,000 | 3,091 |
| Total noninterest income | $124,000 | 5,595 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $30,000 | 6,196 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $94,000 | 4,639 |
| Total noninterest expense | $1,248,000 | 5,423 |
| Salaries and employee benefits | $555,000 | 5,741 |
| Premises and equipment expense | $102,000 | 6,055 |
| Additional noninterest expense | $591,000 | 4,567 |
| Pre-tax net operating income | $-79,000 | 6,387 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-21,000 | 6,931 |
| Income before extraordinary items | $-58,000 | 6,440 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-58,000 | 6,439 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-58,000 | 6,440 |
| Net charge-offs | $311,000 | 2,646 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-58,000 | 6,383 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,053,000 | 5,134 |
| Total interest expense | $368,000 | 3,801 |
| Net interest income | $685,000 | 5,528 |
| Provision for loan and lease losses | $142,000 | 2,951 |
| Total noninterest income | $70,000 | 5,483 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $17,000 | 6,004 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $53,000 | 4,572 |
| Total noninterest expense | $549,000 | 5,758 |
| Salaries and employee benefits | $262,000 | 5,887 |
| Premises and equipment expense | $53,000 | 6,034 |
| Additional noninterest expense | $234,000 | 5,161 |
| Pre-tax net operating income | $64,000 | 5,564 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $64,000 | 5,497 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $64,000 | 5,495 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $64,000 | 5,496 |
| Net charge-offs | $46,000 | 3,425 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $64,000 | 5,448 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,636,000 | 5,023 |
| Total interest expense | $1,958,000 | 3,629 |
| Net interest income | $2,678,000 | 5,618 |
| Provision for loan and lease losses | $1,853,000 | 2,179 |
| Total noninterest income | $216,000 | 5,850 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $78,000 | 5,806 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $138,000 | 5,068 |
| Total noninterest expense | $2,118,000 | 5,901 |
| Salaries and employee benefits | $960,000 | 6,109 |
| Premises and equipment expense | $234,000 | 5,913 |
| Additional noninterest expense | $924,000 | 5,293 |
| Pre-tax net operating income | $-1,077,000 | 6,516 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $689,000 | 1,581 |
| Income before extraordinary items | $-1,766,000 | 6,801 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,766,000 | 6,802 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,766,000 | 6,802 |
| Net charge-offs | $1,441,000 | 2,222 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,766,000 | 6,773 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,550,000 | 5,056 |
| Total interest expense | $1,525,000 | 3,659 |
| Net interest income | $2,025,000 | 5,673 |
| Provision for loan and lease losses | $1,608,000 | 1,893 |
| Total noninterest income | $156,000 | 6,021 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $60,000 | 5,855 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $96,000 | 5,256 |
| Total noninterest expense | $1,632,000 | 5,863 |
| Salaries and employee benefits | $743,000 | 6,095 |
| Premises and equipment expense | $146,000 | 6,328 |
| Additional noninterest expense | $743,000 | 5,111 |
| Pre-tax net operating income | $-1,059,000 | 6,814 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-463,000 | 7,354 |
| Income before extraordinary items | $-596,000 | 6,725 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-596,000 | 6,726 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-596,000 | 6,726 |
| Net charge-offs | $1,224,000 | 1,972 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-596,000 | 6,668 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,406,000 | 5,056 |
| Total interest expense | $1,062,000 | 3,648 |
| Net interest income | $1,344,000 | 5,698 |
| Provision for loan and lease losses | $300,000 | 3,591 |
| Total noninterest income | $101,000 | 6,052 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $38,000 | 5,948 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $63,000 | 5,311 |
| Total noninterest expense | $1,098,000 | 5,885 |
| Salaries and employee benefits | $484,000 | 6,180 |
| Premises and equipment expense | $97,000 | 6,354 |
| Additional noninterest expense | $517,000 | 5,001 |
| Pre-tax net operating income | $47,000 | 5,825 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-10,000 | 6,927 |
| Income before extraordinary items | $57,000 | 5,843 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $57,000 | 5,845 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $57,000 | 5,844 |
| Net charge-offs | $90,000 | 4,353 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $57,000 | 5,731 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,195,000 | 5,144 |
| Total interest expense | $555,000 | 3,644 |
| Net interest income | $640,000 | 5,851 |
| Provision for loan and lease losses | $150,000 | 3,336 |
| Total noninterest income | $47,000 | 6,211 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $18,000 | 6,033 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $29,000 | 5,481 |
| Total noninterest expense | $546,000 | 5,973 |
| Salaries and employee benefits | $229,000 | 6,368 |
| Premises and equipment expense | $55,000 | 6,222 |
| Additional noninterest expense | $262,000 | 4,984 |
| Pre-tax net operating income | $-9,000 | 6,321 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-18,000 | 7,177 |
| Income before extraordinary items | $9,000 | 6,270 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $9,000 | 6,273 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $9,000 | 6,272 |
| Net charge-offs | $18,000 | 4,498 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $9,000 | 6,162 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,199,000 | 5,020 |
| Total interest expense | $2,537,000 | 3,856 |
| Net interest income | $2,662,000 | 5,674 |
| Provision for loan and lease losses | $2,821,000 | 2,055 |
| Total noninterest income | $276,000 | 5,736 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $99,000 | 5,770 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $177,000 | 4,837 |
| Total noninterest expense | $2,177,000 | 6,029 |
| Salaries and employee benefits | $1,027,000 | 6,179 |
| Premises and equipment expense | $203,000 | 6,461 |
| Additional noninterest expense | $947,000 | 5,384 |
| Pre-tax net operating income | $-2,060,000 | 6,648 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-861,000 | 7,226 |
| Income before extraordinary items | $-1,199,000 | 6,447 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,199,000 | 6,447 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,199,000 | 6,447 |
| Net charge-offs | $1,853,000 | 2,125 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,199,000 | 6,443 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,971,000 | 5,033 |
| Total interest expense | $1,961,000 | 3,893 |
| Net interest income | $2,010,000 | 5,688 |
| Provision for loan and lease losses | $1,510,000 | 2,198 |
| Total noninterest income | $205,000 | 5,832 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $75,000 | 5,800 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $130,000 | 5,006 |
| Total noninterest expense | $1,581,000 | 6,120 |
| Salaries and employee benefits | $839,000 | 6,026 |
| Premises and equipment expense | $133,000 | 6,726 |
| Additional noninterest expense | $609,000 | 5,777 |
| Pre-tax net operating income | $-876,000 | 6,588 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-404,000 | 7,284 |
| Income before extraordinary items | $-472,000 | 6,406 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-472,000 | 6,407 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-472,000 | 6,406 |
| Net charge-offs | $730,000 | 2,589 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-472,000 | 6,396 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,646,000 | 5,073 |
| Total interest expense | $1,324,000 | 3,983 |
| Net interest income | $1,322,000 | 5,737 |
| Provision for loan and lease losses | $1,460,000 | 1,672 |
| Total noninterest income | $140,000 | 5,844 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $50,000 | 5,799 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $90,000 | 4,981 |
| Total noninterest expense | $1,094,000 | 6,076 |
| Salaries and employee benefits | $586,000 | 5,987 |
| Premises and equipment expense | $86,000 | 6,840 |
| Additional noninterest expense | $422,000 | 5,689 |
| Pre-tax net operating income | $-1,092,000 | 7,063 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-484,000 | 7,567 |
| Income before extraordinary items | $-608,000 | 6,869 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-608,000 | 6,869 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-608,000 | 6,869 |
| Net charge-offs | $618,000 | 2,104 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-608,000 | 6,855 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,326,000 | 5,104 |
| Total interest expense | $663,000 | 4,092 |
| Net interest income | $663,000 | 5,724 |
| Provision for loan and lease losses | $88,000 | 4,135 |
| Total noninterest income | $79,000 | 5,610 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $24,000 | 5,827 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $55,000 | 4,661 |
| Total noninterest expense | $549,000 | 6,028 |
| Salaries and employee benefits | $318,000 | 5,836 |
| Premises and equipment expense | $46,000 | 6,774 |
| Additional noninterest expense | $185,000 | 5,787 |
| Pre-tax net operating income | $105,000 | 4,976 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $35,000 | 3,173 |
| Income before extraordinary items | $70,000 | 5,394 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $70,000 | 5,399 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $70,000 | 5,398 |
| Net charge-offs | $68,000 | 3,259 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $70,000 | 5,218 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,467,000 | 5,200 |
| Total interest expense | $2,971,000 | 4,275 |
| Net interest income | $2,496,000 | 5,913 |
| Provision for loan and lease losses | $493,000 | 3,833 |
| Total noninterest income | $207,000 | 6,438 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $99,000 | 5,907 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $108,000 | 5,814 |
| Total noninterest expense | $1,866,000 | 6,410 |
| Salaries and employee benefits | $1,095,000 | 6,220 |
| Premises and equipment expense | $157,000 | 7,078 |
| Additional noninterest expense | $614,000 | 6,178 |
| Pre-tax net operating income | $344,000 | 5,306 |
| Securities gains (losses) | $-97,000 | 7,242 |
| Applicable income taxes | $112,000 | 3,302 |
| Income before extraordinary items | $135,000 | 5,738 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $135,000 | 5,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $382,000 | 3,186 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $197,080 | 5,649 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,121,000 | 5,262 |
| Total interest expense | $2,243,000 | 4,384 |
| Net interest income | $1,878,000 | 5,950 |
| Provision for loan and lease losses | $493,000 | 2,749 |
| Total noninterest income | $132,000 | 6,764 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $69,000 | 6,058 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $63,000 | 6,297 |
| Total noninterest expense | $1,539,000 | 6,159 |
| Salaries and employee benefits | $923,000 | 5,909 |
| Premises and equipment expense | $122,000 | 7,065 |
| Additional noninterest expense | $494,000 | 5,935 |
| Pre-tax net operating income | $-22,000 | 6,791 |
| Securities gains (losses) | $-61,000 | 7,492 |
| Applicable income taxes | $-33,000 | 7,404 |
| Income before extraordinary items | $-50,000 | 6,697 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-50,000 | 6,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $347,000 | 2,387 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-10,960 | 6,795 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,745,000 | 5,342 |
| Total interest expense | $1,498,000 | 4,507 |
| Net interest income | $1,247,000 | 5,968 |
| Provision for loan and lease losses | $228,000 | 2,944 |
| Total noninterest income | $67,000 | 7,184 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $36,000 | 6,359 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $31,000 | 6,744 |
| Total noninterest expense | $1,021,000 | 6,220 |
| Salaries and employee benefits | $611,000 | 5,994 |
| Premises and equipment expense | $75,000 | 7,252 |
| Additional noninterest expense | $335,000 | 5,881 |
| Pre-tax net operating income | $65,000 | 6,600 |
| Securities gains (losses) | $-11,000 | 8,128 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $54,000 | 6,673 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $54,000 | 6,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 2,536 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $65,000 | 6,519 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,377,000 | 5,425 |
| Total interest expense | $765,000 | 4,638 |
| Net interest income | $612,000 | 6,057 |
| Provision for loan and lease losses | $75,000 | 3,123 |
| Total noninterest income | $16,000 | 7,860 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $18,000 | 6,345 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-2,000 | 8,378 |
| Total noninterest expense | $506,000 | 6,269 |
| Salaries and employee benefits | $297,000 | 6,113 |
| Premises and equipment expense | $36,000 | 7,313 |
| Additional noninterest expense | $173,000 | 5,772 |
| Pre-tax net operating income | $47,000 | 6,652 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $8,000 | 4,911 |
| Income before extraordinary items | $39,000 | 6,738 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $39,000 | 6,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 1,882 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $39,000 | 6,638 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,649,000 | 5,402 |
| Total interest expense | $3,061,000 | 4,740 |
| Net interest income | $2,588,000 | 5,885 |
| Provision for loan and lease losses | $355,000 | 2,893 |
| Total noninterest income | $143,000 | 7,201 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $74,000 | 6,383 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $69,000 | 6,726 |
| Total noninterest expense | $1,908,000 | 6,331 |
| Salaries and employee benefits | $1,162,000 | 6,074 |
| Premises and equipment expense | $187,000 | 6,860 |
| Additional noninterest expense | $559,000 | 6,318 |
| Pre-tax net operating income | $468,000 | 6,087 |
| Securities gains (losses) | $-41,000 | 7,967 |
| Applicable income taxes | $106,000 | 4,440 |
| Income before extraordinary items | $321,000 | 6,345 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $321,000 | 6,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 3,065 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $351,750 | 6,225 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,203,000 | 5,431 |
| Total interest expense | $2,271,000 | 4,778 |
| Net interest income | $1,932,000 | 5,924 |
| Provision for loan and lease losses | $306,000 | 2,282 |
| Total noninterest income | $153,000 | 6,748 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $52,000 | 6,491 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $101,000 | 5,789 |
| Total noninterest expense | $1,444,000 | 6,299 |
| Salaries and employee benefits | $833,000 | 6,193 |
| Premises and equipment expense | $144,000 | 6,807 |
| Additional noninterest expense | $467,000 | 5,992 |
| Pre-tax net operating income | $335,000 | 6,425 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $103,000 | 4,412 |
| Income before extraordinary items | $232,000 | 6,646 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $232,000 | 6,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 2,576 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $232,000 | 6,630 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,809,000 | 5,457 |
| Total interest expense | $1,508,000 | 4,793 |
| Net interest income | $1,301,000 | 5,945 |
| Provision for loan and lease losses | $215,000 | 2,051 |
| Total noninterest income | $95,000 | 6,911 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $33,000 | 6,573 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $62,000 | 5,942 |
| Total noninterest expense | $914,000 | 6,469 |
| Salaries and employee benefits | $552,000 | 6,260 |
| Premises and equipment expense | $77,000 | 7,223 |
| Additional noninterest expense | $285,000 | 6,249 |
| Pre-tax net operating income | $267,000 | 6,246 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $86,000 | 4,276 |
| Income before extraordinary items | $181,000 | 6,517 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $181,000 | 6,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 2,303 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $181,000 | 6,510 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,392,000 | 5,484 |
| Total interest expense | $762,000 | 4,721 |
| Net interest income | $630,000 | 6,032 |
| Provision for loan and lease losses | $150,000 | 1,427 |
| Total noninterest income | $46,000 | 6,946 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $15,000 | 6,674 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $31,000 | 5,926 |
| Total noninterest expense | $444,000 | 6,582 |
| Salaries and employee benefits | $266,000 | 6,391 |
| Premises and equipment expense | $41,000 | 7,142 |
| Additional noninterest expense | $137,000 | 6,368 |
| Pre-tax net operating income | $82,000 | 6,896 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $20,000 | 4,933 |
| Income before extraordinary items | $62,000 | 6,984 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $62,000 | 6,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 2,057 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $62,000 | 6,968 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,393,000 | 5,340 |
| Total interest expense | $2,592,000 | 4,728 |
| Net interest income | $2,801,000 | 5,727 |
| Provision for loan and lease losses | $180,000 | 3,697 |
| Total noninterest income | $177,000 | 7,108 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $61,000 | 6,711 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $116,000 | 6,074 |
| Total noninterest expense | $1,766,000 | 6,491 |
| Salaries and employee benefits | $1,042,000 | 6,308 |
| Premises and equipment expense | $180,000 | 6,924 |
| Additional noninterest expense | $544,000 | 6,336 |
| Pre-tax net operating income | $1,032,000 | 5,122 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $386,000 | 3,475 |
| Income before extraordinary items | $646,000 | 5,667 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $646,000 | 5,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 2,691 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $646,000 | 5,650 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,960,000 | 5,404 |
| Total interest expense | $1,831,000 | 4,807 |
| Net interest income | $2,129,000 | 5,734 |
| Provision for loan and lease losses | $150,000 | 3,386 |
| Total noninterest income | $132,000 | 7,150 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $45,000 | 6,821 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $87,000 | 6,082 |
| Total noninterest expense | $1,310,000 | 6,518 |
| Salaries and employee benefits | $773,000 | 6,327 |
| Premises and equipment expense | $131,000 | 7,005 |
| Additional noninterest expense | $406,000 | 6,352 |
| Pre-tax net operating income | $801,000 | 5,225 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $300,000 | 3,579 |
| Income before extraordinary items | $501,000 | 5,757 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $501,000 | 5,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 2,259 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $501,000 | 5,757 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,570,000 | 5,441 |
| Total interest expense | $1,167,000 | 4,805 |
| Net interest income | $1,403,000 | 5,797 |
| Provision for loan and lease losses | $70,000 | 3,903 |
| Total noninterest income | $83,000 | 7,281 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $24,000 | 7,037 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $59,000 | 6,112 |
| Total noninterest expense | $866,000 | 6,564 |
| Salaries and employee benefits | $522,000 | 6,318 |
| Premises and equipment expense | $83,000 | 7,114 |
| Additional noninterest expense | $261,000 | 6,463 |
| Pre-tax net operating income | $550,000 | 5,209 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $205,000 | 3,582 |
| Income before extraordinary items | $345,000 | 5,718 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $345,000 | 5,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 2,779 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $345,000 | 5,718 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,264,000 | 5,431 |
| Total interest expense | $536,000 | 4,922 |
| Net interest income | $728,000 | 5,684 |
| Provision for loan and lease losses | $40,000 | 3,523 |
| Total noninterest income | $44,000 | 7,159 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $12,000 | 7,044 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $32,000 | 5,945 |
| Total noninterest expense | $412,000 | 6,700 |
| Salaries and employee benefits | $253,000 | 6,424 |
| Premises and equipment expense | $41,000 | 7,158 |
| Additional noninterest expense | $118,000 | 6,671 |
| Pre-tax net operating income | $320,000 | 4,794 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $118,000 | 3,364 |
| Income before extraordinary items | $202,000 | 5,334 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $202,000 | 5,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 1,070 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $202,000 | 5,335 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,143,000 | 5,068 |
| Total interest expense | $2,025,000 | 4,393 |
| Net interest income | $3,118,000 | 5,385 |
| Provision for loan and lease losses | $145,000 | 4,203 |
| Total noninterest income | $139,000 | 7,586 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $39,000 | 7,245 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $100,000 | 6,402 |
| Total noninterest expense | $1,750,000 | 6,488 |
| Salaries and employee benefits | $1,101,000 | 6,058 |
| Premises and equipment expense | $156,000 | 7,202 |
| Additional noninterest expense | $493,000 | 6,627 |
| Pre-tax net operating income | $1,362,000 | 4,615 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $492,000 | 3,392 |
| Income before extraordinary items | $870,000 | 5,158 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $870,000 | 5,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 2,333 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $870,000 | 5,130 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,865,000 | 5,033 |
| Total interest expense | $1,495,000 | 4,297 |
| Net interest income | $2,370,000 | 5,347 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $111,000 | 7,538 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $30,000 | 7,268 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $81,000 | 6,299 |
| Total noninterest expense | $1,315,000 | 6,474 |
| Salaries and employee benefits | $829,000 | 6,016 |
| Premises and equipment expense | $114,000 | 7,262 |
| Additional noninterest expense | $372,000 | 6,571 |
| Pre-tax net operating income | $1,076,000 | 4,588 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $507,000 | 2,908 |
| Income before extraordinary items | $569,000 | 5,592 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $569,000 | 5,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 2,170 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $569,000 | 5,552 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,593,000 | 4,943 |
| Total interest expense | $985,000 | 4,179 |
| Net interest income | $1,608,000 | 5,274 |
| Provision for loan and lease losses | $70,000 | 3,946 |
| Total noninterest income | $69,000 | 7,632 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $21,000 | 7,247 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $48,000 | 6,470 |
| Total noninterest expense | $847,000 | 6,587 |
| Salaries and employee benefits | $538,000 | 6,126 |
| Premises and equipment expense | $74,000 | 7,300 |
| Additional noninterest expense | $235,000 | 6,712 |
| Pre-tax net operating income | $760,000 | 4,409 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $340,000 | 2,876 |
| Income before extraordinary items | $420,000 | 5,323 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $420,000 | 5,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 1,987 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $420,000 | 5,282 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,313,000 | 4,891 |
| Total interest expense | $485,000 | 4,106 |
| Net interest income | $828,000 | 5,230 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $37,000 | 7,531 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $12,000 | 7,169 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,471 |
| Total noninterest expense | $422,000 | 6,641 |
| Salaries and employee benefits | $271,000 | 6,125 |
| Premises and equipment expense | $38,000 | 7,311 |
| Additional noninterest expense | $113,000 | 6,832 |
| Pre-tax net operating income | $443,000 | 4,006 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $167,000 | 2,908 |
| Income before extraordinary items | $276,000 | 4,598 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $276,000 | 4,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,643 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $276,000 | 4,553 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,918,000 | 4,900 |
| Total interest expense | $1,795,000 | 3,984 |
| Net interest income | $3,123,000 | 5,291 |
| Provision for loan and lease losses | $206,000 | 3,634 |
| Total noninterest income | $129,000 | 7,802 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $38,000 | 7,455 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $91,000 | 6,570 |
| Total noninterest expense | $1,528,000 | 6,839 |
| Salaries and employee benefits | $909,000 | 6,572 |
| Premises and equipment expense | $145,000 | 7,385 |
| Additional noninterest expense | $474,000 | 6,709 |
| Pre-tax net operating income | $1,518,000 | 4,220 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $561,000 | 3,146 |
| Income before extraordinary items | $957,000 | 4,809 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $957,000 | 4,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,319 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $957,000 | 4,742 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,686,000 | 4,884 |
| Total interest expense | $1,319,000 | 4,009 |
| Net interest income | $2,367,000 | 5,242 |
| Provision for loan and lease losses | $156,000 | 3,462 |
| Total noninterest income | $96,000 | 7,856 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $29,000 | 7,502 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $67,000 | 6,620 |
| Total noninterest expense | $1,104,000 | 6,911 |
| Salaries and employee benefits | $648,000 | 6,694 |
| Premises and equipment expense | $101,000 | 7,508 |
| Additional noninterest expense | $355,000 | 6,670 |
| Pre-tax net operating income | $1,203,000 | 4,146 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $448,000 | 3,089 |
| Income before extraordinary items | $755,000 | 4,768 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $755,000 | 4,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,184 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $755,000 | 4,677 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,426,000 | 4,940 |
| Total interest expense | $886,000 | 3,976 |
| Net interest income | $1,540,000 | 5,314 |
| Provision for loan and lease losses | $70,000 | 4,107 |
| Total noninterest income | $58,000 | 8,010 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $16,000 | 7,629 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $42,000 | 6,726 |
| Total noninterest expense | $720,000 | 7,010 |
| Salaries and employee benefits | $422,000 | 6,806 |
| Premises and equipment expense | $67,000 | 7,546 |
| Additional noninterest expense | $231,000 | 6,774 |
| Pre-tax net operating income | $808,000 | 4,083 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $300,000 | 3,089 |
| Income before extraordinary items | $508,000 | 4,698 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $508,000 | 4,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $508,000 | 4,607 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,217,000 | 4,958 |
| Total interest expense | $442,000 | 4,024 |
| Net interest income | $775,000 | 5,313 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $26,000 | 8,131 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $8,000 | 7,614 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $18,000 | 6,980 |
| Total noninterest expense | $359,000 | 7,051 |
| Salaries and employee benefits | $219,000 | 6,733 |
| Premises and equipment expense | $33,000 | 7,611 |
| Additional noninterest expense | $107,000 | 6,978 |
| Pre-tax net operating income | $442,000 | 3,827 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $177,000 | 2,786 |
| Income before extraordinary items | $265,000 | 4,601 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $265,000 | 4,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,775 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $265,000 | 4,473 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,905,000 | 4,956 |
| Total interest expense | $2,498,000 | 3,339 |
| Net interest income | $2,407,000 | 6,026 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $149,000 | 7,814 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $29,000 | 7,734 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $120,000 | 6,224 |
| Total noninterest expense | $1,432,000 | 7,013 |
| Salaries and employee benefits | $852,000 | 6,743 |
| Premises and equipment expense | $140,000 | 7,541 |
| Additional noninterest expense | $440,000 | 6,901 |
| Pre-tax net operating income | $1,124,000 | 4,852 |
| Securities gains (losses) | $67,000 | 2,251 |
| Applicable income taxes | $415,000 | 3,703 |
| Income before extraordinary items | $776,000 | 5,315 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $776,000 | 5,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,046 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $732,450 | 5,313 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,736,000 | 4,971 |
| Total interest expense | $2,019,000 | 3,263 |
| Net interest income | $1,717,000 | 6,221 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $99,000 | 8,038 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $21,000 | 7,816 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $78,000 | 6,505 |
| Total noninterest expense | $1,081,000 | 7,003 |
| Salaries and employee benefits | $634,000 | 6,769 |
| Premises and equipment expense | $107,000 | 7,515 |
| Additional noninterest expense | $340,000 | 6,804 |
| Pre-tax net operating income | $735,000 | 5,391 |
| Securities gains (losses) | $66,000 | 2,089 |
| Applicable income taxes | $279,000 | 4,052 |
| Income before extraordinary items | $522,000 | 5,740 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $522,000 | 5,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,281 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $479,100 | 5,788 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,538,000 | 4,941 |
| Total interest expense | $1,396,000 | 3,254 |
| Net interest income | $1,142,000 | 6,228 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $65,000 | 8,044 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $13,000 | 7,851 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $52,000 | 6,500 |
| Total noninterest expense | $714,000 | 7,038 |
| Salaries and employee benefits | $419,000 | 6,822 |
| Premises and equipment expense | $69,000 | 7,580 |
| Additional noninterest expense | $226,000 | 6,816 |
| Pre-tax net operating income | $493,000 | 5,338 |
| Securities gains (losses) | $88,000 | 1,602 |
| Applicable income taxes | $198,000 | 3,988 |
| Income before extraordinary items | $383,000 | 5,523 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $383,000 | 5,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,638 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $324,920 | 5,715 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,266,000 | 4,961 |
| Total interest expense | $678,000 | 3,400 |
| Net interest income | $588,000 | 6,118 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $31,000 | 8,103 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $8,000 | 7,776 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $23,000 | 6,700 |
| Total noninterest expense | $355,000 | 7,080 |
| Salaries and employee benefits | $209,000 | 6,853 |
| Premises and equipment expense | $32,000 | 7,760 |
| Additional noninterest expense | $114,000 | 6,780 |
| Pre-tax net operating income | $264,000 | 5,136 |
| Securities gains (losses) | $39,000 | 1,535 |
| Applicable income taxes | $101,000 | 3,916 |
| Income before extraordinary items | $202,000 | 5,310 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $202,000 | 5,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $175,870 | 5,465 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,624,000 | 5,443 |
| Total interest expense | $2,827,000 | 3,710 |
| Net interest income | $1,797,000 | 6,963 |
| Provision for loan and lease losses | $34,000 | 7,128 |
| Total noninterest income | $123,000 | 8,133 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $31,000 | 7,841 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $92,000 | 6,607 |
| Total noninterest expense | $1,216,000 | 7,432 |
| Salaries and employee benefits | $689,000 | 7,319 |
| Premises and equipment expense | $113,000 | 7,983 |
| Additional noninterest expense | $414,000 | 7,048 |
| Pre-tax net operating income | $670,000 | 6,188 |
| Securities gains (losses) | $92,000 | 1,828 |
| Applicable income taxes | $255,000 | 4,727 |
| Income before extraordinary items | $507,000 | 6,364 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $507,000 | 6,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,528 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $445,360 | 6,501 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,273,000 | 6,126 |
| Total interest expense | $2,789,000 | 5,008 |
| Net interest income | $1,484,000 | 7,360 |
| Provision for loan and lease losses | $28,000 | 7,315 |
| Total noninterest income | $132,000 | 8,067 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $20,000 | 8,125 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $112,000 | 6,154 |
| Total noninterest expense | $1,197,000 | 7,467 |
| Salaries and employee benefits | $686,000 | 7,255 |
| Premises and equipment expense | $109,000 | 8,166 |
| Additional noninterest expense | $402,000 | 7,127 |
| Pre-tax net operating income | $391,000 | 7,022 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $120,000 | 5,770 |
| Income before extraordinary items | $271,000 | 7,307 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $271,000 | 7,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,344 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $271,000 | 7,189 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,135,000 | 6,373 |
| Total interest expense | $2,721,000 | 5,281 |
| Net interest income | $1,414,000 | 7,627 |
| Provision for loan and lease losses | $5,000 | 8,144 |
| Total noninterest income | $80,000 | 8,883 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 8,160 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 7,661 |
| Total noninterest expense | $1,111,000 | 7,708 |
| Salaries and employee benefits | $577,000 | 7,824 |
| Premises and equipment expense | $122,000 | 8,066 |
| Additional noninterest expense | $412,000 | 7,054 |
| Pre-tax net operating income | $378,000 | 7,564 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $109,000 | 6,406 |
| Income before extraordinary items | $269,000 | 7,658 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $269,000 | 7,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $269,000 | 7,662 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,898,000 | 6,455 |
| Total interest expense | $2,474,000 | 5,223 |
| Net interest income | $1,424,000 | 7,742 |
| Provision for loan and lease losses | $12,000 | 7,978 |
| Total noninterest income | $17,000 | 9,989 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $8,000 | 8,712 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 9,783 |
| Total noninterest expense | $967,000 | 8,222 |
| Salaries and employee benefits | $465,000 | 8,535 |
| Premises and equipment expense | $148,000 | 7,698 |
| Additional noninterest expense | $354,000 | 7,667 |
| Pre-tax net operating income | $462,000 | 7,317 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $158,000 | 6,174 |
| Income before extraordinary items | $304,000 | 7,571 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $304,000 | 7,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $304,000 | 7,545 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,795,000 | 6,665 |
| Total interest expense | $2,491,000 | 5,381 |
| Net interest income | $1,304,000 | 8,112 |
| Provision for loan and lease losses | $3,000 | 8,549 |
| Total noninterest income | $14,000 | 10,263 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 9,010 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 9,880 |
| Total noninterest expense | $909,000 | 8,401 |
| Salaries and employee benefits | $424,000 | 8,817 |
| Premises and equipment expense | $148,000 | 7,696 |
| Additional noninterest expense | $337,000 | 7,772 |
| Pre-tax net operating income | $406,000 | 7,847 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $158,000 | 6,747 |
| Income before extraordinary items | $248,000 | 8,260 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $248,000 | 8,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $248,000 | 8,187 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,514,000 | 7,140 |
| Total interest expense | $2,237,000 | 5,818 |
| Net interest income | $1,277,000 | 8,517 |
| Provision for loan and lease losses | $-1,000 | 10,576 |
| Total noninterest income | $8,000 | 10,802 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 9,432 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 10,622 |
| Total noninterest expense | $1,055,000 | 8,152 |
| Salaries and employee benefits | $444,000 | 8,983 |
| Premises and equipment expense | $115,000 | 8,614 |
| Additional noninterest expense | $496,000 | 6,530 |
| Pre-tax net operating income | $231,000 | 9,402 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $95,000 | 8,486 |
| Income before extraordinary items | $140,000 | 9,669 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $140,000 | 9,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $137,440 | 9,657 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,334,000 | 7,572 |
| Total interest expense | $2,129,000 | 6,167 |
| Net interest income | $1,205,000 | 9,021 |
| Provision for loan and lease losses | $1,000 | 9,010 |
| Total noninterest income | $6,000 | 11,345 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 9,861 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 11,246 |
| Total noninterest expense | $1,053,000 | 8,495 |
| Salaries and employee benefits | $412,000 | 9,523 |
| Premises and equipment expense | $91,000 | 9,522 |
| Additional noninterest expense | $550,000 | 6,679 |
| Pre-tax net operating income | $157,000 | 10,038 |
| Securities gains (losses) | $12,000 | 2,365 |
| Applicable income taxes | $68,000 | 9,357 |
| Income before extraordinary items | $101,000 | 10,209 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $101,000 | 10,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $93,320 | 10,230 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,957,000 | 8,271 |
| Total interest expense | $1,854,000 | 6,771 |
| Net interest income | $1,103,000 | 9,618 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $7,000 | 11,890 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 10,293 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 11,753 |
| Total noninterest expense | $746,000 | 10,002 |
| Salaries and employee benefits | $371,000 | 10,161 |
| Premises and equipment expense | $94,000 | 9,797 |
| Additional noninterest expense | $281,000 | 9,475 |
| Pre-tax net operating income | $364,000 | 9,301 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $146,000 | 8,329 |
| Income before extraordinary items | $218,000 | 9,737 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $218,000 | 9,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $218,000 | 9,707 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,510,000 | 8,891 |
| Total interest expense | $1,382,000 | 7,258 |
| Net interest income | $1,128,000 | 9,975 |
| Provision for loan and lease losses | $2,000 | 9,032 |
| Total noninterest income | $34,000 | 12,213 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $34,000 | 10,550 |
| Total noninterest expense | $655,000 | 10,892 |
| Salaries and employee benefits | $357,000 | 10,669 |
| Premises and equipment expense | $133,000 | 9,004 |
| Additional noninterest expense | $165,000 | 11,585 |
| Pre-tax net operating income | $505,000 | 8,618 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $203,000 | 7,293 |
| Income before extraordinary items | $302,000 | 9,121 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $302,000 | 9,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $302,000 | 9,196 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,520,000 | 9,141 |
| Total interest expense | $1,478,000 | 7,279 |
| Net interest income | $1,042,000 | 10,621 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $39,000 | 12,795 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $39,000 | 10,733 |
| Total noninterest expense | $583,000 | 11,732 |
| Salaries and employee benefits | $350,000 | 11,150 |
| Premises and equipment expense | $131,000 | 9,437 |
| Additional noninterest expense | $102,000 | 12,912 |
| Pre-tax net operating income | $498,000 | 8,673 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $184,000 | 7,926 |
| Income before extraordinary items | $314,000 | 9,317 |
| Extraordinary gains, net | $-64,000 | 12,794 |
| Net income | $250,000 | 10,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $314,000 | 9,062 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,682,000 | 9,570 |
| Total interest expense | $1,834,000 | 7,527 |
| Net interest income | $848,000 | 11,714 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $46,000 | 13,204 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $46,000 | 10,672 |
| Total noninterest expense | $544,000 | 12,378 |
| Salaries and employee benefits | $315,000 | 11,848 |
| Premises and equipment expense | $109,000 | 10,409 |
| Additional noninterest expense | $120,000 | 13,325 |
| Pre-tax net operating income | $350,000 | 9,690 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $120,000 | 9,356 |
| Income before extraordinary items | $230,000 | 10,184 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $230,000 | 10,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $230,000 | 9,825 |
* 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.