Home > Guaranty Bank > Income and Expense
Guaranty Bank, Income and Expense
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $5,492,000 | 4,069 |
| Total interest expense | $859,000 | 3,958 |
| Net interest income | $4,633,000 | 4,001 |
| Provision for loan and lease losses | $0 | 5,905 |
| Total noninterest income | $568,000 | 4,269 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $281,000 | 3,614 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $287,000 | 4,090 |
| Total noninterest expense | $4,250,000 | 3,864 |
| Salaries and employee benefits | $2,674,000 | 3,395 |
| Premises and equipment expense | $416,000 | 4,231 |
| Additional noninterest expense | $1,160,000 | 4,433 |
| Pre-tax net operating income | $951,000 | 4,080 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $210,000 | 2,969 |
| Income before extraordinary items | $741,000 | 4,385 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $741,000 | 4,382 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $741,000 | 4,384 |
| Net charge-offs | $19,000 | 5,426 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $741,000 | 4,216 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $4,173,000 | 4,101 |
| Total interest expense | $661,000 | 4,027 |
| Net interest income | $3,512,000 | 4,033 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $395,000 | 4,447 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $213,000 | 3,629 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $182,000 | 4,381 |
| Total noninterest expense | $2,785,000 | 4,254 |
| Salaries and employee benefits | $1,658,000 | 3,887 |
| Premises and equipment expense | $309,000 | 4,289 |
| Additional noninterest expense | $818,000 | 4,616 |
| Pre-tax net operating income | $1,122,000 | 3,432 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $290,000 | 2,503 |
| Income before extraordinary items | $832,000 | 3,795 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $832,000 | 3,795 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $832,000 | 3,796 |
| Net charge-offs | $4,000 | 5,545 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $832,000 | 3,624 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $2,786,000 | 4,132 |
| Total interest expense | $453,000 | 4,058 |
| Net interest income | $2,333,000 | 4,062 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $253,000 | 4,525 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $142,000 | 3,620 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $111,000 | 4,512 |
| Total noninterest expense | $1,839,000 | 4,293 |
| Salaries and employee benefits | $1,112,000 | 3,893 |
| Premises and equipment expense | $205,000 | 4,311 |
| Additional noninterest expense | $522,000 | 4,744 |
| Pre-tax net operating income | $747,000 | 3,418 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $190,000 | 2,490 |
| Income before extraordinary items | $557,000 | 3,787 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $557,000 | 3,789 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $557,000 | 3,790 |
| Net charge-offs | $5,000 | 5,162 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $557,000 | 3,601 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,396,000 | 4,183 |
| Total interest expense | $235,000 | 4,079 |
| Net interest income | $1,161,000 | 4,100 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $114,000 | 4,720 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $68,000 | 3,711 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $46,000 | 4,834 |
| Total noninterest expense | $923,000 | 4,311 |
| Salaries and employee benefits | $553,000 | 3,936 |
| Premises and equipment expense | $101,000 | 4,371 |
| Additional noninterest expense | $269,000 | 4,661 |
| Pre-tax net operating income | $352,000 | 3,543 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $84,000 | 2,604 |
| Income before extraordinary items | $268,000 | 3,846 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $268,000 | 3,850 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $268,000 | 3,850 |
| Net charge-offs | $9,000 | 4,072 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $268,000 | 3,686 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $5,581,000 | 4,268 |
| Total interest expense | $1,045,000 | 4,305 |
| Net interest income | $4,536,000 | 4,186 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $555,000 | 4,216 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $326,000 | 3,436 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $229,000 | 4,264 |
| Total noninterest expense | $3,850,000 | 4,225 |
| Salaries and employee benefits | $2,289,000 | 3,807 |
| Premises and equipment expense | $427,000 | 4,422 |
| Additional noninterest expense | $1,134,000 | 4,612 |
| Pre-tax net operating income | $1,241,000 | 3,343 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $292,000 | 2,561 |
| Income before extraordinary items | $949,000 | 3,647 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $949,000 | 3,650 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $949,000 | 3,650 |
| Net charge-offs | $121,000 | 4,812 |
| Cash dividends | $202,000 | 3,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $949,000 | 3,526 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,127,000 | 4,357 |
| Total interest expense | $792,000 | 4,386 |
| Net interest income | $3,335,000 | 4,259 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $403,000 | 4,314 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $249,000 | 3,405 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $154,000 | 4,486 |
| Total noninterest expense | $2,774,000 | 4,341 |
| Salaries and employee benefits | $1,590,000 | 4,016 |
| Premises and equipment expense | $329,000 | 4,404 |
| Additional noninterest expense | $855,000 | 4,589 |
| Pre-tax net operating income | $964,000 | 3,376 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $224,000 | 2,552 |
| Income before extraordinary items | $740,000 | 3,645 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $740,000 | 3,646 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $740,000 | 3,646 |
| Net charge-offs | $120,000 | 4,249 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $740,000 | 3,540 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,630,000 | 4,522 |
| Total interest expense | $536,000 | 4,466 |
| Net interest income | $2,094,000 | 4,453 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $261,000 | 4,403 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $159,000 | 3,477 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $102,000 | 4,511 |
| Total noninterest expense | $1,884,000 | 4,327 |
| Salaries and employee benefits | $1,050,000 | 4,069 |
| Premises and equipment expense | $212,000 | 4,529 |
| Additional noninterest expense | $622,000 | 4,432 |
| Pre-tax net operating income | $471,000 | 3,920 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $95,000 | 2,899 |
| Income before extraordinary items | $376,000 | 4,089 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $376,000 | 4,089 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $376,000 | 4,091 |
| Net charge-offs | $120,000 | 3,664 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $376,000 | 4,000 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,220,000 | 4,750 |
| Total interest expense | $274,000 | 4,530 |
| Net interest income | $946,000 | 4,740 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $128,000 | 4,473 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $80,000 | 3,436 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $48,000 | 4,728 |
| Total noninterest expense | $943,000 | 4,357 |
| Salaries and employee benefits | $507,000 | 4,185 |
| Premises and equipment expense | $107,000 | 4,537 |
| Additional noninterest expense | $329,000 | 4,276 |
| Pre-tax net operating income | $131,000 | 4,809 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $14,000 | 3,619 |
| Income before extraordinary items | $117,000 | 4,805 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $117,000 | 4,804 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $117,000 | 4,806 |
| Net charge-offs | $120,000 | 2,562 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $117,000 | 4,740 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $5,929,000 | 4,347 |
| Total interest expense | $1,202,000 | 4,818 |
| Net interest income | $4,727,000 | 4,109 |
| Provision for loan and lease losses | $0 | 7,042 |
| Total noninterest income | $208,000 | 5,901 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $356,000 | 3,305 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-148,000 | 7,238 |
| Total noninterest expense | $3,823,000 | 4,339 |
| Salaries and employee benefits | $2,200,000 | 3,957 |
| Premises and equipment expense | $433,000 | 4,553 |
| Additional noninterest expense | $1,190,000 | 4,636 |
| Pre-tax net operating income | $1,112,000 | 3,204 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $233,000 | 2,593 |
| Income before extraordinary items | $879,000 | 3,463 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $879,000 | 3,460 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $879,000 | 3,463 |
| Net charge-offs | $1,000 | 6,818 |
| Cash dividends | $216,000 | 3,219 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $879,000 | 3,338 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,435,000 | 4,448 |
| Total interest expense | $895,000 | 4,997 |
| Net interest income | $3,540,000 | 4,168 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $44,000 | 7,138 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $271,000 | 3,348 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-227,000 | 7,475 |
| Total noninterest expense | $2,778,000 | 4,444 |
| Salaries and employee benefits | $1,542,000 | 4,187 |
| Premises and equipment expense | $328,000 | 4,609 |
| Additional noninterest expense | $908,000 | 4,574 |
| Pre-tax net operating income | $806,000 | 3,455 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $154,000 | 2,774 |
| Income before extraordinary items | $652,000 | 3,637 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $652,000 | 3,635 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $652,000 | 3,637 |
| Net charge-offs | $-2,000 | 7,281 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $652,000 | 3,504 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,926,000 | 4,509 |
| Total interest expense | $588,000 | 5,112 |
| Net interest income | $2,338,000 | 4,207 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $-95,000 | 7,633 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $180,000 | 3,359 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-275,000 | 7,636 |
| Total noninterest expense | $1,861,000 | 4,452 |
| Salaries and employee benefits | $1,029,000 | 4,213 |
| Premises and equipment expense | $217,000 | 4,649 |
| Additional noninterest expense | $615,000 | 4,524 |
| Pre-tax net operating income | $382,000 | 4,060 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $54,000 | 3,226 |
| Income before extraordinary items | $328,000 | 4,147 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $328,000 | 4,147 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $328,000 | 4,146 |
| Net charge-offs | $-3,000 | 7,284 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $328,000 | 4,011 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,447,000 | 4,606 |
| Total interest expense | $288,000 | 5,277 |
| Net interest income | $1,159,000 | 4,254 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $130,000 | 4,571 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $90,000 | 3,359 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $40,000 | 5,053 |
| Total noninterest expense | $962,000 | 4,398 |
| Salaries and employee benefits | $514,000 | 4,271 |
| Premises and equipment expense | $109,000 | 4,723 |
| Additional noninterest expense | $339,000 | 4,249 |
| Pre-tax net operating income | $327,000 | 3,222 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $74,000 | 2,428 |
| Income before extraordinary items | $253,000 | 3,460 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $253,000 | 3,457 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $253,000 | 3,459 |
| Net charge-offs | $-8,000 | 7,437 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $253,000 | 3,337 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,870,000 | 4,689 |
| Total interest expense | $1,266,000 | 5,543 |
| Net interest income | $4,604,000 | 4,157 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $520,000 | 4,663 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $349,000 | 3,598 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $171,000 | 4,901 |
| Total noninterest expense | $3,814,000 | 4,468 |
| Salaries and employee benefits | $2,161,000 | 4,121 |
| Premises and equipment expense | $454,000 | 4,645 |
| Additional noninterest expense | $1,199,000 | 4,749 |
| Pre-tax net operating income | $1,310,000 | 2,566 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $311,000 | 1,998 |
| Income before extraordinary items | $999,000 | 2,787 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $999,000 | 2,786 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $999,000 | 2,787 |
| Net charge-offs | $54,000 | 6,160 |
| Cash dividends | $187,000 | 3,710 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $999,000 | 2,726 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,358,000 | 4,770 |
| Total interest expense | $970,000 | 5,630 |
| Net interest income | $3,388,000 | 4,227 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $371,000 | 4,811 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $263,000 | 3,596 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $108,000 | 5,272 |
| Total noninterest expense | $2,683,000 | 4,657 |
| Salaries and employee benefits | $1,486,000 | 4,419 |
| Premises and equipment expense | $398,000 | 4,278 |
| Additional noninterest expense | $799,000 | 5,069 |
| Pre-tax net operating income | $1,076,000 | 2,611 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $257,000 | 2,078 |
| Income before extraordinary items | $819,000 | 2,824 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $819,000 | 2,821 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $819,000 | 2,824 |
| Net charge-offs | $31,000 | 6,007 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $819,000 | 2,774 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,844,000 | 4,873 |
| Total interest expense | $657,000 | 5,717 |
| Net interest income | $2,187,000 | 4,322 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $252,000 | 4,793 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $174,000 | 3,588 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $78,000 | 5,201 |
| Total noninterest expense | $1,778,000 | 4,729 |
| Salaries and employee benefits | $979,000 | 4,497 |
| Premises and equipment expense | $260,000 | 4,352 |
| Additional noninterest expense | $539,000 | 5,036 |
| Pre-tax net operating income | $661,000 | 2,860 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $153,000 | 2,244 |
| Income before extraordinary items | $508,000 | 3,058 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $508,000 | 3,055 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $508,000 | 3,057 |
| Net charge-offs | $23,000 | 5,517 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $508,000 | 2,961 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,385,000 | 4,979 |
| Total interest expense | $332,000 | 5,806 |
| Net interest income | $1,053,000 | 4,429 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $119,000 | 4,894 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $83,000 | 3,630 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $36,000 | 5,346 |
| Total noninterest expense | $847,000 | 4,777 |
| Salaries and employee benefits | $488,000 | 4,549 |
| Premises and equipment expense | $126,000 | 4,497 |
| Additional noninterest expense | $233,000 | 5,147 |
| Pre-tax net operating income | $325,000 | 3,210 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $77,000 | 2,438 |
| Income before extraordinary items | $248,000 | 3,462 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $248,000 | 3,463 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $248,000 | 3,463 |
| Net charge-offs | $13,000 | 4,614 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $248,000 | 3,308 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,035,000 | 4,918 |
| Total interest expense | $1,758,000 | 5,629 |
| Net interest income | $4,277,000 | 4,368 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $493,000 | 4,867 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $332,000 | 3,832 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $161,000 | 5,188 |
| Total noninterest expense | $3,463,000 | 4,677 |
| Salaries and employee benefits | $2,096,000 | 4,294 |
| Premises and equipment expense | $583,000 | 4,023 |
| Additional noninterest expense | $784,000 | 5,527 |
| Pre-tax net operating income | $1,307,000 | 3,264 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $309,000 | 2,362 |
| Income before extraordinary items | $998,000 | 3,299 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $998,000 | 3,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,039 |
| Cash dividends | $216,000 | 4,420 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $998,000 | 3,442 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,557,000 | 4,976 |
| Total interest expense | $1,388,000 | 5,629 |
| Net interest income | $3,169,000 | 4,449 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $357,000 | 5,044 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $250,000 | 3,847 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $107,000 | 5,524 |
| Total noninterest expense | $2,455,000 | 4,812 |
| Salaries and employee benefits | $1,450,000 | 4,589 |
| Premises and equipment expense | $414,000 | 4,199 |
| Additional noninterest expense | $591,000 | 5,464 |
| Pre-tax net operating income | $1,071,000 | 3,551 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $275,000 | 2,559 |
| Income before extraordinary items | $796,000 | 3,573 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $796,000 | 3,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,427 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $796,000 | 3,716 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,043,000 | 5,033 |
| Total interest expense | $993,000 | 5,597 |
| Net interest income | $2,050,000 | 4,537 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $236,000 | 5,109 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $164,000 | 3,882 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $72,000 | 5,593 |
| Total noninterest expense | $1,614,000 | 4,888 |
| Salaries and employee benefits | $959,000 | 4,661 |
| Premises and equipment expense | $272,000 | 4,275 |
| Additional noninterest expense | $383,000 | 5,542 |
| Pre-tax net operating income | $672,000 | 3,779 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $172,000 | 2,862 |
| Income before extraordinary items | $500,000 | 4,016 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $500,000 | 4,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,297 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $500,000 | 3,961 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,545,000 | 5,081 |
| Total interest expense | $546,000 | 5,538 |
| Net interest income | $999,000 | 4,630 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $109,000 | 5,257 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $77,000 | 3,952 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $32,000 | 5,807 |
| Total noninterest expense | $812,000 | 4,889 |
| Salaries and employee benefits | $475,000 | 4,726 |
| Premises and equipment expense | $136,000 | 4,286 |
| Additional noninterest expense | $201,000 | 5,362 |
| Pre-tax net operating income | $296,000 | 4,186 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $72,000 | 3,180 |
| Income before extraordinary items | $224,000 | 4,435 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $224,000 | 4,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,488 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $224,000 | 4,329 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,514,000 | 4,949 |
| Total interest expense | $2,397,000 | 5,380 |
| Net interest income | $4,117,000 | 4,542 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $475,000 | 5,124 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $344,000 | 3,815 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $131,000 | 5,795 |
| Total noninterest expense | $3,297,000 | 4,713 |
| Salaries and employee benefits | $2,036,000 | 4,339 |
| Premises and equipment expense | $555,000 | 4,061 |
| Additional noninterest expense | $706,000 | 5,709 |
| Pre-tax net operating income | $1,295,000 | 4,193 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $291,000 | 3,411 |
| Income before extraordinary items | $1,004,000 | 4,318 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,004,000 | 4,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,055 |
| Cash dividends | $216,000 | 4,805 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,004,000 | 4,300 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,853,000 | 4,990 |
| Total interest expense | $1,782,000 | 5,413 |
| Net interest income | $3,071,000 | 4,575 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $348,000 | 5,223 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $263,000 | 3,783 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $85,000 | 6,067 |
| Total noninterest expense | $2,357,000 | 4,841 |
| Salaries and employee benefits | $1,419,000 | 4,548 |
| Premises and equipment expense | $411,000 | 4,083 |
| Additional noninterest expense | $527,000 | 5,669 |
| Pre-tax net operating income | $1,062,000 | 4,222 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $266,000 | 3,361 |
| Income before extraordinary items | $796,000 | 4,359 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $796,000 | 4,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,700 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $796,000 | 4,353 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,199,000 | 5,044 |
| Total interest expense | $1,165,000 | 5,467 |
| Net interest income | $2,034,000 | 4,621 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $223,000 | 5,352 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $168,000 | 3,858 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $55,000 | 6,129 |
| Total noninterest expense | $1,565,000 | 4,882 |
| Salaries and employee benefits | $945,000 | 4,597 |
| Premises and equipment expense | $273,000 | 4,124 |
| Additional noninterest expense | $347,000 | 5,712 |
| Pre-tax net operating income | $692,000 | 4,344 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $175,000 | 3,438 |
| Income before extraordinary items | $517,000 | 4,478 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $517,000 | 4,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,139 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $517,000 | 4,470 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,581,000 | 5,069 |
| Total interest expense | $572,000 | 5,503 |
| Net interest income | $1,009,000 | 4,663 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $107,000 | 5,393 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $82,000 | 3,854 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $25,000 | 6,275 |
| Total noninterest expense | $784,000 | 4,855 |
| Salaries and employee benefits | $473,000 | 4,615 |
| Premises and equipment expense | $131,000 | 4,247 |
| Additional noninterest expense | $180,000 | 5,587 |
| Pre-tax net operating income | $332,000 | 4,421 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $79,000 | 3,593 |
| Income before extraordinary items | $253,000 | 4,526 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $253,000 | 4,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,927 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $253,000 | 4,512 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,157,000 | 4,920 |
| Total interest expense | $2,047,000 | 5,337 |
| Net interest income | $4,110,000 | 4,586 |
| Provision for loan and lease losses | $105,000 | 4,653 |
| Total noninterest income | $475,000 | 5,247 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $343,000 | 3,855 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $132,000 | 5,861 |
| Total noninterest expense | $3,197,000 | 4,683 |
| Salaries and employee benefits | $2,012,000 | 4,243 |
| Premises and equipment expense | $536,000 | 4,074 |
| Additional noninterest expense | $649,000 | 5,849 |
| Pre-tax net operating income | $1,283,000 | 4,648 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $318,000 | 3,736 |
| Income before extraordinary items | $965,000 | 4,793 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $965,000 | 4,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,293 |
| Cash dividends | $216,000 | 4,854 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $965,000 | 4,781 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,554,000 | 4,946 |
| Total interest expense | $1,478,000 | 5,376 |
| Net interest income | $3,076,000 | 4,623 |
| Provision for loan and lease losses | $105,000 | 3,999 |
| Total noninterest income | $354,000 | 5,268 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $260,000 | 3,859 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $94,000 | 5,957 |
| Total noninterest expense | $2,300,000 | 4,804 |
| Salaries and employee benefits | $1,405,000 | 4,467 |
| Premises and equipment expense | $417,000 | 4,008 |
| Additional noninterest expense | $478,000 | 5,891 |
| Pre-tax net operating income | $1,025,000 | 4,654 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $261,000 | 3,767 |
| Income before extraordinary items | $764,000 | 4,799 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $764,000 | 4,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 2,222 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $764,000 | 4,799 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,981,000 | 4,973 |
| Total interest expense | $947,000 | 5,364 |
| Net interest income | $2,034,000 | 4,674 |
| Provision for loan and lease losses | $78,000 | 3,746 |
| Total noninterest income | $232,000 | 5,307 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $170,000 | 3,875 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $62,000 | 6,020 |
| Total noninterest expense | $1,534,000 | 4,804 |
| Salaries and employee benefits | $939,000 | 4,469 |
| Premises and equipment expense | $278,000 | 4,008 |
| Additional noninterest expense | $317,000 | 5,902 |
| Pre-tax net operating income | $654,000 | 4,790 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $165,000 | 3,875 |
| Income before extraordinary items | $489,000 | 4,935 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $489,000 | 4,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 1,814 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $489,000 | 4,927 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,455,000 | 4,988 |
| Total interest expense | $451,000 | 5,389 |
| Net interest income | $1,004,000 | 4,703 |
| Provision for loan and lease losses | $36,000 | 3,658 |
| Total noninterest income | $110,000 | 5,399 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $86,000 | 3,787 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,429 |
| Total noninterest expense | $769,000 | 4,815 |
| Salaries and employee benefits | $469,000 | 4,486 |
| Premises and equipment expense | $138,000 | 4,023 |
| Additional noninterest expense | $162,000 | 5,824 |
| Pre-tax net operating income | $309,000 | 4,895 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $75,000 | 3,953 |
| Income before extraordinary items | $234,000 | 4,990 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $234,000 | 4,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 1,804 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $234,000 | 4,972 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,702,000 | 4,746 |
| Total interest expense | $1,468,000 | 5,273 |
| Net interest income | $4,234,000 | 4,455 |
| Provision for loan and lease losses | $159,000 | 4,034 |
| Total noninterest income | $520,000 | 5,160 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $349,000 | 3,844 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $171,000 | 5,487 |
| Total noninterest expense | $3,145,000 | 4,615 |
| Salaries and employee benefits | $1,972,000 | 4,158 |
| Premises and equipment expense | $540,000 | 3,960 |
| Additional noninterest expense | $633,000 | 5,884 |
| Pre-tax net operating income | $1,450,000 | 4,474 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $363,000 | 3,853 |
| Income before extraordinary items | $1,087,000 | 4,604 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,087,000 | 4,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,787 |
| Cash dividends | $216,000 | 4,810 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,087,000 | 4,561 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,248,000 | 4,734 |
| Total interest expense | $1,057,000 | 5,289 |
| Net interest income | $3,191,000 | 4,449 |
| Provision for loan and lease losses | $123,000 | 3,842 |
| Total noninterest income | $374,000 | 5,258 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $262,000 | 3,858 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $112,000 | 5,746 |
| Total noninterest expense | $2,195,000 | 4,821 |
| Salaries and employee benefits | $1,361,000 | 4,411 |
| Premises and equipment expense | $384,000 | 4,087 |
| Additional noninterest expense | $450,000 | 6,016 |
| Pre-tax net operating income | $1,247,000 | 4,216 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $322,000 | 3,693 |
| Income before extraordinary items | $925,000 | 4,386 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $925,000 | 4,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,785 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $925,000 | 4,339 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,774,000 | 4,750 |
| Total interest expense | $668,000 | 5,287 |
| Net interest income | $2,106,000 | 4,454 |
| Provision for loan and lease losses | $87,000 | 3,649 |
| Total noninterest income | $257,000 | 5,153 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $172,000 | 3,835 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $85,000 | 5,486 |
| Total noninterest expense | $1,464,000 | 4,806 |
| Salaries and employee benefits | $910,000 | 4,379 |
| Premises and equipment expense | $250,000 | 4,149 |
| Additional noninterest expense | $304,000 | 5,956 |
| Pre-tax net operating income | $812,000 | 4,257 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $209,000 | 3,716 |
| Income before extraordinary items | $603,000 | 4,401 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $603,000 | 4,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,009 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $603,000 | 4,349 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,366,000 | 4,773 |
| Total interest expense | $316,000 | 5,330 |
| Net interest income | $1,050,000 | 4,463 |
| Provision for loan and lease losses | $49,000 | 3,251 |
| Total noninterest income | $140,000 | 4,884 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $84,000 | 3,817 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $56,000 | 4,934 |
| Total noninterest expense | $728,000 | 4,855 |
| Salaries and employee benefits | $456,000 | 4,401 |
| Premises and equipment expense | $120,000 | 4,309 |
| Additional noninterest expense | $152,000 | 5,961 |
| Pre-tax net operating income | $413,000 | 4,181 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $105,000 | 3,690 |
| Income before extraordinary items | $308,000 | 4,294 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $308,000 | 4,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $308,000 | 4,245 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,328,000 | 4,642 |
| Total interest expense | $1,134,000 | 5,290 |
| Net interest income | $4,194,000 | 4,332 |
| Provision for loan and lease losses | $361,000 | 2,545 |
| Total noninterest income | $526,000 | 5,145 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $413,000 | 3,572 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $113,000 | 6,209 |
| Total noninterest expense | $3,079,000 | 4,580 |
| Salaries and employee benefits | $1,941,000 | 4,097 |
| Premises and equipment expense | $480,000 | 4,221 |
| Additional noninterest expense | $658,000 | 5,722 |
| Pre-tax net operating income | $1,280,000 | 4,628 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $296,000 | 4,183 |
| Income before extraordinary items | $984,000 | 4,746 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $984,000 | 4,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,059 |
| Cash dividends | $158,000 | 5,127 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $984,000 | 4,666 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,978,000 | 4,631 |
| Total interest expense | $833,000 | 5,331 |
| Net interest income | $3,145,000 | 4,330 |
| Provision for loan and lease losses | $308,000 | 2,228 |
| Total noninterest income | $376,000 | 5,289 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $312,000 | 3,568 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $64,000 | 6,699 |
| Total noninterest expense | $2,215,000 | 4,674 |
| Salaries and employee benefits | $1,361,000 | 4,288 |
| Premises and equipment expense | $366,000 | 4,156 |
| Additional noninterest expense | $488,000 | 5,704 |
| Pre-tax net operating income | $998,000 | 4,615 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $233,000 | 4,212 |
| Income before extraordinary items | $765,000 | 4,740 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $765,000 | 4,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,382 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $765,000 | 4,651 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,655,000 | 4,632 |
| Total interest expense | $552,000 | 5,367 |
| Net interest income | $2,103,000 | 4,327 |
| Provision for loan and lease losses | $269,000 | 1,739 |
| Total noninterest income | $243,000 | 5,360 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $205,000 | 3,581 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $38,000 | 6,883 |
| Total noninterest expense | $1,462,000 | 4,742 |
| Salaries and employee benefits | $912,000 | 4,272 |
| Premises and equipment expense | $242,000 | 4,170 |
| Additional noninterest expense | $308,000 | 5,897 |
| Pre-tax net operating income | $615,000 | 4,766 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $142,000 | 4,342 |
| Income before extraordinary items | $473,000 | 4,877 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $473,000 | 4,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,843 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $473,000 | 4,793 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,204,000 | 4,982 |
| Total interest expense | $278,000 | 5,407 |
| Net interest income | $926,000 | 4,728 |
| Provision for loan and lease losses | $36,000 | 3,870 |
| Total noninterest income | $118,000 | 5,380 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $99,000 | 3,616 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $19,000 | 6,892 |
| Total noninterest expense | $728,000 | 4,789 |
| Salaries and employee benefits | $456,000 | 4,303 |
| Premises and equipment expense | $122,000 | 4,191 |
| Additional noninterest expense | $150,000 | 5,995 |
| Pre-tax net operating income | $280,000 | 4,987 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $64,000 | 4,484 |
| Income before extraordinary items | $216,000 | 5,144 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $216,000 | 5,144 |
| 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 | $216,000 | 5,013 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,778,000 | 5,049 |
| Total interest expense | $1,337,000 | 5,242 |
| Net interest income | $3,441,000 | 4,857 |
| Provision for loan and lease losses | $157,000 | 4,503 |
| Total noninterest income | $506,000 | 5,406 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $402,000 | 3,636 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $104,000 | 6,474 |
| Total noninterest expense | $2,986,000 | 4,616 |
| Salaries and employee benefits | $1,850,000 | 4,179 |
| Premises and equipment expense | $512,000 | 3,992 |
| Additional noninterest expense | $624,000 | 5,850 |
| Pre-tax net operating income | $804,000 | 5,692 |
| Securities gains (losses) | $1,000 | 4,307 |
| Applicable income taxes | $148,000 | 5,291 |
| Income before extraordinary items | $657,000 | 5,745 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $657,000 | 5,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 3,556 |
| Cash dividends | $288,000 | 4,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $656,180 | 5,583 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,579,000 | 5,114 |
| Total interest expense | $1,033,000 | 5,280 |
| Net interest income | $2,546,000 | 4,914 |
| Provision for loan and lease losses | $117,000 | 4,410 |
| Total noninterest income | $364,000 | 5,563 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $293,000 | 3,704 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $71,000 | 6,675 |
| Total noninterest expense | $2,159,000 | 4,728 |
| Salaries and employee benefits | $1,315,000 | 4,333 |
| Premises and equipment expense | $373,000 | 4,060 |
| Additional noninterest expense | $471,000 | 5,825 |
| Pre-tax net operating income | $634,000 | 5,751 |
| Securities gains (losses) | $1,000 | 4,000 |
| Applicable income taxes | $140,000 | 5,201 |
| Income before extraordinary items | $495,000 | 5,888 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $495,000 | 5,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,201 |
| Cash dividends | $288,000 | 3,568 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $494,220 | 5,712 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,364,000 | 5,176 |
| Total interest expense | $716,000 | 5,264 |
| Net interest income | $1,648,000 | 4,996 |
| Provision for loan and lease losses | $81,000 | 4,279 |
| Total noninterest income | $252,000 | 5,442 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $201,000 | 3,607 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $51,000 | 6,530 |
| Total noninterest expense | $1,420,000 | 4,758 |
| Salaries and employee benefits | $878,000 | 4,323 |
| Premises and equipment expense | $236,000 | 4,233 |
| Additional noninterest expense | $306,000 | 5,922 |
| Pre-tax net operating income | $399,000 | 5,866 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $86,000 | 5,320 |
| Income before extraordinary items | $314,000 | 5,999 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $314,000 | 5,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,655 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $313,220 | 5,802 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,175,000 | 5,234 |
| Total interest expense | $367,000 | 5,296 |
| Net interest income | $808,000 | 5,064 |
| Provision for loan and lease losses | $36,000 | 4,248 |
| Total noninterest income | $112,000 | 5,626 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $96,000 | 3,642 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $16,000 | 7,254 |
| Total noninterest expense | $711,000 | 4,744 |
| Salaries and employee benefits | $438,000 | 4,336 |
| Premises and equipment expense | $119,000 | 4,200 |
| Additional noninterest expense | $154,000 | 5,833 |
| Pre-tax net operating income | $173,000 | 6,189 |
| Securities gains (losses) | $1,000 | 2,714 |
| Applicable income taxes | $37,000 | 5,499 |
| Income before extraordinary items | $137,000 | 6,228 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $137,000 | 6,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 2,967 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $136,210 | 6,075 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,235,000 | 5,020 |
| Total interest expense | $1,863,000 | 5,044 |
| Net interest income | $3,372,000 | 4,882 |
| Provision for loan and lease losses | $144,000 | 5,017 |
| Total noninterest income | $500,000 | 5,217 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $415,000 | 3,446 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $85,000 | 6,773 |
| Total noninterest expense | $2,858,000 | 4,619 |
| Salaries and employee benefits | $1,733,000 | 4,212 |
| Premises and equipment expense | $486,000 | 4,022 |
| Additional noninterest expense | $639,000 | 5,710 |
| Pre-tax net operating income | $870,000 | 5,564 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $204,000 | 5,080 |
| Income before extraordinary items | $667,000 | 5,674 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $667,000 | 5,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,179 |
| Cash dividends | $250,000 | 4,584 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $666,230 | 5,534 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,705,000 | 5,827 |
| Total interest expense | $2,135,000 | 5,905 |
| Net interest income | $2,570,000 | 5,624 |
| Provision for loan and lease losses | $101,000 | 5,569 |
| Total noninterest income | $373,000 | 5,867 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $284,000 | 4,299 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $89,000 | 6,670 |
| Total noninterest expense | $2,352,000 | 5,168 |
| Salaries and employee benefits | $1,309,000 | 5,007 |
| Premises and equipment expense | $414,000 | 4,493 |
| Additional noninterest expense | $629,000 | 5,675 |
| Pre-tax net operating income | $490,000 | 6,591 |
| Securities gains (losses) | $3,000 | 4,114 |
| Applicable income taxes | $45,000 | 6,794 |
| Income before extraordinary items | $448,000 | 6,316 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $448,000 | 6,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,195 |
| Cash dividends | $2,700,000 | 1,011 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $445,270 | 6,218 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,861,000 | 5,846 |
| Total interest expense | $2,100,000 | 6,127 |
| Net interest income | $2,761,000 | 5,451 |
| Provision for loan and lease losses | $352,000 | 2,559 |
| Total noninterest income | $346,000 | 5,915 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $238,000 | 4,645 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,248 |
| Total noninterest expense | $1,971,000 | 5,733 |
| Salaries and employee benefits | $1,215,000 | 5,176 |
| Premises and equipment expense | $315,000 | 5,278 |
| Additional noninterest expense | $441,000 | 6,839 |
| Pre-tax net operating income | $784,000 | 5,924 |
| Securities gains (losses) | $1,000 | 1,732 |
| Applicable income taxes | $130,000 | 6,160 |
| Income before extraordinary items | $655,000 | 5,596 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $655,000 | 5,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $481,000 | 1,275 |
| Cash dividends | $130,000 | 5,675 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $654,170 | 5,608 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,720,000 | 5,773 |
| Total interest expense | $2,269,000 | 5,535 |
| Net interest income | $2,451,000 | 5,872 |
| Provision for loan and lease losses | $94,000 | 5,385 |
| Total noninterest income | $284,000 | 6,581 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $217,000 | 4,909 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 7,520 |
| Total noninterest expense | $1,879,000 | 5,913 |
| Salaries and employee benefits | $1,173,000 | 5,251 |
| Premises and equipment expense | $305,000 | 5,412 |
| Additional noninterest expense | $401,000 | 7,262 |
| Pre-tax net operating income | $762,000 | 6,077 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $158,000 | 6,174 |
| Income before extraordinary items | $604,000 | 5,872 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $604,000 | 5,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 4,871 |
| Cash dividends | $130,000 | 5,805 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $604,000 | 5,848 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,708,000 | 5,902 |
| Total interest expense | $2,205,000 | 5,827 |
| Net interest income | $2,503,000 | 5,856 |
| Provision for loan and lease losses | $95,000 | 5,236 |
| Total noninterest income | $253,000 | 6,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 5,433 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 7,394 |
| Total noninterest expense | $1,907,000 | 5,780 |
| Salaries and employee benefits | $1,159,000 | 5,211 |
| Premises and equipment expense | $251,000 | 5,955 |
| Additional noninterest expense | $497,000 | 6,466 |
| Pre-tax net operating income | $754,000 | 6,275 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $150,000 | 6,830 |
| Income before extraordinary items | $604,000 | 6,032 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $604,000 | 6,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,759 |
| Cash dividends | $72,000 | 6,616 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $604,000 | 5,928 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,355,000 | 6,342 |
| Total interest expense | $1,988,000 | 6,290 |
| Net interest income | $2,367,000 | 6,266 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $282,000 | 6,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $189,000 | 5,510 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 6,977 |
| Total noninterest expense | $1,798,000 | 6,070 |
| Salaries and employee benefits | $1,125,000 | 5,374 |
| Premises and equipment expense | $215,000 | 6,570 |
| Additional noninterest expense | $458,000 | 6,858 |
| Pre-tax net operating income | $791,000 | 6,577 |
| Securities gains (losses) | $11,000 | 2,294 |
| Applicable income taxes | $150,000 | 7,611 |
| Income before extraordinary items | $652,000 | 6,106 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $652,000 | 6,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,544 |
| Cash dividends | $72,000 | 6,896 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $643,090 | 6,096 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,934,000 | 6,934 |
| Total interest expense | $1,785,000 | 6,872 |
| Net interest income | $2,149,000 | 6,858 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $316,000 | 6,758 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $192,000 | 5,700 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 6,505 |
| Total noninterest expense | $1,710,000 | 6,591 |
| Salaries and employee benefits | $1,074,000 | 5,684 |
| Premises and equipment expense | $212,000 | 6,822 |
| Additional noninterest expense | $424,000 | 7,681 |
| Pre-tax net operating income | $695,000 | 6,956 |
| Securities gains (losses) | $7,000 | 2,762 |
| Applicable income taxes | $113,000 | 8,521 |
| Income before extraordinary items | $589,000 | 6,335 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $589,000 | 6,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,536 |
| Cash dividends | $144,000 | 6,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $583,120 | 6,307 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,771,000 | 7,234 |
| Total interest expense | $1,599,000 | 7,418 |
| Net interest income | $2,172,000 | 6,931 |
| Provision for loan and lease losses | $143,000 | 3,750 |
| Total noninterest income | $270,000 | 7,436 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 6,069 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 7,568 |
| Total noninterest expense | $1,679,000 | 6,779 |
| Salaries and employee benefits | $988,000 | 6,129 |
| Premises and equipment expense | $205,000 | 7,096 |
| Additional noninterest expense | $486,000 | 7,375 |
| Pre-tax net operating income | $620,000 | 7,774 |
| Securities gains (losses) | $40,000 | 1,447 |
| Applicable income taxes | $82,000 | 9,543 |
| Income before extraordinary items | $578,000 | 6,739 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $578,000 | 6,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,894 |
| Cash dividends | $130,000 | 6,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $542,800 | 6,929 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,447,000 | 7,413 |
| Total interest expense | $1,271,000 | 7,653 |
| Net interest income | $2,176,000 | 7,138 |
| Provision for loan and lease losses | $115,000 | 4,257 |
| Total noninterest income | $251,000 | 7,936 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $163,000 | 6,588 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 7,913 |
| Total noninterest expense | $1,607,000 | 7,279 |
| Salaries and employee benefits | $876,000 | 6,778 |
| Premises and equipment expense | $215,000 | 7,137 |
| Additional noninterest expense | $516,000 | 7,697 |
| Pre-tax net operating income | $705,000 | 7,363 |
| Securities gains (losses) | $29,000 | 1,487 |
| Applicable income taxes | $158,000 | 8,149 |
| Income before extraordinary items | $576,000 | 6,718 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $576,000 | 6,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,073 |
| Cash dividends | $143,000 | 6,221 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $553,380 | 6,932 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,446,000 | 7,610 |
| Total interest expense | $1,417,000 | 7,485 |
| Net interest income | $2,029,000 | 7,586 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $236,000 | 8,608 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $151,000 | 7,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 8,419 |
| Total noninterest expense | $1,626,000 | 7,422 |
| Salaries and employee benefits | $848,000 | 7,027 |
| Premises and equipment expense | $215,000 | 7,389 |
| Additional noninterest expense | $563,000 | 7,659 |
| Pre-tax net operating income | $579,000 | 8,088 |
| Securities gains (losses) | $39,000 | 3,767 |
| Applicable income taxes | $131,000 | 9,063 |
| Income before extraordinary items | $487,000 | 7,664 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $487,000 | 7,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 4,830 |
| Cash dividends | $87,000 | 7,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $456,190 | 7,665 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,583,000 | 8,062 |
| Total interest expense | $1,603,000 | 8,194 |
| Net interest income | $1,980,000 | 7,816 |
| Provision for loan and lease losses | $135,000 | 6,388 |
| Total noninterest income | $217,000 | 9,097 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $138,000 | 7,445 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 8,899 |
| Total noninterest expense | $1,568,000 | 7,673 |
| Salaries and employee benefits | $784,000 | 7,367 |
| Premises and equipment expense | $246,000 | 6,868 |
| Additional noninterest expense | $538,000 | 8,106 |
| Pre-tax net operating income | $494,000 | 8,451 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $131,000 | 9,084 |
| Income before extraordinary items | $364,000 | 8,569 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $364,000 | 8,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 8,022 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $363,260 | 8,216 |
* 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.