Home > Guaranty Savings Bank > Income and Expense
Guaranty Savings Bank, Income and Expense
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,462,000 | 2,208 |
| Total interest expense | $1,843,000 | 1,748 |
| Net interest income | $4,619,000 | 2,376 |
| Provision for loan and lease losses | $230,000 | 3,361 |
| Total noninterest income | $55,000 | 6,487 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,067 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $55,000 | 5,350 |
| Total noninterest expense | $3,455,000 | 2,718 |
| Salaries and employee benefits | $1,791,000 | 2,704 |
| Premises and equipment expense | $740,000 | 1,712 |
| Additional noninterest expense | $924,000 | 3,388 |
| Pre-tax net operating income | $989,000 | 2,554 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $313,000 | 1,748 |
| Income before extraordinary items | $676,000 | 2,977 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $676,000 | 2,978 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $676,000 | 2,979 |
| Net charge-offs | $242,000 | 2,919 |
| Cash dividends | $500,000 | 1,397 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $676,000 | 2,901 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,244,000 | 2,206 |
| Total interest expense | $935,000 | 1,772 |
| Net interest income | $2,309,000 | 2,372 |
| Provision for loan and lease losses | $230,000 | 2,240 |
| Total noninterest income | $13,000 | 7,036 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,070 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $13,000 | 6,201 |
| Total noninterest expense | $1,727,000 | 2,737 |
| Salaries and employee benefits | $915,000 | 2,651 |
| Premises and equipment expense | $324,000 | 1,990 |
| Additional noninterest expense | $488,000 | 3,255 |
| Pre-tax net operating income | $365,000 | 3,157 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $99,000 | 2,192 |
| Income before extraordinary items | $266,000 | 3,460 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $266,000 | 3,457 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $266,000 | 3,458 |
| Net charge-offs | $242,000 | 1,951 |
| Cash dividends | $500,000 | 725 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $266,000 | 3,399 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $13,718,000 | 2,206 |
| Total interest expense | $4,460,000 | 1,809 |
| Net interest income | $9,258,000 | 2,358 |
| Provision for loan and lease losses | $2,800,000 | 1,689 |
| Total noninterest income | $741,000 | 3,814 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $741,000 | 2,604 |
| Total noninterest expense | $7,676,000 | 2,527 |
| Salaries and employee benefits | $3,869,000 | 2,485 |
| Premises and equipment expense | $1,346,000 | 1,903 |
| Additional noninterest expense | $2,461,000 | 2,726 |
| Pre-tax net operating income | $-477,000 | 6,242 |
| Securities gains (losses) | $1,011,000 | 483 |
| Applicable income taxes | $44,000 | 3,695 |
| Income before extraordinary items | $490,000 | 4,347 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $490,000 | 4,348 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $490,000 | 4,348 |
| Net charge-offs | $2,573,000 | 1,603 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-440,120 | 6,290 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $10,385,000 | 2,232 |
| Total interest expense | $3,455,000 | 1,826 |
| Net interest income | $6,930,000 | 2,399 |
| Provision for loan and lease losses | $2,300,000 | 1,512 |
| Total noninterest income | $415,000 | 4,444 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $415,000 | 3,051 |
| Total noninterest expense | $5,773,000 | 2,509 |
| Salaries and employee benefits | $2,896,000 | 2,503 |
| Premises and equipment expense | $1,020,000 | 1,906 |
| Additional noninterest expense | $1,857,000 | 2,656 |
| Pre-tax net operating income | $-728,000 | 6,662 |
| Securities gains (losses) | $322,000 | 1,029 |
| Applicable income taxes | $-203,000 | 7,200 |
| Income before extraordinary items | $-203,000 | 6,444 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-203,000 | 6,445 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-203,000 | 6,444 |
| Net charge-offs | $2,153,000 | 1,444 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-409,080 | 6,538 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,971,000 | 2,248 |
| Total interest expense | $2,417,000 | 1,825 |
| Net interest income | $4,554,000 | 2,429 |
| Provision for loan and lease losses | $1,150,000 | 1,796 |
| Total noninterest income | $220,000 | 4,855 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $220,000 | 3,348 |
| Total noninterest expense | $3,777,000 | 2,568 |
| Salaries and employee benefits | $1,938,000 | 2,512 |
| Premises and equipment expense | $667,000 | 1,949 |
| Additional noninterest expense | $1,172,000 | 2,768 |
| Pre-tax net operating income | $-153,000 | 6,368 |
| Securities gains (losses) | $317,000 | 683 |
| Applicable income taxes | $11,000 | 4,050 |
| Income before extraordinary items | $153,000 | 5,193 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $153,000 | 5,196 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $153,000 | 5,195 |
| Net charge-offs | $1,023,000 | 1,700 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-141,810 | 6,425 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,442,000 | 2,329 |
| Total interest expense | $1,251,000 | 1,852 |
| Net interest income | $2,191,000 | 2,560 |
| Provision for loan and lease losses | $500,000 | 1,815 |
| Total noninterest income | $132,000 | 4,538 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $132,000 | 3,048 |
| Total noninterest expense | $1,879,000 | 2,599 |
| Salaries and employee benefits | $1,040,000 | 2,371 |
| Premises and equipment expense | $326,000 | 2,051 |
| Additional noninterest expense | $513,000 | 3,112 |
| Pre-tax net operating income | $-56,000 | 6,522 |
| Securities gains (losses) | $1,000 | 2,151 |
| Applicable income taxes | $-40,000 | 7,286 |
| Income before extraordinary items | $-15,000 | 6,471 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-15,000 | 6,473 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-15,000 | 6,472 |
| Net charge-offs | $439,000 | 1,683 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-15,640 | 6,387 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $14,157,000 | 2,364 |
| Total interest expense | $6,084,000 | 1,903 |
| Net interest income | $8,073,000 | 2,709 |
| Provision for loan and lease losses | $500,000 | 4,539 |
| Total noninterest income | $1,136,000 | 3,092 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,136,000 | 1,990 |
| Total noninterest expense | $7,196,000 | 2,723 |
| Salaries and employee benefits | $3,773,000 | 2,576 |
| Premises and equipment expense | $1,098,000 | 2,380 |
| Additional noninterest expense | $2,325,000 | 2,928 |
| Pre-tax net operating income | $1,513,000 | 2,334 |
| Securities gains (losses) | $5,000 | 3,451 |
| Applicable income taxes | $636,000 | 1,328 |
| Income before extraordinary items | $882,000 | 2,980 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $882,000 | 2,980 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $882,000 | 2,980 |
| Net charge-offs | $1,254,000 | 2,585 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,303 |
| Net operating income | $878,800 | 2,931 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,596,000 | 2,406 |
| Total interest expense | $4,725,000 | 1,922 |
| Net interest income | $5,871,000 | 2,792 |
| Provision for loan and lease losses | $200,000 | 5,146 |
| Total noninterest income | $926,000 | 2,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $926,000 | 1,923 |
| Total noninterest expense | $5,090,000 | 2,862 |
| Salaries and employee benefits | $2,853,000 | 2,579 |
| Premises and equipment expense | $766,000 | 2,559 |
| Additional noninterest expense | $1,471,000 | 3,326 |
| Pre-tax net operating income | $1,507,000 | 2,053 |
| Securities gains (losses) | $-2,000 | 7,117 |
| Applicable income taxes | $512,000 | 1,381 |
| Income before extraordinary items | $993,000 | 2,494 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $993,000 | 2,492 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $993,000 | 2,495 |
| Net charge-offs | $1,050,000 | 2,154 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,192 |
| Net operating income | $994,320 | 2,441 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,996,000 | 2,459 |
| Total interest expense | $3,177,000 | 1,999 |
| Net interest income | $3,819,000 | 2,841 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $705,000 | 2,738 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $705,000 | 1,805 |
| Total noninterest expense | $3,236,000 | 3,020 |
| Salaries and employee benefits | $1,832,000 | 2,717 |
| Premises and equipment expense | $474,000 | 2,773 |
| Additional noninterest expense | $930,000 | 3,463 |
| Pre-tax net operating income | $1,288,000 | 1,722 |
| Securities gains (losses) | $-11,000 | 7,486 |
| Applicable income taxes | $434,000 | 1,200 |
| Income before extraordinary items | $843,000 | 2,154 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $843,000 | 2,152 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $843,000 | 2,153 |
| Net charge-offs | $663,000 | 2,035 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,123 |
| Net operating income | $850,260 | 2,073 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,387,000 | 2,567 |
| Total interest expense | $1,513,000 | 2,152 |
| Net interest income | $1,874,000 | 2,872 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $364,000 | 2,668 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $364,000 | 1,721 |
| Total noninterest expense | $1,541,000 | 3,071 |
| Salaries and employee benefits | $899,000 | 2,808 |
| Premises and equipment expense | $204,000 | 3,171 |
| Additional noninterest expense | $438,000 | 3,339 |
| Pre-tax net operating income | $697,000 | 1,818 |
| Securities gains (losses) | $-2,000 | 7,731 |
| Applicable income taxes | $236,000 | 1,279 |
| Income before extraordinary items | $459,000 | 2,290 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $459,000 | 2,290 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $459,000 | 2,292 |
| Net charge-offs | $17,000 | 4,442 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 980 |
| Net operating income | $460,320 | 2,152 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $12,412,000 | 2,949 |
| Total interest expense | $5,799,000 | 2,588 |
| Net interest income | $6,613,000 | 3,213 |
| Provision for loan and lease losses | $630,000 | 3,423 |
| Total noninterest income | $-347,000 | 8,218 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-347,000 | 8,197 |
| Total noninterest expense | $5,398,000 | 3,358 |
| Salaries and employee benefits | $3,283,000 | 3,004 |
| Premises and equipment expense | $809,000 | 3,152 |
| Additional noninterest expense | $1,306,000 | 4,011 |
| Pre-tax net operating income | $238,000 | 5,641 |
| Securities gains (losses) | $-62,000 | 7,185 |
| Applicable income taxes | $56,000 | 3,792 |
| Income before extraordinary items | $120,000 | 5,792 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $120,000 | 5,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $383,000 | 3,183 |
| Cash dividends | $1,600,000 | 1,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $162,160 | 5,781 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,206,000 | 3,038 |
| Total interest expense | $4,337,000 | 2,696 |
| Net interest income | $4,869,000 | 3,286 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $-369,000 | 8,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-369,000 | 8,326 |
| Total noninterest expense | $4,121,000 | 3,309 |
| Salaries and employee benefits | $2,502,000 | 2,976 |
| Premises and equipment expense | $629,000 | 3,073 |
| Additional noninterest expense | $990,000 | 3,899 |
| Pre-tax net operating income | $379,000 | 5,347 |
| Securities gains (losses) | $-18,000 | 7,398 |
| Applicable income taxes | $122,000 | 3,432 |
| Income before extraordinary items | $239,000 | 5,508 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $239,000 | 5,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 2,573 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $250,880 | 5,621 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,996,000 | 3,151 |
| Total interest expense | $2,875,000 | 2,813 |
| Net interest income | $3,121,000 | 3,389 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $-428,000 | 8,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-428,000 | 8,422 |
| Total noninterest expense | $2,762,000 | 3,307 |
| Salaries and employee benefits | $1,691,000 | 2,972 |
| Premises and equipment expense | $410,000 | 3,149 |
| Additional noninterest expense | $661,000 | 3,872 |
| Pre-tax net operating income | $-69,000 | 7,133 |
| Securities gains (losses) | $-9,000 | 8,113 |
| Applicable income taxes | $-27,000 | 7,698 |
| Income before extraordinary items | $-51,000 | 7,154 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-51,000 | 7,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,043 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-45,150 | 7,113 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,981,000 | 3,247 |
| Total interest expense | $1,495,000 | 2,898 |
| Net interest income | $1,486,000 | 3,508 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $101,000 | 5,405 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $101,000 | 3,742 |
| Total noninterest expense | $1,366,000 | 3,332 |
| Salaries and employee benefits | $843,000 | 3,015 |
| Premises and equipment expense | $204,000 | 3,178 |
| Additional noninterest expense | $319,000 | 3,937 |
| Pre-tax net operating income | $221,000 | 4,768 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $75,000 | 3,116 |
| Income before extraordinary items | $146,000 | 5,249 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $146,000 | 5,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,652 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $146,000 | 5,144 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $11,234,000 | 3,465 |
| Total interest expense | $5,545,000 | 3,198 |
| Net interest income | $5,689,000 | 3,644 |
| Provision for loan and lease losses | $-300,000 | 8,460 |
| Total noninterest income | $362,000 | 5,697 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $362,000 | 3,928 |
| Total noninterest expense | $5,151,000 | 3,373 |
| Salaries and employee benefits | $3,128,000 | 3,121 |
| Premises and equipment expense | $691,000 | 3,474 |
| Additional noninterest expense | $1,332,000 | 3,761 |
| Pre-tax net operating income | $1,200,000 | 4,370 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $344,000 | 3,202 |
| Income before extraordinary items | $856,000 | 4,642 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $856,000 | 4,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-566,000 | 8,507 |
| Cash dividends | $550,000 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $-52,000 | 8,433 |
| Net operating income | $856,000 | 4,633 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,244,000 | 3,534 |
| Total interest expense | $4,074,000 | 3,244 |
| Net interest income | $4,170,000 | 3,719 |
| Provision for loan and lease losses | $-300,000 | 8,497 |
| Total noninterest income | $132,000 | 6,957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $132,000 | 5,317 |
| Total noninterest expense | $3,843,000 | 3,356 |
| Salaries and employee benefits | $2,364,000 | 3,077 |
| Premises and equipment expense | $481,000 | 3,651 |
| Additional noninterest expense | $998,000 | 3,707 |
| Pre-tax net operating income | $759,000 | 4,954 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $210,000 | 3,667 |
| Income before extraordinary items | $549,000 | 5,207 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $549,000 | 5,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-445,000 | 8,518 |
| Cash dividends | $550,000 | 2,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $549,000 | 5,183 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,378,000 | 3,600 |
| Total interest expense | $2,627,000 | 3,315 |
| Net interest income | $2,751,000 | 3,769 |
| Provision for loan and lease losses | $-300,000 | 8,542 |
| Total noninterest income | $46,000 | 7,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $46,000 | 6,404 |
| Total noninterest expense | $2,441,000 | 3,512 |
| Salaries and employee benefits | $1,532,000 | 3,192 |
| Premises and equipment expense | $297,000 | 3,874 |
| Additional noninterest expense | $612,000 | 3,962 |
| Pre-tax net operating income | $656,000 | 4,460 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $190,000 | 3,338 |
| Income before extraordinary items | $466,000 | 4,714 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $466,000 | 4,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-482,000 | 8,580 |
| Cash dividends | $250,000 | 3,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $466,000 | 4,709 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,649,000 | 3,615 |
| Total interest expense | $1,285,000 | 3,355 |
| Net interest income | $1,364,000 | 3,793 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $16,000 | 8,027 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $16,000 | 6,921 |
| Total noninterest expense | $1,203,000 | 3,565 |
| Salaries and employee benefits | $754,000 | 3,251 |
| Premises and equipment expense | $141,000 | 4,032 |
| Additional noninterest expense | $308,000 | 3,897 |
| Pre-tax net operating income | $177,000 | 5,751 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $43,000 | 4,278 |
| Income before extraordinary items | $134,000 | 5,876 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $134,000 | 5,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-234,000 | 8,588 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $134,000 | 5,854 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $10,953,000 | 3,331 |
| Total interest expense | $4,920,000 | 3,065 |
| Net interest income | $6,033,000 | 3,508 |
| Provision for loan and lease losses | $-1,981,000 | 8,649 |
| Total noninterest income | $100,000 | 7,734 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $100,000 | 6,329 |
| Total noninterest expense | $4,657,000 | 3,541 |
| Salaries and employee benefits | $3,092,000 | 3,050 |
| Premises and equipment expense | $562,000 | 3,956 |
| Additional noninterest expense | $1,003,000 | 4,505 |
| Pre-tax net operating income | $3,457,000 | 2,509 |
| Securities gains (losses) | $-87,000 | 8,153 |
| Applicable income taxes | $1,145,000 | 2,009 |
| Income before extraordinary items | $2,225,000 | 2,868 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,225,000 | 2,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,516,000 | 8,673 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $-72,000 | 8,595 |
| Net operating income | $2,282,420 | 2,806 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,255,000 | 3,288 |
| Total interest expense | $3,621,000 | 3,026 |
| Net interest income | $4,634,000 | 3,465 |
| Provision for loan and lease losses | $-1,981,000 | 8,716 |
| Total noninterest income | $49,000 | 8,168 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $49,000 | 6,962 |
| Total noninterest expense | $3,375,000 | 3,635 |
| Salaries and employee benefits | $2,234,000 | 3,139 |
| Premises and equipment expense | $411,000 | 4,037 |
| Additional noninterest expense | $730,000 | 4,573 |
| Pre-tax net operating income | $3,289,000 | 2,163 |
| Securities gains (losses) | $-88,000 | 8,362 |
| Applicable income taxes | $1,087,000 | 1,775 |
| Income before extraordinary items | $2,114,000 | 2,457 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,114,000 | 2,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,973,000 | 8,731 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $-72,000 | 8,680 |
| Net operating income | $2,172,080 | 2,404 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,464,000 | 3,275 |
| Total interest expense | $2,356,000 | 2,968 |
| Net interest income | $3,108,000 | 3,460 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $31,000 | 8,261 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $31,000 | 7,060 |
| Total noninterest expense | $2,167,000 | 3,743 |
| Salaries and employee benefits | $1,437,000 | 3,258 |
| Premises and equipment expense | $257,000 | 4,207 |
| Additional noninterest expense | $473,000 | 4,646 |
| Pre-tax net operating income | $972,000 | 3,862 |
| Securities gains (losses) | $-88,000 | 8,511 |
| Applicable income taxes | $298,000 | 3,055 |
| Income before extraordinary items | $586,000 | 4,498 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $586,000 | 4,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,142,000 | 8,768 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $-72,000 | 8,724 |
| Net operating income | $644,080 | 4,262 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,685,000 | 3,259 |
| Total interest expense | $1,174,000 | 2,850 |
| Net interest income | $1,511,000 | 3,519 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $20,000 | 8,055 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,714 |
| Total noninterest expense | $1,068,000 | 3,809 |
| Salaries and employee benefits | $692,000 | 3,374 |
| Premises and equipment expense | $125,000 | 4,297 |
| Additional noninterest expense | $251,000 | 4,460 |
| Pre-tax net operating income | $463,000 | 3,926 |
| Securities gains (losses) | $-16,000 | 8,334 |
| Applicable income taxes | $149,000 | 3,048 |
| Income before extraordinary items | $298,000 | 4,438 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $298,000 | 4,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,072,000 | 8,784 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $-72,000 | 8,744 |
| Net operating income | $308,720 | 4,338 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,367,000 | 3,061 |
| Total interest expense | $4,902,000 | 2,233 |
| Net interest income | $5,465,000 | 3,702 |
| Provision for loan and lease losses | $4,793,000 | 251 |
| Total noninterest income | $11,000 | 8,658 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $11,000 | 8,394 |
| Total noninterest expense | $4,478,000 | 3,553 |
| Salaries and employee benefits | $2,858,000 | 3,104 |
| Premises and equipment expense | $605,000 | 3,632 |
| Additional noninterest expense | $1,015,000 | 4,372 |
| Pre-tax net operating income | $-3,795,000 | 8,809 |
| Securities gains (losses) | $-1,295,000 | 8,763 |
| Applicable income taxes | $-1,485,000 | 8,812 |
| Income before extraordinary items | $-3,605,000 | 8,813 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-3,605,000 | 8,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,713,000 | 259 |
| Cash dividends | $262,000 | 4,595 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-2,685,550 | 8,780 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,894,000 | 2,962 |
| Total interest expense | $3,713,000 | 2,106 |
| Net interest income | $4,181,000 | 3,634 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $-37,000 | 8,848 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-37,000 | 8,849 |
| Total noninterest expense | $3,406,000 | 3,468 |
| Salaries and employee benefits | $2,244,000 | 2,942 |
| Premises and equipment expense | $474,000 | 3,494 |
| Additional noninterest expense | $688,000 | 4,675 |
| Pre-tax net operating income | $738,000 | 5,533 |
| Securities gains (losses) | $-18,000 | 8,135 |
| Applicable income taxes | $275,000 | 3,937 |
| Income before extraordinary items | $445,000 | 6,142 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $445,000 | 6,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $420,000 | 963 |
| Cash dividends | $262,000 | 3,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $456,520 | 6,072 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,251,000 | 2,906 |
| Total interest expense | $2,471,000 | 2,010 |
| Net interest income | $2,780,000 | 3,619 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $67,000 | 7,654 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $67,000 | 5,953 |
| Total noninterest expense | $2,458,000 | 3,243 |
| Salaries and employee benefits | $1,674,000 | 2,641 |
| Premises and equipment expense | $300,000 | 3,627 |
| Additional noninterest expense | $484,000 | 4,489 |
| Pre-tax net operating income | $389,000 | 6,049 |
| Securities gains (losses) | $-18,000 | 8,332 |
| Applicable income taxes | $162,000 | 4,130 |
| Income before extraordinary items | $209,000 | 6,867 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $209,000 | 6,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $420,000 | 690 |
| Cash dividends | $262,000 | 3,157 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $220,520 | 6,712 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,636,000 | 2,860 |
| Total interest expense | $1,239,000 | 1,910 |
| Net interest income | $1,397,000 | 3,615 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $32,000 | 7,719 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $32,000 | 6,055 |
| Total noninterest expense | $1,457,000 | 2,793 |
| Salaries and employee benefits | $1,041,000 | 2,179 |
| Premises and equipment expense | $157,000 | 3,521 |
| Additional noninterest expense | $259,000 | 4,244 |
| Pre-tax net operating income | $-28,000 | 8,527 |
| Securities gains (losses) | $-18,000 | 8,649 |
| Applicable income taxes | $31,000 | 5,273 |
| Income before extraordinary items | $-77,000 | 8,637 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-77,000 | 8,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $420,000 | 396 |
| Cash dividends | $262,000 | 1,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-59,000 | 8,585 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,857,000 | 2,619 |
| Total interest expense | $5,519,000 | 1,491 |
| Net interest income | $5,338,000 | 3,616 |
| Provision for loan and lease losses | $343,000 | 2,663 |
| Total noninterest income | $110,000 | 7,969 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $110,000 | 6,256 |
| Total noninterest expense | $4,258,000 | 3,560 |
| Salaries and employee benefits | $2,529,000 | 3,317 |
| Premises and equipment expense | $567,000 | 3,708 |
| Additional noninterest expense | $1,162,000 | 3,852 |
| Pre-tax net operating income | $847,000 | 5,654 |
| Securities gains (losses) | $-750,000 | 8,889 |
| Applicable income taxes | $-157,000 | 8,791 |
| Income before extraordinary items | $254,000 | 7,414 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $254,000 | 7,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,501 |
| Cash dividends | $686,000 | 3,007 |
| Sale, conversion, retirement of capital stock, net | $128,000 | 626 |
| Net operating income | $1,004,000 | 4,618 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,098,000 | 2,599 |
| Total interest expense | $4,204,000 | 1,435 |
| Net interest income | $3,894,000 | 3,678 |
| Provision for loan and lease losses | $33,000 | 5,925 |
| Total noninterest income | $67,000 | 8,256 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $67,000 | 6,620 |
| Total noninterest expense | $3,209,000 | 3,521 |
| Salaries and employee benefits | $1,894,000 | 3,298 |
| Premises and equipment expense | $469,000 | 3,430 |
| Additional noninterest expense | $846,000 | 3,910 |
| Pre-tax net operating income | $719,000 | 5,452 |
| Securities gains (losses) | $-216,000 | 8,942 |
| Applicable income taxes | $16,000 | 6,628 |
| Income before extraordinary items | $487,000 | 5,872 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $487,000 | 5,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,694 |
| Cash dividends | $686,000 | 2,232 |
| Sale, conversion, retirement of capital stock, net | $128,000 | 493 |
| Net operating income | $696,520 | 4,881 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,336,000 | 2,616 |
| Total interest expense | $2,850,000 | 1,396 |
| Net interest income | $2,486,000 | 3,800 |
| Provision for loan and lease losses | $33,000 | 5,235 |
| Total noninterest income | $70,000 | 7,781 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $70,000 | 5,848 |
| Total noninterest expense | $2,125,000 | 3,565 |
| Salaries and employee benefits | $1,261,000 | 3,306 |
| Premises and equipment expense | $310,000 | 3,455 |
| Additional noninterest expense | $554,000 | 3,990 |
| Pre-tax net operating income | $398,000 | 5,868 |
| Securities gains (losses) | $-143,000 | 8,991 |
| Applicable income taxes | $8,000 | 6,728 |
| Income before extraordinary items | $247,000 | 6,469 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $247,000 | 6,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,933 |
| Cash dividends | $686,000 | 1,730 |
| Sale, conversion, retirement of capital stock, net | $68,000 | 442 |
| Net operating income | $385,710 | 5,323 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,656,000 | 2,622 |
| Total interest expense | $1,451,000 | 1,379 |
| Net interest income | $1,205,000 | 3,884 |
| Provision for loan and lease losses | $14,000 | 5,389 |
| Total noninterest income | $29,000 | 8,016 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $29,000 | 6,170 |
| Total noninterest expense | $1,084,000 | 3,527 |
| Salaries and employee benefits | $650,000 | 3,224 |
| Premises and equipment expense | $154,000 | 3,516 |
| Additional noninterest expense | $280,000 | 3,953 |
| Pre-tax net operating income | $136,000 | 6,639 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $8,000 | 6,367 |
| Income before extraordinary items | $128,000 | 6,375 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $128,000 | 6,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 2,858 |
| Cash dividends | $686,000 | 935 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $128,000 | 6,262 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,765,000 | 2,893 |
| Total interest expense | $6,281,000 | 1,415 |
| Net interest income | $3,484,000 | 4,813 |
| Provision for loan and lease losses | $119,000 | 5,068 |
| Total noninterest income | $214,000 | 7,226 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $214,000 | 5,155 |
| Total noninterest expense | $4,215,000 | 3,552 |
| Salaries and employee benefits | $2,562,000 | 3,219 |
| Premises and equipment expense | $569,000 | 3,678 |
| Additional noninterest expense | $1,084,000 | 4,020 |
| Pre-tax net operating income | $-636,000 | 8,876 |
| Securities gains (losses) | $1,376,000 | 379 |
| Applicable income taxes | $60,000 | 6,152 |
| Income before extraordinary items | $680,000 | 5,666 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $680,000 | 5,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $2,716,000 | 1,082 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-585,920 | 8,878 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,264,000 | 2,959 |
| Total interest expense | $4,807,000 | 1,446 |
| Net interest income | $2,457,000 | 5,032 |
| Provision for loan and lease losses | $98,000 | 4,702 |
| Total noninterest income | $167,000 | 7,198 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $167,000 | 5,136 |
| Total noninterest expense | $3,271,000 | 3,436 |
| Salaries and employee benefits | $2,021,000 | 3,064 |
| Premises and equipment expense | $412,000 | 3,767 |
| Additional noninterest expense | $838,000 | 3,940 |
| Pre-tax net operating income | $-745,000 | 9,029 |
| Securities gains (losses) | $1,376,000 | 359 |
| Applicable income taxes | $108,000 | 5,485 |
| Income before extraordinary items | $523,000 | 5,730 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $523,000 | 5,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $2,716,000 | 790 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-619,080 | 9,007 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,966,000 | 2,914 |
| Total interest expense | $3,282,000 | 1,473 |
| Net interest income | $1,684,000 | 4,930 |
| Provision for loan and lease losses | $56,000 | 5,002 |
| Total noninterest income | $115,000 | 7,152 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $115,000 | 5,080 |
| Total noninterest expense | $2,125,000 | 3,503 |
| Salaries and employee benefits | $1,346,000 | 3,061 |
| Premises and equipment expense | $275,000 | 3,745 |
| Additional noninterest expense | $504,000 | 4,217 |
| Pre-tax net operating income | $-382,000 | 9,024 |
| Securities gains (losses) | $822,000 | 420 |
| Applicable income taxes | $61,000 | 5,708 |
| Income before extraordinary items | $379,000 | 5,553 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $379,000 | 5,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $2,716,000 | 571 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-327,920 | 9,015 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,544,000 | 2,856 |
| Total interest expense | $1,640,000 | 1,515 |
| Net interest income | $904,000 | 4,695 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $55,000 | 7,195 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $55,000 | 5,085 |
| Total noninterest expense | $1,085,000 | 3,429 |
| Salaries and employee benefits | $688,000 | 3,003 |
| Premises and equipment expense | $144,000 | 3,607 |
| Additional noninterest expense | $253,000 | 4,171 |
| Pre-tax net operating income | $-126,000 | 9,005 |
| Securities gains (losses) | $573,000 | 318 |
| Applicable income taxes | $85,000 | 4,242 |
| Income before extraordinary items | $362,000 | 3,720 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $362,000 | 3,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $2,716,000 | 312 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-102,130 | 8,965 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,136,000 | 2,539 |
| Total interest expense | $6,938,000 | 1,643 |
| Net interest income | $5,198,000 | 3,545 |
| Provision for loan and lease losses | $48,000 | 6,757 |
| Total noninterest income | $261,000 | 6,766 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $261,000 | 4,546 |
| Total noninterest expense | $3,978,000 | 3,574 |
| Salaries and employee benefits | $2,504,000 | 3,123 |
| Premises and equipment expense | $534,000 | 3,751 |
| Additional noninterest expense | $940,000 | 4,390 |
| Pre-tax net operating income | $1,433,000 | 4,232 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $293,000 | 4,482 |
| Income before extraordinary items | $1,140,000 | 4,219 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,140,000 | 4,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,140,000 | 4,118 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,741,000 | 2,670 |
| Total interest expense | $7,976,000 | 2,022 |
| Net interest income | $4,765,000 | 3,576 |
| Provision for loan and lease losses | $24,000 | 7,420 |
| Total noninterest income | $320,000 | 6,243 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $320,000 | 3,971 |
| Total noninterest expense | $3,518,000 | 3,807 |
| Salaries and employee benefits | $2,273,000 | 3,229 |
| Premises and equipment expense | $483,000 | 4,002 |
| Additional noninterest expense | $762,000 | 4,960 |
| Pre-tax net operating income | $1,543,000 | 3,780 |
| Securities gains (losses) | $607,000 | 548 |
| Applicable income taxes | $570,000 | 3,059 |
| Income before extraordinary items | $1,580,000 | 3,098 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,580,000 | 3,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,136,890 | 3,811 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,784,000 | 3,187 |
| Total interest expense | $6,047,000 | 2,766 |
| Net interest income | $4,737,000 | 3,639 |
| Provision for loan and lease losses | $7,000 | 8,084 |
| Total noninterest income | $285,000 | 6,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $285,000 | 4,034 |
| Total noninterest expense | $3,163,000 | 4,057 |
| Salaries and employee benefits | $1,997,000 | 3,471 |
| Premises and equipment expense | $436,000 | 4,231 |
| Additional noninterest expense | $730,000 | 5,032 |
| Pre-tax net operating income | $1,852,000 | 3,502 |
| Securities gains (losses) | $-144,000 | 9,512 |
| Applicable income taxes | $611,000 | 3,062 |
| Income before extraordinary items | $1,097,000 | 4,115 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,097,000 | 4,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,551 |
| Cash dividends | $5,000,000 | 620 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,189,160 | 3,866 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,221,000 | 3,165 |
| Total interest expense | $5,268,000 | 2,775 |
| Net interest income | $4,953,000 | 3,475 |
| Provision for loan and lease losses | $6,000 | 8,268 |
| Total noninterest income | $235,000 | 7,098 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $235,000 | 4,571 |
| Total noninterest expense | $3,265,000 | 3,922 |
| Salaries and employee benefits | $2,053,000 | 3,362 |
| Premises and equipment expense | $366,000 | 4,819 |
| Additional noninterest expense | $846,000 | 4,602 |
| Pre-tax net operating income | $1,917,000 | 3,444 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $679,000 | 2,963 |
| Income before extraordinary items | $1,238,000 | 3,777 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,238,000 | 3,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-97,000 | 10,037 |
| Cash dividends | $11,620,000 | 353 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,238,000 | 3,747 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,796,000 | 3,606 |
| Total interest expense | $4,088,000 | 3,615 |
| Net interest income | $4,708,000 | 3,599 |
| Provision for loan and lease losses | $54,000 | 6,469 |
| Total noninterest income | $332,000 | 6,183 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $332,000 | 3,801 |
| Total noninterest expense | $3,327,000 | 3,768 |
| Salaries and employee benefits | $2,230,000 | 3,012 |
| Premises and equipment expense | $360,000 | 4,790 |
| Additional noninterest expense | $737,000 | 4,960 |
| Pre-tax net operating income | $1,659,000 | 3,880 |
| Securities gains (losses) | $153,000 | 1,045 |
| Applicable income taxes | $654,000 | 3,183 |
| Income before extraordinary items | $1,158,000 | 4,044 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,158,000 | 4,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,985 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,060,080 | 4,210 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,509,000 | 4,233 |
| Total interest expense | $3,015,000 | 4,689 |
| Net interest income | $4,494,000 | 3,823 |
| Provision for loan and lease losses | $27,000 | 7,550 |
| Total noninterest income | $100,000 | 9,419 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $100,000 | 6,788 |
| Total noninterest expense | $2,830,000 | 4,298 |
| Salaries and employee benefits | $2,102,000 | 3,154 |
| Premises and equipment expense | $373,000 | 4,681 |
| Additional noninterest expense | $355,000 | 7,755 |
| Pre-tax net operating income | $1,737,000 | 3,972 |
| Securities gains (losses) | $53,000 | 1,310 |
| Applicable income taxes | $672,000 | 3,356 |
| Income before extraordinary items | $1,118,000 | 4,301 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,118,000 | 4,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 10,150 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $12,700,000 | 69 |
| Net operating income | $1,084,080 | 4,344 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,062,000 | 5,147 |
| Total interest expense | $2,674,000 | 5,267 |
| Net interest income | $3,388,000 | 4,966 |
| Provision for loan and lease losses | $59,000 | 6,328 |
| Total noninterest income | $134,000 | 9,288 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $134,000 | 6,294 |
| Total noninterest expense | $2,756,000 | 4,622 |
| Salaries and employee benefits | $1,585,000 | 4,101 |
| Premises and equipment expense | $350,000 | 5,017 |
| Additional noninterest expense | $821,000 | 5,114 |
| Pre-tax net operating income | $707,000 | 6,903 |
| Securities gains (losses) | $-101,000 | 11,208 |
| Applicable income taxes | $201,000 | 7,127 |
| Income before extraordinary items | $405,000 | 7,580 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $405,000 | 7,579 |
| 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 | $472,670 | 7,031 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,212,000 | 5,048 |
| Total interest expense | $2,664,000 | 5,281 |
| Net interest income | $3,548,000 | 4,806 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $122,000 | 9,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $122,000 | 6,598 |
| Total noninterest expense | $2,305,000 | 5,348 |
| Salaries and employee benefits | $1,561,000 | 4,142 |
| Premises and equipment expense | $281,000 | 5,914 |
| Additional noninterest expense | $463,000 | 7,577 |
| Pre-tax net operating income | $1,353,000 | 4,820 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $480,000 | 4,330 |
| Income before extraordinary items | $873,000 | 5,105 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $873,000 | 5,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,798 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $873,000 | 5,094 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,000,000 | 4,870 |
| Total interest expense | $2,408,000 | 4,807 |
| Net interest income | $3,592,000 | 4,833 |
| Provision for loan and lease losses | $21,000 | 7,711 |
| Total noninterest income | $172,000 | 9,264 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $172,000 | 5,782 |
| Total noninterest expense | $2,222,000 | 5,691 |
| Salaries and employee benefits | $1,441,000 | 4,439 |
| Premises and equipment expense | $310,000 | 5,563 |
| Additional noninterest expense | $471,000 | 8,140 |
| Pre-tax net operating income | $1,521,000 | 4,366 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $528,000 | 3,898 |
| Income before extraordinary items | $993,000 | 4,576 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $993,000 | 4,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,238 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $993,000 | 4,610 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,303,000 | 4,751 |
| Total interest expense | $2,387,000 | 5,015 |
| Net interest income | $3,916,000 | 4,502 |
| Provision for loan and lease losses | $100,000 | 5,727 |
| Total noninterest income | $173,000 | 9,753 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $173,000 | 6,106 |
| Total noninterest expense | $2,001,000 | 6,337 |
| Salaries and employee benefits | $1,355,000 | 4,706 |
| Premises and equipment expense | $299,000 | 5,874 |
| Additional noninterest expense | $347,000 | 9,875 |
| Pre-tax net operating income | $1,988,000 | 3,335 |
| Securities gains (losses) | $7,000 | 5,826 |
| Applicable income taxes | $719,000 | 3,038 |
| Income before extraordinary items | $1,276,000 | 3,783 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,276,000 | 3,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,951 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,271,520 | 3,597 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,159,000 | 4,742 |
| Total interest expense | $3,296,000 | 4,785 |
| Net interest income | $3,863,000 | 4,596 |
| Provision for loan and lease losses | $122,000 | 6,674 |
| Total noninterest income | $141,000 | 10,672 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $141,000 | 6,863 |
| Total noninterest expense | $1,999,000 | 6,386 |
| Salaries and employee benefits | $1,236,000 | 5,023 |
| Premises and equipment expense | $233,000 | 7,118 |
| Additional noninterest expense | $530,000 | 8,195 |
| Pre-tax net operating income | $1,883,000 | 3,290 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $704,000 | 2,957 |
| Income before extraordinary items | $1,181,000 | 3,865 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,181,000 | 3,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 6,088 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,179,720 | 3,587 |
* 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.