Home > Harvard Savings Bank > Income and Expense
Harvard Savings Bank, Income and Expense
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $2,636,000 | 3,733 |
| Total interest expense | $431,000 | 2,692 |
| Net interest income | $2,205,000 | 3,866 |
| Provision for loan and lease losses | $-237,000 | 5,906 |
| Total noninterest income | $138,000 | 4,828 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $52,000 | 4,511 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $86,000 | 4,579 |
| Total noninterest expense | $2,013,000 | 3,667 |
| Salaries and employee benefits | $1,012,000 | 3,838 |
| Premises and equipment expense | $194,000 | 3,867 |
| Additional noninterest expense | $807,000 | 3,210 |
| Pre-tax net operating income | $567,000 | 3,979 |
| Securities gains (losses) | $17,000 | 2,033 |
| Applicable income taxes | $0 | 4,338 |
| Income before extraordinary items | $584,000 | 3,728 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $584,000 | 3,725 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $584,000 | 3,727 |
| Net charge-offs | $134,000 | 1,398 |
| Cash dividends | $0 | 3,654 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 430 |
| Net operating income | $567,000 | 3,720 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $1,312,000 | 3,752 |
| Total interest expense | $217,000 | 2,692 |
| Net interest income | $1,095,000 | 3,893 |
| Provision for loan and lease losses | $-123,000 | 5,991 |
| Total noninterest income | $90,000 | 4,523 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $27,000 | 4,472 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $63,000 | 4,150 |
| Total noninterest expense | $981,000 | 3,753 |
| Salaries and employee benefits | $517,000 | 3,821 |
| Premises and equipment expense | $101,000 | 3,843 |
| Additional noninterest expense | $363,000 | 3,456 |
| Pre-tax net operating income | $327,000 | 3,726 |
| Securities gains (losses) | $17,000 | 1,296 |
| Applicable income taxes | $0 | 4,259 |
| Income before extraordinary items | $344,000 | 3,392 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $344,000 | 3,390 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $344,000 | 3,390 |
| Net charge-offs | $129,000 | 870 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 395 |
| Net operating income | $327,000 | 3,419 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $5,580,000 | 3,604 |
| Total interest expense | $1,018,000 | 2,385 |
| Net interest income | $4,562,000 | 3,786 |
| Provision for loan and lease losses | $-856,000 | 6,025 |
| Total noninterest income | $530,000 | 4,088 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $121,000 | 4,448 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $409,000 | 3,564 |
| Total noninterest expense | $4,691,000 | 3,369 |
| Salaries and employee benefits | $2,056,000 | 3,849 |
| Premises and equipment expense | $423,000 | 3,808 |
| Additional noninterest expense | $2,212,000 | 2,574 |
| Pre-tax net operating income | $1,257,000 | 3,775 |
| Securities gains (losses) | $0 | 3,216 |
| Applicable income taxes | $11,000 | 4,073 |
| Income before extraordinary items | $1,246,000 | 3,567 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,246,000 | 3,565 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,246,000 | 3,567 |
| Net charge-offs | $5,491,000 | 171 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $116,000 | 498 |
| Net operating income | $1,246,000 | 3,516 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $4,332,000 | 3,561 |
| Total interest expense | $797,000 | 2,344 |
| Net interest income | $3,535,000 | 3,753 |
| Provision for loan and lease losses | $-1,723,000 | 6,205 |
| Total noninterest income | $401,000 | 4,108 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $89,000 | 4,521 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $312,000 | 3,547 |
| Total noninterest expense | $3,574,000 | 3,356 |
| Salaries and employee benefits | $1,526,000 | 3,886 |
| Premises and equipment expense | $321,000 | 3,822 |
| Additional noninterest expense | $1,727,000 | 2,501 |
| Pre-tax net operating income | $2,085,000 | 2,495 |
| Securities gains (losses) | $0 | 3,031 |
| Applicable income taxes | $0 | 4,489 |
| Income before extraordinary items | $2,085,000 | 2,193 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,085,000 | 2,195 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $2,085,000 | 2,194 |
| Net charge-offs | $4,596,000 | 155 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $87,000 | 470 |
| Net operating income | $2,085,000 | 2,145 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $2,957,000 | 3,522 |
| Total interest expense | $557,000 | 2,277 |
| Net interest income | $2,400,000 | 3,727 |
| Provision for loan and lease losses | $-1,330,000 | 6,275 |
| Total noninterest income | $335,000 | 3,740 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $59,000 | 4,529 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $276,000 | 3,167 |
| Total noninterest expense | $2,533,000 | 3,230 |
| Salaries and employee benefits | $1,032,000 | 3,884 |
| Premises and equipment expense | $224,000 | 3,764 |
| Additional noninterest expense | $1,277,000 | 2,308 |
| Pre-tax net operating income | $1,532,000 | 2,310 |
| Securities gains (losses) | $0 | 2,636 |
| Applicable income taxes | $0 | 4,497 |
| Income before extraordinary items | $1,532,000 | 2,008 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,532,000 | 2,011 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $1,532,000 | 2,010 |
| Net charge-offs | $2,169,000 | 204 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 456 |
| Net operating income | $1,532,000 | 1,966 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $1,502,000 | 3,489 |
| Total interest expense | $301,000 | 2,162 |
| Net interest income | $1,201,000 | 3,732 |
| Provision for loan and lease losses | $-20,000 | 6,115 |
| Total noninterest income | $167,000 | 3,710 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $31,000 | 4,446 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $136,000 | 3,167 |
| Total noninterest expense | $1,203,000 | 3,363 |
| Salaries and employee benefits | $521,000 | 3,888 |
| Premises and equipment expense | $117,000 | 3,714 |
| Additional noninterest expense | $565,000 | 2,547 |
| Pre-tax net operating income | $185,000 | 4,549 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $0 | 4,400 |
| Income before extraordinary items | $185,000 | 4,397 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $185,000 | 4,399 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $185,000 | 4,400 |
| Net charge-offs | $143,000 | 898 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 424 |
| Net operating income | $185,000 | 4,324 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $6,470,000 | 3,360 |
| Total interest expense | $1,343,000 | 2,075 |
| Net interest income | $5,127,000 | 3,580 |
| Provision for loan and lease losses | $9,961,000 | 128 |
| Total noninterest income | $520,000 | 4,218 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $138,000 | 4,517 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $382,000 | 3,663 |
| Total noninterest expense | $4,463,000 | 3,566 |
| Salaries and employee benefits | $2,336,000 | 3,654 |
| Premises and equipment expense | $485,000 | 3,705 |
| Additional noninterest expense | $1,642,000 | 3,332 |
| Pre-tax net operating income | $-8,777,000 | 6,500 |
| Securities gains (losses) | $4,000 | 2,934 |
| Applicable income taxes | $1,584,000 | 1,153 |
| Income before extraordinary items | $-10,357,000 | 6,494 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $-10,357,000 | 6,493 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-10,357,000 | 6,493 |
| Net charge-offs | $337,000 | 1,891 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $895,000 | 231 |
| Net operating income | $-10,361,000 | 6,494 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $4,984,000 | 3,334 |
| Total interest expense | $1,009,000 | 2,112 |
| Net interest income | $3,975,000 | 3,544 |
| Provision for loan and lease losses | $8,365,000 | 118 |
| Total noninterest income | $460,000 | 3,992 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $98,000 | 4,662 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $362,000 | 3,347 |
| Total noninterest expense | $3,020,000 | 3,838 |
| Salaries and employee benefits | $1,756,000 | 3,648 |
| Premises and equipment expense | $381,000 | 3,652 |
| Additional noninterest expense | $883,000 | 4,116 |
| Pre-tax net operating income | $-6,950,000 | 6,585 |
| Securities gains (losses) | $3,000 | 2,680 |
| Applicable income taxes | $-2,289,000 | 6,558 |
| Income before extraordinary items | $-4,658,000 | 6,564 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-4,658,000 | 6,563 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $-4,658,000 | 6,563 |
| Net charge-offs | $240,000 | 1,808 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $86,000 | 485 |
| Net operating income | $-4,660,010 | 6,567 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $3,319,000 | 3,344 |
| Total interest expense | $677,000 | 2,115 |
| Net interest income | $2,642,000 | 3,551 |
| Provision for loan and lease losses | $60,000 | 2,755 |
| Total noninterest income | $355,000 | 3,710 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $64,000 | 4,681 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $291,000 | 3,081 |
| Total noninterest expense | $2,073,000 | 3,786 |
| Salaries and employee benefits | $1,234,000 | 3,546 |
| Premises and equipment expense | $263,000 | 3,602 |
| Additional noninterest expense | $576,000 | 4,181 |
| Pre-tax net operating income | $864,000 | 3,232 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $290,000 | 2,062 |
| Income before extraordinary items | $574,000 | 3,711 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $574,000 | 3,716 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $574,000 | 3,718 |
| Net charge-offs | $135,000 | 1,933 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 503 |
| Net operating income | $574,000 | 3,647 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $1,676,000 | 3,328 |
| Total interest expense | $347,000 | 2,095 |
| Net interest income | $1,329,000 | 3,546 |
| Provision for loan and lease losses | $25,000 | 2,805 |
| Total noninterest income | $192,000 | 3,523 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $33,000 | 4,624 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $159,000 | 2,885 |
| Total noninterest expense | $1,075,000 | 3,719 |
| Salaries and employee benefits | $642,000 | 3,484 |
| Premises and equipment expense | $138,000 | 3,531 |
| Additional noninterest expense | $295,000 | 4,143 |
| Pre-tax net operating income | $421,000 | 3,212 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $139,000 | 2,071 |
| Income before extraordinary items | $282,000 | 3,648 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $282,000 | 3,650 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $282,000 | 3,651 |
| Net charge-offs | $69,000 | 1,614 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 541 |
| Net operating income | $282,000 | 3,598 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $6,441,000 | 3,457 |
| Total interest expense | $1,534,000 | 2,124 |
| Net interest income | $4,907,000 | 3,743 |
| Provision for loan and lease losses | $453,000 | 1,959 |
| Total noninterest income | $913,000 | 3,373 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $133,000 | 4,782 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $780,000 | 2,704 |
| Total noninterest expense | $4,231,000 | 3,785 |
| Salaries and employee benefits | $2,544,000 | 3,498 |
| Premises and equipment expense | $503,000 | 3,721 |
| Additional noninterest expense | $1,184,000 | 4,233 |
| Pre-tax net operating income | $1,136,000 | 3,877 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $276,000 | 2,699 |
| Income before extraordinary items | $860,000 | 4,161 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $860,000 | 4,163 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $860,000 | 4,164 |
| Net charge-offs | $528,000 | 1,963 |
| Cash dividends | $373,000 | 3,082 |
| Sale, conversion, retirement of capital stock, net | $71,000 | 586 |
| Net operating income | $860,000 | 4,112 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $4,829,000 | 3,483 |
| Total interest expense | $1,166,000 | 2,154 |
| Net interest income | $3,663,000 | 3,783 |
| Provision for loan and lease losses | $341,000 | 1,948 |
| Total noninterest income | $696,000 | 3,392 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $98,000 | 4,856 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $598,000 | 2,743 |
| Total noninterest expense | $3,156,000 | 3,820 |
| Salaries and employee benefits | $1,876,000 | 3,567 |
| Premises and equipment expense | $385,000 | 3,709 |
| Additional noninterest expense | $895,000 | 4,219 |
| Pre-tax net operating income | $862,000 | 3,930 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $190,000 | 2,837 |
| Income before extraordinary items | $672,000 | 4,118 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $672,000 | 4,121 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $672,000 | 4,122 |
| Net charge-offs | $391,000 | 1,846 |
| Cash dividends | $373,000 | 2,412 |
| Sale, conversion, retirement of capital stock, net | $67,000 | 525 |
| Net operating income | $672,000 | 4,047 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $3,240,000 | 3,483 |
| Total interest expense | $785,000 | 2,179 |
| Net interest income | $2,455,000 | 3,762 |
| Provision for loan and lease losses | $193,000 | 2,171 |
| Total noninterest income | $458,000 | 3,457 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $65,000 | 4,850 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $393,000 | 2,827 |
| Total noninterest expense | $2,087,000 | 3,860 |
| Salaries and employee benefits | $1,266,000 | 3,543 |
| Premises and equipment expense | $251,000 | 3,777 |
| Additional noninterest expense | $570,000 | 4,313 |
| Pre-tax net operating income | $633,000 | 3,739 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $148,000 | 2,703 |
| Income before extraordinary items | $485,000 | 3,994 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $485,000 | 3,996 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $485,000 | 3,997 |
| Net charge-offs | $180,000 | 2,199 |
| Cash dividends | $373,000 | 1,999 |
| Sale, conversion, retirement of capital stock, net | $49,000 | 478 |
| Net operating income | $485,000 | 3,897 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,653,000 | 3,468 |
| Total interest expense | $397,000 | 2,213 |
| Net interest income | $1,256,000 | 3,715 |
| Provision for loan and lease losses | $144,000 | 1,765 |
| Total noninterest income | $195,000 | 3,701 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $34,000 | 4,757 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $161,000 | 3,082 |
| Total noninterest expense | $1,055,000 | 3,868 |
| Salaries and employee benefits | $640,000 | 3,558 |
| Premises and equipment expense | $127,000 | 3,771 |
| Additional noninterest expense | $288,000 | 4,313 |
| Pre-tax net operating income | $252,000 | 4,103 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $42,000 | 3,110 |
| Income before extraordinary items | $210,000 | 4,186 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $210,000 | 4,188 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $210,000 | 4,188 |
| Net charge-offs | $144,000 | 1,614 |
| Cash dividends | $373,000 | 1,171 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 461 |
| Net operating income | $210,000 | 4,087 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $7,204,000 | 3,376 |
| Total interest expense | $1,773,000 | 2,380 |
| Net interest income | $5,431,000 | 3,601 |
| Provision for loan and lease losses | $599,000 | 2,485 |
| Total noninterest income | $684,000 | 3,928 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $113,000 | 5,251 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $571,000 | 3,174 |
| Total noninterest expense | $4,118,000 | 3,954 |
| Salaries and employee benefits | $2,516,000 | 3,562 |
| Premises and equipment expense | $487,000 | 3,881 |
| Additional noninterest expense | $1,115,000 | 4,534 |
| Pre-tax net operating income | $1,398,000 | 3,451 |
| Securities gains (losses) | $2,000 | 3,664 |
| Applicable income taxes | $267,000 | 2,764 |
| Income before extraordinary items | $1,133,000 | 3,670 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,133,000 | 3,671 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,133,000 | 3,673 |
| Net charge-offs | $624,000 | 2,370 |
| Cash dividends | $1,114,000 | 1,821 |
| Sale, conversion, retirement of capital stock, net | $81,000 | 612 |
| Net operating income | $1,131,380 | 3,516 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $5,482,000 | 3,395 |
| Total interest expense | $1,358,000 | 2,417 |
| Net interest income | $4,124,000 | 3,641 |
| Provision for loan and lease losses | $482,000 | 2,319 |
| Total noninterest income | $379,000 | 4,525 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $82,000 | 5,377 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $297,000 | 3,711 |
| Total noninterest expense | $3,094,000 | 3,973 |
| Salaries and employee benefits | $1,907,000 | 3,546 |
| Premises and equipment expense | $366,000 | 3,935 |
| Additional noninterest expense | $821,000 | 4,608 |
| Pre-tax net operating income | $927,000 | 3,768 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $167,000 | 2,988 |
| Income before extraordinary items | $760,000 | 3,947 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $760,000 | 3,947 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $760,000 | 3,949 |
| Net charge-offs | $507,000 | 2,173 |
| Cash dividends | $797,000 | 1,548 |
| Sale, conversion, retirement of capital stock, net | $84,000 | 505 |
| Net operating income | $760,000 | 3,784 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,655,000 | 3,417 |
| Total interest expense | $920,000 | 2,468 |
| Net interest income | $2,735,000 | 3,667 |
| Provision for loan and lease losses | $308,000 | 2,362 |
| Total noninterest income | $243,000 | 4,587 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $52,000 | 5,459 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $191,000 | 3,747 |
| Total noninterest expense | $2,118,000 | 3,921 |
| Salaries and employee benefits | $1,303,000 | 3,496 |
| Premises and equipment expense | $244,000 | 3,933 |
| Additional noninterest expense | $571,000 | 4,512 |
| Pre-tax net operating income | $552,000 | 3,957 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $109,000 | 2,996 |
| Income before extraordinary items | $443,000 | 4,191 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $443,000 | 4,196 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $443,000 | 4,195 |
| Net charge-offs | $158,000 | 2,989 |
| Cash dividends | $577,000 | 1,469 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 453 |
| Net operating income | $443,000 | 4,007 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,835,000 | 3,440 |
| Total interest expense | $475,000 | 2,483 |
| Net interest income | $1,360,000 | 3,700 |
| Provision for loan and lease losses | $173,000 | 2,172 |
| Total noninterest income | $163,000 | 4,056 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $28,000 | 5,334 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $135,000 | 3,227 |
| Total noninterest expense | $1,107,000 | 3,839 |
| Salaries and employee benefits | $676,000 | 3,433 |
| Premises and equipment expense | $123,000 | 3,927 |
| Additional noninterest expense | $308,000 | 4,320 |
| Pre-tax net operating income | $243,000 | 4,217 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $20,000 | 3,671 |
| Income before extraordinary items | $223,000 | 4,190 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $223,000 | 4,194 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $223,000 | 4,194 |
| Net charge-offs | $73,000 | 2,721 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 597 |
| Net operating income | $223,000 | 4,041 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $7,262,000 | 3,583 |
| Total interest expense | $2,273,000 | 2,508 |
| Net interest income | $4,989,000 | 3,914 |
| Provision for loan and lease losses | $1,319,000 | 2,039 |
| Total noninterest income | $394,000 | 4,806 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $111,000 | 5,368 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $283,000 | 3,955 |
| Total noninterest expense | $4,191,000 | 3,983 |
| Salaries and employee benefits | $2,442,000 | 3,626 |
| Premises and equipment expense | $512,000 | 3,973 |
| Additional noninterest expense | $1,237,000 | 4,371 |
| Pre-tax net operating income | $-127,000 | 6,163 |
| Securities gains (losses) | $-4,000 | 6,806 |
| Applicable income taxes | $-251,000 | 6,958 |
| Income before extraordinary items | $120,000 | 5,803 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $120,000 | 5,805 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $120,000 | 5,805 |
| Net charge-offs | $617,000 | 2,919 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 826 |
| Net operating income | $122,560 | 5,679 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,463,000 | 3,610 |
| Total interest expense | $1,760,000 | 2,541 |
| Net interest income | $3,703,000 | 3,956 |
| Provision for loan and lease losses | $893,000 | 2,124 |
| Total noninterest income | $263,000 | 5,037 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $81,000 | 5,444 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $182,000 | 4,232 |
| Total noninterest expense | $3,138,000 | 3,999 |
| Salaries and employee benefits | $1,813,000 | 3,651 |
| Premises and equipment expense | $390,000 | 3,977 |
| Additional noninterest expense | $935,000 | 4,343 |
| Pre-tax net operating income | $-65,000 | 6,243 |
| Securities gains (losses) | $-3,000 | 6,910 |
| Applicable income taxes | $-58,000 | 6,946 |
| Income before extraordinary items | $-10,000 | 6,270 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-10,000 | 6,272 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-10,000 | 6,272 |
| Net charge-offs | $416,000 | 2,865 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 879 |
| Net operating income | $-8,080 | 6,169 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,609,000 | 3,674 |
| Total interest expense | $1,206,000 | 2,554 |
| Net interest income | $2,403,000 | 4,042 |
| Provision for loan and lease losses | $296,000 | 3,064 |
| Total noninterest income | $232,000 | 4,607 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $49,000 | 5,561 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $183,000 | 3,646 |
| Total noninterest expense | $2,124,000 | 4,010 |
| Salaries and employee benefits | $1,215,000 | 3,667 |
| Premises and equipment expense | $269,000 | 3,927 |
| Additional noninterest expense | $640,000 | 4,349 |
| Pre-tax net operating income | $215,000 | 5,031 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $49,000 | 3,377 |
| Income before extraordinary items | $166,000 | 5,250 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $166,000 | 5,249 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $166,000 | 5,250 |
| Net charge-offs | $253,000 | 2,870 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $-10,000 | 7,445 |
| Net operating income | $166,000 | 5,160 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,812,000 | 3,671 |
| Total interest expense | $622,000 | 2,560 |
| Net interest income | $1,190,000 | 4,066 |
| Provision for loan and lease losses | $169,000 | 2,641 |
| Total noninterest income | $155,000 | 4,095 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $25,000 | 5,503 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $130,000 | 3,138 |
| Total noninterest expense | $1,076,000 | 3,998 |
| Salaries and employee benefits | $606,000 | 3,696 |
| Premises and equipment expense | $139,000 | 3,897 |
| Additional noninterest expense | $331,000 | 4,261 |
| Pre-tax net operating income | $100,000 | 5,144 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $21,000 | 3,412 |
| Income before extraordinary items | $79,000 | 5,298 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $79,000 | 5,296 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $79,000 | 5,298 |
| Net charge-offs | $129,000 | 2,493 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $-14,000 | 7,523 |
| Net operating income | $79,000 | 5,238 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,742,000 | 3,631 |
| Total interest expense | $3,008,000 | 2,600 |
| Net interest income | $4,734,000 | 4,105 |
| Provision for loan and lease losses | $904,000 | 3,205 |
| Total noninterest income | $698,000 | 3,946 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $107,000 | 5,391 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $591,000 | 2,939 |
| Total noninterest expense | $4,228,000 | 4,057 |
| Salaries and employee benefits | $2,381,000 | 3,722 |
| Premises and equipment expense | $511,000 | 4,118 |
| Additional noninterest expense | $1,336,000 | 4,327 |
| Pre-tax net operating income | $300,000 | 4,898 |
| Securities gains (losses) | $-24,000 | 7,096 |
| Applicable income taxes | $42,000 | 3,720 |
| Income before extraordinary items | $234,000 | 5,168 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $234,000 | 5,172 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $234,000 | 5,172 |
| Net charge-offs | $457,000 | 3,774 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $-626,000 | 7,635 |
| Net operating income | $254,400 | 4,953 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,802,000 | 3,710 |
| Total interest expense | $2,316,000 | 2,637 |
| Net interest income | $3,486,000 | 4,217 |
| Provision for loan and lease losses | $622,000 | 3,189 |
| Total noninterest income | $474,000 | 4,176 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $82,000 | 5,451 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $392,000 | 3,133 |
| Total noninterest expense | $3,217,000 | 4,033 |
| Salaries and employee benefits | $1,820,000 | 3,703 |
| Premises and equipment expense | $380,000 | 4,208 |
| Additional noninterest expense | $1,017,000 | 4,259 |
| Pre-tax net operating income | $121,000 | 5,540 |
| Securities gains (losses) | $-23,000 | 7,273 |
| Applicable income taxes | $-7,000 | 6,823 |
| Income before extraordinary items | $105,000 | 5,700 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $105,000 | 5,702 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $105,000 | 5,702 |
| Net charge-offs | $373,000 | 3,450 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $-608,000 | 7,742 |
| Net operating income | $128,000 | 5,449 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,873,000 | 3,742 |
| Total interest expense | $1,559,000 | 2,701 |
| Net interest income | $2,314,000 | 4,236 |
| Provision for loan and lease losses | $432,000 | 3,083 |
| Total noninterest income | $231,000 | 4,774 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $49,000 | 5,620 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $182,000 | 3,660 |
| Total noninterest expense | $2,204,000 | 3,963 |
| Salaries and employee benefits | $1,224,000 | 3,705 |
| Premises and equipment expense | $248,000 | 4,294 |
| Additional noninterest expense | $732,000 | 4,024 |
| Pre-tax net operating income | $-91,000 | 6,262 |
| Securities gains (losses) | $-3,000 | 7,233 |
| Applicable income taxes | $-68,000 | 7,132 |
| Income before extraordinary items | $-26,000 | 6,249 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-26,000 | 6,250 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-26,000 | 6,249 |
| Net charge-offs | $255,000 | 3,256 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $-617,000 | 7,815 |
| Net operating income | $-24,080 | 6,152 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,929,000 | 3,812 |
| Total interest expense | $784,000 | 2,798 |
| Net interest income | $1,145,000 | 4,287 |
| Provision for loan and lease losses | $216,000 | 2,896 |
| Total noninterest income | $149,000 | 4,298 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $23,000 | 5,727 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $126,000 | 3,112 |
| Total noninterest expense | $1,083,000 | 4,048 |
| Salaries and employee benefits | $603,000 | 3,804 |
| Premises and equipment expense | $135,000 | 4,161 |
| Additional noninterest expense | $345,000 | 4,200 |
| Pre-tax net operating income | $-5,000 | 6,298 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-14,000 | 7,141 |
| Income before extraordinary items | $9,000 | 6,270 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $9,000 | 6,273 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $9,000 | 6,272 |
| Net charge-offs | $75,000 | 3,359 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $9,000 | 6,162 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,915,000 | 3,844 |
| Total interest expense | $3,816,000 | 2,846 |
| Net interest income | $4,099,000 | 4,505 |
| Provision for loan and lease losses | $1,147,000 | 3,285 |
| Total noninterest income | $926,000 | 3,493 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $117,000 | 5,528 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $809,000 | 2,442 |
| Total noninterest expense | $4,228,000 | 4,188 |
| Salaries and employee benefits | $2,093,000 | 4,213 |
| Premises and equipment expense | $484,000 | 4,464 |
| Additional noninterest expense | $1,651,000 | 3,825 |
| Pre-tax net operating income | $-350,000 | 5,860 |
| Securities gains (losses) | $-47,000 | 7,165 |
| Applicable income taxes | $-159,000 | 6,690 |
| Income before extraordinary items | $-238,000 | 5,860 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-238,000 | 5,859 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-238,000 | 5,859 |
| Net charge-offs | $721,000 | 3,309 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-207,920 | 5,834 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,979,000 | 3,878 |
| Total interest expense | $2,988,000 | 2,868 |
| Net interest income | $2,991,000 | 4,596 |
| Provision for loan and lease losses | $1,048,000 | 2,716 |
| Total noninterest income | $694,000 | 3,552 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $86,000 | 5,606 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $608,000 | 2,499 |
| Total noninterest expense | $3,214,000 | 4,151 |
| Salaries and employee benefits | $1,568,000 | 4,247 |
| Premises and equipment expense | $395,000 | 4,291 |
| Additional noninterest expense | $1,251,000 | 3,765 |
| Pre-tax net operating income | $-577,000 | 6,387 |
| Securities gains (losses) | $-41,000 | 7,356 |
| Applicable income taxes | $-218,000 | 7,116 |
| Income before extraordinary items | $-400,000 | 6,335 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-400,000 | 6,336 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-400,000 | 6,335 |
| Net charge-offs | $773,000 | 2,522 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-373,350 | 6,303 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,050,000 | 3,865 |
| Total interest expense | $2,071,000 | 2,883 |
| Net interest income | $1,979,000 | 4,618 |
| Provision for loan and lease losses | $294,000 | 3,776 |
| Total noninterest income | $571,000 | 3,140 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $55,000 | 5,662 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $516,000 | 2,179 |
| Total noninterest expense | $2,206,000 | 4,088 |
| Salaries and employee benefits | $1,082,000 | 4,189 |
| Premises and equipment expense | $276,000 | 4,180 |
| Additional noninterest expense | $848,000 | 3,715 |
| Pre-tax net operating income | $50,000 | 5,523 |
| Securities gains (losses) | $-41,000 | 7,583 |
| Applicable income taxes | $-6,000 | 6,768 |
| Income before extraordinary items | $15,000 | 5,830 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $15,000 | 5,828 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $15,000 | 5,828 |
| Net charge-offs | $94,000 | 4,310 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $56,000 | 5,462 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,029,000 | 3,900 |
| Total interest expense | $1,048,000 | 2,946 |
| Net interest income | $981,000 | 4,633 |
| Provision for loan and lease losses | $41,000 | 5,146 |
| Total noninterest income | $132,000 | 4,682 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $26,000 | 5,712 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $106,000 | 3,571 |
| Total noninterest expense | $1,183,000 | 3,805 |
| Salaries and employee benefits | $631,000 | 3,770 |
| Premises and equipment expense | $141,000 | 4,156 |
| Additional noninterest expense | $411,000 | 3,496 |
| Pre-tax net operating income | $-111,000 | 6,688 |
| Securities gains (losses) | $-36,000 | 7,913 |
| Applicable income taxes | $-59,000 | 7,454 |
| Income before extraordinary items | $-88,000 | 6,777 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-88,000 | 6,778 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-88,000 | 6,778 |
| Net charge-offs | $41,000 | 3,730 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-64,960 | 6,606 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $8,551,000 | 3,941 |
| Total interest expense | $4,935,000 | 2,991 |
| Net interest income | $3,616,000 | 4,883 |
| Provision for loan and lease losses | $634,000 | 3,412 |
| Total noninterest income | $586,000 | 4,523 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $125,000 | 5,603 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $461,000 | 3,326 |
| Total noninterest expense | $4,484,000 | 3,890 |
| Salaries and employee benefits | $2,174,000 | 4,181 |
| Premises and equipment expense | $561,000 | 4,151 |
| Additional noninterest expense | $1,749,000 | 3,208 |
| Pre-tax net operating income | $-916,000 | 6,974 |
| Securities gains (losses) | $-1,314,000 | 7,797 |
| Applicable income taxes | $-1,065,000 | 7,726 |
| Income before extraordinary items | $-1,165,000 | 7,065 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,165,000 | 7,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $309,000 | 3,489 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-324,040 | 6,736 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,524,000 | 3,957 |
| Total interest expense | $3,805,000 | 3,034 |
| Net interest income | $2,719,000 | 4,908 |
| Provision for loan and lease losses | $248,000 | 3,868 |
| Total noninterest income | $532,000 | 4,201 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $92,000 | 5,656 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $440,000 | 3,018 |
| Total noninterest expense | $3,464,000 | 3,791 |
| Salaries and employee benefits | $1,615,000 | 4,231 |
| Premises and equipment expense | $438,000 | 4,022 |
| Additional noninterest expense | $1,411,000 | 2,939 |
| Pre-tax net operating income | $-461,000 | 7,236 |
| Securities gains (losses) | $-1,140,000 | 7,958 |
| Applicable income taxes | $-865,000 | 8,011 |
| Income before extraordinary items | $-736,000 | 7,362 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-736,000 | 7,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 3,004 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-6,400 | 6,777 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,376,000 | 4,000 |
| Total interest expense | $2,582,000 | 3,092 |
| Net interest income | $1,794,000 | 4,950 |
| Provision for loan and lease losses | $84,000 | 4,545 |
| Total noninterest income | $377,000 | 4,130 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $56,000 | 5,799 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $321,000 | 2,915 |
| Total noninterest expense | $2,419,000 | 3,679 |
| Salaries and employee benefits | $1,097,000 | 4,216 |
| Premises and equipment expense | $306,000 | 3,916 |
| Additional noninterest expense | $1,016,000 | 2,704 |
| Pre-tax net operating income | $-332,000 | 7,467 |
| Securities gains (losses) | $-351,000 | 8,325 |
| Applicable income taxes | $-657,000 | 8,212 |
| Income before extraordinary items | $-26,000 | 7,091 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-26,000 | 7,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 2,885 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $198,640 | 5,558 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,790,000 | 4,654 |
| Total interest expense | $1,093,000 | 3,681 |
| Net interest income | $697,000 | 5,707 |
| Provision for loan and lease losses | $24,000 | 4,755 |
| Total noninterest income | $161,000 | 4,454 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $21,000 | 6,186 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $140,000 | 3,158 |
| Total noninterest expense | $776,000 | 5,022 |
| Salaries and employee benefits | $438,000 | 4,958 |
| Premises and equipment expense | $59,000 | 6,451 |
| Additional noninterest expense | $279,000 | 4,347 |
| Pre-tax net operating income | $58,000 | 6,508 |
| Securities gains (losses) | $-101,000 | 8,421 |
| Applicable income taxes | $-35,000 | 7,975 |
| Income before extraordinary items | $-8,000 | 7,328 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-8,000 | 7,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,665 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $56,640 | 6,391 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,259,000 | 4,641 |
| Total interest expense | $4,608,000 | 3,664 |
| Net interest income | $2,651,000 | 5,818 |
| Provision for loan and lease losses | $-184,000 | 8,428 |
| Total noninterest income | $512,000 | 4,982 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $113,000 | 5,858 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $399,000 | 3,738 |
| Total noninterest expense | $3,018,000 | 4,990 |
| Salaries and employee benefits | $1,550,000 | 5,206 |
| Premises and equipment expense | $200,000 | 6,730 |
| Additional noninterest expense | $1,268,000 | 3,919 |
| Pre-tax net operating income | $329,000 | 6,508 |
| Securities gains (losses) | $-145,000 | 8,215 |
| Applicable income taxes | $4,000 | 5,829 |
| Income before extraordinary items | $180,000 | 6,858 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $180,000 | 6,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-186,000 | 8,439 |
| Cash dividends | $100,000 | 5,341 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $322,100 | 6,328 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,457,000 | 4,652 |
| Total interest expense | $3,443,000 | 3,686 |
| Net interest income | $2,014,000 | 5,818 |
| Provision for loan and lease losses | $45,000 | 5,124 |
| Total noninterest income | $377,000 | 5,046 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $86,000 | 5,863 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $291,000 | 3,795 |
| Total noninterest expense | $2,209,000 | 5,035 |
| Salaries and employee benefits | $1,102,000 | 5,346 |
| Premises and equipment expense | $150,000 | 6,724 |
| Additional noninterest expense | $957,000 | 3,833 |
| Pre-tax net operating income | $137,000 | 7,188 |
| Securities gains (losses) | $22,000 | 807 |
| Applicable income taxes | $-117,000 | 8,254 |
| Income before extraordinary items | $276,000 | 6,444 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $276,000 | 6,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 2,913 |
| Cash dividends | $100,000 | 4,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $254,000 | 6,534 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,598,000 | 4,679 |
| Total interest expense | $2,264,000 | 3,718 |
| Net interest income | $1,334,000 | 5,868 |
| Provision for loan and lease losses | $45,000 | 4,495 |
| Total noninterest income | $218,000 | 5,409 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $57,000 | 5,893 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $161,000 | 4,188 |
| Total noninterest expense | $1,391,000 | 5,259 |
| Salaries and employee benefits | $711,000 | 5,496 |
| Premises and equipment expense | $101,000 | 6,761 |
| Additional noninterest expense | $579,000 | 4,127 |
| Pre-tax net operating income | $116,000 | 7,161 |
| Securities gains (losses) | $6,000 | 974 |
| Applicable income taxes | $26,000 | 5,192 |
| Income before extraordinary items | $96,000 | 7,146 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $96,000 | 7,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 3,409 |
| Cash dividends | $100,000 | 4,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $91,260 | 7,170 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,800,000 | 4,694 |
| Total interest expense | $1,124,000 | 3,700 |
| Net interest income | $676,000 | 5,844 |
| Provision for loan and lease losses | $40,000 | 3,421 |
| Total noninterest income | $118,000 | 5,171 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $28,000 | 5,902 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $90,000 | 3,960 |
| Total noninterest expense | $693,000 | 5,286 |
| Salaries and employee benefits | $358,000 | 5,515 |
| Premises and equipment expense | $51,000 | 6,759 |
| Additional noninterest expense | $284,000 | 4,126 |
| Pre-tax net operating income | $61,000 | 7,150 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $16,000 | 5,054 |
| Income before extraordinary items | $45,000 | 7,226 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $45,000 | 7,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 2,505 |
| Cash dividends | $100,000 | 3,076 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $45,000 | 7,220 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,709,000 | 4,681 |
| Total interest expense | $3,597,000 | 3,843 |
| Net interest income | $3,112,000 | 5,413 |
| Provision for loan and lease losses | $-505,000 | 8,600 |
| Total noninterest income | $464,000 | 5,296 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $134,000 | 5,719 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $330,000 | 4,115 |
| Total noninterest expense | $2,598,000 | 5,363 |
| Salaries and employee benefits | $1,312,000 | 5,628 |
| Premises and equipment expense | $193,000 | 6,802 |
| Additional noninterest expense | $1,093,000 | 4,236 |
| Pre-tax net operating income | $1,483,000 | 4,306 |
| Securities gains (losses) | $-70,000 | 8,064 |
| Applicable income taxes | $409,000 | 3,407 |
| Income before extraordinary items | $1,004,000 | 4,709 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,004,000 | 4,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-359,000 | 8,634 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,053,700 | 4,587 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,951,000 | 4,720 |
| Total interest expense | $2,544,000 | 3,914 |
| Net interest income | $2,407,000 | 5,363 |
| Provision for loan and lease losses | $-530,000 | 8,678 |
| Total noninterest income | $340,000 | 5,368 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $102,000 | 5,761 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $238,000 | 4,179 |
| Total noninterest expense | $1,923,000 | 5,384 |
| Salaries and employee benefits | $964,000 | 5,656 |
| Premises and equipment expense | $148,000 | 6,782 |
| Additional noninterest expense | $811,000 | 4,221 |
| Pre-tax net operating income | $1,354,000 | 4,016 |
| Securities gains (losses) | $-66,000 | 8,275 |
| Applicable income taxes | $410,000 | 3,142 |
| Income before extraordinary items | $878,000 | 4,482 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $878,000 | 4,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-372,000 | 8,685 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $922,880 | 4,345 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,254,000 | 4,722 |
| Total interest expense | $1,628,000 | 3,909 |
| Net interest income | $1,626,000 | 5,361 |
| Provision for loan and lease losses | $-555,000 | 8,721 |
| Total noninterest income | $242,000 | 5,221 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $66,000 | 5,810 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $176,000 | 3,987 |
| Total noninterest expense | $1,267,000 | 5,435 |
| Salaries and employee benefits | $643,000 | 5,686 |
| Premises and equipment expense | $101,000 | 6,744 |
| Additional noninterest expense | $523,000 | 4,329 |
| Pre-tax net operating income | $1,156,000 | 3,439 |
| Securities gains (losses) | $-66,000 | 8,436 |
| Applicable income taxes | $349,000 | 2,837 |
| Income before extraordinary items | $741,000 | 3,918 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $741,000 | 3,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-389,000 | 8,723 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $785,880 | 3,786 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,673,000 | 4,596 |
| Total interest expense | $787,000 | 3,856 |
| Net interest income | $886,000 | 5,083 |
| Provision for loan and lease losses | $-565,000 | 8,751 |
| Total noninterest income | $117,000 | 5,268 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $32,000 | 5,806 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $85,000 | 4,010 |
| Total noninterest expense | $632,000 | 5,451 |
| Salaries and employee benefits | $324,000 | 5,695 |
| Premises and equipment expense | $53,000 | 6,629 |
| Additional noninterest expense | $255,000 | 4,409 |
| Pre-tax net operating income | $936,000 | 2,395 |
| Securities gains (losses) | $-66,000 | 8,606 |
| Applicable income taxes | $271,000 | 2,144 |
| Income before extraordinary items | $599,000 | 2,751 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $599,000 | 2,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-417,000 | 8,759 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $644,540 | 2,586 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,860,000 | 4,665 |
| Total interest expense | $2,857,000 | 3,476 |
| Net interest income | $3,003,000 | 5,505 |
| Provision for loan and lease losses | $-212,000 | 8,700 |
| Total noninterest income | $482,000 | 5,324 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $121,000 | 5,986 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $361,000 | 3,949 |
| Total noninterest expense | $2,456,000 | 5,427 |
| Salaries and employee benefits | $1,202,000 | 5,794 |
| Premises and equipment expense | $248,000 | 6,233 |
| Additional noninterest expense | $1,006,000 | 4,405 |
| Pre-tax net operating income | $1,241,000 | 4,833 |
| Securities gains (losses) | $-16,000 | 7,722 |
| Applicable income taxes | $366,000 | 3,841 |
| Income before extraordinary items | $859,000 | 5,190 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $859,000 | 5,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-203,000 | 8,732 |
| Cash dividends | $110,000 | 5,422 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $870,200 | 5,129 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,294,000 | 4,703 |
| Total interest expense | $2,118,000 | 3,346 |
| Net interest income | $2,176,000 | 5,621 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $364,000 | 5,332 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $89,000 | 6,054 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $275,000 | 3,952 |
| Total noninterest expense | $1,801,000 | 5,478 |
| Salaries and employee benefits | $862,000 | 5,890 |
| Premises and equipment expense | $195,000 | 6,101 |
| Additional noninterest expense | $744,000 | 4,432 |
| Pre-tax net operating income | $739,000 | 5,529 |
| Securities gains (losses) | $-16,000 | 8,085 |
| Applicable income taxes | $209,000 | 4,347 |
| Income before extraordinary items | $514,000 | 5,838 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $514,000 | 5,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,742 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $525,360 | 5,758 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,808,000 | 4,704 |
| Total interest expense | $1,413,000 | 3,206 |
| Net interest income | $1,395,000 | 5,732 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $230,000 | 5,432 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $57,000 | 6,097 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $173,000 | 4,019 |
| Total noninterest expense | $1,207,000 | 5,460 |
| Salaries and employee benefits | $574,000 | 5,892 |
| Premises and equipment expense | $137,000 | 5,971 |
| Additional noninterest expense | $496,000 | 4,402 |
| Pre-tax net operating income | $418,000 | 5,871 |
| Securities gains (losses) | $-16,000 | 8,304 |
| Applicable income taxes | $110,000 | 4,694 |
| Income before extraordinary items | $292,000 | 6,178 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $292,000 | 6,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,385 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $303,680 | 6,050 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,381,000 | 4,732 |
| Total interest expense | $707,000 | 3,090 |
| Net interest income | $674,000 | 5,846 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $111,000 | 5,463 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $25,000 | 6,268 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $86,000 | 4,035 |
| Total noninterest expense | $614,000 | 5,440 |
| Salaries and employee benefits | $289,000 | 5,905 |
| Premises and equipment expense | $70,000 | 5,955 |
| Additional noninterest expense | $255,000 | 4,301 |
| Pre-tax net operating income | $171,000 | 6,301 |
| Securities gains (losses) | $-6,000 | 8,424 |
| Applicable income taxes | $46,000 | 4,870 |
| Income before extraordinary items | $119,000 | 6,588 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $119,000 | 6,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,116 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $123,320 | 6,475 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,878,000 | 4,323 |
| Total interest expense | $2,932,000 | 2,681 |
| Net interest income | $2,946,000 | 5,466 |
| Provision for loan and lease losses | $7,274,000 | 193 |
| Total noninterest income | $1,044,000 | 3,440 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $98,000 | 6,505 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $946,000 | 2,229 |
| Total noninterest expense | $2,581,000 | 5,190 |
| Salaries and employee benefits | $1,129,000 | 5,894 |
| Premises and equipment expense | $265,000 | 6,036 |
| Additional noninterest expense | $1,187,000 | 3,781 |
| Pre-tax net operating income | $-5,865,000 | 8,963 |
| Securities gains (losses) | $1,439,000 | 222 |
| Applicable income taxes | $-1,551,000 | 8,953 |
| Income before extraordinary items | $-2,875,000 | 8,942 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,875,000 | 8,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,173,000 | 182 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-3,810,350 | 8,945 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,247,000 | 4,419 |
| Total interest expense | $2,196,000 | 2,642 |
| Net interest income | $2,051,000 | 5,708 |
| Provision for loan and lease losses | $4,997,000 | 206 |
| Total noninterest income | $308,000 | 5,755 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $74,000 | 6,546 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $234,000 | 4,193 |
| Total noninterest expense | $1,886,000 | 5,241 |
| Salaries and employee benefits | $844,000 | 5,854 |
| Premises and equipment expense | $202,000 | 5,949 |
| Additional noninterest expense | $840,000 | 3,938 |
| Pre-tax net operating income | $-4,524,000 | 9,010 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-1,578,000 | 9,007 |
| Income before extraordinary items | $-2,946,000 | 9,004 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-2,946,000 | 9,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 3,844 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-2,946,000 | 8,993 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,921,000 | 4,328 |
| Total interest expense | $1,446,000 | 2,649 |
| Net interest income | $1,475,000 | 5,460 |
| Provision for loan and lease losses | $4,997,000 | 160 |
| Total noninterest income | $218,000 | 5,631 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $47,000 | 6,635 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $171,000 | 4,053 |
| Total noninterest expense | $1,241,000 | 5,318 |
| Salaries and employee benefits | $560,000 | 5,909 |
| Premises and equipment expense | $134,000 | 6,006 |
| Additional noninterest expense | $547,000 | 4,029 |
| Pre-tax net operating income | $-4,545,000 | 9,069 |
| Securities gains (losses) | $-2,000 | 8,438 |
| Applicable income taxes | $-1,573,000 | 9,063 |
| Income before extraordinary items | $-2,974,000 | 9,060 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,974,000 | 9,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,035 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-2,972,700 | 9,051 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,585,000 | 4,101 |
| Total interest expense | $716,000 | 2,699 |
| Net interest income | $869,000 | 4,912 |
| Provision for loan and lease losses | $97,000 | 2,183 |
| Total noninterest income | $124,000 | 5,242 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $22,000 | 6,668 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $102,000 | 3,674 |
| Total noninterest expense | $585,000 | 5,530 |
| Salaries and employee benefits | $288,000 | 5,851 |
| Premises and equipment expense | $69,000 | 5,921 |
| Additional noninterest expense | $228,000 | 4,622 |
| Pre-tax net operating income | $311,000 | 4,732 |
| Securities gains (losses) | $-2,000 | 8,748 |
| Applicable income taxes | $81,000 | 4,121 |
| Income before extraordinary items | $228,000 | 5,000 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $228,000 | 4,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $229,480 | 4,863 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,477,000 | 4,070 |
| Total interest expense | $3,167,000 | 2,730 |
| Net interest income | $3,310,000 | 4,984 |
| Provision for loan and lease losses | $134,000 | 4,775 |
| Total noninterest income | $593,000 | 5,006 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $86,000 | 6,787 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $507,000 | 3,565 |
| Total noninterest expense | $2,063,000 | 5,888 |
| Salaries and employee benefits | $993,000 | 6,293 |
| Premises and equipment expense | $276,000 | 5,914 |
| Additional noninterest expense | $794,000 | 5,070 |
| Pre-tax net operating income | $1,706,000 | 3,778 |
| Securities gains (losses) | $-41,000 | 8,940 |
| Applicable income taxes | $501,000 | 3,374 |
| Income before extraordinary items | $1,164,000 | 4,219 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,164,000 | 4,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,740 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,192,700 | 3,993 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,857,000 | 4,104 |
| Total interest expense | $2,431,000 | 2,758 |
| Net interest income | $2,426,000 | 5,081 |
| Provision for loan and lease losses | $134,000 | 4,182 |
| Total noninterest income | $515,000 | 4,668 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $63,000 | 6,886 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $452,000 | 3,321 |
| Total noninterest expense | $1,523,000 | 5,927 |
| Salaries and employee benefits | $737,000 | 6,307 |
| Premises and equipment expense | $208,000 | 5,887 |
| Additional noninterest expense | $578,000 | 5,153 |
| Pre-tax net operating income | $1,284,000 | 3,889 |
| Securities gains (losses) | $-27,000 | 9,042 |
| Applicable income taxes | $372,000 | 3,533 |
| Income before extraordinary items | $885,000 | 4,338 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $885,000 | 4,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,765 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $903,900 | 4,096 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,277,000 | 4,114 |
| Total interest expense | $1,667,000 | 2,756 |
| Net interest income | $1,610,000 | 5,084 |
| Provision for loan and lease losses | $102,000 | 3,820 |
| Total noninterest income | $353,000 | 4,563 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $41,000 | 6,904 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $312,000 | 3,220 |
| Total noninterest expense | $998,000 | 5,986 |
| Salaries and employee benefits | $484,000 | 6,375 |
| Premises and equipment expense | $132,000 | 6,008 |
| Additional noninterest expense | $382,000 | 5,177 |
| Pre-tax net operating income | $863,000 | 3,866 |
| Securities gains (losses) | $-2,000 | 8,918 |
| Applicable income taxes | $257,000 | 3,506 |
| Income before extraordinary items | $604,000 | 4,274 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $604,000 | 4,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,977 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $605,400 | 4,066 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,659,000 | 4,109 |
| Total interest expense | $855,000 | 2,758 |
| Net interest income | $804,000 | 5,078 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $155,000 | 4,810 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $18,000 | 7,056 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $137,000 | 3,373 |
| Total noninterest expense | $500,000 | 5,999 |
| Salaries and employee benefits | $239,000 | 6,421 |
| Premises and equipment expense | $68,000 | 5,942 |
| Additional noninterest expense | $193,000 | 5,097 |
| Pre-tax net operating income | $459,000 | 3,698 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $131,000 | 3,466 |
| Income before extraordinary items | $328,000 | 3,990 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $328,000 | 3,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $328,000 | 3,804 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,644,000 | 4,220 |
| Total interest expense | $3,705,000 | 2,939 |
| Net interest income | $2,939,000 | 5,352 |
| Provision for loan and lease losses | $266,000 | 3,720 |
| Total noninterest income | $358,000 | 6,044 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $73,000 | 7,070 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $285,000 | 4,363 |
| Total noninterest expense | $1,948,000 | 5,962 |
| Salaries and employee benefits | $927,000 | 6,414 |
| Premises and equipment expense | $266,000 | 5,936 |
| Additional noninterest expense | $755,000 | 5,136 |
| Pre-tax net operating income | $1,083,000 | 5,005 |
| Securities gains (losses) | $76,000 | 2,019 |
| Applicable income taxes | $348,000 | 4,169 |
| Income before extraordinary items | $811,000 | 5,168 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $811,000 | 5,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,660 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $757,800 | 5,209 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,345,000 | 4,766 |
| Total interest expense | $4,140,000 | 3,692 |
| Net interest income | $2,205,000 | 6,125 |
| Provision for loan and lease losses | $74,000 | 6,121 |
| Total noninterest income | $272,000 | 6,650 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $65,000 | 7,289 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $207,000 | 4,858 |
| Total noninterest expense | $1,770,000 | 6,201 |
| Salaries and employee benefits | $851,000 | 6,573 |
| Premises and equipment expense | $259,000 | 5,977 |
| Additional noninterest expense | $660,000 | 5,486 |
| Pre-tax net operating income | $633,000 | 6,057 |
| Securities gains (losses) | $9,000 | 3,652 |
| Applicable income taxes | $158,000 | 5,369 |
| Income before extraordinary items | $484,000 | 6,160 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $484,000 | 6,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,628 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $477,250 | 6,057 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,134,000 | 5,001 |
| Total interest expense | $4,103,000 | 3,894 |
| Net interest income | $2,031,000 | 6,518 |
| Provision for loan and lease losses | $13,000 | 7,828 |
| Total noninterest income | $150,000 | 7,887 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 7,255 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 6,842 |
| Total noninterest expense | $1,706,000 | 6,260 |
| Salaries and employee benefits | $859,000 | 6,464 |
| Premises and equipment expense | $244,000 | 6,137 |
| Additional noninterest expense | $603,000 | 5,770 |
| Pre-tax net operating income | $462,000 | 7,188 |
| Securities gains (losses) | $9,000 | 1,192 |
| Applicable income taxes | $103,000 | 6,475 |
| Income before extraordinary items | $368,000 | 7,054 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $368,000 | 7,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,414 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $360,980 | 7,093 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,404,000 | 5,302 |
| Total interest expense | $3,435,000 | 4,111 |
| Net interest income | $1,969,000 | 6,703 |
| Provision for loan and lease losses | $9,000 | 8,193 |
| Total noninterest income | $131,000 | 8,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $69,000 | 7,378 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 7,661 |
| Total noninterest expense | $1,605,000 | 6,521 |
| Salaries and employee benefits | $776,000 | 6,862 |
| Premises and equipment expense | $237,000 | 6,230 |
| Additional noninterest expense | $592,000 | 5,880 |
| Pre-tax net operating income | $486,000 | 7,200 |
| Securities gains (losses) | $4,000 | 2,267 |
| Applicable income taxes | $110,000 | 6,786 |
| Income before extraordinary items | $380,000 | 7,096 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $380,000 | 7,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $376,880 | 7,091 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,306,000 | 5,447 |
| Total interest expense | $3,448,000 | 4,191 |
| Net interest income | $1,858,000 | 6,927 |
| Provision for loan and lease losses | $10,000 | 8,212 |
| Total noninterest income | $144,000 | 8,311 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 7,935 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 6,875 |
| Total noninterest expense | $1,367,000 | 7,051 |
| Salaries and employee benefits | $683,000 | 7,283 |
| Premises and equipment expense | $130,000 | 8,067 |
| Additional noninterest expense | $554,000 | 6,072 |
| Pre-tax net operating income | $625,000 | 6,790 |
| Securities gains (losses) | $6,000 | 3,324 |
| Applicable income taxes | $204,000 | 6,143 |
| Income before extraordinary items | $427,000 | 7,053 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $427,000 | 7,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,842 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $422,920 | 6,983 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,013,000 | 5,799 |
| Total interest expense | $3,291,000 | 4,341 |
| Net interest income | $1,722,000 | 7,500 |
| Provision for loan and lease losses | $42,000 | 6,950 |
| Total noninterest income | $53,000 | 10,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 8,879 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 9,798 |
| Total noninterest expense | $1,064,000 | 8,121 |
| Salaries and employee benefits | $540,000 | 8,333 |
| Premises and equipment expense | $94,000 | 9,100 |
| Additional noninterest expense | $430,000 | 7,098 |
| Pre-tax net operating income | $669,000 | 7,113 |
| Securities gains (losses) | $8,000 | 2,485 |
| Applicable income taxes | $227,000 | 6,538 |
| Income before extraordinary items | $450,000 | 7,310 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $450,000 | 7,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $444,720 | 7,298 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,019,000 | 5,911 |
| Total interest expense | $3,388,000 | 4,317 |
| Net interest income | $1,631,000 | 7,946 |
| Provision for loan and lease losses | $13,000 | 8,331 |
| Total noninterest income | $95,000 | 9,977 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $95,000 | 7,288 |
| Total noninterest expense | $1,632,000 | 6,758 |
| Salaries and employee benefits | $654,000 | 7,820 |
| Premises and equipment expense | $178,000 | 7,473 |
| Additional noninterest expense | $800,000 | 5,201 |
| Pre-tax net operating income | $81,000 | 10,467 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $6,000 | 10,431 |
| Income before extraordinary items | $75,000 | 10,420 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $75,000 | 10,419 |
| 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 | $75,000 | 10,374 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,980,000 | 6,001 |
| Total interest expense | $3,242,000 | 4,440 |
| Net interest income | $1,738,000 | 7,920 |
| Provision for loan and lease losses | $18,000 | 7,795 |
| Total noninterest income | $81,000 | 10,708 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $81,000 | 7,917 |
| Total noninterest expense | $1,061,000 | 8,714 |
| Salaries and employee benefits | $568,000 | 8,585 |
| Premises and equipment expense | $164,000 | 7,947 |
| Additional noninterest expense | $329,000 | 8,926 |
| Pre-tax net operating income | $740,000 | 7,113 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $232,000 | 6,930 |
| Income before extraordinary items | $508,000 | 7,192 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $508,000 | 7,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $508,000 | 7,162 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,968,000 | 5,700 |
| Total interest expense | $2,838,000 | 4,161 |
| Net interest income | $2,130,000 | 7,247 |
| Provision for loan and lease losses | $15,000 | 8,073 |
| Total noninterest income | $75,000 | 11,378 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $75,000 | 8,448 |
| Total noninterest expense | $968,000 | 9,484 |
| Salaries and employee benefits | $545,000 | 9,002 |
| Premises and equipment expense | $136,000 | 8,926 |
| Additional noninterest expense | $287,000 | 10,109 |
| Pre-tax net operating income | $1,222,000 | 5,176 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $379,000 | 4,948 |
| Income before extraordinary items | $843,000 | 5,153 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $843,000 | 5,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $843,000 | 5,206 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,165,000 | 5,614 |
| Total interest expense | $3,059,000 | 4,052 |
| Net interest income | $2,106,000 | 7,418 |
| Provision for loan and lease losses | $32,000 | 8,327 |
| Total noninterest income | $75,000 | 11,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $75,000 | 8,845 |
| Total noninterest expense | $998,000 | 9,730 |
| Salaries and employee benefits | $589,000 | 8,895 |
| Premises and equipment expense | $139,000 | 9,201 |
| Additional noninterest expense | $270,000 | 10,824 |
| Pre-tax net operating income | $1,151,000 | 5,338 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $386,000 | 5,138 |
| Income before extraordinary items | $765,000 | 5,753 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $765,000 | 5,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $765,000 | 5,505 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,374,000 | 6,006 |
| Total interest expense | $3,562,000 | 4,484 |
| Net interest income | $1,812,000 | 8,304 |
| Provision for loan and lease losses | $36,000 | 9,661 |
| Total noninterest income | $85,000 | 12,134 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $85,000 | 8,638 |
| Total noninterest expense | $998,000 | 9,992 |
| Salaries and employee benefits | $492,000 | 9,859 |
| Premises and equipment expense | $133,000 | 9,598 |
| Additional noninterest expense | $373,000 | 9,907 |
| Pre-tax net operating income | $863,000 | 6,275 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $319,000 | 5,701 |
| Income before extraordinary items | $544,000 | 6,961 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $544,000 | 7,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $544,000 | 6,602 |
* 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.