Home > Heartland Bank > Income and Expense
Heartland Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,709,000 | 5,349 |
| Total interest expense | $552,000 | 3,598 |
| Net interest income | $1,157,000 | 5,725 |
| Provision for loan and lease losses | $180,000 | 3,106 |
| Total noninterest income | $-628,000 | 7,200 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $48,000 | 5,582 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-676,000 | 7,184 |
| Total noninterest expense | $1,824,000 | 4,320 |
| Salaries and employee benefits | $673,000 | 5,174 |
| Premises and equipment expense | $220,000 | 4,169 |
| Additional noninterest expense | $931,000 | 3,310 |
| Pre-tax net operating income | $-1,475,000 | 7,040 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-1,475,000 | 7,064 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,475,000 | 7,063 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-1,475,000 | 7,064 |
| Net charge-offs | $1,349,000 | 926 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-1,475,000 | 7,048 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $879,000 | 5,332 |
| Total interest expense | $296,000 | 3,539 |
| Net interest income | $583,000 | 5,754 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $46,000 | 5,932 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $24,000 | 5,577 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $22,000 | 5,635 |
| Total noninterest expense | $1,004,000 | 4,092 |
| Salaries and employee benefits | $353,000 | 5,102 |
| Premises and equipment expense | $110,000 | 4,193 |
| Additional noninterest expense | $541,000 | 2,903 |
| Pre-tax net operating income | $-375,000 | 6,987 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-375,000 | 7,027 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-375,000 | 7,026 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-375,000 | 7,027 |
| Net charge-offs | $-16,000 | 6,815 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-375,000 | 7,005 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,428,000 | 4,893 |
| Total interest expense | $1,502,000 | 3,446 |
| Net interest income | $2,926,000 | 5,327 |
| Provision for loan and lease losses | $2,225,000 | 1,455 |
| Total noninterest income | $-633,000 | 7,214 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $136,000 | 5,052 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-769,000 | 7,164 |
| Total noninterest expense | $3,647,000 | 4,380 |
| Salaries and employee benefits | $1,514,000 | 4,932 |
| Premises and equipment expense | $475,000 | 4,175 |
| Additional noninterest expense | $1,658,000 | 3,605 |
| Pre-tax net operating income | $-3,579,000 | 6,970 |
| Securities gains (losses) | $1,000 | 3,733 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-3,578,000 | 6,996 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,578,000 | 6,997 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-3,578,000 | 6,997 |
| Net charge-offs | $2,879,000 | 1,227 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-3,579,000 | 6,976 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,448,000 | 4,831 |
| Total interest expense | $1,168,000 | 3,475 |
| Net interest income | $2,280,000 | 5,271 |
| Provision for loan and lease losses | $2,225,000 | 1,159 |
| Total noninterest income | $-711,000 | 7,331 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $113,000 | 4,911 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-824,000 | 7,300 |
| Total noninterest expense | $2,870,000 | 4,246 |
| Salaries and employee benefits | $1,153,000 | 4,892 |
| Premises and equipment expense | $384,000 | 4,024 |
| Additional noninterest expense | $1,333,000 | 3,437 |
| Pre-tax net operating income | $-3,526,000 | 7,144 |
| Securities gains (losses) | $1,000 | 3,451 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-3,525,000 | 7,190 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,525,000 | 7,187 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-3,525,000 | 7,190 |
| Net charge-offs | $2,890,000 | 975 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-3,526,000 | 7,176 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,400,000 | 4,771 |
| Total interest expense | $804,000 | 3,502 |
| Net interest income | $1,596,000 | 5,190 |
| Provision for loan and lease losses | $725,000 | 1,853 |
| Total noninterest income | $60,000 | 6,416 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $82,000 | 4,746 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-22,000 | 7,071 |
| Total noninterest expense | $1,979,000 | 4,189 |
| Salaries and employee benefits | $781,000 | 4,892 |
| Premises and equipment expense | $260,000 | 4,016 |
| Additional noninterest expense | $938,000 | 3,351 |
| Pre-tax net operating income | $-1,048,000 | 6,995 |
| Securities gains (losses) | $1,000 | 2,791 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-1,047,000 | 7,049 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,047,000 | 7,048 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-1,047,000 | 7,049 |
| Net charge-offs | $1,587,000 | 1,077 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-1,048,000 | 7,029 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,214,000 | 4,768 |
| Total interest expense | $442,000 | 3,362 |
| Net interest income | $772,000 | 5,262 |
| Provision for loan and lease losses | $350,000 | 1,781 |
| Total noninterest income | $-44,000 | 7,384 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $43,000 | 4,615 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-87,000 | 7,350 |
| Total noninterest expense | $1,042,000 | 4,075 |
| Salaries and employee benefits | $419,000 | 4,732 |
| Premises and equipment expense | $134,000 | 3,992 |
| Additional noninterest expense | $489,000 | 3,251 |
| Pre-tax net operating income | $-664,000 | 7,162 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-664,000 | 7,198 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-664,000 | 7,199 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-664,000 | 7,199 |
| Net charge-offs | $1,593,000 | 628 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-664,000 | 7,191 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $6,260,000 | 4,190 |
| Total interest expense | $2,676,000 | 2,836 |
| Net interest income | $3,584,000 | 4,887 |
| Provision for loan and lease losses | $8,920,000 | 735 |
| Total noninterest income | $171,000 | 6,153 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $194,000 | 4,467 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-23,000 | 7,065 |
| Total noninterest expense | $4,608,000 | 3,831 |
| Salaries and employee benefits | $2,022,000 | 4,199 |
| Premises and equipment expense | $514,000 | 4,098 |
| Additional noninterest expense | $2,072,000 | 3,161 |
| Pre-tax net operating income | $-9,773,000 | 7,349 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $3,300,000 | 502 |
| Income before extraordinary items | $-13,073,000 | 7,448 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-13,073,000 | 7,448 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-13,073,000 | 7,448 |
| Net charge-offs | $7,811,000 | 731 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-13,073,000 | 7,436 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,923,000 | 4,159 |
| Total interest expense | $2,121,000 | 2,834 |
| Net interest income | $2,802,000 | 4,835 |
| Provision for loan and lease losses | $6,540,000 | 709 |
| Total noninterest income | $96,000 | 6,581 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $150,000 | 4,473 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-54,000 | 7,332 |
| Total noninterest expense | $3,120,000 | 4,099 |
| Salaries and employee benefits | $1,619,000 | 4,056 |
| Premises and equipment expense | $381,000 | 4,200 |
| Additional noninterest expense | $1,120,000 | 3,996 |
| Pre-tax net operating income | $-6,762,000 | 7,454 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $3,299,000 | 399 |
| Income before extraordinary items | $-10,061,000 | 7,576 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-10,061,000 | 7,576 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-10,061,000 | 7,576 |
| Net charge-offs | $4,312,000 | 871 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-10,061,000 | 7,575 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,131,000 | 4,319 |
| Total interest expense | $1,480,000 | 2,826 |
| Net interest income | $1,651,000 | 5,173 |
| Provision for loan and lease losses | $4,140,000 | 748 |
| Total noninterest income | $52,000 | 6,823 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $102,000 | 4,444 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-50,000 | 7,451 |
| Total noninterest expense | $2,109,000 | 4,091 |
| Salaries and employee benefits | $1,142,000 | 3,910 |
| Premises and equipment expense | $250,000 | 4,276 |
| Additional noninterest expense | $717,000 | 4,072 |
| Pre-tax net operating income | $-4,546,000 | 7,530 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-4,546,000 | 7,560 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-4,546,000 | 7,560 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-4,546,000 | 7,560 |
| Net charge-offs | $3,589,000 | 714 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-4,546,000 | 7,554 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,604,000 | 4,320 |
| Total interest expense | $823,000 | 2,699 |
| Net interest income | $781,000 | 5,363 |
| Provision for loan and lease losses | $1,640,000 | 844 |
| Total noninterest income | $-66,000 | 7,774 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $46,000 | 4,630 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-112,000 | 7,750 |
| Total noninterest expense | $1,079,000 | 4,064 |
| Salaries and employee benefits | $593,000 | 3,864 |
| Premises and equipment expense | $128,000 | 4,303 |
| Additional noninterest expense | $358,000 | 4,080 |
| Pre-tax net operating income | $-2,004,000 | 7,597 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-2,004,000 | 7,651 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-2,004,000 | 7,652 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-2,004,000 | 7,652 |
| Net charge-offs | $2,356,000 | 580 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-2,004,000 | 7,646 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,360,000 | 4,038 |
| Total interest expense | $4,453,000 | 2,505 |
| Net interest income | $2,907,000 | 5,465 |
| Provision for loan and lease losses | $2,085,000 | 2,426 |
| Total noninterest income | $561,000 | 4,506 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $210,000 | 4,563 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $351,000 | 3,731 |
| Total noninterest expense | $5,443,000 | 3,434 |
| Salaries and employee benefits | $2,346,000 | 3,875 |
| Premises and equipment expense | $545,000 | 4,150 |
| Additional noninterest expense | $2,552,000 | 2,698 |
| Pre-tax net operating income | $-4,060,000 | 7,070 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-523,000 | 7,051 |
| Income before extraordinary items | $-3,537,000 | 7,087 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-3,537,000 | 7,085 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-3,537,000 | 7,085 |
| Net charge-offs | $5,377,000 | 1,083 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-3,537,000 | 7,085 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,642,000 | 4,039 |
| Total interest expense | $3,489,000 | 2,512 |
| Net interest income | $2,153,000 | 5,518 |
| Provision for loan and lease losses | $2,085,000 | 1,853 |
| Total noninterest income | $423,000 | 4,551 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $166,000 | 4,480 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $257,000 | 3,857 |
| Total noninterest expense | $4,312,000 | 3,287 |
| Salaries and employee benefits | $1,769,000 | 3,905 |
| Premises and equipment expense | $414,000 | 4,160 |
| Additional noninterest expense | $2,129,000 | 2,429 |
| Pre-tax net operating income | $-3,821,000 | 7,397 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-1,127,000 | 7,589 |
| Income before extraordinary items | $-2,694,000 | 7,325 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-2,694,000 | 7,325 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-2,694,000 | 7,325 |
| Net charge-offs | $4,059,000 | 967 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,694,000 | 7,315 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,749,000 | 4,085 |
| Total interest expense | $2,422,000 | 2,526 |
| Net interest income | $1,327,000 | 5,722 |
| Provision for loan and lease losses | $945,000 | 2,140 |
| Total noninterest income | $267,000 | 4,675 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $102,000 | 4,629 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $165,000 | 3,955 |
| Total noninterest expense | $3,107,000 | 3,137 |
| Salaries and employee benefits | $1,198,000 | 3,902 |
| Premises and equipment expense | $274,000 | 4,203 |
| Additional noninterest expense | $1,635,000 | 2,169 |
| Pre-tax net operating income | $-2,458,000 | 7,492 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-609,000 | 7,631 |
| Income before extraordinary items | $-1,849,000 | 7,437 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,849,000 | 7,436 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,849,000 | 7,435 |
| Net charge-offs | $4,060,000 | 674 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-1,849,000 | 7,437 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,894,000 | 4,097 |
| Total interest expense | $1,239,000 | 2,550 |
| Net interest income | $655,000 | 5,760 |
| Provision for loan and lease losses | $250,000 | 2,548 |
| Total noninterest income | $143,000 | 4,506 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $49,000 | 4,651 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $94,000 | 3,755 |
| Total noninterest expense | $1,237,000 | 3,689 |
| Salaries and employee benefits | $624,000 | 3,803 |
| Premises and equipment expense | $137,000 | 4,253 |
| Additional noninterest expense | $476,000 | 3,134 |
| Pre-tax net operating income | $-689,000 | 7,480 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-106,000 | 7,567 |
| Income before extraordinary items | $-583,000 | 7,512 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-583,000 | 7,513 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-583,000 | 7,513 |
| Net charge-offs | $1,218,000 | 858 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-583,000 | 7,491 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $10,560,000 | 3,385 |
| Total interest expense | $6,163,000 | 2,456 |
| Net interest income | $4,397,000 | 4,285 |
| Provision for loan and lease losses | $7,075,000 | 779 |
| Total noninterest income | $891,000 | 3,653 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $202,000 | 4,765 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $689,000 | 2,686 |
| Total noninterest expense | $4,772,000 | 3,701 |
| Salaries and employee benefits | $2,846,000 | 3,401 |
| Premises and equipment expense | $610,000 | 3,893 |
| Additional noninterest expense | $1,316,000 | 3,982 |
| Pre-tax net operating income | $-6,559,000 | 7,886 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-4,042,000 | 8,064 |
| Income before extraordinary items | $-2,517,000 | 7,513 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,517,000 | 7,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,107,000 | 1,253 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,517,000 | 7,596 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,487,000 | 3,257 |
| Total interest expense | $4,797,000 | 2,468 |
| Net interest income | $3,690,000 | 4,006 |
| Provision for loan and lease losses | $3,875,000 | 779 |
| Total noninterest income | $717,000 | 3,595 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $153,000 | 4,787 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $564,000 | 2,617 |
| Total noninterest expense | $3,577,000 | 3,689 |
| Salaries and employee benefits | $2,153,000 | 3,417 |
| Premises and equipment expense | $478,000 | 3,756 |
| Additional noninterest expense | $946,000 | 4,035 |
| Pre-tax net operating income | $-3,045,000 | 8,023 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-1,205,000 | 8,096 |
| Income before extraordinary items | $-1,840,000 | 7,825 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,840,000 | 7,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,107,000 | 801 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,840,000 | 7,901 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,878,000 | 3,202 |
| Total interest expense | $3,403,000 | 2,419 |
| Net interest income | $2,475,000 | 4,009 |
| Provision for loan and lease losses | $1,840,000 | 833 |
| Total noninterest income | $505,000 | 3,478 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $88,000 | 5,077 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $417,000 | 2,525 |
| Total noninterest expense | $2,420,000 | 3,674 |
| Salaries and employee benefits | $1,487,000 | 3,359 |
| Premises and equipment expense | $316,000 | 3,808 |
| Additional noninterest expense | $617,000 | 4,098 |
| Pre-tax net operating income | $-1,280,000 | 8,022 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-516,000 | 8,182 |
| Income before extraordinary items | $-764,000 | 7,879 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-764,000 | 7,878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,851,000 | 579 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-764,000 | 7,857 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,085,000 | 3,143 |
| Total interest expense | $1,846,000 | 2,402 |
| Net interest income | $1,239,000 | 4,008 |
| Provision for loan and lease losses | $1,290,000 | 536 |
| Total noninterest income | $269,000 | 3,357 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $40,000 | 5,234 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $229,000 | 2,362 |
| Total noninterest expense | $1,190,000 | 3,722 |
| Salaries and employee benefits | $748,000 | 3,361 |
| Premises and equipment expense | $156,000 | 3,860 |
| Additional noninterest expense | $286,000 | 4,266 |
| Pre-tax net operating income | $-972,000 | 8,265 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-396,000 | 8,339 |
| Income before extraordinary items | $-576,000 | 8,178 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-576,000 | 8,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 2,388 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-576,000 | 8,167 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,673,000 | 2,738 |
| Total interest expense | $7,837,000 | 2,359 |
| Net interest income | $6,836,000 | 3,158 |
| Provision for loan and lease losses | $558,000 | 2,173 |
| Total noninterest income | $750,000 | 4,146 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $166,000 | 5,248 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $584,000 | 3,050 |
| Total noninterest expense | $4,834,000 | 3,542 |
| Salaries and employee benefits | $2,820,000 | 3,399 |
| Premises and equipment expense | $632,000 | 3,702 |
| Additional noninterest expense | $1,382,000 | 3,654 |
| Pre-tax net operating income | $2,194,000 | 3,128 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $811,000 | 2,123 |
| Income before extraordinary items | $1,383,000 | 3,607 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,383,000 | 3,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,709 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,383,000 | 3,596 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,115,000 | 2,707 |
| Total interest expense | $5,819,000 | 2,374 |
| Net interest income | $5,296,000 | 3,084 |
| Provision for loan and lease losses | $283,000 | 2,398 |
| Total noninterest income | $549,000 | 4,198 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $120,000 | 5,331 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $429,000 | 3,081 |
| Total noninterest expense | $3,580,000 | 3,553 |
| Salaries and employee benefits | $2,148,000 | 3,331 |
| Premises and equipment expense | $479,000 | 3,663 |
| Additional noninterest expense | $953,000 | 3,850 |
| Pre-tax net operating income | $1,982,000 | 2,855 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $711,000 | 2,060 |
| Income before extraordinary items | $1,271,000 | 3,338 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,271,000 | 3,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,441 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,271,000 | 3,324 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,151,000 | 2,812 |
| Total interest expense | $3,722,000 | 2,474 |
| Net interest income | $3,429,000 | 3,179 |
| Provision for loan and lease losses | $226,000 | 1,979 |
| Total noninterest income | $370,000 | 4,205 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $80,000 | 5,357 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $290,000 | 3,075 |
| Total noninterest expense | $2,289,000 | 3,712 |
| Salaries and employee benefits | $1,407,000 | 3,414 |
| Premises and equipment expense | $318,000 | 3,693 |
| Additional noninterest expense | $564,000 | 4,202 |
| Pre-tax net operating income | $1,284,000 | 2,971 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $475,000 | 2,144 |
| Income before extraordinary items | $809,000 | 3,494 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $809,000 | 3,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,005 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $809,000 | 3,470 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,530,000 | 2,842 |
| Total interest expense | $1,778,000 | 2,569 |
| Net interest income | $1,752,000 | 3,120 |
| Provision for loan and lease losses | $122,000 | 1,737 |
| Total noninterest income | $148,000 | 4,668 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $41,000 | 5,255 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $107,000 | 3,642 |
| Total noninterest expense | $1,111,000 | 3,800 |
| Salaries and employee benefits | $675,000 | 3,557 |
| Premises and equipment expense | $163,000 | 3,650 |
| Additional noninterest expense | $273,000 | 4,239 |
| Pre-tax net operating income | $667,000 | 2,900 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $247,000 | 2,102 |
| Income before extraordinary items | $420,000 | 3,376 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $420,000 | 3,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $420,000 | 3,354 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,051,000 | 3,304 |
| Total interest expense | $4,918,000 | 3,069 |
| Net interest income | $6,133,000 | 3,468 |
| Provision for loan and lease losses | $393,000 | 2,304 |
| Total noninterest income | $410,000 | 5,553 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $108,000 | 6,042 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $302,000 | 4,279 |
| Total noninterest expense | $3,307,000 | 4,568 |
| Salaries and employee benefits | $1,952,000 | 4,355 |
| Premises and equipment expense | $349,000 | 5,333 |
| Additional noninterest expense | $1,006,000 | 4,496 |
| Pre-tax net operating income | $2,843,000 | 2,874 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,031,000 | 2,151 |
| Income before extraordinary items | $1,812,000 | 3,333 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,812,000 | 3,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,784 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,812,000 | 3,310 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,779,000 | 3,455 |
| Total interest expense | $3,278,000 | 3,270 |
| Net interest income | $4,501,000 | 3,540 |
| Provision for loan and lease losses | $308,000 | 2,104 |
| Total noninterest income | $294,000 | 5,667 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $75,000 | 6,229 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $219,000 | 4,347 |
| Total noninterest expense | $2,325,000 | 4,763 |
| Salaries and employee benefits | $1,386,000 | 4,507 |
| Premises and equipment expense | $259,000 | 5,361 |
| Additional noninterest expense | $680,000 | 4,812 |
| Pre-tax net operating income | $2,162,000 | 2,962 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $779,000 | 2,241 |
| Income before extraordinary items | $1,383,000 | 3,379 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,383,000 | 3,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,511 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,383,000 | 3,371 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,765,000 | 3,627 |
| Total interest expense | $1,911,000 | 3,507 |
| Net interest income | $2,854,000 | 3,679 |
| Provision for loan and lease losses | $171,000 | 2,390 |
| Total noninterest income | $180,000 | 5,854 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $43,000 | 6,440 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $137,000 | 4,474 |
| Total noninterest expense | $1,444,000 | 5,020 |
| Salaries and employee benefits | $879,000 | 4,687 |
| Premises and equipment expense | $168,000 | 5,459 |
| Additional noninterest expense | $397,000 | 5,232 |
| Pre-tax net operating income | $1,419,000 | 2,992 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $504,000 | 2,300 |
| Income before extraordinary items | $915,000 | 3,414 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $915,000 | 3,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,236 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $915,000 | 3,404 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,302,000 | 3,663 |
| Total interest expense | $891,000 | 3,567 |
| Net interest income | $1,411,000 | 3,709 |
| Provision for loan and lease losses | $10,000 | 5,231 |
| Total noninterest income | $84,000 | 5,967 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $19,000 | 6,578 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $65,000 | 4,564 |
| Total noninterest expense | $694,000 | 5,157 |
| Salaries and employee benefits | $415,000 | 4,894 |
| Premises and equipment expense | $84,000 | 5,502 |
| Additional noninterest expense | $195,000 | 5,258 |
| Pre-tax net operating income | $791,000 | 2,732 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $272,000 | 2,140 |
| Income before extraordinary items | $519,000 | 3,073 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $519,000 | 3,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $519,000 | 3,052 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,742,000 | 4,258 |
| Total interest expense | $2,429,000 | 3,904 |
| Net interest income | $4,313,000 | 4,399 |
| Provision for loan and lease losses | $503,000 | 1,886 |
| Total noninterest income | $231,000 | 6,819 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $95,000 | 6,353 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $136,000 | 5,892 |
| Total noninterest expense | $2,402,000 | 5,501 |
| Salaries and employee benefits | $1,392,000 | 5,311 |
| Premises and equipment expense | $298,000 | 5,753 |
| Additional noninterest expense | $712,000 | 5,540 |
| Pre-tax net operating income | $1,639,000 | 4,173 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $174,000 | 4,842 |
| Income before extraordinary items | $1,465,000 | 3,839 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,465,000 | 3,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,956 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,465,000 | 3,810 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,680,000 | 4,459 |
| Total interest expense | $1,628,000 | 4,065 |
| Net interest income | $3,052,000 | 4,589 |
| Provision for loan and lease losses | $330,000 | 2,034 |
| Total noninterest income | $145,000 | 7,137 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $72,000 | 6,383 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $73,000 | 6,452 |
| Total noninterest expense | $1,748,000 | 5,562 |
| Salaries and employee benefits | $1,003,000 | 5,409 |
| Premises and equipment expense | $231,000 | 5,653 |
| Additional noninterest expense | $514,000 | 5,623 |
| Pre-tax net operating income | $1,119,000 | 4,498 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-19,000 | 8,629 |
| Income before extraordinary items | $1,138,000 | 3,817 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,138,000 | 3,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,740 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,138,000 | 3,766 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,891,000 | 4,614 |
| Total interest expense | $952,000 | 4,274 |
| Net interest income | $1,939,000 | 4,719 |
| Provision for loan and lease losses | $214,000 | 2,039 |
| Total noninterest income | $104,000 | 6,995 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $50,000 | 6,311 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $54,000 | 6,283 |
| Total noninterest expense | $1,120,000 | 5,692 |
| Salaries and employee benefits | $640,000 | 5,530 |
| Premises and equipment expense | $146,000 | 5,777 |
| Additional noninterest expense | $334,000 | 5,681 |
| Pre-tax net operating income | $709,000 | 4,579 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $156,000 | 4,190 |
| Income before extraordinary items | $553,000 | 4,632 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $553,000 | 4,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,591 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $553,000 | 4,585 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,317,000 | 4,882 |
| Total interest expense | $418,000 | 4,536 |
| Net interest income | $899,000 | 4,962 |
| Provision for loan and lease losses | $105,000 | 1,941 |
| Total noninterest income | $50,000 | 7,067 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $24,000 | 6,339 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $26,000 | 6,409 |
| Total noninterest expense | $542,000 | 5,821 |
| Salaries and employee benefits | $311,000 | 5,675 |
| Premises and equipment expense | $71,000 | 5,908 |
| Additional noninterest expense | $160,000 | 5,793 |
| Pre-tax net operating income | $302,000 | 4,974 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $66,000 | 4,377 |
| Income before extraordinary items | $236,000 | 5,012 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $236,000 | 5,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,322 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $236,000 | 4,974 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,630,000 | 5,864 |
| Total interest expense | $1,015,000 | 5,603 |
| Net interest income | $2,615,000 | 5,859 |
| Provision for loan and lease losses | $250,000 | 3,237 |
| Total noninterest income | $260,000 | 6,697 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $92,000 | 6,594 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $168,000 | 5,470 |
| Total noninterest expense | $2,195,000 | 5,710 |
| Salaries and employee benefits | $1,238,000 | 5,598 |
| Premises and equipment expense | $310,000 | 5,586 |
| Additional noninterest expense | $647,000 | 5,769 |
| Pre-tax net operating income | $430,000 | 6,943 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $94,000 | 5,572 |
| Income before extraordinary items | $336,000 | 7,074 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $336,000 | 7,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,856 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $336,000 | 7,022 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,510,000 | 6,094 |
| Total interest expense | $679,000 | 5,912 |
| Net interest income | $1,831,000 | 6,089 |
| Provision for loan and lease losses | $178,000 | 3,258 |
| Total noninterest income | $200,000 | 6,677 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $69,000 | 6,644 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $131,000 | 5,402 |
| Total noninterest expense | $1,621,000 | 5,727 |
| Salaries and employee benefits | $887,000 | 5,699 |
| Premises and equipment expense | $246,000 | 5,392 |
| Additional noninterest expense | $488,000 | 5,704 |
| Pre-tax net operating income | $232,000 | 7,541 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $51,000 | 5,955 |
| Income before extraordinary items | $181,000 | 7,589 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $181,000 | 7,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,743 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $181,000 | 7,531 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,591,000 | 6,276 |
| Total interest expense | $403,000 | 6,270 |
| Net interest income | $1,188,000 | 6,175 |
| Provision for loan and lease losses | $83,000 | 3,874 |
| Total noninterest income | $145,000 | 6,544 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $41,000 | 6,815 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $104,000 | 5,095 |
| Total noninterest expense | $1,105,000 | 5,698 |
| Salaries and employee benefits | $599,000 | 5,693 |
| Premises and equipment expense | $185,000 | 5,027 |
| Additional noninterest expense | $321,000 | 5,766 |
| Pre-tax net operating income | $145,000 | 7,576 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $32,000 | 5,987 |
| Income before extraordinary items | $113,000 | 7,651 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $113,000 | 7,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,843 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $113,000 | 7,579 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $777,000 | 6,371 |
| Total interest expense | $177,000 | 6,662 |
| Net interest income | $600,000 | 6,160 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $41,000 | 7,560 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $17,000 | 7,025 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $24,000 | 6,514 |
| Total noninterest expense | $529,000 | 5,863 |
| Salaries and employee benefits | $285,000 | 5,888 |
| Premises and equipment expense | $92,000 | 5,093 |
| Additional noninterest expense | $152,000 | 5,957 |
| Pre-tax net operating income | $67,000 | 7,658 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $15,000 | 6,000 |
| Income before extraordinary items | $52,000 | 7,741 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $52,000 | 7,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,637 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $52,000 | 7,676 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,330,000 | 7,222 |
| Total interest expense | $623,000 | 7,327 |
| Net interest income | $1,707,000 | 7,047 |
| Provision for loan and lease losses | $264,000 | 3,449 |
| Total noninterest income | $535,000 | 5,252 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $43,000 | 7,535 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $492,000 | 3,605 |
| Total noninterest expense | $2,390,000 | 5,383 |
| Salaries and employee benefits | $1,452,000 | 4,952 |
| Premises and equipment expense | $332,000 | 5,344 |
| Additional noninterest expense | $606,000 | 5,958 |
| Pre-tax net operating income | $-412,000 | 8,780 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-119,000 | 8,963 |
| Income before extraordinary items | $-293,000 | 8,818 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-293,000 | 8,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 2,718 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-293,000 | 8,754 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,629,000 | 7,470 |
| Total interest expense | $452,000 | 7,529 |
| Net interest income | $1,177,000 | 7,314 |
| Provision for loan and lease losses | $140,000 | 4,015 |
| Total noninterest income | $465,000 | 4,934 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $28,000 | 7,684 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $437,000 | 3,383 |
| Total noninterest expense | $1,829,000 | 5,278 |
| Salaries and employee benefits | $1,121,000 | 4,845 |
| Premises and equipment expense | $255,000 | 5,266 |
| Additional noninterest expense | $453,000 | 5,958 |
| Pre-tax net operating income | $-327,000 | 8,885 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-96,000 | 9,059 |
| Income before extraordinary items | $-231,000 | 8,917 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-231,000 | 8,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 3,836 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-231,000 | 8,852 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,048,000 | 7,588 |
| Total interest expense | $296,000 | 7,694 |
| Net interest income | $752,000 | 7,434 |
| Provision for loan and lease losses | $81,000 | 4,279 |
| Total noninterest income | $233,000 | 5,649 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $16,000 | 7,783 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $217,000 | 3,890 |
| Total noninterest expense | $1,229,000 | 5,244 |
| Salaries and employee benefits | $769,000 | 4,759 |
| Premises and equipment expense | $169,000 | 5,253 |
| Additional noninterest expense | $291,000 | 6,078 |
| Pre-tax net operating income | $-325,000 | 8,995 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-94,000 | 9,131 |
| Income before extraordinary items | $-231,000 | 9,030 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-231,000 | 9,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,731 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-231,000 | 8,959 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $495,000 | 7,763 |
| Total interest expense | $138,000 | 7,915 |
| Net interest income | $357,000 | 7,562 |
| Provision for loan and lease losses | $53,000 | 3,599 |
| Total noninterest income | $50,000 | 7,354 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $9,000 | 7,710 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $41,000 | 5,651 |
| Total noninterest expense | $583,000 | 5,432 |
| Salaries and employee benefits | $355,000 | 5,027 |
| Premises and equipment expense | $87,000 | 5,158 |
| Additional noninterest expense | $141,000 | 6,147 |
| Pre-tax net operating income | $-229,000 | 9,110 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-67,000 | 9,198 |
| Income before extraordinary items | $-162,000 | 9,107 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-162,000 | 9,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 2,563 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-162,000 | 9,041 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,392,000 | 8,505 |
| Total interest expense | $526,000 | 8,308 |
| Net interest income | $866,000 | 8,480 |
| Provision for loan and lease losses | $239,000 | 4,000 |
| Total noninterest income | $-85,000 | 9,335 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $21,000 | 7,965 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-106,000 | 9,329 |
| Total noninterest expense | $1,986,000 | 5,885 |
| Salaries and employee benefits | $1,213,000 | 5,446 |
| Premises and equipment expense | $271,000 | 5,879 |
| Additional noninterest expense | $502,000 | 6,488 |
| Pre-tax net operating income | $-1,444,000 | 9,197 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-274,000 | 9,175 |
| Income before extraordinary items | $-1,170,000 | 9,213 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,170,000 | 9,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 4,113 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $600,000 | 449 |
| Net operating income | $-1,170,000 | 9,177 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,292,000 | 8,904 |
| Total interest expense | $694,000 | 8,633 |
| Net interest income | $598,000 | 9,040 |
| Provision for loan and lease losses | $24,000 | 7,420 |
| Total noninterest income | $202,000 | 7,288 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $33,000 | 7,927 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $169,000 | 5,279 |
| Total noninterest expense | $1,291,000 | 7,246 |
| Salaries and employee benefits | $679,000 | 7,288 |
| Premises and equipment expense | $181,000 | 7,052 |
| Additional noninterest expense | $431,000 | 6,920 |
| Pre-tax net operating income | $-515,000 | 9,172 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-93,000 | 9,248 |
| Income before extraordinary items | $-422,000 | 9,196 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-422,000 | 9,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,284 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-422,000 | 9,154 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,828,000 | 8,598 |
| Total interest expense | $890,000 | 8,453 |
| Net interest income | $938,000 | 8,612 |
| Provision for loan and lease losses | $208,000 | 3,659 |
| Total noninterest income | $55,000 | 9,258 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 7,956 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 8,999 |
| Total noninterest expense | $1,111,000 | 7,708 |
| Salaries and employee benefits | $515,000 | 8,173 |
| Premises and equipment expense | $121,000 | 8,080 |
| Additional noninterest expense | $476,000 | 6,608 |
| Pre-tax net operating income | $-326,000 | 9,435 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-59,000 | 9,506 |
| Income before extraordinary items | $-267,000 | 9,423 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-267,000 | 9,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,447 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-267,000 | 9,423 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,416,000 | 9,181 |
| Total interest expense | $580,000 | 9,262 |
| Net interest income | $836,000 | 8,980 |
| Provision for loan and lease losses | $133,000 | 4,539 |
| Total noninterest income | $41,000 | 9,718 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 8,416 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 9,383 |
| Total noninterest expense | $669,000 | 9,117 |
| Salaries and employee benefits | $294,000 | 9,496 |
| Premises and equipment expense | $59,000 | 9,453 |
| Additional noninterest expense | $316,000 | 7,996 |
| Pre-tax net operating income | $75,000 | 9,163 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $17,000 | 8,284 |
| Income before extraordinary items | $58,000 | 9,206 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $58,000 | 9,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 9,624 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $58,000 | 9,176 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $169,000 | 10,376 |
| Total interest expense | $67,000 | 10,330 |
| Net interest income | $102,000 | 10,383 |
| Provision for loan and lease losses | $66,000 | 5,965 |
| Total noninterest income | $19,000 | 10,219 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $5,000 | 8,960 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 9,789 |
| Total noninterest expense | $123,000 | 10,423 |
| Salaries and employee benefits | $69,000 | 10,409 |
| Premises and equipment expense | $15,000 | 10,360 |
| Additional noninterest expense | $39,000 | 10,414 |
| Pre-tax net operating income | $-68,000 | 9,895 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-68,000 | 9,925 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-68,000 | 9,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,060 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-68,000 | 9,885 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,080,000 | 10,224 |
| Total interest expense | $365,000 | 10,405 |
| Net interest income | $715,000 | 9,899 |
| Provision for loan and lease losses | $123,000 | 4,577 |
| Total noninterest income | $381,000 | 5,891 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 9,039 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $357,000 | 3,542 |
| Total noninterest expense | $1,193,000 | 7,703 |
| Salaries and employee benefits | $674,000 | 7,469 |
| Premises and equipment expense | $79,000 | 9,459 |
| Additional noninterest expense | $440,000 | 7,015 |
| Pre-tax net operating income | $-220,000 | 10,579 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-41,000 | 10,604 |
| Income before extraordinary items | $-179,000 | 10,587 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-179,000 | 10,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,815 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-179,000 | 10,560 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $944,000 | 10,891 |
| Total interest expense | $376,000 | 10,928 |
| Net interest income | $568,000 | 10,741 |
| Provision for loan and lease losses | $38,000 | 7,073 |
| Total noninterest income | $308,000 | 6,841 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 9,540 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $286,000 | 4,193 |
| Total noninterest expense | $939,000 | 8,926 |
| Salaries and employee benefits | $603,000 | 8,099 |
| Premises and equipment expense | $82,000 | 9,755 |
| Additional noninterest expense | $254,000 | 9,355 |
| Pre-tax net operating income | $-101,000 | 10,957 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-20,000 | 10,988 |
| Income before extraordinary items | $-81,000 | 10,970 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-81,000 | 10,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,175 |
| Cash dividends | $25,000 | 7,964 |
| Sale, conversion, retirement of capital stock, net | $-1,000 | 11,281 |
| Net operating income | $-81,000 | 10,924 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $646,000 | 11,679 |
| Total interest expense | $262,000 | 11,651 |
| Net interest income | $384,000 | 11,632 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $33,000 | 11,607 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 9,888 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 11,654 |
| Total noninterest expense | $299,000 | 11,716 |
| Salaries and employee benefits | $148,000 | 11,748 |
| Premises and equipment expense | $40,000 | 11,383 |
| Additional noninterest expense | $111,000 | 11,511 |
| Pre-tax net operating income | $106,000 | 11,051 |
| Securities gains (losses) | $18,000 | 1,987 |
| Applicable income taxes | $53,000 | 10,132 |
| Income before extraordinary items | $71,000 | 11,165 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $71,000 | 11,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $8,000 | 8,610 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 803 |
| Net operating income | $59,480 | 11,208 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $504,000 | 12,415 |
| Total interest expense | $186,000 | 12,369 |
| Net interest income | $318,000 | 12,386 |
| Provision for loan and lease losses | $-5,000 | 11,718 |
| Total noninterest income | $73,000 | 11,417 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 10,369 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 9,881 |
| Total noninterest expense | $277,000 | 12,398 |
| Salaries and employee benefits | $102,000 | 12,508 |
| Premises and equipment expense | $76,000 | 10,773 |
| Additional noninterest expense | $99,000 | 12,293 |
| Pre-tax net operating income | $119,000 | 11,505 |
| Securities gains (losses) | $-81,000 | 11,391 |
| Applicable income taxes | $7,000 | 11,444 |
| Income before extraordinary items | $31,000 | 11,914 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $31,000 | 11,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,524 |
| Cash dividends | $28,000 | 8,423 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $97,420 | 11,452 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $597,000 | 12,944 |
| Total interest expense | $232,000 | 12,891 |
| Net interest income | $365,000 | 12,885 |
| Provision for loan and lease losses | $-23,000 | 12,601 |
| Total noninterest income | $77,000 | 11,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 10,867 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 10,038 |
| Total noninterest expense | $384,000 | 12,711 |
| Salaries and employee benefits | $134,000 | 13,070 |
| Premises and equipment expense | $74,000 | 11,370 |
| Additional noninterest expense | $176,000 | 12,078 |
| Pre-tax net operating income | $81,000 | 11,989 |
| Securities gains (losses) | $78,000 | 2,824 |
| Applicable income taxes | $51,000 | 10,921 |
| Income before extraordinary items | $108,000 | 11,719 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $108,000 | 11,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 9,554 |
| Cash dividends | $112,000 | 6,683 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $54,960 | 12,073 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $728,000 | 13,453 |
| Total interest expense | $312,000 | 13,442 |
| Net interest income | $416,000 | 13,345 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $69,000 | 12,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 11,285 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 10,672 |
| Total noninterest expense | $443,000 | 12,939 |
| Salaries and employee benefits | $211,000 | 13,035 |
| Premises and equipment expense | $16,000 | 13,750 |
| Additional noninterest expense | $216,000 | 12,014 |
| Pre-tax net operating income | $42,000 | 12,461 |
| Securities gains (losses) | $45,000 | 4,303 |
| Applicable income taxes | $8,000 | 12,420 |
| Income before extraordinary items | $79,000 | 12,232 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $79,000 | 12,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 12,482 |
| Cash dividends | $81,000 | 6,973 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $38,050 | 12,402 |
* 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.