Home > Heartland Community Bank > Income and Expense
Heartland Community Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,330,000 | 5,831 |
| Total interest expense | $208,000 | 5,702 |
| Net interest income | $1,122,000 | 5,786 |
| Provision for loan and lease losses | $15,000 | 5,227 |
| Total noninterest income | $309,000 | 4,151 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $194,000 | 3,019 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $115,000 | 4,461 |
| Total noninterest expense | $1,081,000 | 5,578 |
| Salaries and employee benefits | $639,000 | 5,301 |
| Premises and equipment expense | $244,000 | 3,933 |
| Additional noninterest expense | $198,000 | 6,467 |
| Pre-tax net operating income | $335,000 | 4,710 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $12,000 | 4,173 |
| Income before extraordinary items | $323,000 | 4,698 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $323,000 | 4,701 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $323,000 | 4,701 |
| Net charge-offs | $-6,000 | 6,510 |
| Cash dividends | $43,000 | 3,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $323,000 | 4,513 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $655,000 | 5,922 |
| Total interest expense | $106,000 | 5,770 |
| Net interest income | $549,000 | 5,869 |
| Provision for loan and lease losses | $15,000 | 4,598 |
| Total noninterest income | $164,000 | 4,045 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $95,000 | 3,050 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $69,000 | 4,238 |
| Total noninterest expense | $494,000 | 5,794 |
| Salaries and employee benefits | $276,000 | 5,654 |
| Premises and equipment expense | $117,000 | 4,039 |
| Additional noninterest expense | $101,000 | 6,494 |
| Pre-tax net operating income | $204,000 | 4,484 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $6,000 | 4,170 |
| Income before extraordinary items | $198,000 | 4,400 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $198,000 | 4,403 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $198,000 | 4,403 |
| Net charge-offs | $-5,000 | 6,379 |
| Cash dividends | $7,000 | 2,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $198,000 | 4,246 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $2,603,000 | 6,025 |
| Total interest expense | $490,000 | 5,886 |
| Net interest income | $2,113,000 | 5,971 |
| Provision for loan and lease losses | $121,000 | 5,141 |
| Total noninterest income | $563,000 | 4,194 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $422,000 | 2,921 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $141,000 | 4,919 |
| Total noninterest expense | $2,061,000 | 5,762 |
| Salaries and employee benefits | $1,200,000 | 5,523 |
| Premises and equipment expense | $447,000 | 4,309 |
| Additional noninterest expense | $414,000 | 6,512 |
| Pre-tax net operating income | $494,000 | 4,749 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $9,000 | 4,328 |
| Income before extraordinary items | $485,000 | 4,699 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $485,000 | 4,701 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $485,000 | 4,700 |
| Net charge-offs | $64,000 | 5,329 |
| Cash dividends | $404,000 | 2,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $485,000 | 4,575 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,935,000 | 6,097 |
| Total interest expense | $380,000 | 5,941 |
| Net interest income | $1,555,000 | 6,056 |
| Provision for loan and lease losses | $119,000 | 4,793 |
| Total noninterest income | $356,000 | 4,535 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $316,000 | 2,929 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $40,000 | 5,981 |
| Total noninterest expense | $1,533,000 | 5,803 |
| Salaries and employee benefits | $891,000 | 5,548 |
| Premises and equipment expense | $337,000 | 4,350 |
| Additional noninterest expense | $305,000 | 6,575 |
| Pre-tax net operating income | $259,000 | 5,255 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $1,000 | 4,642 |
| Income before extraordinary items | $258,000 | 5,242 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $258,000 | 5,242 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $258,000 | 5,242 |
| Net charge-offs | $27,000 | 5,389 |
| Cash dividends | $14,000 | 3,553 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $258,000 | 5,122 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,269,000 | 6,185 |
| Total interest expense | $263,000 | 5,986 |
| Net interest income | $1,006,000 | 6,150 |
| Provision for loan and lease losses | $116,000 | 4,268 |
| Total noninterest income | $222,000 | 4,691 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $203,000 | 2,978 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $19,000 | 6,286 |
| Total noninterest expense | $976,000 | 5,956 |
| Salaries and employee benefits | $539,000 | 5,800 |
| Premises and equipment expense | $225,000 | 4,389 |
| Additional noninterest expense | $212,000 | 6,601 |
| Pre-tax net operating income | $136,000 | 5,485 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $136,000 | 5,449 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $136,000 | 5,448 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $136,000 | 5,449 |
| Net charge-offs | $12,000 | 5,280 |
| Cash dividends | $7,000 | 3,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $136,000 | 5,363 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $621,000 | 6,255 |
| Total interest expense | $140,000 | 5,969 |
| Net interest income | $481,000 | 6,256 |
| Provision for loan and lease losses | $116,000 | 3,198 |
| Total noninterest income | $101,000 | 4,905 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $93,000 | 3,131 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $8,000 | 6,501 |
| Total noninterest expense | $476,000 | 6,039 |
| Salaries and employee benefits | $249,000 | 5,981 |
| Premises and equipment expense | $117,000 | 4,338 |
| Additional noninterest expense | $110,000 | 6,615 |
| Pre-tax net operating income | $-10,000 | 6,395 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-10,000 | 6,440 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-10,000 | 6,440 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-10,000 | 6,440 |
| Net charge-offs | $8,000 | 4,474 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-10,000 | 6,419 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,526,000 | 6,363 |
| Total interest expense | $610,000 | 6,220 |
| Net interest income | $1,916,000 | 6,312 |
| Provision for loan and lease losses | $289,000 | 4,918 |
| Total noninterest income | $473,000 | 4,671 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $438,000 | 2,906 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $35,000 | 6,341 |
| Total noninterest expense | $1,855,000 | 6,153 |
| Salaries and employee benefits | $989,000 | 6,055 |
| Premises and equipment expense | $454,000 | 4,438 |
| Additional noninterest expense | $412,000 | 6,763 |
| Pre-tax net operating income | $245,000 | 5,066 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $19,000 | 4,021 |
| Income before extraordinary items | $226,000 | 5,187 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $226,000 | 5,191 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $226,000 | 5,191 |
| Net charge-offs | $354,000 | 4,091 |
| Cash dividends | $231,000 | 3,173 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $226,000 | 5,042 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,904,000 | 6,456 |
| Total interest expense | $462,000 | 6,349 |
| Net interest income | $1,442,000 | 6,397 |
| Provision for loan and lease losses | $5,000 | 6,921 |
| Total noninterest income | $343,000 | 4,798 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $317,000 | 3,041 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $26,000 | 6,511 |
| Total noninterest expense | $1,391,000 | 6,201 |
| Salaries and employee benefits | $777,000 | 6,008 |
| Premises and equipment expense | $318,000 | 4,695 |
| Additional noninterest expense | $296,000 | 6,873 |
| Pre-tax net operating income | $389,000 | 4,540 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $12,000 | 4,186 |
| Income before extraordinary items | $377,000 | 4,559 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $377,000 | 4,563 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $377,000 | 4,562 |
| Net charge-offs | $57,000 | 5,408 |
| Cash dividends | $231,000 | 2,579 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $377,000 | 4,377 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,258,000 | 6,518 |
| Total interest expense | $313,000 | 6,407 |
| Net interest income | $945,000 | 6,462 |
| Provision for loan and lease losses | $1,000 | 6,844 |
| Total noninterest income | $219,000 | 4,861 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $200,000 | 3,164 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $19,000 | 6,502 |
| Total noninterest expense | $951,000 | 6,186 |
| Salaries and employee benefits | $556,000 | 5,911 |
| Premises and equipment expense | $210,000 | 4,730 |
| Additional noninterest expense | $185,000 | 6,999 |
| Pre-tax net operating income | $212,000 | 4,867 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $7,000 | 4,209 |
| Income before extraordinary items | $205,000 | 4,865 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $205,000 | 4,866 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $205,000 | 4,865 |
| Net charge-offs | $42,000 | 5,025 |
| Cash dividends | $14,000 | 3,412 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $205,000 | 4,719 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $618,000 | 6,631 |
| Total interest expense | $159,000 | 6,505 |
| Net interest income | $459,000 | 6,575 |
| Provision for loan and lease losses | $1,000 | 6,529 |
| Total noninterest income | $104,000 | 4,973 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $95,000 | 3,254 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $9,000 | 6,695 |
| Total noninterest expense | $465,000 | 6,313 |
| Salaries and employee benefits | $250,000 | 6,195 |
| Premises and equipment expense | $109,000 | 4,723 |
| Additional noninterest expense | $106,000 | 6,916 |
| Pre-tax net operating income | $97,000 | 5,086 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $3,000 | 4,254 |
| Income before extraordinary items | $94,000 | 5,066 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $94,000 | 5,067 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $94,000 | 5,066 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $94,000 | 4,948 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,636,000 | 6,594 |
| Total interest expense | $796,000 | 6,485 |
| Net interest income | $1,840,000 | 6,525 |
| Provision for loan and lease losses | $151,000 | 6,053 |
| Total noninterest income | $401,000 | 5,119 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $397,000 | 3,348 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $4,000 | 7,315 |
| Total noninterest expense | $1,882,000 | 6,365 |
| Salaries and employee benefits | $973,000 | 6,296 |
| Premises and equipment expense | $458,000 | 4,618 |
| Additional noninterest expense | $451,000 | 6,941 |
| Pre-tax net operating income | $208,000 | 4,787 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $9,000 | 3,912 |
| Income before extraordinary items | $199,000 | 4,810 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $199,000 | 4,812 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $199,000 | 4,812 |
| Net charge-offs | $211,000 | 4,940 |
| Cash dividends | $146,000 | 3,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $199,000 | 4,744 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,998,000 | 6,641 |
| Total interest expense | $631,000 | 6,502 |
| Net interest income | $1,367,000 | 6,583 |
| Provision for loan and lease losses | $150,000 | 5,500 |
| Total noninterest income | $293,000 | 5,237 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $290,000 | 3,399 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $3,000 | 7,488 |
| Total noninterest expense | $1,386,000 | 6,428 |
| Salaries and employee benefits | $716,000 | 6,380 |
| Premises and equipment expense | $345,000 | 4,659 |
| Additional noninterest expense | $325,000 | 7,024 |
| Pre-tax net operating income | $124,000 | 5,204 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $12,000 | 3,988 |
| Income before extraordinary items | $112,000 | 5,256 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $112,000 | 5,255 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $112,000 | 5,255 |
| Net charge-offs | $250,000 | 3,970 |
| Cash dividends | $125,000 | 3,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $112,000 | 5,197 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,354,000 | 6,677 |
| Total interest expense | $437,000 | 6,554 |
| Net interest income | $917,000 | 6,586 |
| Provision for loan and lease losses | $113,000 | 5,190 |
| Total noninterest income | $198,000 | 5,241 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $185,000 | 3,461 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $13,000 | 7,108 |
| Total noninterest expense | $923,000 | 6,478 |
| Salaries and employee benefits | $494,000 | 6,367 |
| Premises and equipment expense | $228,000 | 4,711 |
| Additional noninterest expense | $201,000 | 7,163 |
| Pre-tax net operating income | $79,000 | 5,350 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $8,000 | 4,086 |
| Income before extraordinary items | $71,000 | 5,427 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $71,000 | 5,423 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $71,000 | 5,423 |
| Net charge-offs | $45,000 | 5,014 |
| Cash dividends | $90,000 | 3,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $71,000 | 5,338 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $702,000 | 6,653 |
| Total interest expense | $225,000 | 6,592 |
| Net interest income | $477,000 | 6,505 |
| Provision for loan and lease losses | $112,000 | 3,720 |
| Total noninterest income | $97,000 | 5,261 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $85,000 | 3,588 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $12,000 | 6,706 |
| Total noninterest expense | $486,000 | 6,330 |
| Salaries and employee benefits | $282,000 | 6,124 |
| Premises and equipment expense | $117,000 | 4,700 |
| Additional noninterest expense | $87,000 | 7,278 |
| Pre-tax net operating income | $-24,000 | 6,385 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $5,000 | 4,285 |
| Income before extraordinary items | $-29,000 | 6,558 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-29,000 | 6,559 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-29,000 | 6,559 |
| Net charge-offs | $38,000 | 3,795 |
| Cash dividends | $56,000 | 2,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-29,000 | 6,442 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,101,000 | 6,556 |
| Total interest expense | $1,155,000 | 6,518 |
| Net interest income | $1,946,000 | 6,477 |
| Provision for loan and lease losses | $15,000 | 7,084 |
| Total noninterest income | $474,000 | 4,958 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $415,000 | 3,391 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $59,000 | 6,588 |
| Total noninterest expense | $1,992,000 | 6,243 |
| Salaries and employee benefits | $1,168,000 | 6,064 |
| Premises and equipment expense | $462,000 | 4,684 |
| Additional noninterest expense | $362,000 | 7,193 |
| Pre-tax net operating income | $413,000 | 5,117 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $16,000 | 4,367 |
| Income before extraordinary items | $397,000 | 4,763 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $397,000 | 4,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 5,227 |
| Cash dividends | $525,000 | 3,294 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $397,000 | 4,932 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,356,000 | 6,591 |
| Total interest expense | $900,000 | 6,557 |
| Net interest income | $1,456,000 | 6,534 |
| Provision for loan and lease losses | $12,000 | 6,700 |
| Total noninterest income | $363,000 | 5,011 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $317,000 | 3,378 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $46,000 | 6,702 |
| Total noninterest expense | $1,457,000 | 6,292 |
| Salaries and employee benefits | $856,000 | 6,118 |
| Premises and equipment expense | $337,000 | 4,768 |
| Additional noninterest expense | $264,000 | 7,240 |
| Pre-tax net operating income | $350,000 | 5,449 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $15,000 | 4,720 |
| Income before extraordinary items | $335,000 | 5,063 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $335,000 | 5,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,288 |
| Cash dividends | $525,000 | 2,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $335,000 | 5,224 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,583,000 | 6,651 |
| Total interest expense | $623,000 | 6,614 |
| Net interest income | $960,000 | 6,565 |
| Provision for loan and lease losses | $3,000 | 6,580 |
| Total noninterest income | $233,000 | 5,137 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $206,000 | 3,421 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $27,000 | 6,905 |
| Total noninterest expense | $946,000 | 6,406 |
| Salaries and employee benefits | $549,000 | 6,279 |
| Premises and equipment expense | $222,000 | 4,844 |
| Additional noninterest expense | $175,000 | 7,270 |
| Pre-tax net operating income | $244,000 | 5,539 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $10,000 | 4,982 |
| Income before extraordinary items | $234,000 | 5,381 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $234,000 | 5,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,683 |
| Cash dividends | $169,000 | 3,621 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $234,000 | 5,314 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $786,000 | 6,749 |
| Total interest expense | $324,000 | 6,686 |
| Net interest income | $462,000 | 6,682 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $112,000 | 5,213 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $99,000 | 3,483 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $13,000 | 6,970 |
| Total noninterest expense | $483,000 | 6,389 |
| Salaries and employee benefits | $295,000 | 6,134 |
| Premises and equipment expense | $111,000 | 4,858 |
| Additional noninterest expense | $77,000 | 7,474 |
| Pre-tax net operating income | $91,000 | 6,106 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $5,000 | 5,114 |
| Income before extraordinary items | $86,000 | 6,027 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $86,000 | 6,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,990 |
| Cash dividends | $56,000 | 3,318 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $86,000 | 5,935 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,275,000 | 6,666 |
| Total interest expense | $1,416,000 | 6,546 |
| Net interest income | $1,859,000 | 6,684 |
| Provision for loan and lease losses | $76,000 | 5,240 |
| Total noninterest income | $500,000 | 5,028 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $459,000 | 3,245 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $41,000 | 7,281 |
| Total noninterest expense | $1,779,000 | 6,505 |
| Salaries and employee benefits | $917,000 | 6,642 |
| Premises and equipment expense | $483,000 | 4,475 |
| Additional noninterest expense | $379,000 | 7,144 |
| Pre-tax net operating income | $504,000 | 5,987 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $19,000 | 5,444 |
| Income before extraordinary items | $485,000 | 5,731 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $485,000 | 5,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,049 |
| Cash dividends | $452,000 | 3,867 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $485,000 | 5,715 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,476,000 | 6,679 |
| Total interest expense | $1,064,000 | 6,574 |
| Net interest income | $1,412,000 | 6,690 |
| Provision for loan and lease losses | $53,000 | 4,995 |
| Total noninterest income | $378,000 | 5,042 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $346,000 | 3,209 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $32,000 | 7,274 |
| Total noninterest expense | $1,301,000 | 6,562 |
| Salaries and employee benefits | $670,000 | 6,698 |
| Premises and equipment expense | $360,000 | 4,465 |
| Additional noninterest expense | $271,000 | 7,226 |
| Pre-tax net operating income | $436,000 | 6,014 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $15,000 | 5,595 |
| Income before extraordinary items | $421,000 | 5,721 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $421,000 | 5,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,810 |
| Cash dividends | $452,000 | 3,065 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $421,000 | 5,706 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,649,000 | 6,723 |
| Total interest expense | $700,000 | 6,618 |
| Net interest income | $949,000 | 6,702 |
| Provision for loan and lease losses | $24,000 | 5,201 |
| Total noninterest income | $244,000 | 5,124 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $225,000 | 3,253 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $19,000 | 7,424 |
| Total noninterest expense | $857,000 | 6,643 |
| Salaries and employee benefits | $440,000 | 6,781 |
| Premises and equipment expense | $242,000 | 4,474 |
| Additional noninterest expense | $175,000 | 7,302 |
| Pre-tax net operating income | $312,000 | 5,957 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $10,000 | 5,665 |
| Income before extraordinary items | $302,000 | 5,637 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $302,000 | 5,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,346 |
| Cash dividends | $96,000 | 4,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $302,000 | 5,618 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $821,000 | 6,764 |
| Total interest expense | $344,000 | 6,676 |
| Net interest income | $477,000 | 6,712 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $117,000 | 5,185 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $107,000 | 3,307 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $10,000 | 7,401 |
| Total noninterest expense | $425,000 | 6,678 |
| Salaries and employee benefits | $224,000 | 6,784 |
| Premises and equipment expense | $122,000 | 4,460 |
| Additional noninterest expense | $79,000 | 7,504 |
| Pre-tax net operating income | $169,000 | 5,832 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $5,000 | 5,693 |
| Income before extraordinary items | $164,000 | 5,472 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $164,000 | 5,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $39,000 | 3,685 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $164,000 | 5,455 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,222,000 | 6,617 |
| Total interest expense | $1,311,000 | 6,400 |
| Net interest income | $1,911,000 | 6,663 |
| Provision for loan and lease losses | $297,000 | 2,830 |
| Total noninterest income | $510,000 | 5,088 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $483,000 | 3,128 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $27,000 | 7,770 |
| Total noninterest expense | $1,766,000 | 6,491 |
| Salaries and employee benefits | $880,000 | 6,721 |
| Premises and equipment expense | $478,000 | 4,393 |
| Additional noninterest expense | $408,000 | 7,025 |
| Pre-tax net operating income | $358,000 | 6,917 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $13,000 | 6,081 |
| Income before extraordinary items | $345,000 | 6,731 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $345,000 | 6,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 2,163 |
| Cash dividends | $422,000 | 3,980 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $345,000 | 6,734 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,397,000 | 6,661 |
| Total interest expense | $927,000 | 6,494 |
| Net interest income | $1,470,000 | 6,670 |
| Provision for loan and lease losses | $117,000 | 3,859 |
| Total noninterest income | $428,000 | 4,865 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $369,000 | 3,107 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $59,000 | 6,707 |
| Total noninterest expense | $1,342,000 | 6,464 |
| Salaries and employee benefits | $674,000 | 6,666 |
| Premises and equipment expense | $358,000 | 4,405 |
| Additional noninterest expense | $310,000 | 7,022 |
| Pre-tax net operating income | $439,000 | 6,456 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $15,000 | 6,081 |
| Income before extraordinary items | $424,000 | 6,117 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $424,000 | 6,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,725 |
| Cash dividends | $119,000 | 4,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $424,000 | 6,114 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,549,000 | 6,725 |
| Total interest expense | $568,000 | 6,603 |
| Net interest income | $981,000 | 6,706 |
| Provision for loan and lease losses | $67,000 | 3,949 |
| Total noninterest income | $258,000 | 5,077 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $240,000 | 3,158 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $18,000 | 7,655 |
| Total noninterest expense | $885,000 | 6,522 |
| Salaries and employee benefits | $439,000 | 6,751 |
| Premises and equipment expense | $237,000 | 4,421 |
| Additional noninterest expense | $209,000 | 7,003 |
| Pre-tax net operating income | $287,000 | 6,548 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $10,000 | 6,127 |
| Income before extraordinary items | $277,000 | 6,173 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $277,000 | 6,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,252 |
| Cash dividends | $79,000 | 4,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $277,000 | 6,178 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $766,000 | 6,736 |
| Total interest expense | $279,000 | 6,553 |
| Net interest income | $487,000 | 6,751 |
| Provision for loan and lease losses | $54,000 | 3,025 |
| Total noninterest income | $124,000 | 5,127 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $112,000 | 3,228 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,358 |
| Total noninterest expense | $399,000 | 6,779 |
| Salaries and employee benefits | $197,000 | 7,024 |
| Premises and equipment expense | $117,000 | 4,489 |
| Additional noninterest expense | $85,000 | 7,403 |
| Pre-tax net operating income | $158,000 | 6,308 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $5,000 | 6,088 |
| Income before extraordinary items | $153,000 | 5,915 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $153,000 | 5,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,331 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $153,000 | 5,919 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,925,000 | 6,653 |
| Total interest expense | $1,022,000 | 6,237 |
| Net interest income | $1,903,000 | 6,747 |
| Provision for loan and lease losses | $156,000 | 4,056 |
| Total noninterest income | $513,000 | 5,191 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $472,000 | 3,170 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $41,000 | 7,593 |
| Total noninterest expense | $1,770,000 | 6,445 |
| Salaries and employee benefits | $879,000 | 6,700 |
| Premises and equipment expense | $481,000 | 4,293 |
| Additional noninterest expense | $410,000 | 7,041 |
| Pre-tax net operating income | $490,000 | 6,782 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-9,000 | 8,459 |
| Income before extraordinary items | $499,000 | 6,384 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $499,000 | 6,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 2,979 |
| Cash dividends | $565,000 | 3,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $499,000 | 6,356 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,166,000 | 6,680 |
| Total interest expense | $753,000 | 6,165 |
| Net interest income | $1,413,000 | 6,817 |
| Provision for loan and lease losses | $114,000 | 3,981 |
| Total noninterest income | $379,000 | 5,234 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $352,000 | 3,194 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $27,000 | 7,758 |
| Total noninterest expense | $1,326,000 | 6,455 |
| Salaries and employee benefits | $665,000 | 6,675 |
| Premises and equipment expense | $350,000 | 4,365 |
| Additional noninterest expense | $311,000 | 7,015 |
| Pre-tax net operating income | $352,000 | 6,986 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-12,000 | 8,612 |
| Income before extraordinary items | $364,000 | 6,576 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $364,000 | 6,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,852 |
| Cash dividends | $525,000 | 2,716 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $364,000 | 6,534 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,427,000 | 6,671 |
| Total interest expense | $495,000 | 6,070 |
| Net interest income | $932,000 | 6,839 |
| Provision for loan and lease losses | $65,000 | 4,019 |
| Total noninterest income | $247,000 | 5,242 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $222,000 | 3,268 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $25,000 | 7,399 |
| Total noninterest expense | $887,000 | 6,439 |
| Salaries and employee benefits | $457,000 | 6,607 |
| Premises and equipment expense | $230,000 | 4,380 |
| Additional noninterest expense | $200,000 | 7,087 |
| Pre-tax net operating income | $227,000 | 7,044 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-17,000 | 8,648 |
| Income before extraordinary items | $244,000 | 6,561 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $244,000 | 6,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,447 |
| Cash dividends | $211,000 | 3,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $244,000 | 6,510 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $697,000 | 6,757 |
| Total interest expense | $244,000 | 6,037 |
| Net interest income | $453,000 | 6,957 |
| Provision for loan and lease losses | $16,000 | 4,844 |
| Total noninterest income | $117,000 | 5,341 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $100,000 | 3,455 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $17,000 | 7,096 |
| Total noninterest expense | $436,000 | 6,524 |
| Salaries and employee benefits | $215,000 | 6,807 |
| Premises and equipment expense | $113,000 | 4,465 |
| Additional noninterest expense | $108,000 | 6,948 |
| Pre-tax net operating income | $118,000 | 6,982 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-8,000 | 8,689 |
| Income before extraordinary items | $126,000 | 6,465 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $126,000 | 6,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $126,000 | 6,426 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,856,000 | 6,576 |
| Total interest expense | $914,000 | 5,910 |
| Net interest income | $1,942,000 | 6,709 |
| Provision for loan and lease losses | $47,000 | 6,024 |
| Total noninterest income | $380,000 | 5,898 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $358,000 | 3,886 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $22,000 | 8,162 |
| Total noninterest expense | $1,685,000 | 6,564 |
| Salaries and employee benefits | $869,000 | 6,731 |
| Premises and equipment expense | $422,000 | 4,597 |
| Additional noninterest expense | $394,000 | 7,152 |
| Pre-tax net operating income | $590,000 | 6,416 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $19,000 | 6,562 |
| Income before extraordinary items | $571,000 | 6,066 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $571,000 | 6,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,319 |
| Cash dividends | $300,000 | 4,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $571,000 | 6,001 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,137,000 | 6,585 |
| Total interest expense | $673,000 | 5,933 |
| Net interest income | $1,464,000 | 6,697 |
| Provision for loan and lease losses | $31,000 | 5,966 |
| Total noninterest income | $260,000 | 6,135 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $259,000 | 4,008 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,000 | 8,861 |
| Total noninterest expense | $1,213,000 | 6,647 |
| Salaries and employee benefits | $633,000 | 6,768 |
| Premises and equipment expense | $285,000 | 4,920 |
| Additional noninterest expense | $295,000 | 7,132 |
| Pre-tax net operating income | $480,000 | 6,404 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $15,000 | 6,651 |
| Income before extraordinary items | $465,000 | 5,984 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $465,000 | 5,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,955 |
| Cash dividends | $300,000 | 3,420 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $465,000 | 5,909 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,400,000 | 6,663 |
| Total interest expense | $437,000 | 6,029 |
| Net interest income | $963,000 | 6,759 |
| Provision for loan and lease losses | $21,000 | 5,806 |
| Total noninterest income | $135,000 | 6,682 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $149,000 | 4,357 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $-14,000 | 9,051 |
| Total noninterest expense | $781,000 | 6,785 |
| Salaries and employee benefits | $417,000 | 6,837 |
| Premises and equipment expense | $182,000 | 5,083 |
| Additional noninterest expense | $182,000 | 7,348 |
| Pre-tax net operating income | $296,000 | 6,533 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $10,000 | 6,651 |
| Income before extraordinary items | $286,000 | 6,134 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $286,000 | 6,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,323 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $286,000 | 6,064 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $699,000 | 6,716 |
| Total interest expense | $219,000 | 6,090 |
| Net interest income | $480,000 | 6,796 |
| Provision for loan and lease losses | $10,000 | 5,595 |
| Total noninterest income | $63,000 | 6,769 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $48,000 | 5,292 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $15,000 | 7,252 |
| Total noninterest expense | $374,000 | 6,949 |
| Salaries and employee benefits | $198,000 | 7,017 |
| Premises and equipment expense | $91,000 | 5,132 |
| Additional noninterest expense | $85,000 | 7,506 |
| Pre-tax net operating income | $159,000 | 6,326 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $5,000 | 6,601 |
| Income before extraordinary items | $154,000 | 5,949 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $154,000 | 5,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,075 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $154,000 | 5,822 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,914,000 | 6,629 |
| Total interest expense | $1,064,000 | 5,945 |
| Net interest income | $1,850,000 | 6,823 |
| Provision for loan and lease losses | $375,000 | 2,706 |
| Total noninterest income | $242,000 | 6,998 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $148,000 | 5,881 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $94,000 | 6,634 |
| Total noninterest expense | $1,624,000 | 6,656 |
| Salaries and employee benefits | $806,000 | 6,900 |
| Premises and equipment expense | $353,000 | 5,133 |
| Additional noninterest expense | $465,000 | 6,755 |
| Pre-tax net operating income | $93,000 | 8,231 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-23,000 | 8,816 |
| Income before extraordinary items | $116,000 | 8,148 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $116,000 | 8,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $391,000 | 1,903 |
| Cash dividends | $310,000 | 4,302 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $116,000 | 8,031 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,165,000 | 6,732 |
| Total interest expense | $825,000 | 5,980 |
| Net interest income | $1,340,000 | 6,962 |
| Provision for loan and lease losses | $310,000 | 2,456 |
| Total noninterest income | $139,000 | 7,517 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $102,000 | 6,087 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $37,000 | 7,602 |
| Total noninterest expense | $1,099,000 | 6,948 |
| Salaries and employee benefits | $603,000 | 6,905 |
| Premises and equipment expense | $247,000 | 5,373 |
| Additional noninterest expense | $249,000 | 7,568 |
| Pre-tax net operating income | $70,000 | 8,371 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $130,000 | 5,284 |
| Income before extraordinary items | $-60,000 | 8,805 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-60,000 | 8,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $313,000 | 1,664 |
| Cash dividends | $310,000 | 3,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-60,000 | 8,728 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,439,000 | 6,788 |
| Total interest expense | $557,000 | 6,066 |
| Net interest income | $882,000 | 7,019 |
| Provision for loan and lease losses | $297,000 | 1,886 |
| Total noninterest income | $116,000 | 7,137 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $70,000 | 6,025 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $46,000 | 6,714 |
| Total noninterest expense | $741,000 | 6,938 |
| Salaries and employee benefits | $414,000 | 6,851 |
| Premises and equipment expense | $164,000 | 5,356 |
| Additional noninterest expense | $163,000 | 7,598 |
| Pre-tax net operating income | $-40,000 | 8,758 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $126,000 | 4,785 |
| Income before extraordinary items | $-166,000 | 8,982 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-166,000 | 8,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $313,000 | 1,207 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-166,000 | 8,905 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $715,000 | 6,851 |
| Total interest expense | $287,000 | 6,077 |
| Net interest income | $428,000 | 7,095 |
| Provision for loan and lease losses | $275,000 | 1,022 |
| Total noninterest income | $52,000 | 7,298 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $30,000 | 6,255 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $22,000 | 6,771 |
| Total noninterest expense | $359,000 | 7,051 |
| Salaries and employee benefits | $189,000 | 7,111 |
| Premises and equipment expense | $85,000 | 5,226 |
| Additional noninterest expense | $85,000 | 7,536 |
| Pre-tax net operating income | $-154,000 | 9,041 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $121,000 | 3,610 |
| Income before extraordinary items | $-275,000 | 9,171 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-275,000 | 9,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $295,000 | 712 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-275,000 | 9,115 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,132,000 | 6,720 |
| Total interest expense | $1,390,000 | 5,953 |
| Net interest income | $1,742,000 | 7,050 |
| Provision for loan and lease losses | $-32,000 | 9,213 |
| Total noninterest income | $223,000 | 7,087 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $137,000 | 6,009 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $86,000 | 6,748 |
| Total noninterest expense | $1,666,000 | 6,525 |
| Salaries and employee benefits | $809,000 | 6,855 |
| Premises and equipment expense | $258,000 | 6,029 |
| Additional noninterest expense | $599,000 | 5,939 |
| Pre-tax net operating income | $331,000 | 7,439 |
| Securities gains (losses) | $26,000 | 2,961 |
| Applicable income taxes | $120,000 | 5,784 |
| Income before extraordinary items | $237,000 | 7,640 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $237,000 | 7,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,007 |
| Cash dividends | $2,500,000 | 1,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $219,840 | 7,646 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,113,000 | 7,141 |
| Total interest expense | $1,586,000 | 6,810 |
| Net interest income | $1,527,000 | 7,279 |
| Provision for loan and lease losses | $31,000 | 7,199 |
| Total noninterest income | $192,000 | 7,389 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $130,000 | 6,083 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $62,000 | 7,340 |
| Total noninterest expense | $1,165,000 | 7,544 |
| Salaries and employee benefits | $678,000 | 7,295 |
| Premises and equipment expense | $219,000 | 6,505 |
| Additional noninterest expense | $268,000 | 8,090 |
| Pre-tax net operating income | $523,000 | 6,466 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $184,000 | 5,168 |
| Income before extraordinary items | $339,000 | 6,899 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $339,000 | 6,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,083 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $339,000 | 6,783 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,786,000 | 6,661 |
| Total interest expense | $2,103,000 | 6,124 |
| Net interest income | $1,683,000 | 7,142 |
| Provision for loan and lease losses | $30,000 | 7,204 |
| Total noninterest income | $162,000 | 7,723 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 6,259 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 8,029 |
| Total noninterest expense | $1,211,000 | 7,468 |
| Salaries and employee benefits | $708,000 | 7,166 |
| Premises and equipment expense | $200,000 | 6,773 |
| Additional noninterest expense | $303,000 | 7,921 |
| Pre-tax net operating income | $604,000 | 6,569 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $210,000 | 5,303 |
| Income before extraordinary items | $394,000 | 6,892 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $394,000 | 6,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,807 |
| Cash dividends | $825,000 | 2,607 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $394,000 | 6,898 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,386,000 | 6,949 |
| Total interest expense | $1,743,000 | 6,475 |
| Net interest income | $1,643,000 | 7,299 |
| Provision for loan and lease losses | $109,000 | 5,060 |
| Total noninterest income | $139,000 | 8,256 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 6,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 9,007 |
| Total noninterest expense | $1,124,000 | 7,777 |
| Salaries and employee benefits | $643,000 | 7,526 |
| Premises and equipment expense | $205,000 | 6,733 |
| Additional noninterest expense | $276,000 | 8,334 |
| Pre-tax net operating income | $549,000 | 6,913 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $179,000 | 5,935 |
| Income before extraordinary items | $370,000 | 7,160 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $370,000 | 7,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,882 |
| Cash dividends | $210,000 | 5,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $370,000 | 7,133 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,347,000 | 7,119 |
| Total interest expense | $1,828,000 | 6,496 |
| Net interest income | $1,519,000 | 7,650 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $144,000 | 8,311 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 6,528 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 9,156 |
| Total noninterest expense | $974,000 | 8,199 |
| Salaries and employee benefits | $552,000 | 8,039 |
| Premises and equipment expense | $196,000 | 6,786 |
| Additional noninterest expense | $226,000 | 8,835 |
| Pre-tax net operating income | $629,000 | 6,767 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $206,000 | 6,123 |
| Income before extraordinary items | $424,000 | 7,068 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $424,000 | 7,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,814 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $423,330 | 6,980 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,059,000 | 7,686 |
| Total interest expense | $1,667,000 | 6,966 |
| Net interest income | $1,392,000 | 8,259 |
| Provision for loan and lease losses | $36,000 | 7,137 |
| Total noninterest income | $113,000 | 9,178 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $89,000 | 7,447 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 9,645 |
| Total noninterest expense | $958,000 | 8,486 |
| Salaries and employee benefits | $528,000 | 8,404 |
| Premises and equipment expense | $192,000 | 6,989 |
| Additional noninterest expense | $238,000 | 8,982 |
| Pre-tax net operating income | $511,000 | 7,862 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $169,000 | 7,340 |
| Income before extraordinary items | $342,000 | 8,060 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $342,000 | 8,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,932 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $342,000 | 8,011 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,620,000 | 8,533 |
| Total interest expense | $1,455,000 | 7,679 |
| Net interest income | $1,165,000 | 9,113 |
| Provision for loan and lease losses | $42,000 | 6,906 |
| Total noninterest income | $136,000 | 9,243 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $83,000 | 7,912 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 8,764 |
| Total noninterest expense | $775,000 | 9,529 |
| Salaries and employee benefits | $411,000 | 9,530 |
| Premises and equipment expense | $165,000 | 7,728 |
| Additional noninterest expense | $199,000 | 9,944 |
| Pre-tax net operating income | $484,000 | 8,036 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $137,000 | 8,089 |
| Income before extraordinary items | $348,000 | 8,019 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $348,000 | 8,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $347,280 | 7,972 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,187,000 | 9,439 |
| Total interest expense | $1,245,000 | 8,441 |
| Net interest income | $942,000 | 10,116 |
| Provision for loan and lease losses | $16,000 | 7,905 |
| Total noninterest income | $78,000 | 10,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $69,000 | 8,644 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 11,559 |
| Total noninterest expense | $629,000 | 10,455 |
| Salaries and employee benefits | $334,000 | 10,459 |
| Premises and equipment expense | $131,000 | 8,769 |
| Additional noninterest expense | $164,000 | 10,891 |
| Pre-tax net operating income | $375,000 | 9,231 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $71,000 | 9,770 |
| Income before extraordinary items | $304,000 | 8,901 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $304,000 | 8,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,320 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $304,000 | 8,873 |
* 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.