Home > Heritage Bank > Income and Expense
Heritage Bank, Income and Expense
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,555,000 | 3,719 |
| Total interest expense | $602,000 | 4,193 |
| Net interest income | $2,953,000 | 3,520 |
| Provision for loan and lease losses | $400,000 | 2,592 |
| Total noninterest income | $762,000 | 2,399 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $181,000 | 3,207 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $581,000 | 1,910 |
| Total noninterest expense | $2,757,000 | 3,309 |
| Salaries and employee benefits | $1,684,000 | 2,852 |
| Premises and equipment expense | $386,000 | 3,033 |
| Additional noninterest expense | $687,000 | 4,166 |
| Pre-tax net operating income | $558,000 | 3,601 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $28,000 | 3,676 |
| Income before extraordinary items | $530,000 | 3,459 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $530,000 | 3,461 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $530,000 | 3,461 |
| Net charge-offs | $566,000 | 2,023 |
| Cash dividends | $200,000 | 2,272 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $530,000 | 3,359 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,850,000 | 3,612 |
| Total interest expense | $317,000 | 4,165 |
| Net interest income | $1,533,000 | 3,403 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $270,000 | 3,015 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $83,000 | 3,354 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $187,000 | 2,562 |
| Total noninterest expense | $1,381,000 | 3,327 |
| Salaries and employee benefits | $837,000 | 2,888 |
| Premises and equipment expense | $203,000 | 2,949 |
| Additional noninterest expense | $341,000 | 4,165 |
| Pre-tax net operating income | $422,000 | 2,861 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $22,000 | 3,387 |
| Income before extraordinary items | $400,000 | 2,663 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $400,000 | 2,662 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $400,000 | 2,663 |
| Net charge-offs | $165,000 | 2,273 |
| Cash dividends | $200,000 | 1,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $400,000 | 2,600 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,286,000 | 3,809 |
| Total interest expense | $1,602,000 | 4,107 |
| Net interest income | $5,684,000 | 3,621 |
| Provision for loan and lease losses | $1,817,000 | 2,205 |
| Total noninterest income | $1,801,000 | 2,221 |
| Gross Fiduciary activities income | $2,000 | 1,284 |
| Service charges on deposit accounts | $416,000 | 2,999 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,383,000 | 1,780 |
| Total noninterest expense | $5,214,000 | 3,490 |
| Salaries and employee benefits | $3,124,000 | 3,001 |
| Premises and equipment expense | $702,000 | 3,291 |
| Additional noninterest expense | $1,388,000 | 4,216 |
| Pre-tax net operating income | $454,000 | 4,478 |
| Securities gains (losses) | $5,000 | 3,469 |
| Applicable income taxes | $24,000 | 3,939 |
| Income before extraordinary items | $435,000 | 4,514 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $435,000 | 4,514 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $435,000 | 4,514 |
| Net charge-offs | $1,738,000 | 2,018 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $430,250 | 4,384 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,455,000 | 3,886 |
| Total interest expense | $1,242,000 | 4,169 |
| Net interest income | $4,213,000 | 3,694 |
| Provision for loan and lease losses | $1,707,000 | 1,828 |
| Total noninterest income | $1,306,000 | 2,307 |
| Gross Fiduciary activities income | $2,000 | 1,229 |
| Service charges on deposit accounts | $316,000 | 3,051 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $988,000 | 1,812 |
| Total noninterest expense | $3,839,000 | 3,542 |
| Salaries and employee benefits | $2,307,000 | 3,065 |
| Premises and equipment expense | $540,000 | 3,270 |
| Additional noninterest expense | $992,000 | 4,322 |
| Pre-tax net operating income | $-27,000 | 6,038 |
| Securities gains (losses) | $5,000 | 3,295 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-22,000 | 6,183 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-22,000 | 6,184 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-22,000 | 6,184 |
| Net charge-offs | $1,558,000 | 1,748 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-27,000 | 6,073 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,637,000 | 3,912 |
| Total interest expense | $874,000 | 4,139 |
| Net interest income | $2,763,000 | 3,744 |
| Provision for loan and lease losses | $707,000 | 2,353 |
| Total noninterest income | $923,000 | 2,157 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $210,000 | 3,060 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $713,000 | 1,655 |
| Total noninterest expense | $2,513,000 | 3,608 |
| Salaries and employee benefits | $1,519,000 | 3,117 |
| Premises and equipment expense | $361,000 | 3,282 |
| Additional noninterest expense | $633,000 | 4,448 |
| Pre-tax net operating income | $466,000 | 3,748 |
| Securities gains (losses) | $5,000 | 2,788 |
| Applicable income taxes | $24,000 | 3,688 |
| Income before extraordinary items | $447,000 | 3,604 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $447,000 | 3,601 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $447,000 | 3,603 |
| Net charge-offs | $566,000 | 2,306 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $442,250 | 3,505 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,817,000 | 3,978 |
| Total interest expense | $444,000 | 4,226 |
| Net interest income | $1,373,000 | 3,786 |
| Provision for loan and lease losses | $50,000 | 4,831 |
| Total noninterest income | $264,000 | 3,115 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $96,000 | 3,228 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $168,000 | 2,654 |
| Total noninterest expense | $1,246,000 | 3,656 |
| Salaries and employee benefits | $754,000 | 3,170 |
| Premises and equipment expense | $182,000 | 3,366 |
| Additional noninterest expense | $310,000 | 4,490 |
| Pre-tax net operating income | $341,000 | 3,128 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $18,000 | 3,501 |
| Income before extraordinary items | $323,000 | 2,993 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $323,000 | 2,989 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $323,000 | 2,993 |
| Net charge-offs | $185,000 | 2,514 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $323,000 | 2,886 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,609,000 | 3,954 |
| Total interest expense | $2,275,000 | 4,123 |
| Net interest income | $5,334,000 | 3,785 |
| Provision for loan and lease losses | $1,520,000 | 2,881 |
| Total noninterest income | $1,231,000 | 2,925 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $380,000 | 3,428 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $851,000 | 2,365 |
| Total noninterest expense | $5,063,000 | 3,650 |
| Salaries and employee benefits | $2,962,000 | 3,213 |
| Premises and equipment expense | $697,000 | 3,470 |
| Additional noninterest expense | $1,404,000 | 4,264 |
| Pre-tax net operating income | $-18,000 | 5,452 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-18,000 | 5,571 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-18,000 | 5,569 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-18,000 | 5,569 |
| Net charge-offs | $1,399,000 | 2,461 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-18,000 | 5,526 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,745,000 | 4,004 |
| Total interest expense | $1,774,000 | 4,162 |
| Net interest income | $3,971,000 | 3,807 |
| Provision for loan and lease losses | $1,420,000 | 2,286 |
| Total noninterest income | $699,000 | 3,530 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $275,000 | 3,494 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $424,000 | 3,082 |
| Total noninterest expense | $3,745,000 | 3,694 |
| Salaries and employee benefits | $2,188,000 | 3,289 |
| Premises and equipment expense | $524,000 | 3,506 |
| Additional noninterest expense | $1,033,000 | 4,281 |
| Pre-tax net operating income | $-495,000 | 6,332 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-495,000 | 6,423 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-495,000 | 6,424 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-495,000 | 6,423 |
| Net charge-offs | $1,370,000 | 1,862 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-495,000 | 6,420 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,831,000 | 4,026 |
| Total interest expense | $1,233,000 | 4,175 |
| Net interest income | $2,598,000 | 3,832 |
| Provision for loan and lease losses | $1,420,000 | 1,688 |
| Total noninterest income | $330,000 | 4,248 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $180,000 | 3,512 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $150,000 | 4,122 |
| Total noninterest expense | $2,446,000 | 3,797 |
| Salaries and employee benefits | $1,402,000 | 3,435 |
| Premises and equipment expense | $345,000 | 3,561 |
| Additional noninterest expense | $699,000 | 4,267 |
| Pre-tax net operating income | $-938,000 | 6,987 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-938,000 | 7,123 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-938,000 | 7,122 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-938,000 | 7,123 |
| Net charge-offs | $1,082,000 | 1,574 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-938,000 | 7,103 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,881,000 | 4,121 |
| Total interest expense | $631,000 | 4,229 |
| Net interest income | $1,250,000 | 3,932 |
| Provision for loan and lease losses | $100,000 | 3,845 |
| Total noninterest income | $-39,000 | 8,126 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $82,000 | 3,654 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-121,000 | 8,134 |
| Total noninterest expense | $1,181,000 | 3,811 |
| Salaries and employee benefits | $693,000 | 3,494 |
| Premises and equipment expense | $175,000 | 3,572 |
| Additional noninterest expense | $313,000 | 4,270 |
| Pre-tax net operating income | $-70,000 | 6,554 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-70,000 | 6,728 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-70,000 | 6,729 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-70,000 | 6,729 |
| Net charge-offs | $345,000 | 1,661 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-70,000 | 6,625 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $8,189,000 | 4,079 |
| Total interest expense | $2,855,000 | 4,389 |
| Net interest income | $5,334,000 | 3,778 |
| Provision for loan and lease losses | $1,071,000 | 2,600 |
| Total noninterest income | $1,447,000 | 2,700 |
| Gross Fiduciary activities income | $32,000 | 1,042 |
| Service charges on deposit accounts | $407,000 | 3,426 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,008,000 | 2,104 |
| Total noninterest expense | $4,679,000 | 3,767 |
| Salaries and employee benefits | $3,018,000 | 3,231 |
| Premises and equipment expense | $636,000 | 3,751 |
| Additional noninterest expense | $1,025,000 | 4,746 |
| Pre-tax net operating income | $1,031,000 | 3,702 |
| Securities gains (losses) | $35,000 | 1,832 |
| Applicable income taxes | $53,000 | 3,826 |
| Income before extraordinary items | $1,013,000 | 3,260 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,013,000 | 3,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 4,647 |
| Cash dividends | $550,000 | 3,232 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $979,750 | 3,475 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,151,000 | 4,144 |
| Total interest expense | $2,239,000 | 4,390 |
| Net interest income | $3,912,000 | 3,850 |
| Provision for loan and lease losses | $441,000 | 2,943 |
| Total noninterest income | $1,115,000 | 2,715 |
| Gross Fiduciary activities income | $10,000 | 1,153 |
| Service charges on deposit accounts | $315,000 | 3,389 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $790,000 | 2,139 |
| Total noninterest expense | $3,556,000 | 3,705 |
| Salaries and employee benefits | $2,339,000 | 3,173 |
| Premises and equipment expense | $465,000 | 3,848 |
| Additional noninterest expense | $752,000 | 4,740 |
| Pre-tax net operating income | $1,030,000 | 3,620 |
| Securities gains (losses) | $35,000 | 1,656 |
| Applicable income taxes | $56,000 | 4,035 |
| Income before extraordinary items | $1,009,000 | 3,087 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,009,000 | 3,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,265 |
| Cash dividends | $550,000 | 2,611 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $975,750 | 3,301 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,139,000 | 4,148 |
| Total interest expense | $1,568,000 | 4,387 |
| Net interest income | $2,571,000 | 3,899 |
| Provision for loan and lease losses | $420,000 | 2,107 |
| Total noninterest income | $734,000 | 2,762 |
| Gross Fiduciary activities income | $7,000 | 1,174 |
| Service charges on deposit accounts | $209,000 | 3,394 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $518,000 | 2,193 |
| Total noninterest expense | $2,305,000 | 3,817 |
| Salaries and employee benefits | $1,517,000 | 3,300 |
| Premises and equipment expense | $303,000 | 3,944 |
| Additional noninterest expense | $485,000 | 4,829 |
| Pre-tax net operating income | $580,000 | 4,096 |
| Securities gains (losses) | $35,000 | 1,681 |
| Applicable income taxes | $47,000 | 4,114 |
| Income before extraordinary items | $568,000 | 3,751 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $568,000 | 3,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-79,000 | 8,326 |
| Cash dividends | $550,000 | 2,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $535,800 | 3,825 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,131,000 | 4,146 |
| Total interest expense | $860,000 | 4,313 |
| Net interest income | $1,271,000 | 3,928 |
| Provision for loan and lease losses | $-200,000 | 8,465 |
| Total noninterest income | $246,000 | 3,549 |
| Gross Fiduciary activities income | $2,000 | 1,203 |
| Service charges on deposit accounts | $105,000 | 3,347 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $139,000 | 3,174 |
| Total noninterest expense | $1,155,000 | 3,813 |
| Salaries and employee benefits | $759,000 | 3,320 |
| Premises and equipment expense | $152,000 | 3,950 |
| Additional noninterest expense | $244,000 | 4,770 |
| Pre-tax net operating income | $562,000 | 2,843 |
| Securities gains (losses) | $23,000 | 1,519 |
| Applicable income taxes | $31,000 | 4,027 |
| Income before extraordinary items | $554,000 | 2,474 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $554,000 | 2,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-168,000 | 8,454 |
| Cash dividends | $550,000 | 1,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $532,150 | 2,479 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,827,000 | 4,094 |
| Total interest expense | $3,882,000 | 4,085 |
| Net interest income | $4,945,000 | 4,033 |
| Provision for loan and lease losses | $95,000 | 4,990 |
| Total noninterest income | $1,227,000 | 3,101 |
| Gross Fiduciary activities income | $17,000 | 1,174 |
| Service charges on deposit accounts | $440,000 | 3,335 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $770,000 | 2,610 |
| Total noninterest expense | $4,212,000 | 3,961 |
| Salaries and employee benefits | $2,678,000 | 3,535 |
| Premises and equipment expense | $538,000 | 4,150 |
| Additional noninterest expense | $996,000 | 4,679 |
| Pre-tax net operating income | $1,865,000 | 3,460 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $93,000 | 4,533 |
| Income before extraordinary items | $1,772,000 | 3,074 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,772,000 | 3,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 2,412 |
| Cash dividends | $460,000 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,772,000 | 3,066 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,527,000 | 4,150 |
| Total interest expense | $2,889,000 | 4,110 |
| Net interest income | $3,638,000 | 4,100 |
| Provision for loan and lease losses | $79,000 | 4,528 |
| Total noninterest income | $928,000 | 3,064 |
| Gross Fiduciary activities income | $15,000 | 1,124 |
| Service charges on deposit accounts | $322,000 | 3,391 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $591,000 | 2,585 |
| Total noninterest expense | $3,190,000 | 3,915 |
| Salaries and employee benefits | $2,051,000 | 3,458 |
| Premises and equipment expense | $395,000 | 4,205 |
| Additional noninterest expense | $744,000 | 4,622 |
| Pre-tax net operating income | $1,297,000 | 3,784 |
| Securities gains (losses) | $-1,000 | 7,322 |
| Applicable income taxes | $65,000 | 4,773 |
| Income before extraordinary items | $1,231,000 | 3,404 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,231,000 | 3,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 2,336 |
| Cash dividends | $460,000 | 3,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,231,950 | 3,388 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,292,000 | 4,213 |
| Total interest expense | $1,875,000 | 4,186 |
| Net interest income | $2,417,000 | 4,146 |
| Provision for loan and lease losses | $32,000 | 4,837 |
| Total noninterest income | $565,000 | 3,290 |
| Gross Fiduciary activities income | $15,000 | 1,080 |
| Service charges on deposit accounts | $207,000 | 3,442 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $343,000 | 2,806 |
| Total noninterest expense | $2,107,000 | 3,968 |
| Salaries and employee benefits | $1,350,000 | 3,527 |
| Premises and equipment expense | $258,000 | 4,285 |
| Additional noninterest expense | $499,000 | 4,589 |
| Pre-tax net operating income | $843,000 | 3,900 |
| Securities gains (losses) | $-1,000 | 7,616 |
| Applicable income taxes | $42,000 | 4,880 |
| Income before extraordinary items | $800,000 | 3,519 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $800,000 | 3,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,059 |
| Cash dividends | $400,000 | 2,742 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $800,950 | 3,494 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,122,000 | 4,222 |
| Total interest expense | $923,000 | 4,202 |
| Net interest income | $1,199,000 | 4,161 |
| Provision for loan and lease losses | $16,000 | 4,567 |
| Total noninterest income | $257,000 | 3,459 |
| Gross Fiduciary activities income | $11,000 | 1,027 |
| Service charges on deposit accounts | $100,000 | 3,456 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $146,000 | 3,072 |
| Total noninterest expense | $1,080,000 | 3,890 |
| Salaries and employee benefits | $695,000 | 3,478 |
| Premises and equipment expense | $128,000 | 4,318 |
| Additional noninterest expense | $257,000 | 4,446 |
| Pre-tax net operating income | $360,000 | 4,247 |
| Securities gains (losses) | $-1,000 | 7,986 |
| Applicable income taxes | $18,000 | 4,999 |
| Income before extraordinary items | $341,000 | 3,895 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $341,000 | 3,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,204 |
| Cash dividends | $200,000 | 2,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $341,950 | 3,867 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,355,000 | 4,086 |
| Total interest expense | $3,340,000 | 4,045 |
| Net interest income | $5,015,000 | 3,998 |
| Provision for loan and lease losses | $65,000 | 5,245 |
| Total noninterest income | $1,109,000 | 3,307 |
| Gross Fiduciary activities income | $10,000 | 1,273 |
| Service charges on deposit accounts | $445,000 | 3,317 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $654,000 | 2,854 |
| Total noninterest expense | $4,215,000 | 3,832 |
| Salaries and employee benefits | $2,800,000 | 3,324 |
| Premises and equipment expense | $477,000 | 4,401 |
| Additional noninterest expense | $938,000 | 4,721 |
| Pre-tax net operating income | $1,844,000 | 3,832 |
| Securities gains (losses) | $18,000 | 936 |
| Applicable income taxes | $93,000 | 5,028 |
| Income before extraordinary items | $1,769,000 | 3,393 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,769,000 | 3,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,730 |
| Cash dividends | $1,985,000 | 1,574 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,751,900 | 3,403 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,170,000 | 4,101 |
| Total interest expense | $2,405,000 | 4,066 |
| Net interest income | $3,765,000 | 4,020 |
| Provision for loan and lease losses | $48,000 | 5,116 |
| Total noninterest income | $803,000 | 3,392 |
| Gross Fiduciary activities income | $5,000 | 1,291 |
| Service charges on deposit accounts | $325,000 | 3,395 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $473,000 | 2,938 |
| Total noninterest expense | $3,159,000 | 3,823 |
| Salaries and employee benefits | $2,100,000 | 3,313 |
| Premises and equipment expense | $362,000 | 4,370 |
| Additional noninterest expense | $697,000 | 4,721 |
| Pre-tax net operating income | $1,361,000 | 4,002 |
| Securities gains (losses) | $16,000 | 804 |
| Applicable income taxes | $69,000 | 5,224 |
| Income before extraordinary items | $1,308,000 | 3,523 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,308,000 | 3,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,625 |
| Cash dividends | $1,685,000 | 1,318 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,292,800 | 3,543 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,979,000 | 4,146 |
| Total interest expense | $1,496,000 | 4,116 |
| Net interest income | $2,483,000 | 4,068 |
| Provision for loan and lease losses | $32,000 | 4,953 |
| Total noninterest income | $498,000 | 3,543 |
| Gross Fiduciary activities income | $2,000 | 1,334 |
| Service charges on deposit accounts | $207,000 | 3,472 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $289,000 | 3,090 |
| Total noninterest expense | $2,089,000 | 3,871 |
| Salaries and employee benefits | $1,378,000 | 3,365 |
| Premises and equipment expense | $245,000 | 4,324 |
| Additional noninterest expense | $466,000 | 4,699 |
| Pre-tax net operating income | $860,000 | 4,154 |
| Securities gains (losses) | $16,000 | 650 |
| Applicable income taxes | $43,000 | 5,337 |
| Income before extraordinary items | $833,000 | 3,648 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $833,000 | 3,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,553 |
| Cash dividends | $1,200,000 | 1,237 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $817,800 | 3,690 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,948,000 | 4,158 |
| Total interest expense | $714,000 | 4,122 |
| Net interest income | $1,234,000 | 4,084 |
| Provision for loan and lease losses | $16,000 | 4,730 |
| Total noninterest income | $244,000 | 3,528 |
| Gross Fiduciary activities income | $2,000 | 1,247 |
| Service charges on deposit accounts | $102,000 | 3,438 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $140,000 | 3,094 |
| Total noninterest expense | $1,062,000 | 3,825 |
| Salaries and employee benefits | $707,000 | 3,303 |
| Premises and equipment expense | $126,000 | 4,273 |
| Additional noninterest expense | $229,000 | 4,739 |
| Pre-tax net operating income | $400,000 | 4,277 |
| Securities gains (losses) | $16,000 | 508 |
| Applicable income taxes | $21,000 | 5,307 |
| Income before extraordinary items | $395,000 | 3,738 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $395,000 | 3,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,292 |
| Cash dividends | $600,000 | 1,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $379,800 | 3,809 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,348,000 | 4,006 |
| Total interest expense | $2,471,000 | 3,854 |
| Net interest income | $4,877,000 | 4,031 |
| Provision for loan and lease losses | $69,000 | 5,330 |
| Total noninterest income | $758,000 | 4,173 |
| Gross Fiduciary activities income | $8,000 | 1,332 |
| Service charges on deposit accounts | $403,000 | 3,539 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $347,000 | 4,042 |
| Total noninterest expense | $3,700,000 | 4,114 |
| Salaries and employee benefits | $2,507,000 | 3,472 |
| Premises and equipment expense | $415,000 | 4,748 |
| Additional noninterest expense | $778,000 | 5,266 |
| Pre-tax net operating income | $1,866,000 | 3,855 |
| Securities gains (losses) | $-11,000 | 7,567 |
| Applicable income taxes | $92,000 | 5,436 |
| Income before extraordinary items | $1,763,000 | 3,414 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,763,000 | 3,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,882 |
| Cash dividends | $1,045,000 | 2,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,773,450 | 3,366 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,500,000 | 3,960 |
| Total interest expense | $1,751,000 | 3,877 |
| Net interest income | $3,749,000 | 3,946 |
| Provision for loan and lease losses | $52,000 | 5,144 |
| Total noninterest income | $456,000 | 4,782 |
| Gross Fiduciary activities income | $8,000 | 1,254 |
| Service charges on deposit accounts | $288,000 | 3,663 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $160,000 | 5,073 |
| Total noninterest expense | $2,749,000 | 4,104 |
| Salaries and employee benefits | $1,855,000 | 3,483 |
| Premises and equipment expense | $321,000 | 4,627 |
| Additional noninterest expense | $573,000 | 5,260 |
| Pre-tax net operating income | $1,404,000 | 3,932 |
| Securities gains (losses) | $-11,000 | 7,939 |
| Applicable income taxes | $69,000 | 5,565 |
| Income before extraordinary items | $1,324,000 | 3,448 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,324,000 | 3,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,382 |
| Cash dividends | $795,000 | 2,134 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,334,450 | 3,375 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,531,000 | 4,010 |
| Total interest expense | $1,063,000 | 3,965 |
| Net interest income | $2,468,000 | 3,964 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $262,000 | 5,114 |
| Gross Fiduciary activities income | $7,000 | 1,215 |
| Service charges on deposit accounts | $174,000 | 3,815 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $81,000 | 5,595 |
| Total noninterest expense | $1,803,000 | 4,140 |
| Salaries and employee benefits | $1,221,000 | 3,513 |
| Premises and equipment expense | $209,000 | 4,666 |
| Additional noninterest expense | $373,000 | 5,331 |
| Pre-tax net operating income | $897,000 | 3,995 |
| Securities gains (losses) | $-7,000 | 8,039 |
| Applicable income taxes | $44,000 | 5,627 |
| Income before extraordinary items | $846,000 | 3,503 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $846,000 | 3,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,630 |
| Cash dividends | $535,000 | 2,099 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $852,650 | 3,438 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,723,000 | 4,055 |
| Total interest expense | $506,000 | 3,996 |
| Net interest income | $1,217,000 | 4,020 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $124,000 | 5,184 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $80,000 | 3,924 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $44,000 | 5,463 |
| Total noninterest expense | $898,000 | 4,172 |
| Salaries and employee benefits | $613,000 | 3,501 |
| Premises and equipment expense | $104,000 | 4,732 |
| Additional noninterest expense | $181,000 | 5,402 |
| Pre-tax net operating income | $428,000 | 4,088 |
| Securities gains (losses) | $-7,000 | 8,456 |
| Applicable income taxes | $21,000 | 5,628 |
| Income before extraordinary items | $400,000 | 3,620 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $400,000 | 3,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,435 |
| Cash dividends | $310,000 | 1,691 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $406,650 | 3,549 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,448,000 | 4,042 |
| Total interest expense | $1,781,000 | 4,000 |
| Net interest income | $4,667,000 | 4,013 |
| Provision for loan and lease losses | $50,000 | 5,899 |
| Total noninterest income | $544,000 | 5,063 |
| Gross Fiduciary activities income | $14,000 | 1,262 |
| Service charges on deposit accounts | $336,000 | 4,043 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $194,000 | 5,170 |
| Total noninterest expense | $3,392,000 | 4,282 |
| Salaries and employee benefits | $2,241,000 | 3,645 |
| Premises and equipment expense | $380,000 | 4,934 |
| Additional noninterest expense | $771,000 | 5,216 |
| Pre-tax net operating income | $1,769,000 | 3,832 |
| Securities gains (losses) | $74,000 | 1,456 |
| Applicable income taxes | $95,000 | 5,557 |
| Income before extraordinary items | $1,748,000 | 3,248 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,748,000 | 3,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,312 |
| Cash dividends | $2,061,000 | 1,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,677,700 | 3,287 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,773,000 | 4,070 |
| Total interest expense | $1,325,000 | 3,991 |
| Net interest income | $3,448,000 | 4,054 |
| Provision for loan and lease losses | $35,000 | 5,873 |
| Total noninterest income | $388,000 | 5,205 |
| Gross Fiduciary activities income | $13,000 | 1,207 |
| Service charges on deposit accounts | $249,000 | 4,114 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $126,000 | 5,476 |
| Total noninterest expense | $2,583,000 | 4,207 |
| Salaries and employee benefits | $1,677,000 | 3,630 |
| Premises and equipment expense | $304,000 | 4,707 |
| Additional noninterest expense | $602,000 | 5,035 |
| Pre-tax net operating income | $1,218,000 | 4,121 |
| Securities gains (losses) | $74,000 | 1,385 |
| Applicable income taxes | $67,000 | 5,744 |
| Income before extraordinary items | $1,225,000 | 3,492 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,225,000 | 3,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 2,582 |
| Cash dividends | $1,261,000 | 1,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,154,700 | 3,571 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,182,000 | 4,067 |
| Total interest expense | $873,000 | 4,020 |
| Net interest income | $2,309,000 | 4,042 |
| Provision for loan and lease losses | $20,000 | 5,844 |
| Total noninterest income | $218,000 | 5,631 |
| Gross Fiduciary activities income | $5,000 | 1,290 |
| Service charges on deposit accounts | $164,000 | 4,129 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $49,000 | 6,460 |
| Total noninterest expense | $1,788,000 | 4,095 |
| Salaries and employee benefits | $1,133,000 | 3,606 |
| Premises and equipment expense | $229,000 | 4,352 |
| Additional noninterest expense | $426,000 | 4,852 |
| Pre-tax net operating income | $719,000 | 4,390 |
| Securities gains (losses) | $73,000 | 1,220 |
| Applicable income taxes | $40,000 | 5,827 |
| Income before extraordinary items | $752,000 | 3,688 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $752,000 | 3,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 1,980 |
| Cash dividends | $711,000 | 1,674 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $682,650 | 3,824 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,607,000 | 4,050 |
| Total interest expense | $439,000 | 4,048 |
| Net interest income | $1,168,000 | 3,980 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $79,000 | 6,323 |
| Gross Fiduciary activities income | $1,000 | 1,344 |
| Service charges on deposit accounts | $77,000 | 4,207 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,000 | 8,837 |
| Total noninterest expense | $917,000 | 4,031 |
| Salaries and employee benefits | $585,000 | 3,554 |
| Premises and equipment expense | $115,000 | 4,370 |
| Additional noninterest expense | $217,000 | 4,781 |
| Pre-tax net operating income | $330,000 | 4,592 |
| Securities gains (losses) | $73,000 | 971 |
| Applicable income taxes | $20,000 | 5,783 |
| Income before extraordinary items | $383,000 | 3,624 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $383,000 | 3,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,741 |
| Cash dividends | $360,000 | 1,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $313,650 | 4,026 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,931,000 | 3,859 |
| Total interest expense | $2,047,000 | 3,956 |
| Net interest income | $4,884,000 | 3,742 |
| Provision for loan and lease losses | $119,000 | 5,068 |
| Total noninterest income | $686,000 | 4,608 |
| Gross Fiduciary activities income | $16,000 | 1,284 |
| Service charges on deposit accounts | $350,000 | 3,951 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $320,000 | 4,378 |
| Total noninterest expense | $3,490,000 | 4,127 |
| Salaries and employee benefits | $2,204,000 | 3,614 |
| Premises and equipment expense | $447,000 | 4,389 |
| Additional noninterest expense | $839,000 | 4,899 |
| Pre-tax net operating income | $1,961,000 | 3,440 |
| Securities gains (losses) | $-9,000 | 8,769 |
| Applicable income taxes | $341,000 | 4,082 |
| Income before extraordinary items | $1,611,000 | 3,382 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,611,000 | 3,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,002 |
| Cash dividends | $1,531,000 | 1,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,618,470 | 3,212 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,322,000 | 3,829 |
| Total interest expense | $1,578,000 | 3,982 |
| Net interest income | $3,744,000 | 3,704 |
| Provision for loan and lease losses | $119,000 | 4,390 |
| Total noninterest income | $531,000 | 4,572 |
| Gross Fiduciary activities income | $16,000 | 1,219 |
| Service charges on deposit accounts | $263,000 | 3,956 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $252,000 | 4,363 |
| Total noninterest expense | $2,671,000 | 4,030 |
| Salaries and employee benefits | $1,669,000 | 3,576 |
| Premises and equipment expense | $339,000 | 4,359 |
| Additional noninterest expense | $663,000 | 4,662 |
| Pre-tax net operating income | $1,485,000 | 3,539 |
| Securities gains (losses) | $-8,000 | 8,920 |
| Applicable income taxes | $319,000 | 3,803 |
| Income before extraordinary items | $1,158,000 | 3,595 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,158,000 | 3,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,181 |
| Cash dividends | $847,000 | 1,946 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,164,240 | 3,403 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,538,000 | 3,858 |
| Total interest expense | $1,086,000 | 3,986 |
| Net interest income | $2,452,000 | 3,765 |
| Provision for loan and lease losses | $79,000 | 4,341 |
| Total noninterest income | $354,000 | 4,555 |
| Gross Fiduciary activities income | $12,000 | 1,199 |
| Service charges on deposit accounts | $167,000 | 4,050 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $175,000 | 4,284 |
| Total noninterest expense | $1,756,000 | 4,080 |
| Salaries and employee benefits | $1,086,000 | 3,648 |
| Premises and equipment expense | $225,000 | 4,379 |
| Additional noninterest expense | $445,000 | 4,629 |
| Pre-tax net operating income | $971,000 | 3,598 |
| Securities gains (losses) | $-8,000 | 9,027 |
| Applicable income taxes | $291,000 | 3,296 |
| Income before extraordinary items | $672,000 | 3,975 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $672,000 | 3,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,310 |
| Cash dividends | $622,000 | 1,848 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $677,600 | 3,776 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,778,000 | 3,860 |
| Total interest expense | $557,000 | 4,007 |
| Net interest income | $1,221,000 | 3,768 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $156,000 | 4,797 |
| Gross Fiduciary activities income | $2,000 | 1,343 |
| Service charges on deposit accounts | $84,000 | 3,965 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $70,000 | 4,607 |
| Total noninterest expense | $888,000 | 4,036 |
| Salaries and employee benefits | $559,000 | 3,564 |
| Premises and equipment expense | $104,000 | 4,580 |
| Additional noninterest expense | $225,000 | 4,564 |
| Pre-tax net operating income | $474,000 | 3,626 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $267,000 | 2,219 |
| Income before extraordinary items | $207,000 | 5,241 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $207,000 | 5,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $180,000 | 2,341 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $207,000 | 5,048 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,992,000 | 3,648 |
| Total interest expense | $2,752,000 | 3,798 |
| Net interest income | $5,240,000 | 3,517 |
| Provision for loan and lease losses | $43,000 | 6,876 |
| Total noninterest income | $728,000 | 4,225 |
| Gross Fiduciary activities income | $8,000 | 1,447 |
| Service charges on deposit accounts | $361,000 | 3,788 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $359,000 | 3,891 |
| Total noninterest expense | $3,706,000 | 3,775 |
| Salaries and employee benefits | $2,195,000 | 3,464 |
| Premises and equipment expense | $417,000 | 4,497 |
| Additional noninterest expense | $1,094,000 | 3,902 |
| Pre-tax net operating income | $2,219,000 | 3,182 |
| Securities gains (losses) | $3,000 | 4,139 |
| Applicable income taxes | $754,000 | 2,700 |
| Income before extraordinary items | $1,468,000 | 3,557 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,468,000 | 3,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 2,671 |
| Cash dividends | $3,152,000 | 894 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,466,020 | 3,456 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,315,000 | 3,525 |
| Total interest expense | $4,184,000 | 3,662 |
| Net interest income | $5,131,000 | 3,367 |
| Provision for loan and lease losses | $100,000 | 5,578 |
| Total noninterest income | $565,000 | 4,737 |
| Gross Fiduciary activities income | $12,000 | 1,388 |
| Service charges on deposit accounts | $381,000 | 3,541 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $172,000 | 5,245 |
| Total noninterest expense | $3,502,000 | 3,822 |
| Salaries and employee benefits | $2,052,000 | 3,527 |
| Premises and equipment expense | $389,000 | 4,678 |
| Additional noninterest expense | $1,061,000 | 3,869 |
| Pre-tax net operating income | $2,094,000 | 3,067 |
| Securities gains (losses) | $12,000 | 3,497 |
| Applicable income taxes | $696,000 | 2,683 |
| Income before extraordinary items | $1,410,000 | 3,379 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,410,000 | 3,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,674 |
| Cash dividends | $1,322,000 | 1,833 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,401,960 | 3,298 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,780,000 | 3,464 |
| Total interest expense | $4,961,000 | 3,343 |
| Net interest income | $4,819,000 | 3,594 |
| Provision for loan and lease losses | $30,000 | 7,204 |
| Total noninterest income | $523,000 | 4,792 |
| Gross Fiduciary activities income | $24,000 | 1,137 |
| Service charges on deposit accounts | $351,000 | 3,583 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $148,000 | 5,512 |
| Total noninterest expense | $3,499,000 | 3,704 |
| Salaries and employee benefits | $2,038,000 | 3,408 |
| Premises and equipment expense | $385,000 | 4,627 |
| Additional noninterest expense | $1,076,000 | 3,760 |
| Pre-tax net operating income | $1,813,000 | 3,552 |
| Securities gains (losses) | $1,000 | 1,732 |
| Applicable income taxes | $595,000 | 3,124 |
| Income before extraordinary items | $1,219,000 | 3,819 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,219,000 | 3,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,352 |
| Cash dividends | $1,140,000 | 2,077 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,218,330 | 3,804 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,895,000 | 3,566 |
| Total interest expense | $4,210,000 | 3,432 |
| Net interest income | $4,685,000 | 3,660 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $529,000 | 4,790 |
| Gross Fiduciary activities income | $15,000 | 1,231 |
| Service charges on deposit accounts | $313,000 | 3,863 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $201,000 | 4,932 |
| Total noninterest expense | $3,407,000 | 3,785 |
| Salaries and employee benefits | $1,878,000 | 3,623 |
| Premises and equipment expense | $390,000 | 4,632 |
| Additional noninterest expense | $1,139,000 | 3,610 |
| Pre-tax net operating income | $1,747,000 | 3,698 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $599,000 | 3,222 |
| Income before extraordinary items | $1,149,000 | 4,006 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,149,000 | 4,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-79,000 | 10,005 |
| Cash dividends | $1,322,000 | 1,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,148,340 | 3,971 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,371,000 | 3,427 |
| Total interest expense | $4,552,000 | 3,260 |
| Net interest income | $4,819,000 | 3,524 |
| Provision for loan and lease losses | $1,100,000 | 890 |
| Total noninterest income | $571,000 | 4,542 |
| Gross Fiduciary activities income | $3,000 | 1,349 |
| Service charges on deposit accounts | $326,000 | 3,677 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $242,000 | 4,493 |
| Total noninterest expense | $3,229,000 | 3,863 |
| Salaries and employee benefits | $1,824,000 | 3,627 |
| Premises and equipment expense | $387,000 | 4,543 |
| Additional noninterest expense | $1,018,000 | 3,900 |
| Pre-tax net operating income | $1,061,000 | 5,239 |
| Securities gains (losses) | $17,000 | 2,560 |
| Applicable income taxes | $360,000 | 4,695 |
| Income before extraordinary items | $718,000 | 5,534 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $718,000 | 5,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,058,000 | 723 |
| Cash dividends | $1,226,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $706,610 | 5,475 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,949,000 | 3,595 |
| Total interest expense | $4,385,000 | 3,372 |
| Net interest income | $4,564,000 | 3,784 |
| Provision for loan and lease losses | $30,000 | 7,369 |
| Total noninterest income | $550,000 | 4,695 |
| Gross Fiduciary activities income | $3,000 | 1,400 |
| Service charges on deposit accounts | $341,000 | 3,699 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $206,000 | 4,882 |
| Total noninterest expense | $3,303,000 | 3,794 |
| Salaries and employee benefits | $1,717,000 | 3,805 |
| Premises and equipment expense | $524,000 | 3,562 |
| Additional noninterest expense | $1,062,000 | 3,690 |
| Pre-tax net operating income | $1,781,000 | 3,893 |
| Securities gains (losses) | $12,000 | 2,240 |
| Applicable income taxes | $609,000 | 3,622 |
| Income before extraordinary items | $1,184,000 | 4,104 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,184,000 | 4,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 10,421 |
| Cash dividends | $564,000 | 3,217 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,176,080 | 4,064 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,658,000 | 3,740 |
| Total interest expense | $4,223,000 | 3,530 |
| Net interest income | $4,435,000 | 3,935 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $537,000 | 4,924 |
| Gross Fiduciary activities income | $11,000 | 1,397 |
| Service charges on deposit accounts | $327,000 | 3,967 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $199,000 | 5,174 |
| Total noninterest expense | $3,228,000 | 4,067 |
| Salaries and employee benefits | $1,681,000 | 3,885 |
| Premises and equipment expense | $519,000 | 3,663 |
| Additional noninterest expense | $1,028,000 | 4,310 |
| Pre-tax net operating income | $1,684,000 | 3,968 |
| Securities gains (losses) | $16,000 | 2,154 |
| Applicable income taxes | $573,000 | 3,721 |
| Income before extraordinary items | $1,127,000 | 4,081 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,127,000 | 4,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,845 |
| Cash dividends | $616,000 | 2,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,116,440 | 4,062 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,962,000 | 3,632 |
| Total interest expense | $4,396,000 | 3,381 |
| Net interest income | $4,566,000 | 3,853 |
| Provision for loan and lease losses | $540,000 | 1,477 |
| Total noninterest income | $552,000 | 4,850 |
| Gross Fiduciary activities income | $4,000 | 1,531 |
| Service charges on deposit accounts | $343,000 | 3,838 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $205,000 | 5,061 |
| Total noninterest expense | $3,079,000 | 4,191 |
| Salaries and employee benefits | $1,580,000 | 4,096 |
| Premises and equipment expense | $345,000 | 5,075 |
| Additional noninterest expense | $1,154,000 | 3,877 |
| Pre-tax net operating income | $1,499,000 | 4,458 |
| Securities gains (losses) | $-11,000 | 10,162 |
| Applicable income taxes | $496,000 | 4,219 |
| Income before extraordinary items | $992,000 | 4,658 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $992,000 | 4,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $610,000 | 1,215 |
| Cash dividends | $878,000 | 2,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $999,370 | 4,605 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,124,000 | 3,689 |
| Total interest expense | $3,434,000 | 3,503 |
| Net interest income | $4,690,000 | 3,777 |
| Provision for loan and lease losses | $100,000 | 4,522 |
| Total noninterest income | $518,000 | 5,161 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $354,000 | 3,797 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $164,000 | 5,924 |
| Total noninterest expense | $2,893,000 | 4,554 |
| Salaries and employee benefits | $1,427,000 | 4,480 |
| Premises and equipment expense | $302,000 | 5,687 |
| Additional noninterest expense | $1,164,000 | 4,165 |
| Pre-tax net operating income | $2,215,000 | 3,159 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $773,000 | 2,850 |
| Income before extraordinary items | $1,444,000 | 3,274 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,444,000 | 3,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-59,000 | 11,971 |
| Cash dividends | $610,000 | 2,763 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,442,700 | 3,306 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,802,000 | 3,899 |
| Total interest expense | $3,323,000 | 3,765 |
| Net interest income | $4,479,000 | 3,956 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $824,000 | 3,895 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $361,000 | 3,780 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $463,000 | 3,418 |
| Total noninterest expense | $2,748,000 | 4,848 |
| Salaries and employee benefits | $1,444,000 | 4,428 |
| Premises and equipment expense | $268,000 | 6,364 |
| Additional noninterest expense | $1,036,000 | 4,767 |
| Pre-tax net operating income | $2,495,000 | 2,711 |
| Securities gains (losses) | $16,000 | 4,943 |
| Applicable income taxes | $868,000 | 2,584 |
| Income before extraordinary items | $1,643,000 | 2,974 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,643,000 | 3,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 6,087 |
| Cash dividends | $251,000 | 4,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,632,600 | 2,834 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,878,000 | 4,346 |
| Total interest expense | $3,836,000 | 4,218 |
| Net interest income | $4,042,000 | 4,397 |
| Provision for loan and lease losses | $100,000 | 7,236 |
| Total noninterest income | $597,000 | 4,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $379,000 | 3,666 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $218,000 | 5,385 |
| Total noninterest expense | $2,517,000 | 5,285 |
| Salaries and employee benefits | $1,253,000 | 4,970 |
| Premises and equipment expense | $248,000 | 6,814 |
| Additional noninterest expense | $1,016,000 | 4,996 |
| Pre-tax net operating income | $2,022,000 | 3,075 |
| Securities gains (losses) | $30,000 | 4,989 |
| Applicable income taxes | $675,000 | 3,095 |
| Income before extraordinary items | $1,377,000 | 3,335 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,377,000 | 3,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 12,698 |
| Cash dividends | $708,000 | 2,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,356,900 | 3,136 |
* 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.