Home > Heritage Bank of Florida > Income and Expense
Heritage Bank of Florida, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $7,205,000 | 2,714 |
| Total interest expense | $1,848,000 | 1,841 |
| Net interest income | $5,357,000 | 2,979 |
| Provision for loan and lease losses | $7,325,000 | 295 |
| Total noninterest income | $-1,119,000 | 7,137 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $317,000 | 2,850 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-1,436,000 | 7,141 |
| Total noninterest expense | $4,427,000 | 3,090 |
| Salaries and employee benefits | $1,555,000 | 4,059 |
| Premises and equipment expense | $413,000 | 3,646 |
| Additional noninterest expense | $2,459,000 | 1,999 |
| Pre-tax net operating income | $-7,514,000 | 7,125 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-7,514,000 | 7,133 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-7,514,000 | 7,133 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-7,514,000 | 7,133 |
| Net charge-offs | $6,553,000 | 372 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-7,514,000 | 7,126 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,907,000 | 2,671 |
| Total interest expense | $1,266,000 | 1,852 |
| Net interest income | $3,641,000 | 2,933 |
| Provision for loan and lease losses | $7,325,000 | 218 |
| Total noninterest income | $-1,062,000 | 7,215 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $211,000 | 2,837 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-1,273,000 | 7,216 |
| Total noninterest expense | $2,800,000 | 3,236 |
| Salaries and employee benefits | $1,069,000 | 4,006 |
| Premises and equipment expense | $270,000 | 3,675 |
| Additional noninterest expense | $1,461,000 | 2,212 |
| Pre-tax net operating income | $-7,546,000 | 7,211 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-7,546,000 | 7,207 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-7,546,000 | 7,207 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-7,546,000 | 7,207 |
| Net charge-offs | $6,165,000 | 284 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-7,546,000 | 7,206 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,492,000 | 2,667 |
| Total interest expense | $645,000 | 1,903 |
| Net interest income | $1,847,000 | 2,907 |
| Provision for loan and lease losses | $307,000 | 1,480 |
| Total noninterest income | $-124,000 | 7,216 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $102,000 | 2,891 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-226,000 | 7,219 |
| Total noninterest expense | $1,416,000 | 3,191 |
| Salaries and employee benefits | $541,000 | 3,999 |
| Premises and equipment expense | $134,000 | 3,731 |
| Additional noninterest expense | $741,000 | 2,178 |
| Pre-tax net operating income | $0 | 6,420 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $0 | 6,524 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $0 | 6,525 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $0 | 6,524 |
| Net charge-offs | $3,549,000 | 244 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $0 | 6,411 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $10,961,000 | 2,540 |
| Total interest expense | $3,214,000 | 1,842 |
| Net interest income | $7,747,000 | 2,820 |
| Provision for loan and lease losses | $6,321,000 | 654 |
| Total noninterest income | $-111,000 | 7,085 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $475,000 | 2,681 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-586,000 | 7,115 |
| Total noninterest expense | $6,060,000 | 3,035 |
| Salaries and employee benefits | $2,126,000 | 4,008 |
| Premises and equipment expense | $606,000 | 3,554 |
| Additional noninterest expense | $3,328,000 | 2,012 |
| Pre-tax net operating income | $-4,745,000 | 7,045 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-4,745,000 | 7,059 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,745,000 | 7,058 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-4,745,000 | 7,059 |
| Net charge-offs | $6,234,000 | 668 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-4,745,000 | 7,048 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $8,330,000 | 2,539 |
| Total interest expense | $2,493,000 | 1,853 |
| Net interest income | $5,837,000 | 2,810 |
| Provision for loan and lease losses | $5,649,000 | 559 |
| Total noninterest income | $-57,000 | 7,163 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $358,000 | 2,685 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-415,000 | 7,214 |
| Total noninterest expense | $4,212,000 | 3,229 |
| Salaries and employee benefits | $1,624,000 | 3,946 |
| Premises and equipment expense | $457,000 | 3,575 |
| Additional noninterest expense | $2,131,000 | 2,325 |
| Pre-tax net operating income | $-4,081,000 | 7,181 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $-1,531,000 | 7,344 |
| Income before extraordinary items | $-2,550,000 | 7,111 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,550,000 | 7,112 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-2,550,000 | 7,112 |
| Net charge-offs | $6,469,000 | 507 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-2,550,000 | 7,097 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,636,000 | 2,524 |
| Total interest expense | $1,712,000 | 1,867 |
| Net interest income | $3,924,000 | 2,790 |
| Provision for loan and lease losses | $5,648,000 | 382 |
| Total noninterest income | $273,000 | 4,296 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $242,000 | 2,635 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $31,000 | 5,931 |
| Total noninterest expense | $2,719,000 | 3,360 |
| Salaries and employee benefits | $1,051,000 | 4,065 |
| Premises and equipment expense | $306,000 | 3,599 |
| Additional noninterest expense | $1,362,000 | 2,450 |
| Pre-tax net operating income | $-4,170,000 | 7,339 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-1,569,000 | 7,444 |
| Income before extraordinary items | $-2,601,000 | 7,266 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,601,000 | 7,266 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-2,601,000 | 7,267 |
| Net charge-offs | $6,339,000 | 384 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-2,601,000 | 7,253 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,893,000 | 2,464 |
| Total interest expense | $884,000 | 1,872 |
| Net interest income | $2,009,000 | 2,719 |
| Provision for loan and lease losses | $4,876,000 | 249 |
| Total noninterest income | $142,000 | 4,280 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $125,000 | 2,544 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $17,000 | 5,953 |
| Total noninterest expense | $1,444,000 | 3,205 |
| Salaries and employee benefits | $527,000 | 4,085 |
| Premises and equipment expense | $147,000 | 3,752 |
| Additional noninterest expense | $770,000 | 2,182 |
| Pre-tax net operating income | $-4,169,000 | 7,490 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-1,569,000 | 7,538 |
| Income before extraordinary items | $-2,600,000 | 7,438 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-2,600,000 | 7,437 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-2,600,000 | 7,438 |
| Net charge-offs | $5,906,000 | 238 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-2,600,000 | 7,440 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $12,518,000 | 2,401 |
| Total interest expense | $4,853,000 | 1,690 |
| Net interest income | $7,665,000 | 2,836 |
| Provision for loan and lease losses | $14,643,000 | 489 |
| Total noninterest income | $566,000 | 4,353 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $519,000 | 2,573 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $47,000 | 6,156 |
| Total noninterest expense | $5,537,000 | 3,316 |
| Salaries and employee benefits | $1,859,000 | 4,438 |
| Premises and equipment expense | $596,000 | 3,739 |
| Additional noninterest expense | $3,082,000 | 2,247 |
| Pre-tax net operating income | $-11,949,000 | 7,403 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-4,497,000 | 7,578 |
| Income before extraordinary items | $-7,452,000 | 7,299 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-7,452,000 | 7,299 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-7,452,000 | 7,299 |
| Net charge-offs | $8,792,000 | 665 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-7,452,000 | 7,283 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $9,594,000 | 2,406 |
| Total interest expense | $3,861,000 | 1,678 |
| Net interest income | $5,733,000 | 2,879 |
| Provision for loan and lease losses | $14,141,000 | 383 |
| Total noninterest income | $468,000 | 4,205 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $401,000 | 2,581 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $67,000 | 5,698 |
| Total noninterest expense | $3,588,000 | 3,752 |
| Salaries and employee benefits | $1,376,000 | 4,499 |
| Premises and equipment expense | $447,000 | 3,795 |
| Additional noninterest expense | $1,765,000 | 2,761 |
| Pre-tax net operating income | $-11,528,000 | 7,585 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-4,338,000 | 7,684 |
| Income before extraordinary items | $-7,190,000 | 7,516 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-7,190,000 | 7,516 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-7,190,000 | 7,516 |
| Net charge-offs | $6,866,000 | 630 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-7,190,000 | 7,495 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,542,000 | 2,377 |
| Total interest expense | $2,714,000 | 1,662 |
| Net interest income | $3,828,000 | 2,875 |
| Provision for loan and lease losses | $13,051,000 | 290 |
| Total noninterest income | $299,000 | 4,271 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $259,000 | 2,652 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $40,000 | 5,833 |
| Total noninterest expense | $2,351,000 | 3,797 |
| Salaries and employee benefits | $890,000 | 4,610 |
| Premises and equipment expense | $315,000 | 3,672 |
| Additional noninterest expense | $1,146,000 | 2,825 |
| Pre-tax net operating income | $-11,275,000 | 7,700 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-4,285,000 | 7,768 |
| Income before extraordinary items | $-6,990,000 | 7,646 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-6,990,000 | 7,646 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-6,990,000 | 7,646 |
| Net charge-offs | $6,801,000 | 450 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-6,990,000 | 7,642 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,325,000 | 2,402 |
| Total interest expense | $1,462,000 | 1,608 |
| Net interest income | $1,863,000 | 2,972 |
| Provision for loan and lease losses | $650,000 | 1,543 |
| Total noninterest income | $128,000 | 4,591 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $118,000 | 2,818 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $10,000 | 6,608 |
| Total noninterest expense | $1,160,000 | 3,850 |
| Salaries and employee benefits | $462,000 | 4,567 |
| Premises and equipment expense | $151,000 | 3,870 |
| Additional noninterest expense | $547,000 | 2,937 |
| Pre-tax net operating income | $181,000 | 4,259 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $69,000 | 2,480 |
| Income before extraordinary items | $112,000 | 4,824 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $112,000 | 4,824 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $112,000 | 4,823 |
| Net charge-offs | $668,000 | 1,370 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $112,000 | 4,720 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $13,895,000 | 2,395 |
| Total interest expense | $7,262,000 | 1,634 |
| Net interest income | $6,633,000 | 3,183 |
| Provision for loan and lease losses | $1,624,000 | 2,769 |
| Total noninterest income | $496,000 | 4,744 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $467,000 | 3,034 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $29,000 | 6,757 |
| Total noninterest expense | $4,356,000 | 4,095 |
| Salaries and employee benefits | $1,875,000 | 4,566 |
| Premises and equipment expense | $637,000 | 3,728 |
| Additional noninterest expense | $1,844,000 | 3,545 |
| Pre-tax net operating income | $1,149,000 | 2,777 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $436,000 | 1,675 |
| Income before extraordinary items | $713,000 | 3,335 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $713,000 | 3,334 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $713,000 | 3,334 |
| Net charge-offs | $1,402,000 | 2,455 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $713,000 | 3,270 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,469,000 | 2,432 |
| Total interest expense | $5,581,000 | 1,659 |
| Net interest income | $4,888,000 | 3,244 |
| Provision for loan and lease losses | $1,000,000 | 2,773 |
| Total noninterest income | $380,000 | 4,774 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $342,000 | 3,088 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $38,000 | 6,511 |
| Total noninterest expense | $3,237,000 | 4,137 |
| Salaries and employee benefits | $1,400,000 | 4,607 |
| Premises and equipment expense | $490,000 | 3,673 |
| Additional noninterest expense | $1,347,000 | 3,560 |
| Pre-tax net operating income | $1,031,000 | 2,681 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $392,000 | 1,656 |
| Income before extraordinary items | $639,000 | 3,278 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $639,000 | 3,276 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $639,000 | 3,278 |
| Net charge-offs | $783,000 | 2,498 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $639,000 | 3,188 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $7,077,000 | 2,431 |
| Total interest expense | $3,774,000 | 1,715 |
| Net interest income | $3,303,000 | 3,195 |
| Provision for loan and lease losses | $704,000 | 2,485 |
| Total noninterest income | $223,000 | 5,028 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $209,000 | 3,235 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $14,000 | 7,048 |
| Total noninterest expense | $2,072,000 | 4,299 |
| Salaries and employee benefits | $936,000 | 4,641 |
| Premises and equipment expense | $320,000 | 3,748 |
| Additional noninterest expense | $816,000 | 3,818 |
| Pre-tax net operating income | $750,000 | 2,632 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $284,000 | 1,595 |
| Income before extraordinary items | $466,000 | 3,221 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $466,000 | 3,218 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $466,000 | 3,220 |
| Net charge-offs | $386,000 | 2,649 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $466,000 | 3,106 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,650,000 | 2,384 |
| Total interest expense | $1,896,000 | 1,780 |
| Net interest income | $1,754,000 | 3,034 |
| Provision for loan and lease losses | $375,000 | 2,048 |
| Total noninterest income | $108,000 | 5,078 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $101,000 | 3,239 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $7,000 | 7,131 |
| Total noninterest expense | $1,115,000 | 3,983 |
| Salaries and employee benefits | $533,000 | 4,253 |
| Premises and equipment expense | $161,000 | 3,778 |
| Additional noninterest expense | $421,000 | 3,435 |
| Pre-tax net operating income | $372,000 | 2,949 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $140,000 | 1,822 |
| Income before extraordinary items | $232,000 | 3,598 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $232,000 | 3,598 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $232,000 | 3,599 |
| Net charge-offs | $200,000 | 2,133 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $232,000 | 3,460 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $15,347,000 | 2,414 |
| Total interest expense | $7,598,000 | 2,060 |
| Net interest income | $7,749,000 | 2,790 |
| Provision for loan and lease losses | $825,000 | 2,991 |
| Total noninterest income | $502,000 | 4,830 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $463,000 | 3,180 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $39,000 | 6,986 |
| Total noninterest expense | $4,095,000 | 4,157 |
| Salaries and employee benefits | $2,018,000 | 4,415 |
| Premises and equipment expense | $648,000 | 3,699 |
| Additional noninterest expense | $1,429,000 | 3,757 |
| Pre-tax net operating income | $3,331,000 | 1,632 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $1,225,000 | 1,018 |
| Income before extraordinary items | $2,106,000 | 1,894 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,106,000 | 1,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $581,000 | 2,597 |
| Cash dividends | $412,000 | 3,636 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $2,106,000 | 2,013 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,513,000 | 2,463 |
| Total interest expense | $5,629,000 | 2,156 |
| Net interest income | $5,884,000 | 2,766 |
| Provision for loan and lease losses | $365,000 | 3,221 |
| Total noninterest income | $373,000 | 4,961 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $343,000 | 3,225 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $30,000 | 7,117 |
| Total noninterest expense | $3,015,000 | 4,201 |
| Salaries and employee benefits | $1,514,000 | 4,437 |
| Premises and equipment expense | $491,000 | 3,684 |
| Additional noninterest expense | $1,010,000 | 3,837 |
| Pre-tax net operating income | $2,877,000 | 1,694 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,028,000 | 1,128 |
| Income before extraordinary items | $1,849,000 | 1,918 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,849,000 | 1,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,819 |
| Cash dividends | $412,000 | 2,984 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,849,000 | 2,018 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,656,000 | 2,507 |
| Total interest expense | $3,766,000 | 2,226 |
| Net interest income | $3,890,000 | 2,783 |
| Provision for loan and lease losses | $150,000 | 3,592 |
| Total noninterest income | $250,000 | 4,997 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $226,000 | 3,233 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $24,000 | 7,026 |
| Total noninterest expense | $1,953,000 | 4,315 |
| Salaries and employee benefits | $975,000 | 4,609 |
| Premises and equipment expense | $321,000 | 3,757 |
| Additional noninterest expense | $657,000 | 3,892 |
| Pre-tax net operating income | $2,037,000 | 1,670 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $745,000 | 1,173 |
| Income before extraordinary items | $1,292,000 | 2,050 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,292,000 | 2,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 3,504 |
| Cash dividends | $412,000 | 2,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,292,000 | 2,004 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,836,000 | 2,559 |
| Total interest expense | $1,886,000 | 2,360 |
| Net interest income | $1,950,000 | 2,764 |
| Provision for loan and lease losses | $90,000 | 2,858 |
| Total noninterest income | $121,000 | 5,062 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $109,000 | 3,281 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $12,000 | 7,050 |
| Total noninterest expense | $957,000 | 4,372 |
| Salaries and employee benefits | $482,000 | 4,677 |
| Premises and equipment expense | $155,000 | 3,877 |
| Additional noninterest expense | $320,000 | 3,920 |
| Pre-tax net operating income | $1,024,000 | 1,746 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $378,000 | 1,243 |
| Income before extraordinary items | $646,000 | 2,166 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $646,000 | 2,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $412,000 | 1,557 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $646,000 | 2,099 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $15,823,000 | 2,556 |
| Total interest expense | $7,571,000 | 2,444 |
| Net interest income | $8,252,000 | 2,654 |
| Provision for loan and lease losses | $693,000 | 1,868 |
| Total noninterest income | $544,000 | 4,839 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $480,000 | 3,131 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $64,000 | 6,820 |
| Total noninterest expense | $3,931,000 | 4,175 |
| Salaries and employee benefits | $1,973,000 | 4,418 |
| Premises and equipment expense | $626,000 | 3,724 |
| Additional noninterest expense | $1,332,000 | 3,761 |
| Pre-tax net operating income | $4,172,000 | 1,912 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,639,000 | 1,318 |
| Income before extraordinary items | $2,533,000 | 2,326 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,533,000 | 2,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 2,297 |
| Cash dividends | $412,000 | 3,995 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,533,000 | 2,317 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,822,000 | 2,566 |
| Total interest expense | $5,638,000 | 2,455 |
| Net interest income | $6,184,000 | 2,661 |
| Provision for loan and lease losses | $390,000 | 1,898 |
| Total noninterest income | $393,000 | 4,952 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $345,000 | 3,217 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $48,000 | 6,845 |
| Total noninterest expense | $2,968,000 | 4,134 |
| Salaries and employee benefits | $1,500,000 | 4,376 |
| Premises and equipment expense | $472,000 | 3,705 |
| Additional noninterest expense | $996,000 | 3,715 |
| Pre-tax net operating income | $3,219,000 | 1,986 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,261,000 | 1,395 |
| Income before extraordinary items | $1,958,000 | 2,417 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,958,000 | 2,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $284,000 | 1,583 |
| Cash dividends | $412,000 | 3,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,958,000 | 2,393 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,722,000 | 2,632 |
| Total interest expense | $3,618,000 | 2,552 |
| Net interest income | $4,104,000 | 2,691 |
| Provision for loan and lease losses | $185,000 | 2,274 |
| Total noninterest income | $267,000 | 4,941 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $226,000 | 3,240 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $41,000 | 6,570 |
| Total noninterest expense | $1,986,000 | 4,144 |
| Salaries and employee benefits | $982,000 | 4,467 |
| Premises and equipment expense | $319,000 | 3,683 |
| Additional noninterest expense | $685,000 | 3,627 |
| Pre-tax net operating income | $2,200,000 | 1,995 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $872,000 | 1,412 |
| Income before extraordinary items | $1,328,000 | 2,437 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,328,000 | 2,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 1,867 |
| Cash dividends | $412,000 | 2,713 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,328,000 | 2,420 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,756,000 | 2,690 |
| Total interest expense | $1,727,000 | 2,643 |
| Net interest income | $2,029,000 | 2,720 |
| Provision for loan and lease losses | $75,000 | 2,404 |
| Total noninterest income | $139,000 | 4,807 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $122,000 | 3,030 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $17,000 | 6,843 |
| Total noninterest expense | $979,000 | 4,208 |
| Salaries and employee benefits | $474,000 | 4,610 |
| Premises and equipment expense | $165,000 | 3,612 |
| Additional noninterest expense | $340,000 | 3,616 |
| Pre-tax net operating income | $1,114,000 | 1,985 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $439,000 | 1,421 |
| Income before extraordinary items | $675,000 | 2,403 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $675,000 | 2,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 1,116 |
| Cash dividends | $412,000 | 1,629 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $675,000 | 2,387 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,432,000 | 2,804 |
| Total interest expense | $5,417,000 | 2,830 |
| Net interest income | $8,015,000 | 2,749 |
| Provision for loan and lease losses | $515,000 | 1,854 |
| Total noninterest income | $522,000 | 5,041 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $455,000 | 3,269 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $67,000 | 6,920 |
| Total noninterest expense | $3,846,000 | 4,100 |
| Salaries and employee benefits | $1,677,000 | 4,851 |
| Premises and equipment expense | $714,000 | 3,290 |
| Additional noninterest expense | $1,455,000 | 3,373 |
| Pre-tax net operating income | $4,176,000 | 2,184 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,575,000 | 1,583 |
| Income before extraordinary items | $2,601,000 | 2,531 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,601,000 | 2,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,225 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $1,116,000 | 473 |
| Net operating income | $2,601,000 | 2,508 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,723,000 | 2,871 |
| Total interest expense | $3,752,000 | 2,946 |
| Net interest income | $5,971,000 | 2,791 |
| Provision for loan and lease losses | $420,000 | 1,622 |
| Total noninterest income | $397,000 | 5,029 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $334,000 | 3,332 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $63,000 | 6,605 |
| Total noninterest expense | $2,894,000 | 4,077 |
| Salaries and employee benefits | $1,245,000 | 4,852 |
| Premises and equipment expense | $578,000 | 3,097 |
| Additional noninterest expense | $1,071,000 | 3,424 |
| Pre-tax net operating income | $3,054,000 | 2,299 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,132,000 | 1,723 |
| Income before extraordinary items | $1,922,000 | 2,651 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,922,000 | 2,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,593 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $1,089,000 | 366 |
| Net operating income | $1,922,000 | 2,642 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,202,000 | 2,942 |
| Total interest expense | $2,300,000 | 3,043 |
| Net interest income | $3,902,000 | 2,839 |
| Provision for loan and lease losses | $315,000 | 1,403 |
| Total noninterest income | $260,000 | 5,056 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $215,000 | 3,385 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $45,000 | 6,526 |
| Total noninterest expense | $1,802,000 | 4,298 |
| Salaries and employee benefits | $775,000 | 5,088 |
| Premises and equipment expense | $385,000 | 3,097 |
| Additional noninterest expense | $642,000 | 3,714 |
| Pre-tax net operating income | $2,045,000 | 2,261 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $805,000 | 1,655 |
| Income before extraordinary items | $1,240,000 | 2,719 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,240,000 | 2,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,889 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $1,084,000 | 259 |
| Net operating income | $1,240,000 | 2,706 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,931,000 | 3,031 |
| Total interest expense | $1,068,000 | 3,088 |
| Net interest income | $1,863,000 | 2,958 |
| Provision for loan and lease losses | $195,000 | 1,170 |
| Total noninterest income | $128,000 | 5,053 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $110,000 | 3,276 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $18,000 | 6,859 |
| Total noninterest expense | $850,000 | 4,501 |
| Salaries and employee benefits | $387,000 | 5,126 |
| Premises and equipment expense | $141,000 | 3,962 |
| Additional noninterest expense | $322,000 | 3,677 |
| Pre-tax net operating income | $946,000 | 2,379 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $373,000 | 1,741 |
| Income before extraordinary items | $573,000 | 2,837 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $573,000 | 2,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $1,084,000 | 137 |
| Net operating income | $573,000 | 2,823 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,756,000 | 3,491 |
| Total interest expense | $2,917,000 | 3,416 |
| Net interest income | $5,839,000 | 3,506 |
| Provision for loan and lease losses | $658,000 | 1,514 |
| Total noninterest income | $477,000 | 5,340 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $397,000 | 3,572 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $80,000 | 6,751 |
| Total noninterest expense | $2,828,000 | 4,979 |
| Salaries and employee benefits | $1,228,000 | 5,724 |
| Premises and equipment expense | $396,000 | 4,887 |
| Additional noninterest expense | $1,204,000 | 3,862 |
| Pre-tax net operating income | $2,830,000 | 2,894 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,087,000 | 2,147 |
| Income before extraordinary items | $1,743,000 | 3,452 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,743,000 | 3,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 2,022 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $5,159,000 | 295 |
| Net operating income | $1,743,000 | 3,417 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,158,000 | 3,623 |
| Total interest expense | $2,038,000 | 3,461 |
| Net interest income | $4,120,000 | 3,669 |
| Provision for loan and lease losses | $483,000 | 1,442 |
| Total noninterest income | $367,000 | 5,310 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $296,000 | 3,581 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $71,000 | 6,499 |
| Total noninterest expense | $2,011,000 | 5,127 |
| Salaries and employee benefits | $889,000 | 5,808 |
| Premises and equipment expense | $288,000 | 4,976 |
| Additional noninterest expense | $834,000 | 4,054 |
| Pre-tax net operating income | $1,993,000 | 3,066 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $783,000 | 2,235 |
| Income before extraordinary items | $1,210,000 | 3,640 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,210,000 | 3,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 1,470 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,210,000 | 3,611 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,811,000 | 3,772 |
| Total interest expense | $1,243,000 | 3,534 |
| Net interest income | $2,568,000 | 3,839 |
| Provision for loan and lease losses | $328,000 | 1,410 |
| Total noninterest income | $250,000 | 5,214 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $204,000 | 3,467 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $46,000 | 6,538 |
| Total noninterest expense | $1,265,000 | 5,297 |
| Salaries and employee benefits | $556,000 | 6,005 |
| Premises and equipment expense | $185,000 | 5,077 |
| Additional noninterest expense | $524,000 | 4,215 |
| Pre-tax net operating income | $1,225,000 | 3,193 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $480,000 | 2,330 |
| Income before extraordinary items | $745,000 | 3,798 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $745,000 | 3,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 1,053 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $745,000 | 3,745 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,769,000 | 3,976 |
| Total interest expense | $562,000 | 3,694 |
| Net interest income | $1,207,000 | 4,044 |
| Provision for loan and lease losses | $163,000 | 1,317 |
| Total noninterest income | $139,000 | 4,902 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $102,000 | 3,402 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $37,000 | 5,797 |
| Total noninterest expense | $597,000 | 5,529 |
| Salaries and employee benefits | $282,000 | 5,993 |
| Premises and equipment expense | $98,000 | 4,931 |
| Additional noninterest expense | $217,000 | 4,810 |
| Pre-tax net operating income | $586,000 | 3,283 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $228,000 | 2,392 |
| Income before extraordinary items | $358,000 | 3,908 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $358,000 | 3,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 950 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $358,000 | 3,858 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,696,000 | 4,423 |
| Total interest expense | $1,617,000 | 4,299 |
| Net interest income | $4,079,000 | 4,420 |
| Provision for loan and lease losses | $565,000 | 1,763 |
| Total noninterest income | $458,000 | 5,487 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $423,000 | 3,511 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $35,000 | 7,828 |
| Total noninterest expense | $2,183,000 | 5,723 |
| Salaries and employee benefits | $947,000 | 6,454 |
| Premises and equipment expense | $237,000 | 6,335 |
| Additional noninterest expense | $999,000 | 4,355 |
| Pre-tax net operating income | $1,789,000 | 3,802 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $683,000 | 2,805 |
| Income before extraordinary items | $1,106,000 | 4,420 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,106,000 | 4,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 2,728 |
| Cash dividends | $149,000 | 5,210 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,106,000 | 4,347 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,100,000 | 4,535 |
| Total interest expense | $1,166,000 | 4,371 |
| Net interest income | $2,934,000 | 4,547 |
| Provision for loan and lease losses | $430,000 | 1,671 |
| Total noninterest income | $329,000 | 5,611 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $304,000 | 3,635 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $25,000 | 7,883 |
| Total noninterest expense | $1,604,000 | 5,761 |
| Salaries and employee benefits | $698,000 | 6,473 |
| Premises and equipment expense | $205,000 | 5,910 |
| Additional noninterest expense | $701,000 | 4,523 |
| Pre-tax net operating income | $1,229,000 | 4,103 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $479,000 | 2,975 |
| Income before extraordinary items | $750,000 | 4,790 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $750,000 | 4,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,116 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $750,000 | 4,697 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,635,000 | 4,660 |
| Total interest expense | $747,000 | 4,489 |
| Net interest income | $1,888,000 | 4,664 |
| Provision for loan and lease losses | $275,000 | 1,692 |
| Total noninterest income | $199,000 | 5,827 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $181,000 | 3,891 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $18,000 | 7,850 |
| Total noninterest expense | $1,054,000 | 5,843 |
| Salaries and employee benefits | $459,000 | 6,558 |
| Premises and equipment expense | $133,000 | 6,029 |
| Additional noninterest expense | $462,000 | 4,590 |
| Pre-tax net operating income | $758,000 | 4,248 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $293,000 | 3,120 |
| Income before extraordinary items | $465,000 | 4,922 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $465,000 | 4,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 1,565 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $465,000 | 4,829 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,256,000 | 4,846 |
| Total interest expense | $351,000 | 4,700 |
| Net interest income | $905,000 | 4,808 |
| Provision for loan and lease losses | $135,000 | 1,665 |
| Total noninterest income | $99,000 | 5,796 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $90,000 | 3,830 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $9,000 | 7,855 |
| Total noninterest expense | $512,000 | 5,967 |
| Salaries and employee benefits | $230,000 | 6,607 |
| Premises and equipment expense | $31,000 | 7,720 |
| Additional noninterest expense | $251,000 | 4,304 |
| Pre-tax net operating income | $357,000 | 4,374 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $135,000 | 3,278 |
| Income before extraordinary items | $222,000 | 5,068 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $222,000 | 5,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 1,129 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $222,000 | 4,937 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,076,000 | 5,583 |
| Total interest expense | $1,371,000 | 5,158 |
| Net interest income | $2,705,000 | 5,636 |
| Provision for loan and lease losses | $508,000 | 2,139 |
| Total noninterest income | $335,000 | 6,356 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $308,000 | 4,236 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $27,000 | 8,216 |
| Total noninterest expense | $1,805,000 | 6,345 |
| Salaries and employee benefits | $782,000 | 6,975 |
| Premises and equipment expense | $443,000 | 4,413 |
| Additional noninterest expense | $580,000 | 6,098 |
| Pre-tax net operating income | $727,000 | 5,917 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $148,000 | 5,291 |
| Income before extraordinary items | $579,000 | 6,017 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $579,000 | 6,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 2,698 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $3,285,000 | 259 |
| Net operating income | $579,000 | 5,854 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,937,000 | 5,782 |
| Total interest expense | $1,029,000 | 5,288 |
| Net interest income | $1,908,000 | 5,874 |
| Provision for loan and lease losses | $324,000 | 2,370 |
| Total noninterest income | $245,000 | 6,458 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $226,000 | 4,303 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $19,000 | 8,294 |
| Total noninterest expense | $1,330,000 | 6,366 |
| Salaries and employee benefits | $573,000 | 7,038 |
| Premises and equipment expense | $217,000 | 5,749 |
| Additional noninterest expense | $540,000 | 5,380 |
| Pre-tax net operating income | $499,000 | 6,289 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $130,000 | 5,284 |
| Income before extraordinary items | $369,000 | 6,542 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $369,000 | 6,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 2,208 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $3,265,000 | 173 |
| Net operating income | $369,000 | 6,371 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,886,000 | 5,934 |
| Total interest expense | $673,000 | 5,471 |
| Net interest income | $1,213,000 | 6,031 |
| Provision for loan and lease losses | $195,000 | 2,557 |
| Total noninterest income | $164,000 | 6,429 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $151,000 | 4,272 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $13,000 | 8,275 |
| Total noninterest expense | $868,000 | 6,451 |
| Salaries and employee benefits | $372,000 | 7,130 |
| Premises and equipment expense | $102,000 | 6,719 |
| Additional noninterest expense | $394,000 | 5,057 |
| Pre-tax net operating income | $314,000 | 6,414 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $60,000 | 5,731 |
| Income before extraordinary items | $254,000 | 6,487 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $254,000 | 6,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $266,000 | 302 |
| Net operating income | $254,000 | 6,282 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $891,000 | 6,130 |
| Total interest expense | $319,000 | 5,748 |
| Net interest income | $572,000 | 6,213 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $84,000 | 6,303 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $78,000 | 4,130 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $6,000 | 8,357 |
| Total noninterest expense | $457,000 | 6,297 |
| Salaries and employee benefits | $183,000 | 7,188 |
| Premises and equipment expense | $62,000 | 6,190 |
| Additional noninterest expense | $212,000 | 4,752 |
| Pre-tax net operating income | $109,000 | 7,056 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $109,000 | 6,730 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $109,000 | 6,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $109,000 | 6,561 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,731,000 | 7,123 |
| Total interest expense | $995,000 | 6,949 |
| Net interest income | $1,736,000 | 7,060 |
| Provision for loan and lease losses | $288,000 | 3,564 |
| Total noninterest income | $204,000 | 7,262 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $187,000 | 5,367 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $17,000 | 8,643 |
| Total noninterest expense | $1,404,000 | 7,054 |
| Salaries and employee benefits | $634,000 | 7,574 |
| Premises and equipment expense | $208,000 | 6,677 |
| Additional noninterest expense | $562,000 | 6,149 |
| Pre-tax net operating income | $248,000 | 7,758 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $248,000 | 7,568 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $248,000 | 7,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 4,084 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $248,000 | 7,478 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,587,000 | 8,648 |
| Total interest expense | $738,000 | 8,557 |
| Net interest income | $849,000 | 8,582 |
| Provision for loan and lease losses | $86,000 | 5,884 |
| Total noninterest income | $103,000 | 8,463 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $86,000 | 6,853 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $17,000 | 8,847 |
| Total noninterest expense | $1,167,000 | 7,535 |
| Salaries and employee benefits | $492,000 | 8,219 |
| Premises and equipment expense | $169,000 | 7,229 |
| Additional noninterest expense | $506,000 | 6,393 |
| Pre-tax net operating income | $-301,000 | 9,035 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-301,000 | 9,127 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-301,000 | 9,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-301,000 | 9,072 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,112,000 | 9,312 |
| Total interest expense | $455,000 | 9,332 |
| Net interest income | $657,000 | 9,208 |
| Provision for loan and lease losses | $82,000 | 5,726 |
| Total noninterest income | $64,000 | 9,127 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 7,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 9,267 |
| Total noninterest expense | $849,000 | 8,431 |
| Salaries and employee benefits | $412,000 | 8,684 |
| Premises and equipment expense | $121,000 | 8,080 |
| Additional noninterest expense | $316,000 | 7,819 |
| Pre-tax net operating income | $-210,000 | 9,346 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-210,000 | 9,384 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-210,000 | 9,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,220 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-210,000 | 9,382 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $249,000 | 10,107 |
| Total interest expense | $37,000 | 10,117 |
| Net interest income | $212,000 | 10,046 |
| Provision for loan and lease losses | $45,000 | 6,711 |
| Total noninterest income | $4,000 | 10,117 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 10,002 |
| Total noninterest expense | $459,000 | 9,738 |
| Salaries and employee benefits | $267,000 | 9,646 |
| Premises and equipment expense | $46,000 | 9,708 |
| Additional noninterest expense | $146,000 | 9,543 |
| Pre-tax net operating income | $-288,000 | 9,704 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-288,000 | 9,759 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-288,000 | 9,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $5,180,000 | 237 |
| Net operating income | $-288,000 | 9,737 |
* 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.