Home > Heritage Bank of the South > Income and Expense
Heritage Bank of the South, Income and Expense
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $40,758,000 | 349 |
| Total interest expense | $1,460,000 | 973 |
| Net interest income | $39,298,000 | 324 |
| Provision for loan and lease losses | $300,000 | 1,096 |
| Total noninterest income | $22,678,000 | 235 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $2,848,000 | 271 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $19,830,000 | 193 |
| Total noninterest expense | $62,770,000 | 204 |
| Salaries and employee benefits | $32,937,000 | 195 |
| Premises and equipment expense | $5,190,000 | 271 |
| Additional noninterest expense | $24,643,000 | 194 |
| Pre-tax net operating income | $-1,094,000 | 6,290 |
| Securities gains (losses) | $-769,000 | 6,326 |
| Applicable income taxes | $-759,000 | 6,315 |
| Income before extraordinary items | $-1,104,000 | 6,296 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-1,104,000 | 6,296 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $-1,104,000 | 6,296 |
| Net charge-offs | $-27,000 | 5,566 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $298,000 | 251 |
| Net operating income | $-611,840 | 6,265 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $20,429,000 | 346 |
| Total interest expense | $1,980,000 | 349 |
| Net interest income | $18,449,000 | 350 |
| Provision for loan and lease losses | $75,000 | 1,675 |
| Total noninterest income | $11,614,000 | 228 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $1,386,000 | 271 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $10,228,000 | 183 |
| Total noninterest expense | $23,820,000 | 263 |
| Salaries and employee benefits | $15,603,000 | 202 |
| Premises and equipment expense | $2,679,000 | 264 |
| Additional noninterest expense | $5,538,000 | 335 |
| Pre-tax net operating income | $6,168,000 | 405 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $2,130,000 | 360 |
| Income before extraordinary items | $4,038,000 | 467 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $4,038,000 | 467 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $4,038,000 | 467 |
| Net charge-offs | $100,000 | 1,117 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $130,000 | 232 |
| Net operating income | $4,038,000 | 445 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $71,412,000 | 376 |
| Total interest expense | $8,264,000 | 336 |
| Net interest income | $63,148,000 | 379 |
| Provision for loan and lease losses | $1,569,000 | 581 |
| Total noninterest income | $25,293,000 | 323 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $6,187,000 | 258 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $19,106,000 | 279 |
| Total noninterest expense | $76,064,000 | 313 |
| Salaries and employee benefits | $44,831,000 | 270 |
| Premises and equipment expense | $8,911,000 | 299 |
| Additional noninterest expense | $22,322,000 | 341 |
| Pre-tax net operating income | $10,808,000 | 775 |
| Securities gains (losses) | $956,000 | 229 |
| Applicable income taxes | $3,573,000 | 636 |
| Income before extraordinary items | $8,191,000 | 808 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $8,191,000 | 807 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $8,191,000 | 807 |
| Net charge-offs | $490,000 | 1,478 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $663,000 | 261 |
| Net operating income | $7,521,800 | 857 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $51,740,000 | 384 |
| Total interest expense | $6,068,000 | 340 |
| Net interest income | $45,672,000 | 388 |
| Provision for loan and lease losses | $1,284,000 | 531 |
| Total noninterest income | $15,958,000 | 367 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $4,558,000 | 260 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $11,400,000 | 327 |
| Total noninterest expense | $53,200,000 | 327 |
| Salaries and employee benefits | $30,272,000 | 298 |
| Premises and equipment expense | $6,351,000 | 314 |
| Additional noninterest expense | $16,577,000 | 340 |
| Pre-tax net operating income | $7,146,000 | 882 |
| Securities gains (losses) | $766,000 | 197 |
| Applicable income taxes | $2,393,000 | 702 |
| Income before extraordinary items | $5,519,000 | 899 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $5,519,000 | 898 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $5,519,000 | 898 |
| Net charge-offs | $323,000 | 1,535 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $490,000 | 232 |
| Net operating income | $4,982,800 | 978 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $33,765,000 | 388 |
| Total interest expense | $4,020,000 | 343 |
| Net interest income | $29,745,000 | 390 |
| Provision for loan and lease losses | $644,000 | 683 |
| Total noninterest income | $8,287,000 | 429 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $2,946,000 | 263 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $5,341,000 | 425 |
| Total noninterest expense | $32,794,000 | 346 |
| Salaries and employee benefits | $18,890,000 | 311 |
| Premises and equipment expense | $4,131,000 | 324 |
| Additional noninterest expense | $9,773,000 | 366 |
| Pre-tax net operating income | $4,594,000 | 889 |
| Securities gains (losses) | $138,000 | 626 |
| Applicable income taxes | $1,337,000 | 773 |
| Income before extraordinary items | $3,395,000 | 960 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $3,395,000 | 961 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $3,395,000 | 961 |
| Net charge-offs | $142,000 | 1,881 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $340,000 | 212 |
| Net operating income | $3,295,640 | 967 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $15,954,000 | 400 |
| Total interest expense | $1,983,000 | 348 |
| Net interest income | $13,971,000 | 404 |
| Provision for loan and lease losses | $170,000 | 1,116 |
| Total noninterest income | $3,425,000 | 495 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $1,443,000 | 261 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $1,982,000 | 512 |
| Total noninterest expense | $15,224,000 | 370 |
| Salaries and employee benefits | $8,580,000 | 342 |
| Premises and equipment expense | $1,986,000 | 348 |
| Additional noninterest expense | $4,658,000 | 385 |
| Pre-tax net operating income | $2,002,000 | 972 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $540,000 | 884 |
| Income before extraordinary items | $1,462,000 | 1,075 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,462,000 | 1,076 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $1,462,000 | 1,076 |
| Net charge-offs | $-20,000 | 6,041 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $138,000 | 219 |
| Net operating income | $1,462,000 | 1,052 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $65,651,000 | 391 |
| Total interest expense | $7,385,000 | 427 |
| Net interest income | $58,266,000 | 388 |
| Provision for loan and lease losses | $1,735,000 | 698 |
| Total noninterest income | $18,621,000 | 433 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $5,670,000 | 284 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $12,951,000 | 401 |
| Total noninterest expense | $58,294,000 | 376 |
| Salaries and employee benefits | $31,445,000 | 369 |
| Premises and equipment expense | $7,306,000 | 360 |
| Additional noninterest expense | $19,543,000 | 388 |
| Pre-tax net operating income | $16,858,000 | 495 |
| Securities gains (losses) | $85,000 | 1,444 |
| Applicable income taxes | $5,036,000 | 455 |
| Income before extraordinary items | $11,907,000 | 557 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $11,907,000 | 556 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $11,907,000 | 558 |
| Net charge-offs | $1,840,000 | 805 |
| Cash dividends | $3,710,000 | 741 |
| Sale, conversion, retirement of capital stock, net | $654,000 | 260 |
| Net operating income | $11,847,500 | 546 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $47,536,000 | 403 |
| Total interest expense | $5,523,000 | 440 |
| Net interest income | $42,013,000 | 401 |
| Provision for loan and lease losses | $1,503,000 | 641 |
| Total noninterest income | $13,902,000 | 444 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $4,028,000 | 292 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $9,874,000 | 405 |
| Total noninterest expense | $42,657,000 | 385 |
| Salaries and employee benefits | $22,723,000 | 381 |
| Premises and equipment expense | $5,399,000 | 364 |
| Additional noninterest expense | $14,535,000 | 388 |
| Pre-tax net operating income | $11,755,000 | 527 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $3,462,000 | 496 |
| Income before extraordinary items | $8,293,000 | 604 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $8,293,000 | 605 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $8,293,000 | 606 |
| Net charge-offs | $1,669,000 | 683 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $499,000 | 231 |
| Net operating income | $8,293,000 | 586 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $33,158,000 | 390 |
| Total interest expense | $3,688,000 | 445 |
| Net interest income | $29,470,000 | 384 |
| Provision for loan and lease losses | $1,153,000 | 603 |
| Total noninterest income | $9,108,000 | 454 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $2,451,000 | 309 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $6,657,000 | 417 |
| Total noninterest expense | $27,650,000 | 399 |
| Salaries and employee benefits | $14,615,000 | 394 |
| Premises and equipment expense | $3,477,000 | 374 |
| Additional noninterest expense | $9,558,000 | 390 |
| Pre-tax net operating income | $9,775,000 | 446 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $2,912,000 | 422 |
| Income before extraordinary items | $6,863,000 | 495 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $6,863,000 | 494 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $6,863,000 | 497 |
| Net charge-offs | $1,166,000 | 685 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $332,000 | 210 |
| Net operating income | $6,863,000 | 475 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $15,048,000 | 422 |
| Total interest expense | $1,801,000 | 474 |
| Net interest income | $13,247,000 | 421 |
| Provision for loan and lease losses | $485,000 | 714 |
| Total noninterest income | $5,799,000 | 387 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $1,154,000 | 318 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $4,645,000 | 318 |
| Total noninterest expense | $12,602,000 | 438 |
| Salaries and employee benefits | $6,430,000 | 445 |
| Premises and equipment expense | $1,657,000 | 390 |
| Additional noninterest expense | $4,515,000 | 409 |
| Pre-tax net operating income | $5,959,000 | 376 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $1,921,000 | 355 |
| Income before extraordinary items | $4,038,000 | 422 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $4,038,000 | 423 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $4,038,000 | 423 |
| Net charge-offs | $440,000 | 836 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $169,000 | 178 |
| Net operating income | $4,038,000 | 405 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $54,738,000 | 478 |
| Total interest expense | $7,613,000 | 554 |
| Net interest income | $47,125,000 | 475 |
| Provision for loan and lease losses | $5,930,000 | 442 |
| Total noninterest income | $10,938,000 | 640 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $4,748,000 | 324 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $6,190,000 | 701 |
| Total noninterest expense | $44,610,000 | 490 |
| Salaries and employee benefits | $23,543,000 | 463 |
| Premises and equipment expense | $5,594,000 | 443 |
| Additional noninterest expense | $15,473,000 | 491 |
| Pre-tax net operating income | $7,523,000 | 952 |
| Securities gains (losses) | $2,838,000 | 185 |
| Applicable income taxes | $2,941,000 | 624 |
| Income before extraordinary items | $7,420,000 | 800 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $7,420,000 | 799 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $7,420,000 | 800 |
| Net charge-offs | $4,364,000 | 634 |
| Cash dividends | $2,186,000 | 1,146 |
| Sale, conversion, retirement of capital stock, net | $662,000 | 270 |
| Net operating income | $5,376,640 | 1,043 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $38,387,000 | 513 |
| Total interest expense | $5,790,000 | 573 |
| Net interest income | $32,597,000 | 509 |
| Provision for loan and lease losses | $3,425,000 | 559 |
| Total noninterest income | $9,433,000 | 563 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $3,441,000 | 338 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $5,992,000 | 577 |
| Total noninterest expense | $32,906,000 | 493 |
| Salaries and employee benefits | $17,376,000 | 467 |
| Premises and equipment expense | $4,010,000 | 455 |
| Additional noninterest expense | $11,520,000 | 490 |
| Pre-tax net operating income | $5,699,000 | 952 |
| Securities gains (losses) | $1,554,000 | 263 |
| Applicable income taxes | $2,447,000 | 595 |
| Income before extraordinary items | $4,806,000 | 964 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $4,806,000 | 965 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $4,806,000 | 964 |
| Net charge-offs | $2,389,000 | 807 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $497,000 | 242 |
| Net operating income | $3,780,360 | 1,125 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $23,735,000 | 567 |
| Total interest expense | $3,854,000 | 597 |
| Net interest income | $19,881,000 | 559 |
| Provision for loan and lease losses | $1,491,000 | 807 |
| Total noninterest income | $6,616,000 | 538 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $2,156,000 | 357 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,460,000 | 513 |
| Total noninterest expense | $21,264,000 | 507 |
| Salaries and employee benefits | $10,995,000 | 477 |
| Premises and equipment expense | $2,704,000 | 449 |
| Additional noninterest expense | $7,565,000 | 485 |
| Pre-tax net operating income | $3,742,000 | 957 |
| Securities gains (losses) | $70,000 | 1,836 |
| Applicable income taxes | $1,175,000 | 776 |
| Income before extraordinary items | $2,637,000 | 1,140 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,637,000 | 1,140 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,637,000 | 1,140 |
| Net charge-offs | $886,000 | 1,244 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $327,000 | 217 |
| Net operating income | $2,588,700 | 1,089 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $11,659,000 | 578 |
| Total interest expense | $1,936,000 | 617 |
| Net interest income | $9,723,000 | 573 |
| Provision for loan and lease losses | $400,000 | 1,246 |
| Total noninterest income | $2,813,000 | 622 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $1,020,000 | 371 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,793,000 | 598 |
| Total noninterest expense | $10,668,000 | 495 |
| Salaries and employee benefits | $5,536,000 | 477 |
| Premises and equipment expense | $1,318,000 | 455 |
| Additional noninterest expense | $3,814,000 | 477 |
| Pre-tax net operating income | $1,468,000 | 1,192 |
| Securities gains (losses) | $42,000 | 1,300 |
| Applicable income taxes | $414,000 | 1,043 |
| Income before extraordinary items | $1,096,000 | 1,319 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,096,000 | 1,320 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,096,000 | 1,320 |
| Net charge-offs | $265,000 | 1,596 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $166,000 | 177 |
| Net operating income | $1,065,340 | 1,291 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $39,434,000 | 708 |
| Total interest expense | $10,350,000 | 549 |
| Net interest income | $29,084,000 | 752 |
| Provision for loan and lease losses | $2,895,000 | 1,226 |
| Total noninterest income | $16,398,000 | 434 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $4,777,000 | 331 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $11,621,000 | 386 |
| Total noninterest expense | $37,400,000 | 546 |
| Salaries and employee benefits | $20,393,000 | 484 |
| Premises and equipment expense | $4,245,000 | 595 |
| Additional noninterest expense | $12,762,000 | 571 |
| Pre-tax net operating income | $5,187,000 | 1,144 |
| Securities gains (losses) | $640,000 | 654 |
| Applicable income taxes | $1,456,000 | 1,023 |
| Income before extraordinary items | $4,371,000 | 1,149 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,371,000 | 1,149 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $4,371,000 | 1,149 |
| Net charge-offs | $3,699,000 | 1,040 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $3,891,000 | 1,210 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $27,867,000 | 781 |
| Total interest expense | $7,992,000 | 558 |
| Net interest income | $19,875,000 | 831 |
| Provision for loan and lease losses | $2,300,000 | 1,126 |
| Total noninterest income | $13,076,000 | 416 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $3,541,000 | 334 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $9,535,000 | 353 |
| Total noninterest expense | $26,934,000 | 560 |
| Salaries and employee benefits | $14,635,000 | 498 |
| Premises and equipment expense | $2,942,000 | 644 |
| Additional noninterest expense | $9,357,000 | 576 |
| Pre-tax net operating income | $3,717,000 | 1,235 |
| Securities gains (losses) | $666,000 | 505 |
| Applicable income taxes | $1,431,000 | 820 |
| Income before extraordinary items | $2,952,000 | 1,313 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,952,000 | 1,313 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,952,000 | 1,313 |
| Net charge-offs | $3,662,000 | 806 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $7,351,000 | 75 |
| Net operating income | $2,505,780 | 1,438 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $17,718,000 | 820 |
| Total interest expense | $5,257,000 | 590 |
| Net interest income | $12,461,000 | 891 |
| Provision for loan and lease losses | $1,300,000 | 1,266 |
| Total noninterest income | $7,014,000 | 485 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $2,274,000 | 346 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,740,000 | 444 |
| Total noninterest expense | $17,012,000 | 597 |
| Salaries and employee benefits | $9,251,000 | 525 |
| Premises and equipment expense | $1,748,000 | 728 |
| Additional noninterest expense | $6,013,000 | 614 |
| Pre-tax net operating income | $1,163,000 | 2,286 |
| Securities gains (losses) | $453,000 | 391 |
| Applicable income taxes | $562,000 | 1,219 |
| Income before extraordinary items | $1,054,000 | 2,186 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,054,000 | 2,186 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,054,000 | 2,186 |
| Net charge-offs | $2,816,000 | 729 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $294,000 | 273 |
| Net operating income | $759,550 | 2,675 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $8,615,000 | 847 |
| Total interest expense | $2,591,000 | 624 |
| Net interest income | $6,024,000 | 925 |
| Provision for loan and lease losses | $600,000 | 1,247 |
| Total noninterest income | $4,439,000 | 403 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $1,051,000 | 368 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $3,388,000 | 348 |
| Total noninterest expense | $7,741,000 | 658 |
| Salaries and employee benefits | $4,328,000 | 564 |
| Premises and equipment expense | $790,000 | 830 |
| Additional noninterest expense | $2,623,000 | 690 |
| Pre-tax net operating income | $2,122,000 | 744 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $745,000 | 550 |
| Income before extraordinary items | $1,377,000 | 884 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,377,000 | 883 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,377,000 | 884 |
| Net charge-offs | $2,563,000 | 463 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $136,000 | 235 |
| Net operating income | $1,377,000 | 861 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $28,400,000 | 1,086 |
| Total interest expense | $8,274,000 | 1,010 |
| Net interest income | $20,126,000 | 1,111 |
| Provision for loan and lease losses | $5,500,000 | 1,064 |
| Total noninterest income | $12,215,000 | 553 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $4,113,000 | 378 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $8,102,000 | 530 |
| Total noninterest expense | $25,290,000 | 791 |
| Salaries and employee benefits | $12,676,000 | 767 |
| Premises and equipment expense | $2,616,000 | 983 |
| Additional noninterest expense | $9,998,000 | 751 |
| Pre-tax net operating income | $1,551,000 | 2,678 |
| Securities gains (losses) | $294,000 | 1,282 |
| Applicable income taxes | $-58,000 | 6,740 |
| Income before extraordinary items | $1,903,000 | 2,119 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,903,000 | 2,120 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,903,000 | 2,121 |
| Net charge-offs | $3,459,000 | 1,343 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $31,351,000 | 34 |
| Net operating income | $1,609,000 | 2,286 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $20,674,000 | 1,137 |
| Total interest expense | $6,487,000 | 998 |
| Net interest income | $14,187,000 | 1,196 |
| Provision for loan and lease losses | $2,100,000 | 1,602 |
| Total noninterest income | $6,364,000 | 697 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $2,918,000 | 399 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $3,446,000 | 744 |
| Total noninterest expense | $18,286,000 | 804 |
| Salaries and employee benefits | $8,985,000 | 815 |
| Premises and equipment expense | $1,849,000 | 1,065 |
| Additional noninterest expense | $7,452,000 | 730 |
| Pre-tax net operating income | $165,000 | 5,374 |
| Securities gains (losses) | $230,000 | 1,265 |
| Applicable income taxes | $-429,000 | 7,341 |
| Income before extraordinary items | $824,000 | 3,228 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $824,000 | 3,226 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $824,000 | 3,228 |
| Net charge-offs | $1,626,000 | 1,704 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $463,000 | 383 |
| Net operating income | $594,000 | 3,658 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $13,286,000 | 1,199 |
| Total interest expense | $4,197,000 | 1,066 |
| Net interest income | $9,089,000 | 1,257 |
| Provision for loan and lease losses | $1,150,000 | 1,796 |
| Total noninterest income | $3,965,000 | 730 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,806,000 | 420 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $2,159,000 | 758 |
| Total noninterest expense | $10,694,000 | 931 |
| Salaries and employee benefits | $5,539,000 | 880 |
| Premises and equipment expense | $1,129,000 | 1,175 |
| Additional noninterest expense | $4,026,000 | 889 |
| Pre-tax net operating income | $1,210,000 | 2,048 |
| Securities gains (losses) | $160,000 | 1,090 |
| Applicable income taxes | $209,000 | 2,080 |
| Income before extraordinary items | $1,161,000 | 1,860 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,161,000 | 1,859 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,161,000 | 1,860 |
| Net charge-offs | $1,183,000 | 1,575 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $302,000 | 324 |
| Net operating income | $1,025,000 | 1,987 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $6,439,000 | 1,257 |
| Total interest expense | $2,038,000 | 1,156 |
| Net interest income | $4,401,000 | 1,310 |
| Provision for loan and lease losses | $500,000 | 1,815 |
| Total noninterest income | $1,897,000 | 752 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $824,000 | 461 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,073,000 | 747 |
| Total noninterest expense | $4,748,000 | 1,046 |
| Salaries and employee benefits | $2,565,000 | 958 |
| Premises and equipment expense | $555,000 | 1,220 |
| Additional noninterest expense | $1,628,000 | 1,073 |
| Pre-tax net operating income | $1,050,000 | 1,249 |
| Securities gains (losses) | $152,000 | 618 |
| Applicable income taxes | $290,000 | 1,079 |
| Income before extraordinary items | $912,000 | 1,195 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $912,000 | 1,197 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $912,000 | 1,197 |
| Net charge-offs | $744,000 | 1,271 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $158,000 | 248 |
| Net operating income | $796,480 | 1,337 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $23,299,000 | 1,472 |
| Total interest expense | $8,793,000 | 1,362 |
| Net interest income | $14,506,000 | 1,549 |
| Provision for loan and lease losses | $7,500,000 | 1,078 |
| Total noninterest income | $5,954,000 | 951 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $3,547,000 | 466 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,407,000 | 1,208 |
| Total noninterest expense | $16,632,000 | 1,250 |
| Salaries and employee benefits | $8,899,000 | 1,103 |
| Premises and equipment expense | $2,156,000 | 1,267 |
| Additional noninterest expense | $5,577,000 | 1,345 |
| Pre-tax net operating income | $-3,672,000 | 7,013 |
| Securities gains (losses) | $872,000 | 554 |
| Applicable income taxes | $-1,493,000 | 7,421 |
| Income before extraordinary items | $-1,307,000 | 6,499 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,307,000 | 6,499 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,307,000 | 6,499 |
| Net charge-offs | $6,391,000 | 957 |
| Cash dividends | $1,000,000 | 1,619 |
| Sale, conversion, retirement of capital stock, net | $618,000 | 501 |
| Net operating income | $-1,865,080 | 6,698 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $17,473,000 | 1,501 |
| Total interest expense | $6,880,000 | 1,368 |
| Net interest income | $10,593,000 | 1,584 |
| Provision for loan and lease losses | $3,800,000 | 1,275 |
| Total noninterest income | $4,709,000 | 925 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $2,595,000 | 485 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $2,114,000 | 1,108 |
| Total noninterest expense | $12,377,000 | 1,246 |
| Salaries and employee benefits | $6,720,000 | 1,103 |
| Premises and equipment expense | $1,641,000 | 1,257 |
| Additional noninterest expense | $4,016,000 | 1,356 |
| Pre-tax net operating income | $-875,000 | 6,586 |
| Securities gains (losses) | $798,000 | 467 |
| Applicable income taxes | $-428,000 | 7,302 |
| Income before extraordinary items | $351,000 | 4,222 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $351,000 | 4,217 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $351,000 | 4,220 |
| Net charge-offs | $723,000 | 2,599 |
| Cash dividends | $1,000,000 | 1,238 |
| Sale, conversion, retirement of capital stock, net | $508,000 | 428 |
| Net operating income | $-159,720 | 6,037 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $11,796,000 | 1,518 |
| Total interest expense | $4,900,000 | 1,354 |
| Net interest income | $6,896,000 | 1,638 |
| Provision for loan and lease losses | $1,300,000 | 1,775 |
| Total noninterest income | $3,014,000 | 963 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,645,000 | 507 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,369,000 | 1,165 |
| Total noninterest expense | $8,184,000 | 1,278 |
| Salaries and employee benefits | $4,424,000 | 1,141 |
| Premises and equipment expense | $1,116,000 | 1,258 |
| Additional noninterest expense | $2,644,000 | 1,408 |
| Pre-tax net operating income | $426,000 | 3,580 |
| Securities gains (losses) | $329,000 | 705 |
| Applicable income taxes | $43,000 | 3,253 |
| Income before extraordinary items | $712,000 | 2,455 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $712,000 | 2,453 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $712,000 | 2,455 |
| Net charge-offs | $504,000 | 2,347 |
| Cash dividends | $1,000,000 | 886 |
| Sale, conversion, retirement of capital stock, net | $331,000 | 403 |
| Net operating income | $402,740 | 3,355 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,074,000 | 1,491 |
| Total interest expense | $2,572,000 | 1,340 |
| Net interest income | $3,502,000 | 1,599 |
| Provision for loan and lease losses | $800,000 | 1,336 |
| Total noninterest income | $1,575,000 | 903 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $808,000 | 503 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $767,000 | 1,049 |
| Total noninterest expense | $3,883,000 | 1,289 |
| Salaries and employee benefits | $2,198,000 | 1,151 |
| Premises and equipment expense | $560,000 | 1,273 |
| Additional noninterest expense | $1,125,000 | 1,445 |
| Pre-tax net operating income | $394,000 | 2,827 |
| Securities gains (losses) | $21,000 | 1,659 |
| Applicable income taxes | $-57,000 | 7,448 |
| Income before extraordinary items | $472,000 | 2,243 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $472,000 | 2,243 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $472,000 | 2,245 |
| Net charge-offs | $316,000 | 1,727 |
| Cash dividends | $1,000,000 | 426 |
| Sale, conversion, retirement of capital stock, net | $146,000 | 312 |
| Net operating income | $451,000 | 2,196 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $26,836,000 | 1,446 |
| Total interest expense | $12,493,000 | 1,306 |
| Net interest income | $14,343,000 | 1,562 |
| Provision for loan and lease losses | $3,350,000 | 1,295 |
| Total noninterest income | $7,085,000 | 792 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $3,958,000 | 440 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $3,127,000 | 933 |
| Total noninterest expense | $16,262,000 | 1,203 |
| Salaries and employee benefits | $8,988,000 | 1,096 |
| Premises and equipment expense | $2,398,000 | 1,157 |
| Additional noninterest expense | $4,876,000 | 1,294 |
| Pre-tax net operating income | $1,816,000 | 2,654 |
| Securities gains (losses) | $-2,114,000 | 7,911 |
| Applicable income taxes | $-787,000 | 7,632 |
| Income before extraordinary items | $489,000 | 4,495 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $489,000 | 4,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,815,000 | 1,053 |
| Cash dividends | $1,572,000 | 1,673 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,841,960 | 2,266 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $20,361,000 | 1,460 |
| Total interest expense | $9,361,000 | 1,361 |
| Net interest income | $11,000,000 | 1,540 |
| Provision for loan and lease losses | $2,400,000 | 1,047 |
| Total noninterest income | $5,392,000 | 818 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $2,950,000 | 449 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,442,000 | 951 |
| Total noninterest expense | $12,357,000 | 1,181 |
| Salaries and employee benefits | $6,879,000 | 1,100 |
| Premises and equipment expense | $1,768,000 | 1,176 |
| Additional noninterest expense | $3,710,000 | 1,233 |
| Pre-tax net operating income | $1,635,000 | 2,669 |
| Securities gains (losses) | $-2,139,000 | 8,070 |
| Applicable income taxes | $-727,000 | 7,968 |
| Income before extraordinary items | $223,000 | 5,577 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $223,000 | 5,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,610,000 | 966 |
| Cash dividends | $1,572,000 | 1,261 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,591,960 | 2,319 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $13,680,000 | 1,476 |
| Total interest expense | $6,388,000 | 1,383 |
| Net interest income | $7,292,000 | 1,532 |
| Provision for loan and lease losses | $1,182,000 | 1,109 |
| Total noninterest income | $3,746,000 | 798 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,903,000 | 450 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,843,000 | 898 |
| Total noninterest expense | $8,186,000 | 1,187 |
| Salaries and employee benefits | $4,525,000 | 1,131 |
| Premises and equipment expense | $1,174,000 | 1,174 |
| Additional noninterest expense | $2,487,000 | 1,195 |
| Pre-tax net operating income | $1,670,000 | 1,991 |
| Securities gains (losses) | $20,000 | 2,041 |
| Applicable income taxes | $357,000 | 1,998 |
| Income before extraordinary items | $1,333,000 | 1,993 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,333,000 | 1,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,490,000 | 660 |
| Cash dividends | $1,572,000 | 954 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,317,200 | 1,977 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,925,000 | 1,488 |
| Total interest expense | $3,344,000 | 1,411 |
| Net interest income | $3,581,000 | 1,557 |
| Provision for loan and lease losses | $400,000 | 1,144 |
| Total noninterest income | $1,754,000 | 840 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $927,000 | 451 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $827,000 | 979 |
| Total noninterest expense | $4,152,000 | 1,169 |
| Salaries and employee benefits | $2,301,000 | 1,122 |
| Premises and equipment expense | $608,000 | 1,148 |
| Additional noninterest expense | $1,243,000 | 1,160 |
| Pre-tax net operating income | $783,000 | 2,194 |
| Securities gains (losses) | $12,000 | 1,897 |
| Applicable income taxes | $158,000 | 2,257 |
| Income before extraordinary items | $637,000 | 2,199 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $637,000 | 2,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 1,846 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $627,400 | 2,152 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $27,474,000 | 1,564 |
| Total interest expense | $13,461,000 | 1,491 |
| Net interest income | $14,013,000 | 1,611 |
| Provision for loan and lease losses | $1,178,000 | 1,260 |
| Total noninterest income | $7,047,000 | 827 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $3,929,000 | 443 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,118,000 | 981 |
| Total noninterest expense | $17,009,000 | 1,100 |
| Salaries and employee benefits | $10,321,000 | 966 |
| Premises and equipment expense | $2,130,000 | 1,245 |
| Additional noninterest expense | $4,558,000 | 1,233 |
| Pre-tax net operating income | $2,873,000 | 2,556 |
| Securities gains (losses) | $-355,000 | 8,326 |
| Applicable income taxes | $-625,000 | 8,351 |
| Income before extraordinary items | $3,143,000 | 1,967 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,143,000 | 1,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $838,000 | 1,170 |
| Cash dividends | $1,200,000 | 2,329 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,498,000 | 1,793 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $20,420,000 | 1,586 |
| Total interest expense | $9,969,000 | 1,514 |
| Net interest income | $10,451,000 | 1,627 |
| Provision for loan and lease losses | $553,000 | 1,435 |
| Total noninterest income | $5,203,000 | 834 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,836,000 | 458 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,367,000 | 974 |
| Total noninterest expense | $13,042,000 | 1,067 |
| Salaries and employee benefits | $8,124,000 | 910 |
| Premises and equipment expense | $1,577,000 | 1,256 |
| Additional noninterest expense | $3,341,000 | 1,227 |
| Pre-tax net operating income | $2,059,000 | 2,777 |
| Securities gains (losses) | $-49,000 | 8,175 |
| Applicable income taxes | $-645,000 | 8,470 |
| Income before extraordinary items | $2,655,000 | 1,898 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,655,000 | 1,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 2,469 |
| Cash dividends | $1,200,000 | 1,769 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,704,000 | 1,854 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $13,318,000 | 1,639 |
| Total interest expense | $6,440,000 | 1,561 |
| Net interest income | $6,878,000 | 1,669 |
| Provision for loan and lease losses | $495,000 | 1,045 |
| Total noninterest income | $3,325,000 | 898 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,775,000 | 488 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,550,000 | 1,020 |
| Total noninterest expense | $7,848,000 | 1,206 |
| Salaries and employee benefits | $4,654,000 | 1,094 |
| Premises and equipment expense | $1,050,000 | 1,273 |
| Additional noninterest expense | $2,144,000 | 1,290 |
| Pre-tax net operating income | $1,860,000 | 2,289 |
| Securities gains (losses) | $-28,000 | 8,197 |
| Applicable income taxes | $483,000 | 2,112 |
| Income before extraordinary items | $1,349,000 | 2,401 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,349,000 | 2,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 2,686 |
| Cash dividends | $1,200,000 | 1,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,369,720 | 2,357 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,451,000 | 1,672 |
| Total interest expense | $3,096,000 | 1,614 |
| Net interest income | $3,355,000 | 1,721 |
| Provision for loan and lease losses | $158,000 | 1,378 |
| Total noninterest income | $1,617,000 | 893 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $835,000 | 501 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $782,000 | 1,004 |
| Total noninterest expense | $3,725,000 | 1,255 |
| Salaries and employee benefits | $2,283,000 | 1,129 |
| Premises and equipment expense | $527,000 | 1,281 |
| Additional noninterest expense | $915,000 | 1,463 |
| Pre-tax net operating income | $1,089,000 | 2,020 |
| Securities gains (losses) | $-29,000 | 8,420 |
| Applicable income taxes | $312,000 | 1,810 |
| Income before extraordinary items | $748,000 | 2,186 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $748,000 | 2,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 1,734 |
| Cash dividends | $1,200,000 | 688 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $768,590 | 2,127 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $21,949,000 | 1,839 |
| Total interest expense | $8,374,000 | 1,968 |
| Net interest income | $13,575,000 | 1,687 |
| Provision for loan and lease losses | $695,000 | 1,427 |
| Total noninterest income | $5,613,000 | 999 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $3,159,000 | 542 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,454,000 | 1,152 |
| Total noninterest expense | $15,206,000 | 1,185 |
| Salaries and employee benefits | $8,721,000 | 1,110 |
| Premises and equipment expense | $2,118,000 | 1,208 |
| Additional noninterest expense | $4,367,000 | 1,223 |
| Pre-tax net operating income | $3,287,000 | 2,613 |
| Securities gains (losses) | $-55,000 | 7,979 |
| Applicable income taxes | $793,000 | 2,490 |
| Income before extraordinary items | $2,439,000 | 2,670 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,439,000 | 2,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 1,974 |
| Cash dividends | $1,600,000 | 1,838 |
| Sale, conversion, retirement of capital stock, net | $525,000 | 593 |
| Net operating income | $2,480,250 | 2,622 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $15,874,000 | 1,887 |
| Total interest expense | $5,739,000 | 2,072 |
| Net interest income | $10,135,000 | 1,714 |
| Provision for loan and lease losses | $695,000 | 1,061 |
| Total noninterest income | $4,077,000 | 1,038 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $2,223,000 | 579 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,854,000 | 1,161 |
| Total noninterest expense | $11,162,000 | 1,226 |
| Salaries and employee benefits | $6,383,000 | 1,159 |
| Premises and equipment expense | $1,633,000 | 1,187 |
| Additional noninterest expense | $3,146,000 | 1,275 |
| Pre-tax net operating income | $2,355,000 | 2,788 |
| Securities gains (losses) | $-7,000 | 7,492 |
| Applicable income taxes | $746,000 | 2,304 |
| Income before extraordinary items | $1,602,000 | 3,061 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,602,000 | 3,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 1,893 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $340,000 | 503 |
| Net operating income | $1,606,760 | 3,042 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,242,000 | 1,908 |
| Total interest expense | $3,541,000 | 2,109 |
| Net interest income | $6,701,000 | 1,731 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $2,551,000 | 1,089 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,312,000 | 657 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,239,000 | 1,165 |
| Total noninterest expense | $7,099,000 | 1,286 |
| Salaries and employee benefits | $4,102,000 | 1,215 |
| Premises and equipment expense | $1,099,000 | 1,172 |
| Additional noninterest expense | $1,898,000 | 1,402 |
| Pre-tax net operating income | $2,093,000 | 2,229 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $671,000 | 1,900 |
| Income before extraordinary items | $1,422,000 | 2,445 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,422,000 | 2,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 1,585 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $108,000 | 528 |
| Net operating income | $1,422,000 | 2,428 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,019,000 | 1,904 |
| Total interest expense | $1,703,000 | 2,090 |
| Net interest income | $3,316,000 | 1,732 |
| Provision for loan and lease losses | $90,000 | 2,132 |
| Total noninterest income | $1,213,000 | 1,115 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $612,000 | 681 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $601,000 | 1,170 |
| Total noninterest expense | $3,595,000 | 1,277 |
| Salaries and employee benefits | $2,111,000 | 1,176 |
| Premises and equipment expense | $582,000 | 1,106 |
| Additional noninterest expense | $902,000 | 1,462 |
| Pre-tax net operating income | $844,000 | 2,606 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $284,000 | 2,088 |
| Income before extraordinary items | $560,000 | 2,892 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $560,000 | 2,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 1,331 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $560,000 | 2,876 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $18,892,000 | 1,788 |
| Total interest expense | $5,933,000 | 1,899 |
| Net interest income | $12,959,000 | 1,693 |
| Provision for loan and lease losses | $1,015,000 | 1,030 |
| Total noninterest income | $5,353,000 | 1,036 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $3,108,000 | 543 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,245,000 | 1,244 |
| Total noninterest expense | $13,101,000 | 1,323 |
| Salaries and employee benefits | $7,327,000 | 1,262 |
| Premises and equipment expense | $2,548,000 | 941 |
| Additional noninterest expense | $3,226,000 | 1,585 |
| Pre-tax net operating income | $4,196,000 | 2,146 |
| Securities gains (losses) | $8,000 | 1,546 |
| Applicable income taxes | $1,228,000 | 1,969 |
| Income before extraordinary items | $2,976,000 | 2,261 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,976,000 | 2,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $362,000 | 1,521 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $16,259,000 | 99 |
| Net operating income | $2,970,320 | 2,227 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,945,000 | 1,761 |
| Total interest expense | $4,358,000 | 1,839 |
| Net interest income | $9,587,000 | 1,699 |
| Provision for loan and lease losses | $715,000 | 1,041 |
| Total noninterest income | $4,044,000 | 1,035 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,332,000 | 541 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,712,000 | 1,227 |
| Total noninterest expense | $9,328,000 | 1,368 |
| Salaries and employee benefits | $5,133,000 | 1,347 |
| Premises and equipment expense | $1,955,000 | 902 |
| Additional noninterest expense | $2,240,000 | 1,674 |
| Pre-tax net operating income | $3,588,000 | 1,952 |
| Securities gains (losses) | $8,000 | 1,553 |
| Applicable income taxes | $1,146,000 | 1,707 |
| Income before extraordinary items | $2,450,000 | 2,101 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,450,000 | 2,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 1,496 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $16,259,000 | 72 |
| Net operating income | $2,444,560 | 2,068 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,055,000 | 1,764 |
| Total interest expense | $2,882,000 | 1,756 |
| Net interest income | $6,173,000 | 1,739 |
| Provision for loan and lease losses | $465,000 | 1,037 |
| Total noninterest income | $2,652,000 | 1,037 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,473,000 | 563 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,179,000 | 1,197 |
| Total noninterest expense | $6,215,000 | 1,365 |
| Salaries and employee benefits | $3,356,000 | 1,366 |
| Premises and equipment expense | $1,364,000 | 855 |
| Additional noninterest expense | $1,495,000 | 1,653 |
| Pre-tax net operating income | $2,145,000 | 2,074 |
| Securities gains (losses) | $10,000 | 1,355 |
| Applicable income taxes | $679,000 | 1,827 |
| Income before extraordinary items | $1,476,000 | 2,262 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,476,000 | 2,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 1,482 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,469,200 | 2,235 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,442,000 | 1,755 |
| Total interest expense | $1,437,000 | 1,666 |
| Net interest income | $3,005,000 | 1,776 |
| Provision for loan and lease losses | $100,000 | 2,031 |
| Total noninterest income | $1,404,000 | 955 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $661,000 | 606 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $743,000 | 1,002 |
| Total noninterest expense | $3,185,000 | 1,339 |
| Salaries and employee benefits | $1,871,000 | 1,228 |
| Premises and equipment expense | $684,000 | 862 |
| Additional noninterest expense | $630,000 | 1,949 |
| Pre-tax net operating income | $1,124,000 | 1,968 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $353,000 | 1,758 |
| Income before extraordinary items | $771,000 | 2,149 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $771,000 | 2,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 1,109 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $771,000 | 2,112 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $17,478,000 | 1,652 |
| Total interest expense | $4,899,000 | 1,669 |
| Net interest income | $12,579,000 | 1,621 |
| Provision for loan and lease losses | $200,000 | 3,677 |
| Total noninterest income | $5,720,000 | 967 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,720,000 | 607 |
| Total noninterest expense | $13,022,000 | 1,262 |
| Salaries and employee benefits | $7,425,000 | 1,166 |
| Premises and equipment expense | $2,454,000 | 913 |
| Additional noninterest expense | $3,143,000 | 1,560 |
| Pre-tax net operating income | $5,077,000 | 1,677 |
| Securities gains (losses) | $46,000 | 1,813 |
| Applicable income taxes | $1,590,000 | 1,538 |
| Income before extraordinary items | $3,533,000 | 1,796 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,533,000 | 1,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $738,000 | 960 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,501,260 | 1,768 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $13,112,000 | 1,638 |
| Total interest expense | $3,566,000 | 1,695 |
| Net interest income | $9,546,000 | 1,582 |
| Provision for loan and lease losses | $50,000 | 5,368 |
| Total noninterest income | $4,238,000 | 986 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,238,000 | 624 |
| Total noninterest expense | $9,753,000 | 1,260 |
| Salaries and employee benefits | $5,638,000 | 1,146 |
| Premises and equipment expense | $1,826,000 | 922 |
| Additional noninterest expense | $2,289,000 | 1,582 |
| Pre-tax net operating income | $3,981,000 | 1,620 |
| Securities gains (losses) | $46,000 | 1,731 |
| Applicable income taxes | $1,346,000 | 1,416 |
| Income before extraordinary items | $2,681,000 | 1,792 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,681,000 | 1,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 1,687 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,650,180 | 1,761 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,816,000 | 1,600 |
| Total interest expense | $2,386,000 | 1,670 |
| Net interest income | $6,430,000 | 1,547 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $2,721,000 | 1,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,721,000 | 651 |
| Total noninterest expense | $6,423,000 | 1,266 |
| Salaries and employee benefits | $3,734,000 | 1,169 |
| Premises and equipment expense | $1,180,000 | 969 |
| Additional noninterest expense | $1,509,000 | 1,598 |
| Pre-tax net operating income | $2,728,000 | 1,548 |
| Securities gains (losses) | $11,000 | 2,367 |
| Applicable income taxes | $926,000 | 1,364 |
| Income before extraordinary items | $1,813,000 | 1,748 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,813,000 | 1,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 1,721 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,805,740 | 1,702 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,451,000 | 1,589 |
| Total interest expense | $1,213,000 | 1,661 |
| Net interest income | $3,238,000 | 1,536 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $1,289,000 | 1,026 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,289,000 | 657 |
| Total noninterest expense | $3,272,000 | 1,244 |
| Salaries and employee benefits | $1,903,000 | 1,153 |
| Premises and equipment expense | $592,000 | 984 |
| Additional noninterest expense | $777,000 | 1,541 |
| Pre-tax net operating income | $1,255,000 | 1,657 |
| Securities gains (losses) | $11,000 | 2,005 |
| Applicable income taxes | $425,000 | 1,481 |
| Income before extraordinary items | $841,000 | 1,862 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $841,000 | 1,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 1,194 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $833,740 | 1,793 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $18,324,000 | 1,570 |
| Total interest expense | $5,867,000 | 1,519 |
| Net interest income | $12,457,000 | 1,567 |
| Provision for loan and lease losses | $650,000 | 1,734 |
| Total noninterest income | $4,783,000 | 1,177 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,783,000 | 793 |
| Total noninterest expense | $13,533,000 | 1,197 |
| Salaries and employee benefits | $7,862,000 | 1,074 |
| Premises and equipment expense | $2,511,000 | 890 |
| Additional noninterest expense | $3,160,000 | 1,561 |
| Pre-tax net operating income | $3,057,000 | 2,463 |
| Securities gains (losses) | $240,000 | 1,214 |
| Applicable income taxes | $1,031,000 | 2,134 |
| Income before extraordinary items | $2,266,000 | 2,594 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,266,000 | 2,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $560,000 | 1,473 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,100,400 | 2,628 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $13,757,000 | 1,595 |
| Total interest expense | $4,596,000 | 1,510 |
| Net interest income | $9,161,000 | 1,601 |
| Provision for loan and lease losses | $950,000 | 937 |
| Total noninterest income | $3,694,000 | 1,160 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,694,000 | 801 |
| Total noninterest expense | $10,259,000 | 1,187 |
| Salaries and employee benefits | $5,767,000 | 1,101 |
| Premises and equipment expense | $1,879,000 | 908 |
| Additional noninterest expense | $2,613,000 | 1,416 |
| Pre-tax net operating income | $1,646,000 | 3,303 |
| Securities gains (losses) | $240,000 | 1,116 |
| Applicable income taxes | $556,000 | 2,826 |
| Income before extraordinary items | $1,330,000 | 3,234 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,330,000 | 3,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $512,000 | 1,142 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,159,600 | 3,414 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,136,000 | 1,610 |
| Total interest expense | $3,169,000 | 1,514 |
| Net interest income | $5,967,000 | 1,632 |
| Provision for loan and lease losses | $900,000 | 691 |
| Total noninterest income | $2,433,000 | 1,173 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,433,000 | 798 |
| Total noninterest expense | $6,792,000 | 1,197 |
| Salaries and employee benefits | $3,831,000 | 1,109 |
| Premises and equipment expense | $1,212,000 | 942 |
| Additional noninterest expense | $1,749,000 | 1,417 |
| Pre-tax net operating income | $708,000 | 4,391 |
| Securities gains (losses) | $315,000 | 779 |
| Applicable income taxes | $279,000 | 3,364 |
| Income before extraordinary items | $744,000 | 3,690 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $744,000 | 3,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $453,000 | 904 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $514,050 | 4,521 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,494,000 | 1,648 |
| Total interest expense | $1,596,000 | 1,548 |
| Net interest income | $2,898,000 | 1,687 |
| Provision for loan and lease losses | $450,000 | 656 |
| Total noninterest income | $1,211,000 | 1,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,211,000 | 775 |
| Total noninterest expense | $3,357,000 | 1,200 |
| Salaries and employee benefits | $1,851,000 | 1,140 |
| Premises and equipment expense | $573,000 | 1,007 |
| Additional noninterest expense | $933,000 | 1,300 |
| Pre-tax net operating income | $302,000 | 4,774 |
| Securities gains (losses) | $77,000 | 1,141 |
| Applicable income taxes | $88,000 | 4,188 |
| Income before extraordinary items | $291,000 | 4,330 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $291,000 | 4,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $333,000 | 657 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $231,710 | 4,735 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $19,220,000 | 1,598 |
| Total interest expense | $6,815,000 | 1,680 |
| Net interest income | $12,405,000 | 1,561 |
| Provision for loan and lease losses | $2,750,000 | 583 |
| Total noninterest income | $5,505,000 | 962 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,505,000 | 645 |
| Total noninterest expense | $12,968,000 | 1,183 |
| Salaries and employee benefits | $7,370,000 | 1,084 |
| Premises and equipment expense | $2,303,000 | 949 |
| Additional noninterest expense | $3,295,000 | 1,440 |
| Pre-tax net operating income | $2,192,000 | 3,217 |
| Securities gains (losses) | $175,000 | 1,260 |
| Applicable income taxes | $830,000 | 2,528 |
| Income before extraordinary items | $1,537,000 | 3,431 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,537,000 | 3,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,989,000 | 566 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,423,250 | 3,535 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,020,000 | 3,306 |
| Total interest expense | $4,316,000 | 3,577 |
| Net interest income | $5,704,000 | 3,080 |
| Provision for loan and lease losses | $3,380,000 | 475 |
| Total noninterest income | $2,038,000 | 1,983 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,038,000 | 1,231 |
| Total noninterest expense | $6,809,000 | 2,107 |
| Salaries and employee benefits | $3,382,000 | 2,221 |
| Premises and equipment expense | $1,226,000 | 1,765 |
| Additional noninterest expense | $2,201,000 | 2,048 |
| Pre-tax net operating income | $-2,447,000 | 9,516 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-907,000 | 9,545 |
| Income before extraordinary items | $-1,540,000 | 9,490 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-1,540,000 | 9,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,427,000 | 729 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-1,540,000 | 9,460 |
* 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.