Home > Heritage Banking Group > Income and Expense
Heritage Banking Group, Income and Expense
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,528,000 | 2,797 |
| Total interest expense | $899,000 | 1,836 |
| Net interest income | $1,629,000 | 3,272 |
| Provision for loan and lease losses | $4,068,000 | 293 |
| Total noninterest income | $-350,000 | 7,499 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $244,000 | 1,468 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-594,000 | 7,522 |
| Total noninterest expense | $2,158,000 | 2,232 |
| Salaries and employee benefits | $828,000 | 2,910 |
| Premises and equipment expense | $264,000 | 2,376 |
| Additional noninterest expense | $1,066,000 | 1,624 |
| Pre-tax net operating income | $-4,947,000 | 7,504 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-4,947,000 | 7,500 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-4,947,000 | 7,500 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-4,947,000 | 7,500 |
| Net charge-offs | $1,252,000 | 730 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-4,947,000 | 7,501 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $11,676,000 | 2,564 |
| Total interest expense | $4,524,000 | 1,792 |
| Net interest income | $7,152,000 | 3,017 |
| Provision for loan and lease losses | $8,323,000 | 783 |
| Total noninterest income | $1,309,000 | 2,754 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,181,000 | 1,274 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $128,000 | 5,150 |
| Total noninterest expense | $11,354,000 | 1,741 |
| Salaries and employee benefits | $3,600,000 | 2,654 |
| Premises and equipment expense | $1,153,000 | 2,190 |
| Additional noninterest expense | $6,601,000 | 1,122 |
| Pre-tax net operating income | $-11,216,000 | 7,382 |
| Securities gains (losses) | $-1,106,000 | 7,518 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-12,322,000 | 7,434 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-12,322,000 | 7,434 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-12,322,000 | 7,434 |
| Net charge-offs | $5,004,000 | 1,015 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-11,216,000 | 7,394 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $9,050,000 | 2,535 |
| Total interest expense | $3,562,000 | 1,788 |
| Net interest income | $5,488,000 | 3,003 |
| Provision for loan and lease losses | $6,607,000 | 705 |
| Total noninterest income | $759,000 | 3,251 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $912,000 | 1,267 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-153,000 | 7,431 |
| Total noninterest expense | $5,930,000 | 2,446 |
| Salaries and employee benefits | $2,667,000 | 2,699 |
| Premises and equipment expense | $879,000 | 2,182 |
| Additional noninterest expense | $2,384,000 | 2,155 |
| Pre-tax net operating income | $-6,290,000 | 7,434 |
| Securities gains (losses) | $-70,000 | 7,361 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-6,360,000 | 7,484 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-6,360,000 | 7,484 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-6,360,000 | 7,484 |
| Net charge-offs | $3,264,000 | 1,076 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-6,290,000 | 7,463 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,267,000 | 2,478 |
| Total interest expense | $2,559,000 | 1,738 |
| Net interest income | $3,708,000 | 2,964 |
| Provision for loan and lease losses | $2,107,000 | 1,232 |
| Total noninterest income | $709,000 | 2,567 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $598,000 | 1,310 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $111,000 | 4,471 |
| Total noninterest expense | $3,852,000 | 2,511 |
| Salaries and employee benefits | $1,780,000 | 2,719 |
| Premises and equipment expense | $587,000 | 2,195 |
| Additional noninterest expense | $1,485,000 | 2,279 |
| Pre-tax net operating income | $-1,542,000 | 7,177 |
| Securities gains (losses) | $-56,000 | 7,446 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-1,598,000 | 7,263 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,598,000 | 7,262 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,598,000 | 7,263 |
| Net charge-offs | $1,404,000 | 1,426 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,542,000 | 7,244 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,269,000 | 2,435 |
| Total interest expense | $1,348,000 | 1,750 |
| Net interest income | $1,921,000 | 2,889 |
| Provision for loan and lease losses | $1,900,000 | 777 |
| Total noninterest income | $327,000 | 2,705 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $291,000 | 1,350 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $36,000 | 5,201 |
| Total noninterest expense | $1,909,000 | 2,562 |
| Salaries and employee benefits | $901,000 | 2,722 |
| Premises and equipment expense | $321,000 | 2,079 |
| Additional noninterest expense | $687,000 | 2,421 |
| Pre-tax net operating income | $-1,561,000 | 7,533 |
| Securities gains (losses) | $-42,000 | 7,617 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-1,603,000 | 7,588 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,603,000 | 7,589 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,603,000 | 7,589 |
| Net charge-offs | $1,038,000 | 1,013 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,561,000 | 7,580 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $13,501,000 | 2,473 |
| Total interest expense | $6,269,000 | 1,856 |
| Net interest income | $7,232,000 | 2,982 |
| Provision for loan and lease losses | $2,700,000 | 2,098 |
| Total noninterest income | $1,635,000 | 2,425 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,202,000 | 1,432 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $433,000 | 3,430 |
| Total noninterest expense | $7,886,000 | 2,500 |
| Salaries and employee benefits | $4,191,000 | 2,355 |
| Premises and equipment expense | $1,324,000 | 2,013 |
| Additional noninterest expense | $2,371,000 | 2,875 |
| Pre-tax net operating income | $-1,719,000 | 6,540 |
| Securities gains (losses) | $-166,000 | 7,388 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-1,885,000 | 6,713 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,885,000 | 6,711 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,885,000 | 6,711 |
| Net charge-offs | $1,086,000 | 2,766 |
| Cash dividends | $340,000 | 3,061 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,719,000 | 6,648 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,898,000 | 2,551 |
| Total interest expense | $4,791,000 | 1,897 |
| Net interest income | $5,107,000 | 3,137 |
| Provision for loan and lease losses | $2,550,000 | 1,642 |
| Total noninterest income | $1,585,000 | 2,080 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $850,000 | 1,510 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $735,000 | 2,231 |
| Total noninterest expense | $6,082,000 | 2,433 |
| Salaries and employee benefits | $3,220,000 | 2,314 |
| Premises and equipment expense | $958,000 | 2,117 |
| Additional noninterest expense | $1,904,000 | 2,669 |
| Pre-tax net operating income | $-1,940,000 | 7,029 |
| Securities gains (losses) | $72,000 | 2,060 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-1,868,000 | 7,127 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,868,000 | 7,127 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,868,000 | 7,126 |
| Net charge-offs | $995,000 | 2,210 |
| Cash dividends | $340,000 | 2,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,940,000 | 7,146 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,719,000 | 2,548 |
| Total interest expense | $3,207,000 | 1,979 |
| Net interest income | $3,512,000 | 3,034 |
| Provision for loan and lease losses | $309,000 | 3,645 |
| Total noninterest income | $856,000 | 2,423 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $544,000 | 1,537 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $312,000 | 2,939 |
| Total noninterest expense | $4,068,000 | 2,456 |
| Salaries and employee benefits | $2,203,000 | 2,293 |
| Premises and equipment expense | $658,000 | 2,079 |
| Additional noninterest expense | $1,207,000 | 2,815 |
| Pre-tax net operating income | $-9,000 | 5,833 |
| Securities gains (losses) | $13,000 | 2,499 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $4,000 | 5,890 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,000 | 5,888 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $4,000 | 5,888 |
| Net charge-offs | $576,000 | 2,184 |
| Cash dividends | $210,000 | 2,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-9,000 | 5,878 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,555,000 | 2,438 |
| Total interest expense | $1,596,000 | 2,055 |
| Net interest income | $1,959,000 | 2,758 |
| Provision for loan and lease losses | $150,000 | 3,210 |
| Total noninterest income | $402,000 | 2,499 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $277,000 | 1,482 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $125,000 | 3,277 |
| Total noninterest expense | $1,929,000 | 2,510 |
| Salaries and employee benefits | $1,137,000 | 2,238 |
| Premises and equipment expense | $328,000 | 2,127 |
| Additional noninterest expense | $464,000 | 3,197 |
| Pre-tax net operating income | $282,000 | 3,432 |
| Securities gains (losses) | $13,000 | 1,839 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $295,000 | 3,168 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $295,000 | 3,168 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $295,000 | 3,168 |
| Net charge-offs | $567,000 | 1,287 |
| Cash dividends | $80,000 | 2,407 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $282,000 | 3,087 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $15,028,000 | 2,457 |
| Total interest expense | $7,296,000 | 2,127 |
| Net interest income | $7,732,000 | 2,795 |
| Provision for loan and lease losses | $1,105,000 | 2,562 |
| Total noninterest income | $1,779,000 | 2,326 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,383,000 | 1,303 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $396,000 | 3,608 |
| Total noninterest expense | $8,747,000 | 2,185 |
| Salaries and employee benefits | $4,685,000 | 2,172 |
| Premises and equipment expense | $1,315,000 | 2,057 |
| Additional noninterest expense | $2,747,000 | 2,176 |
| Pre-tax net operating income | $-341,000 | 6,661 |
| Securities gains (losses) | $-134,000 | 7,275 |
| Applicable income taxes | $-333,000 | 7,355 |
| Income before extraordinary items | $-142,000 | 6,414 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-142,000 | 6,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $366,000 | 3,253 |
| Cash dividends | $335,000 | 3,945 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-56,240 | 6,458 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $10,998,000 | 2,572 |
| Total interest expense | $5,641,000 | 2,149 |
| Net interest income | $5,357,000 | 3,017 |
| Provision for loan and lease losses | $455,000 | 2,870 |
| Total noninterest income | $1,697,000 | 2,019 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,237,000 | 1,093 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $460,000 | 2,944 |
| Total noninterest expense | $6,408,000 | 2,230 |
| Salaries and employee benefits | $3,616,000 | 2,124 |
| Premises and equipment expense | $998,000 | 2,049 |
| Additional noninterest expense | $1,794,000 | 2,372 |
| Pre-tax net operating income | $191,000 | 6,066 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $191,000 | 5,743 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $191,000 | 5,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $322,000 | 2,473 |
| Cash dividends | $200,000 | 3,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $191,000 | 5,914 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,556,000 | 2,530 |
| Total interest expense | $3,878,000 | 2,170 |
| Net interest income | $3,678,000 | 2,932 |
| Provision for loan and lease losses | $328,000 | 2,414 |
| Total noninterest income | $943,000 | 2,324 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $745,000 | 1,196 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $198,000 | 3,789 |
| Total noninterest expense | $4,257,000 | 2,245 |
| Salaries and employee benefits | $2,443,000 | 2,119 |
| Premises and equipment expense | $654,000 | 2,068 |
| Additional noninterest expense | $1,160,000 | 2,415 |
| Pre-tax net operating income | $36,000 | 6,752 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $36,000 | 6,782 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $36,000 | 6,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 1,950 |
| Cash dividends | $180,000 | 3,557 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $36,000 | 6,719 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,833,000 | 2,560 |
| Total interest expense | $1,956,000 | 2,280 |
| Net interest income | $1,877,000 | 2,867 |
| Provision for loan and lease losses | $158,000 | 2,072 |
| Total noninterest income | $524,000 | 2,173 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $368,000 | 1,196 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $156,000 | 2,971 |
| Total noninterest expense | $2,037,000 | 2,327 |
| Salaries and employee benefits | $1,217,000 | 2,153 |
| Premises and equipment expense | $309,000 | 2,203 |
| Additional noninterest expense | $511,000 | 2,670 |
| Pre-tax net operating income | $206,000 | 4,907 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $35,000 | 3,907 |
| Income before extraordinary items | $171,000 | 5,007 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $171,000 | 5,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 1,247 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $171,000 | 4,890 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,471,000 | 2,782 |
| Total interest expense | $7,010,000 | 2,626 |
| Net interest income | $7,461,000 | 2,932 |
| Provision for loan and lease losses | $410,000 | 2,661 |
| Total noninterest income | $1,876,000 | 2,313 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,695,000 | 1,052 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $181,000 | 5,259 |
| Total noninterest expense | $9,169,000 | 2,007 |
| Salaries and employee benefits | $5,399,000 | 1,869 |
| Premises and equipment expense | $1,148,000 | 2,265 |
| Additional noninterest expense | $2,622,000 | 2,090 |
| Pre-tax net operating income | $-242,000 | 7,678 |
| Securities gains (losses) | $-114,000 | 8,177 |
| Applicable income taxes | $-212,000 | 8,134 |
| Income before extraordinary items | $-144,000 | 7,665 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-144,000 | 7,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $344,000 | 2,116 |
| Cash dividends | $984,000 | 2,674 |
| Sale, conversion, retirement of capital stock, net | $3,563,000 | 306 |
| Net operating income | $-71,040 | 7,575 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,645,000 | 2,833 |
| Total interest expense | $5,148,000 | 2,673 |
| Net interest income | $5,497,000 | 2,977 |
| Provision for loan and lease losses | $237,000 | 2,705 |
| Total noninterest income | $1,696,000 | 2,035 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,397,000 | 942 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $299,000 | 3,745 |
| Total noninterest expense | $6,016,000 | 2,257 |
| Salaries and employee benefits | $3,432,000 | 2,200 |
| Premises and equipment expense | $811,000 | 2,382 |
| Additional noninterest expense | $1,773,000 | 2,236 |
| Pre-tax net operating income | $940,000 | 4,500 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $223,000 | 3,582 |
| Income before extraordinary items | $717,000 | 4,595 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $717,000 | 4,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 1,886 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $717,000 | 4,589 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,974,000 | 2,886 |
| Total interest expense | $3,261,000 | 2,790 |
| Net interest income | $3,713,000 | 2,964 |
| Provision for loan and lease losses | $243,000 | 1,853 |
| Total noninterest income | $1,308,000 | 1,835 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $905,000 | 982 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $403,000 | 2,565 |
| Total noninterest expense | $4,024,000 | 2,265 |
| Salaries and employee benefits | $2,383,000 | 2,151 |
| Premises and equipment expense | $568,000 | 2,272 |
| Additional noninterest expense | $1,073,000 | 2,465 |
| Pre-tax net operating income | $754,000 | 4,149 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $191,000 | 3,331 |
| Income before extraordinary items | $563,000 | 4,294 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $563,000 | 4,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 1,368 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $563,000 | 4,291 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,451,000 | 2,894 |
| Total interest expense | $1,586,000 | 2,849 |
| Net interest income | $1,865,000 | 2,944 |
| Provision for loan and lease losses | $109,000 | 1,904 |
| Total noninterest income | $602,000 | 1,936 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $375,000 | 1,147 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $227,000 | 2,360 |
| Total noninterest expense | $1,943,000 | 2,346 |
| Salaries and employee benefits | $1,173,000 | 2,195 |
| Premises and equipment expense | $282,000 | 2,318 |
| Additional noninterest expense | $488,000 | 2,674 |
| Pre-tax net operating income | $415,000 | 3,910 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $108,000 | 3,167 |
| Income before extraordinary items | $307,000 | 4,113 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $307,000 | 4,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 1,528 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $307,000 | 4,088 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,049,000 | 2,878 |
| Total interest expense | $5,489,000 | 2,802 |
| Net interest income | $7,560,000 | 2,898 |
| Provision for loan and lease losses | $874,000 | 1,182 |
| Total noninterest income | $2,913,000 | 1,685 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,822,000 | 967 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,091,000 | 2,093 |
| Total noninterest expense | $8,241,000 | 2,146 |
| Salaries and employee benefits | $4,622,000 | 2,114 |
| Premises and equipment expense | $1,246,000 | 2,009 |
| Additional noninterest expense | $2,373,000 | 2,201 |
| Pre-tax net operating income | $1,358,000 | 4,513 |
| Securities gains (losses) | $38,000 | 744 |
| Applicable income taxes | $467,000 | 3,237 |
| Income before extraordinary items | $929,000 | 4,868 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $929,000 | 4,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $946,000 | 725 |
| Cash dividends | $735,000 | 3,115 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 1,046 |
| Net operating income | $903,540 | 4,933 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,558,000 | 2,917 |
| Total interest expense | $3,921,000 | 2,827 |
| Net interest income | $5,637,000 | 2,948 |
| Provision for loan and lease losses | $678,000 | 1,074 |
| Total noninterest income | $2,200,000 | 1,680 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,386,000 | 961 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $814,000 | 2,101 |
| Total noninterest expense | $6,253,000 | 2,129 |
| Salaries and employee benefits | $3,527,000 | 2,076 |
| Premises and equipment expense | $936,000 | 2,021 |
| Additional noninterest expense | $1,790,000 | 2,183 |
| Pre-tax net operating income | $906,000 | 4,944 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $311,000 | 3,535 |
| Income before extraordinary items | $595,000 | 5,377 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $595,000 | 5,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $716,000 | 597 |
| Cash dividends | $405,000 | 3,228 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $595,000 | 5,371 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,186,000 | 2,950 |
| Total interest expense | $2,464,000 | 2,852 |
| Net interest income | $3,722,000 | 2,977 |
| Provision for loan and lease losses | $234,000 | 1,878 |
| Total noninterest income | $1,496,000 | 1,642 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $921,000 | 945 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $575,000 | 2,025 |
| Total noninterest expense | $4,132,000 | 2,137 |
| Salaries and employee benefits | $2,335,000 | 2,099 |
| Premises and equipment expense | $642,000 | 1,968 |
| Additional noninterest expense | $1,155,000 | 2,252 |
| Pre-tax net operating income | $852,000 | 4,178 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $296,000 | 3,062 |
| Income before extraordinary items | $556,000 | 4,618 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $556,000 | 4,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 1,091 |
| Cash dividends | $300,000 | 3,088 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $556,000 | 4,609 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,967,000 | 3,000 |
| Total interest expense | $1,185,000 | 2,830 |
| Net interest income | $1,782,000 | 3,088 |
| Provision for loan and lease losses | $69,000 | 2,655 |
| Total noninterest income | $690,000 | 1,715 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $433,000 | 986 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $257,000 | 2,159 |
| Total noninterest expense | $1,982,000 | 2,239 |
| Salaries and employee benefits | $1,139,000 | 2,165 |
| Premises and equipment expense | $329,000 | 1,930 |
| Additional noninterest expense | $514,000 | 2,487 |
| Pre-tax net operating income | $421,000 | 4,164 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $120,000 | 3,345 |
| Income before extraordinary items | $301,000 | 4,411 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $301,000 | 4,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 1,230 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $301,000 | 4,399 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,654,000 | 2,984 |
| Total interest expense | $3,637,000 | 2,847 |
| Net interest income | $7,017,000 | 3,038 |
| Provision for loan and lease losses | $425,000 | 2,167 |
| Total noninterest income | $2,791,000 | 1,714 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,729,000 | 1,018 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,062,000 | 2,121 |
| Total noninterest expense | $7,872,000 | 2,116 |
| Salaries and employee benefits | $4,486,000 | 2,049 |
| Premises and equipment expense | $1,218,000 | 1,972 |
| Additional noninterest expense | $2,168,000 | 2,309 |
| Pre-tax net operating income | $1,511,000 | 4,358 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $389,000 | 3,738 |
| Income before extraordinary items | $1,122,000 | 4,517 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,122,000 | 4,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $424,000 | 1,334 |
| Cash dividends | $1,048,000 | 2,357 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,122,000 | 4,470 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,706,000 | 3,032 |
| Total interest expense | $2,532,000 | 2,906 |
| Net interest income | $5,174,000 | 3,065 |
| Provision for loan and lease losses | $222,000 | 2,796 |
| Total noninterest income | $2,047,000 | 1,747 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,286,000 | 1,026 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $761,000 | 2,194 |
| Total noninterest expense | $5,832,000 | 2,123 |
| Salaries and employee benefits | $3,305,000 | 2,070 |
| Premises and equipment expense | $905,000 | 1,981 |
| Additional noninterest expense | $1,622,000 | 2,275 |
| Pre-tax net operating income | $1,167,000 | 4,379 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $315,000 | 3,725 |
| Income before extraordinary items | $852,000 | 4,590 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $852,000 | 4,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $303,000 | 1,248 |
| Cash dividends | $723,000 | 2,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $852,000 | 4,549 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,919,000 | 3,081 |
| Total interest expense | $1,629,000 | 2,858 |
| Net interest income | $3,290,000 | 3,155 |
| Provision for loan and lease losses | $126,000 | 2,931 |
| Total noninterest income | $1,356,000 | 1,745 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $822,000 | 1,046 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $534,000 | 2,089 |
| Total noninterest expense | $3,907,000 | 2,093 |
| Salaries and employee benefits | $2,267,000 | 1,988 |
| Premises and equipment expense | $604,000 | 1,974 |
| Additional noninterest expense | $1,036,000 | 2,350 |
| Pre-tax net operating income | $613,000 | 4,963 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $131,000 | 4,443 |
| Income before extraordinary items | $482,000 | 4,974 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $482,000 | 4,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 939 |
| Cash dividends | $525,000 | 2,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $482,000 | 4,922 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,407,000 | 3,093 |
| Total interest expense | $797,000 | 2,796 |
| Net interest income | $1,610,000 | 3,210 |
| Provision for loan and lease losses | $58,000 | 3,022 |
| Total noninterest income | $683,000 | 1,684 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $370,000 | 1,125 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $313,000 | 1,852 |
| Total noninterest expense | $1,940,000 | 2,130 |
| Salaries and employee benefits | $1,166,000 | 1,957 |
| Premises and equipment expense | $296,000 | 2,024 |
| Additional noninterest expense | $478,000 | 2,541 |
| Pre-tax net operating income | $295,000 | 5,036 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $91,000 | 3,922 |
| Income before extraordinary items | $204,000 | 5,370 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $204,000 | 5,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 614 |
| Cash dividends | $150,000 | 2,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $204,000 | 5,338 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,896,000 | 3,131 |
| Total interest expense | $2,426,000 | 3,119 |
| Net interest income | $6,470,000 | 3,097 |
| Provision for loan and lease losses | $203,000 | 3,657 |
| Total noninterest income | $2,490,000 | 1,871 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,439,000 | 1,243 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,051,000 | 2,073 |
| Total noninterest expense | $7,678,000 | 2,075 |
| Salaries and employee benefits | $4,714,000 | 1,861 |
| Premises and equipment expense | $1,025,000 | 2,236 |
| Additional noninterest expense | $1,939,000 | 2,492 |
| Pre-tax net operating income | $1,079,000 | 5,041 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $259,000 | 4,417 |
| Income before extraordinary items | $820,000 | 5,213 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $820,000 | 5,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $417,000 | 1,549 |
| Cash dividends | $555,000 | 3,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $820,000 | 5,139 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,505,000 | 3,172 |
| Total interest expense | $1,742,000 | 3,182 |
| Net interest income | $4,763,000 | 3,118 |
| Provision for loan and lease losses | $155,000 | 3,470 |
| Total noninterest income | $1,722,000 | 2,008 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,012,000 | 1,325 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $710,000 | 2,247 |
| Total noninterest expense | $5,742,000 | 2,086 |
| Salaries and employee benefits | $3,546,000 | 1,838 |
| Premises and equipment expense | $759,000 | 2,268 |
| Additional noninterest expense | $1,437,000 | 2,480 |
| Pre-tax net operating income | $588,000 | 5,951 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $115,000 | 5,184 |
| Income before extraordinary items | $473,000 | 5,951 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $473,000 | 5,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 1,333 |
| Cash dividends | $150,000 | 4,286 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $473,000 | 5,876 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,250,000 | 3,220 |
| Total interest expense | $1,138,000 | 3,211 |
| Net interest income | $3,112,000 | 3,178 |
| Provision for loan and lease losses | $87,000 | 3,810 |
| Total noninterest income | $1,083,000 | 2,078 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $586,000 | 1,498 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $497,000 | 2,199 |
| Total noninterest expense | $3,878,000 | 2,050 |
| Salaries and employee benefits | $2,391,000 | 1,827 |
| Premises and equipment expense | $500,000 | 2,288 |
| Additional noninterest expense | $987,000 | 2,414 |
| Pre-tax net operating income | $230,000 | 6,978 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $35,000 | 5,928 |
| Income before extraordinary items | $195,000 | 6,952 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $195,000 | 6,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $266,000 | 1,130 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $195,000 | 6,871 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,117,000 | 3,233 |
| Total interest expense | $579,000 | 3,210 |
| Net interest income | $1,538,000 | 3,200 |
| Provision for loan and lease losses | $50,000 | 3,283 |
| Total noninterest income | $521,000 | 2,091 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $254,000 | 1,675 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $267,000 | 2,030 |
| Total noninterest expense | $1,957,000 | 2,052 |
| Salaries and employee benefits | $1,225,000 | 1,807 |
| Premises and equipment expense | $242,000 | 2,382 |
| Additional noninterest expense | $490,000 | 2,413 |
| Pre-tax net operating income | $52,000 | 7,897 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $52,000 | 7,741 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $52,000 | 7,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $301,000 | 615 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $52,000 | 7,676 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,184,000 | 3,064 |
| Total interest expense | $2,859,000 | 2,990 |
| Net interest income | $6,325,000 | 3,034 |
| Provision for loan and lease losses | $315,000 | 3,050 |
| Total noninterest income | $2,363,000 | 2,043 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,116,000 | 1,544 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,247,000 | 2,065 |
| Total noninterest expense | $7,466,000 | 2,105 |
| Salaries and employee benefits | $4,393,000 | 1,957 |
| Premises and equipment expense | $1,072,000 | 2,122 |
| Additional noninterest expense | $2,001,000 | 2,404 |
| Pre-tax net operating income | $907,000 | 5,401 |
| Securities gains (losses) | $-19,000 | 8,861 |
| Applicable income taxes | $199,000 | 4,936 |
| Income before extraordinary items | $689,000 | 5,631 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $689,000 | 5,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $618,000 | 1,354 |
| Cash dividends | $768,000 | 2,779 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $703,820 | 5,406 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,998,000 | 3,058 |
| Total interest expense | $2,243,000 | 2,961 |
| Net interest income | $4,755,000 | 3,039 |
| Provision for loan and lease losses | $275,000 | 2,660 |
| Total noninterest income | $1,894,000 | 1,986 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $837,000 | 1,547 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,057,000 | 1,972 |
| Total noninterest expense | $5,568,000 | 2,128 |
| Salaries and employee benefits | $3,253,000 | 1,982 |
| Premises and equipment expense | $795,000 | 2,154 |
| Additional noninterest expense | $1,520,000 | 2,365 |
| Pre-tax net operating income | $806,000 | 5,102 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $140,000 | 5,201 |
| Income before extraordinary items | $666,000 | 5,126 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $666,000 | 5,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $369,000 | 1,480 |
| Cash dividends | $333,000 | 3,320 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $666,000 | 4,938 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,736,000 | 3,041 |
| Total interest expense | $1,559,000 | 2,941 |
| Net interest income | $3,177,000 | 3,014 |
| Provision for loan and lease losses | $215,000 | 2,376 |
| Total noninterest income | $1,337,000 | 1,875 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $544,000 | 1,563 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $793,000 | 1,793 |
| Total noninterest expense | $3,770,000 | 2,094 |
| Salaries and employee benefits | $2,156,000 | 1,982 |
| Premises and equipment expense | $524,000 | 2,164 |
| Additional noninterest expense | $1,090,000 | 2,185 |
| Pre-tax net operating income | $529,000 | 5,174 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $100,000 | 5,131 |
| Income before extraordinary items | $429,000 | 5,224 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $429,000 | 5,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 1,989 |
| Cash dividends | $198,000 | 3,543 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $429,000 | 5,019 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,393,000 | 3,023 |
| Total interest expense | $807,000 | 2,921 |
| Net interest income | $1,586,000 | 3,010 |
| Provision for loan and lease losses | $95,000 | 2,452 |
| Total noninterest income | $775,000 | 1,628 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $262,000 | 1,570 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $513,000 | 1,460 |
| Total noninterest expense | $1,861,000 | 2,105 |
| Salaries and employee benefits | $1,112,000 | 1,914 |
| Premises and equipment expense | $251,000 | 2,246 |
| Additional noninterest expense | $498,000 | 2,345 |
| Pre-tax net operating income | $405,000 | 4,006 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $86,000 | 4,218 |
| Income before extraordinary items | $319,000 | 4,073 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $319,000 | 4,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 9,114 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $319,000 | 3,874 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,038,000 | 2,759 |
| Total interest expense | $3,990,000 | 2,756 |
| Net interest income | $7,048,000 | 2,712 |
| Provision for loan and lease losses | $1,295,000 | 1,058 |
| Total noninterest income | $2,386,000 | 1,857 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,369,000 | 1,176 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,017,000 | 2,153 |
| Total noninterest expense | $7,416,000 | 2,031 |
| Salaries and employee benefits | $4,488,000 | 1,786 |
| Premises and equipment expense | $968,000 | 2,258 |
| Additional noninterest expense | $1,960,000 | 2,345 |
| Pre-tax net operating income | $723,000 | 6,005 |
| Securities gains (losses) | $32,000 | 2,782 |
| Applicable income taxes | $137,000 | 5,625 |
| Income before extraordinary items | $618,000 | 5,891 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $618,000 | 5,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,483,000 | 678 |
| Cash dividends | $360,000 | 4,015 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $591,760 | 5,857 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,702,000 | 2,680 |
| Total interest expense | $5,886,000 | 2,717 |
| Net interest income | $6,816,000 | 2,626 |
| Provision for loan and lease losses | $2,723,000 | 550 |
| Total noninterest income | $2,324,000 | 1,792 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,366,000 | 1,088 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $958,000 | 2,101 |
| Total noninterest expense | $7,283,000 | 1,968 |
| Salaries and employee benefits | $4,253,000 | 1,765 |
| Premises and equipment expense | $824,000 | 2,555 |
| Additional noninterest expense | $2,206,000 | 2,040 |
| Pre-tax net operating income | $-866,000 | 9,314 |
| Securities gains (losses) | $32,000 | 2,761 |
| Applicable income taxes | $-421,000 | 9,480 |
| Income before extraordinary items | $-413,000 | 9,186 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-413,000 | 9,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,713,000 | 634 |
| Cash dividends | $555,000 | 3,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-433,480 | 9,161 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,684,000 | 2,957 |
| Total interest expense | $5,650,000 | 2,941 |
| Net interest income | $6,034,000 | 2,924 |
| Provision for loan and lease losses | $233,000 | 3,434 |
| Total noninterest income | $2,197,000 | 1,752 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,193,000 | 1,141 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,004,000 | 1,848 |
| Total noninterest expense | $6,604,000 | 2,086 |
| Salaries and employee benefits | $3,761,000 | 1,913 |
| Premises and equipment expense | $716,000 | 2,829 |
| Additional noninterest expense | $2,127,000 | 2,039 |
| Pre-tax net operating income | $1,394,000 | 4,284 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $300,000 | 4,598 |
| Income before extraordinary items | $1,094,000 | 4,122 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,094,000 | 4,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 2,279 |
| Cash dividends | $915,000 | 2,439 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,094,000 | 4,125 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,802,000 | 2,988 |
| Total interest expense | $4,542,000 | 3,208 |
| Net interest income | $6,260,000 | 2,808 |
| Provision for loan and lease losses | $403,000 | 2,090 |
| Total noninterest income | $1,677,000 | 2,125 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,107,000 | 1,199 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $570,000 | 2,710 |
| Total noninterest expense | $5,972,000 | 2,293 |
| Salaries and employee benefits | $3,399,000 | 2,066 |
| Premises and equipment expense | $745,000 | 2,725 |
| Additional noninterest expense | $1,828,000 | 2,385 |
| Pre-tax net operating income | $1,562,000 | 3,979 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $360,000 | 4,409 |
| Income before extraordinary items | $1,203,000 | 3,869 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,203,000 | 3,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $464,000 | 1,285 |
| Cash dividends | $510,000 | 3,449 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,202,230 | 3,842 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,072,000 | 2,915 |
| Total interest expense | $4,921,000 | 3,045 |
| Net interest income | $6,151,000 | 2,792 |
| Provision for loan and lease losses | $586,000 | 1,531 |
| Total noninterest income | $1,966,000 | 1,859 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $952,000 | 1,311 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,014,000 | 1,836 |
| Total noninterest expense | $6,005,000 | 2,176 |
| Salaries and employee benefits | $3,562,000 | 1,872 |
| Premises and equipment expense | $726,000 | 2,690 |
| Additional noninterest expense | $1,717,000 | 2,424 |
| Pre-tax net operating income | $1,526,000 | 4,134 |
| Securities gains (losses) | $8,000 | 3,124 |
| Applicable income taxes | $249,000 | 5,656 |
| Income before extraordinary items | $1,285,000 | 3,729 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,285,000 | 3,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $388,000 | 1,541 |
| Cash dividends | $510,000 | 3,454 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,278,280 | 3,652 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,643,000 | 3,044 |
| Total interest expense | $4,858,000 | 3,060 |
| Net interest income | $5,785,000 | 3,021 |
| Provision for loan and lease losses | $439,000 | 1,964 |
| Total noninterest income | $1,678,000 | 2,022 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $889,000 | 1,450 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $789,000 | 2,048 |
| Total noninterest expense | $5,760,000 | 2,241 |
| Salaries and employee benefits | $3,498,000 | 1,873 |
| Premises and equipment expense | $685,000 | 2,797 |
| Additional noninterest expense | $1,577,000 | 2,601 |
| Pre-tax net operating income | $1,264,000 | 5,068 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $233,000 | 6,460 |
| Income before extraordinary items | $1,031,000 | 4,604 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,031,000 | 4,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $338,000 | 1,815 |
| Cash dividends | $420,000 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,031,000 | 4,538 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,929,000 | 3,300 |
| Total interest expense | $4,468,000 | 3,336 |
| Net interest income | $5,461,000 | 3,237 |
| Provision for loan and lease losses | $453,000 | 1,877 |
| Total noninterest income | $2,020,000 | 1,819 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $890,000 | 1,508 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,130,000 | 1,668 |
| Total noninterest expense | $5,825,000 | 2,365 |
| Salaries and employee benefits | $3,579,000 | 1,847 |
| Premises and equipment expense | $692,000 | 2,839 |
| Additional noninterest expense | $1,554,000 | 3,030 |
| Pre-tax net operating income | $1,203,000 | 5,115 |
| Securities gains (losses) | $72,000 | 1,121 |
| Applicable income taxes | $263,000 | 6,270 |
| Income before extraordinary items | $1,012,000 | 4,452 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,012,000 | 4,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $352,000 | 1,845 |
| Cash dividends | $420,000 | 3,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $955,120 | 4,610 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,176,000 | 3,559 |
| Total interest expense | $3,950,000 | 3,717 |
| Net interest income | $5,226,000 | 3,388 |
| Provision for loan and lease losses | $230,000 | 2,756 |
| Total noninterest income | $1,935,000 | 1,894 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $815,000 | 1,659 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,120,000 | 1,667 |
| Total noninterest expense | $5,742,000 | 2,372 |
| Salaries and employee benefits | $3,184,000 | 2,087 |
| Premises and equipment expense | $581,000 | 3,293 |
| Additional noninterest expense | $1,977,000 | 2,420 |
| Pre-tax net operating income | $1,189,000 | 5,277 |
| Securities gains (losses) | $74,000 | 1,086 |
| Applicable income taxes | $294,000 | 6,080 |
| Income before extraordinary items | $969,000 | 4,724 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $969,000 | 4,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 2,273 |
| Cash dividends | $420,000 | 3,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $912,020 | 4,930 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,593,000 | 3,922 |
| Total interest expense | $2,551,000 | 4,565 |
| Net interest income | $5,042,000 | 3,533 |
| Provision for loan and lease losses | $166,000 | 3,396 |
| Total noninterest income | $1,302,000 | 2,577 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $688,000 | 1,961 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $614,000 | 2,541 |
| Total noninterest expense | $4,873,000 | 2,844 |
| Salaries and employee benefits | $2,850,000 | 2,355 |
| Premises and equipment expense | $535,000 | 3,586 |
| Additional noninterest expense | $1,488,000 | 3,321 |
| Pre-tax net operating income | $1,305,000 | 4,930 |
| Securities gains (losses) | $-3,000 | 9,178 |
| Applicable income taxes | $414,000 | 4,646 |
| Income before extraordinary items | $888,000 | 4,970 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $888,000 | 4,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $265,000 | 2,086 |
| Cash dividends | $420,000 | 3,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $890,040 | 5,015 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,121,000 | 4,255 |
| Total interest expense | $2,670,000 | 4,549 |
| Net interest income | $4,451,000 | 3,988 |
| Provision for loan and lease losses | $396,000 | 2,489 |
| Total noninterest income | $1,458,000 | 2,497 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $627,000 | 2,184 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $831,000 | 2,335 |
| Total noninterest expense | $4,168,000 | 3,354 |
| Salaries and employee benefits | $2,128,000 | 3,082 |
| Premises and equipment expense | $444,000 | 4,310 |
| Additional noninterest expense | $1,596,000 | 3,321 |
| Pre-tax net operating income | $1,345,000 | 4,743 |
| Securities gains (losses) | $57,000 | 3,212 |
| Applicable income taxes | $140,000 | 8,855 |
| Income before extraordinary items | $1,262,000 | 3,820 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,262,000 | 3,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 2,641 |
| Cash dividends | $360,000 | 3,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,210,700 | 3,778 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,717,000 | 4,430 |
| Total interest expense | $3,258,000 | 4,829 |
| Net interest income | $4,459,000 | 4,036 |
| Provision for loan and lease losses | $686,000 | 2,408 |
| Total noninterest income | $864,000 | 3,743 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $633,000 | 2,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $231,000 | 5,223 |
| Total noninterest expense | $3,393,000 | 4,048 |
| Salaries and employee benefits | $1,817,000 | 3,521 |
| Premises and equipment expense | $438,000 | 4,450 |
| Additional noninterest expense | $1,138,000 | 4,556 |
| Pre-tax net operating income | $1,244,000 | 4,777 |
| Securities gains (losses) | $113,000 | 2,816 |
| Applicable income taxes | $310,000 | 5,797 |
| Income before extraordinary items | $1,047,000 | 4,324 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,047,000 | 4,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $556,000 | 2,299 |
| Cash dividends | $288,000 | 4,150 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $959,990 | 4,345 |
* 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.