Home > Heritage First Bank > Income and Expense
Heritage First Bank, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,694,000 | 6,321 |
| Total interest expense | $409,000 | 5,805 |
| Net interest income | $1,285,000 | 6,385 |
| Provision for loan and lease losses | $1,106,000 | 1,846 |
| Total noninterest income | $65,000 | 6,627 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $199,000 | 3,858 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-134,000 | 7,088 |
| Total noninterest expense | $1,556,000 | 5,768 |
| Salaries and employee benefits | $600,000 | 6,288 |
| Premises and equipment expense | $229,000 | 5,238 |
| Additional noninterest expense | $727,000 | 4,996 |
| Pre-tax net operating income | $-1,312,000 | 6,874 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-1,312,000 | 6,939 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,312,000 | 6,940 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-1,312,000 | 6,940 |
| Net charge-offs | $942,000 | 1,958 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-1,312,000 | 6,907 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,107,000 | 6,410 |
| Total interest expense | $274,000 | 5,905 |
| Net interest income | $833,000 | 6,470 |
| Provision for loan and lease losses | $999,000 | 1,501 |
| Total noninterest income | $81,000 | 6,107 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $125,000 | 3,955 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-44,000 | 7,123 |
| Total noninterest expense | $1,103,000 | 5,714 |
| Salaries and employee benefits | $401,000 | 6,344 |
| Premises and equipment expense | $166,000 | 5,102 |
| Additional noninterest expense | $536,000 | 4,830 |
| Pre-tax net operating income | $-1,188,000 | 7,028 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-1,188,000 | 7,079 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,188,000 | 7,079 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-1,188,000 | 7,080 |
| Net charge-offs | $823,000 | 1,644 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-1,188,000 | 7,062 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $564,000 | 6,430 |
| Total interest expense | $141,000 | 5,952 |
| Net interest income | $423,000 | 6,477 |
| Provision for loan and lease losses | $910,000 | 926 |
| Total noninterest income | $7,000 | 7,170 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $60,000 | 4,009 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-53,000 | 7,305 |
| Total noninterest expense | $566,000 | 5,680 |
| Salaries and employee benefits | $225,000 | 6,172 |
| Premises and equipment expense | $87,000 | 5,036 |
| Additional noninterest expense | $254,000 | 4,968 |
| Pre-tax net operating income | $-1,046,000 | 7,288 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-1,046,000 | 7,301 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-1,046,000 | 7,301 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,046,000 | 7,302 |
| Net charge-offs | $115,000 | 2,596 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-1,046,000 | 7,304 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,633,000 | 6,287 |
| Total interest expense | $643,000 | 6,128 |
| Net interest income | $1,990,000 | 6,250 |
| Provision for loan and lease losses | $979,000 | 3,086 |
| Total noninterest income | $390,000 | 4,995 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $304,000 | 3,614 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $86,000 | 5,610 |
| Total noninterest expense | $2,679,000 | 5,331 |
| Salaries and employee benefits | $1,228,000 | 5,620 |
| Premises and equipment expense | $340,000 | 5,130 |
| Additional noninterest expense | $1,111,000 | 4,807 |
| Pre-tax net operating income | $-1,278,000 | 6,585 |
| Securities gains (losses) | $2,000 | 3,620 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-1,276,000 | 6,682 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,276,000 | 6,682 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,276,000 | 6,683 |
| Net charge-offs | $802,000 | 2,990 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,278,000 | 6,657 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,012,000 | 6,362 |
| Total interest expense | $496,000 | 6,223 |
| Net interest income | $1,516,000 | 6,321 |
| Provision for loan and lease losses | $921,000 | 2,623 |
| Total noninterest income | $295,000 | 5,076 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $232,000 | 3,647 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $63,000 | 5,757 |
| Total noninterest expense | $2,015,000 | 5,344 |
| Salaries and employee benefits | $964,000 | 5,524 |
| Premises and equipment expense | $260,000 | 5,151 |
| Additional noninterest expense | $791,000 | 4,951 |
| Pre-tax net operating income | $-1,125,000 | 6,832 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-1,125,000 | 6,945 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,125,000 | 6,944 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-1,125,000 | 6,945 |
| Net charge-offs | $310,000 | 3,686 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-1,125,000 | 6,905 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,358,000 | 6,383 |
| Total interest expense | $343,000 | 6,244 |
| Net interest income | $1,015,000 | 6,341 |
| Provision for loan and lease losses | $631,000 | 2,501 |
| Total noninterest income | $221,000 | 4,846 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $167,000 | 3,501 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $54,000 | 5,493 |
| Total noninterest expense | $1,344,000 | 5,361 |
| Salaries and employee benefits | $667,000 | 5,458 |
| Premises and equipment expense | $172,000 | 5,214 |
| Additional noninterest expense | $505,000 | 5,054 |
| Pre-tax net operating income | $-739,000 | 6,885 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-739,000 | 6,982 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-739,000 | 6,982 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-739,000 | 6,982 |
| Net charge-offs | $83,000 | 4,440 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-739,000 | 6,951 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $709,000 | 6,382 |
| Total interest expense | $177,000 | 6,316 |
| Net interest income | $532,000 | 6,291 |
| Provision for loan and lease losses | $298,000 | 2,492 |
| Total noninterest income | $114,000 | 4,808 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $86,000 | 3,446 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $28,000 | 5,531 |
| Total noninterest expense | $688,000 | 5,348 |
| Salaries and employee benefits | $352,000 | 5,344 |
| Premises and equipment expense | $91,000 | 5,158 |
| Additional noninterest expense | $245,000 | 5,171 |
| Pre-tax net operating income | $-340,000 | 7,019 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-340,000 | 7,122 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-340,000 | 7,124 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-340,000 | 7,122 |
| Net charge-offs | $3,000 | 5,292 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-340,000 | 7,084 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,961,000 | 6,362 |
| Total interest expense | $890,000 | 6,269 |
| Net interest income | $2,071,000 | 6,286 |
| Provision for loan and lease losses | $1,114,000 | 3,327 |
| Total noninterest income | $468,000 | 4,850 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $349,000 | 3,598 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $119,000 | 5,415 |
| Total noninterest expense | $2,792,000 | 5,383 |
| Salaries and employee benefits | $1,533,000 | 5,121 |
| Premises and equipment expense | $331,000 | 5,433 |
| Additional noninterest expense | $928,000 | 5,448 |
| Pre-tax net operating income | $-1,367,000 | 6,396 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-1,367,000 | 6,517 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,367,000 | 6,517 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,367,000 | 6,517 |
| Net charge-offs | $701,000 | 3,345 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,367,000 | 6,520 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,260,000 | 6,406 |
| Total interest expense | $696,000 | 6,325 |
| Net interest income | $1,564,000 | 6,275 |
| Provision for loan and lease losses | $651,000 | 3,399 |
| Total noninterest income | $335,000 | 4,998 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $256,000 | 3,647 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $79,000 | 5,709 |
| Total noninterest expense | $2,084,000 | 5,401 |
| Salaries and employee benefits | $1,155,000 | 5,160 |
| Premises and equipment expense | $238,000 | 5,575 |
| Additional noninterest expense | $691,000 | 5,440 |
| Pre-tax net operating income | $-836,000 | 6,563 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-836,000 | 6,649 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-836,000 | 6,651 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-836,000 | 6,651 |
| Net charge-offs | $190,000 | 4,308 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-836,000 | 6,649 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,506,000 | 6,469 |
| Total interest expense | $487,000 | 6,330 |
| Net interest income | $1,019,000 | 6,352 |
| Provision for loan and lease losses | $44,000 | 6,202 |
| Total noninterest income | $219,000 | 5,067 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $168,000 | 3,656 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $51,000 | 5,818 |
| Total noninterest expense | $1,388,000 | 5,448 |
| Salaries and employee benefits | $769,000 | 5,222 |
| Premises and equipment expense | $155,000 | 5,676 |
| Additional noninterest expense | $464,000 | 5,445 |
| Pre-tax net operating income | $-194,000 | 6,261 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-194,000 | 6,371 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-194,000 | 6,370 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-194,000 | 6,370 |
| Net charge-offs | $22,000 | 5,547 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-194,000 | 6,354 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $730,000 | 6,564 |
| Total interest expense | $249,000 | 6,387 |
| Net interest income | $481,000 | 6,492 |
| Provision for loan and lease losses | $22,000 | 5,819 |
| Total noninterest income | $95,000 | 5,301 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $80,000 | 3,714 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $15,000 | 6,478 |
| Total noninterest expense | $702,000 | 5,384 |
| Salaries and employee benefits | $390,000 | 5,230 |
| Premises and equipment expense | $79,000 | 5,681 |
| Additional noninterest expense | $233,000 | 5,147 |
| Pre-tax net operating income | $-148,000 | 6,783 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-148,000 | 6,928 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-148,000 | 6,929 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-148,000 | 6,929 |
| Net charge-offs | $24,000 | 4,197 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-148,000 | 6,850 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,417,000 | 7,054 |
| Total interest expense | $1,063,000 | 6,667 |
| Net interest income | $1,354,000 | 7,181 |
| Provision for loan and lease losses | $30,000 | 6,834 |
| Total noninterest income | $441,000 | 5,100 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $330,000 | 3,842 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $111,000 | 5,776 |
| Total noninterest expense | $2,946,000 | 5,175 |
| Salaries and employee benefits | $1,576,000 | 5,181 |
| Premises and equipment expense | $265,000 | 6,117 |
| Additional noninterest expense | $1,105,000 | 4,516 |
| Pre-tax net operating income | $-1,181,000 | 7,096 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-1,181,000 | 7,075 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,181,000 | 7,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 3,979 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-1,181,000 | 7,193 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,735,000 | 7,197 |
| Total interest expense | $800,000 | 6,786 |
| Net interest income | $935,000 | 7,366 |
| Provision for loan and lease losses | $15,000 | 6,618 |
| Total noninterest income | $335,000 | 5,164 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $247,000 | 3,874 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $88,000 | 5,818 |
| Total noninterest expense | $2,146,000 | 5,251 |
| Salaries and employee benefits | $1,155,000 | 5,285 |
| Premises and equipment expense | $183,000 | 6,316 |
| Additional noninterest expense | $808,000 | 4,536 |
| Pre-tax net operating income | $-891,000 | 7,469 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-891,000 | 7,453 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-891,000 | 7,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,737 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-891,000 | 7,570 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,110,000 | 7,321 |
| Total interest expense | $551,000 | 6,845 |
| Net interest income | $559,000 | 7,556 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $195,000 | 5,479 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $162,000 | 3,906 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $33,000 | 6,662 |
| Total noninterest expense | $1,369,000 | 5,417 |
| Salaries and employee benefits | $738,000 | 5,448 |
| Premises and equipment expense | $87,000 | 6,979 |
| Additional noninterest expense | $544,000 | 4,475 |
| Pre-tax net operating income | $-615,000 | 7,693 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-615,000 | 7,777 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-615,000 | 7,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,124 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-615,000 | 7,753 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $531,000 | 7,477 |
| Total interest expense | $290,000 | 6,899 |
| Net interest income | $241,000 | 7,791 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $106,000 | 5,305 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $78,000 | 3,924 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $28,000 | 5,994 |
| Total noninterest expense | $639,000 | 5,635 |
| Salaries and employee benefits | $341,000 | 5,721 |
| Premises and equipment expense | $44,000 | 7,000 |
| Additional noninterest expense | $254,000 | 4,634 |
| Pre-tax net operating income | $-292,000 | 7,902 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-292,000 | 7,971 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-292,000 | 7,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,346 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-292,000 | 7,946 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,051,000 | 7,522 |
| Total interest expense | $841,000 | 7,423 |
| Net interest income | $1,210,000 | 7,484 |
| Provision for loan and lease losses | $80,000 | 5,190 |
| Total noninterest income | $283,000 | 6,133 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $262,000 | 4,367 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $21,000 | 7,774 |
| Total noninterest expense | $2,432,000 | 5,688 |
| Salaries and employee benefits | $1,134,000 | 6,142 |
| Premises and equipment expense | $112,000 | 7,623 |
| Additional noninterest expense | $1,186,000 | 4,106 |
| Pre-tax net operating income | $-1,019,000 | 8,054 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $5,000 | 5,774 |
| Income before extraordinary items | $-1,024,000 | 8,112 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,024,000 | 8,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-1,024,000 | 8,103 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,489,000 | 7,614 |
| Total interest expense | $582,000 | 7,580 |
| Net interest income | $907,000 | 7,532 |
| Provision for loan and lease losses | $80,000 | 4,491 |
| Total noninterest income | $199,000 | 6,308 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $185,000 | 4,502 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $14,000 | 7,875 |
| Total noninterest expense | $1,781,000 | 5,731 |
| Salaries and employee benefits | $836,000 | 6,184 |
| Premises and equipment expense | $81,000 | 7,644 |
| Additional noninterest expense | $864,000 | 4,140 |
| Pre-tax net operating income | $-755,000 | 8,205 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $4,000 | 5,949 |
| Income before extraordinary items | $-759,000 | 8,251 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-759,000 | 8,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,814 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-759,000 | 8,243 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $953,000 | 7,715 |
| Total interest expense | $359,000 | 7,696 |
| Net interest income | $594,000 | 7,616 |
| Provision for loan and lease losses | $60,000 | 3,990 |
| Total noninterest income | $133,000 | 6,345 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $120,000 | 4,583 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $13,000 | 7,713 |
| Total noninterest expense | $1,163,000 | 5,820 |
| Salaries and employee benefits | $546,000 | 6,289 |
| Premises and equipment expense | $46,000 | 7,866 |
| Additional noninterest expense | $571,000 | 4,160 |
| Pre-tax net operating income | $-496,000 | 8,304 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $3,000 | 6,009 |
| Income before extraordinary items | $-499,000 | 8,337 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-499,000 | 8,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,576 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-499,000 | 8,331 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $452,000 | 7,816 |
| Total interest expense | $166,000 | 7,825 |
| Net interest income | $286,000 | 7,713 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $70,000 | 6,240 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $63,000 | 4,424 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $7,000 | 7,693 |
| Total noninterest expense | $542,000 | 6,061 |
| Salaries and employee benefits | $257,000 | 6,465 |
| Premises and equipment expense | $16,000 | 8,178 |
| Additional noninterest expense | $269,000 | 4,293 |
| Pre-tax net operating income | $-216,000 | 8,321 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,000 | 6,046 |
| Income before extraordinary items | $-217,000 | 8,347 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-217,000 | 8,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,345 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-217,000 | 8,338 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,786,000 | 7,703 |
| Total interest expense | $535,000 | 7,853 |
| Net interest income | $1,251,000 | 7,512 |
| Provision for loan and lease losses | $120,000 | 4,374 |
| Total noninterest income | $90,000 | 7,847 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $228,000 | 4,710 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $-138,000 | 8,671 |
| Total noninterest expense | $1,615,000 | 6,705 |
| Salaries and employee benefits | $476,000 | 7,938 |
| Premises and equipment expense | $153,000 | 7,227 |
| Additional noninterest expense | $986,000 | 4,557 |
| Pre-tax net operating income | $-394,000 | 8,215 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $5,000 | 6,317 |
| Income before extraordinary items | $-399,000 | 8,249 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-399,000 | 8,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,771 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-399,000 | 8,245 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,337,000 | 7,764 |
| Total interest expense | $383,000 | 7,926 |
| Net interest income | $954,000 | 7,557 |
| Provision for loan and lease losses | $90,000 | 4,225 |
| Total noninterest income | $26,000 | 8,404 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $168,000 | 4,794 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-142,000 | 8,736 |
| Total noninterest expense | $1,193,000 | 6,756 |
| Salaries and employee benefits | $348,000 | 7,971 |
| Premises and equipment expense | $115,000 | 7,239 |
| Additional noninterest expense | $730,000 | 4,573 |
| Pre-tax net operating income | $-303,000 | 8,351 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $4,000 | 6,438 |
| Income before extraordinary items | $-307,000 | 8,381 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-307,000 | 8,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,074 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-307,000 | 8,373 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $882,000 | 7,792 |
| Total interest expense | $243,000 | 7,967 |
| Net interest income | $639,000 | 7,592 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $-36,000 | 8,765 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $112,000 | 4,755 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-148,000 | 8,775 |
| Total noninterest expense | $786,000 | 6,822 |
| Salaries and employee benefits | $227,000 | 8,042 |
| Premises and equipment expense | $76,000 | 7,288 |
| Additional noninterest expense | $483,000 | 4,592 |
| Pre-tax net operating income | $-243,000 | 8,438 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $3,000 | 6,457 |
| Income before extraordinary items | $-246,000 | 8,459 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-246,000 | 8,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,553 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-246,000 | 8,458 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $434,000 | 7,832 |
| Total interest expense | $116,000 | 8,004 |
| Net interest income | $318,000 | 7,617 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $61,000 | 6,597 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $54,000 | 4,773 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $7,000 | 7,855 |
| Total noninterest expense | $389,000 | 6,846 |
| Salaries and employee benefits | $111,000 | 8,084 |
| Premises and equipment expense | $40,000 | 7,201 |
| Additional noninterest expense | $238,000 | 4,618 |
| Pre-tax net operating income | $-40,000 | 8,360 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,000 | 6,453 |
| Income before extraordinary items | $-41,000 | 8,365 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-41,000 | 8,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,292 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-41,000 | 8,351 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $550,000 | 8,608 |
| Total interest expense | $144,000 | 8,553 |
| Net interest income | $406,000 | 8,600 |
| Provision for loan and lease losses | $197,000 | 3,627 |
| Total noninterest income | $121,000 | 7,745 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $80,000 | 6,585 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $41,000 | 7,593 |
| Total noninterest expense | $510,000 | 8,550 |
| Salaries and employee benefits | $157,000 | 8,737 |
| Premises and equipment expense | $55,000 | 8,408 |
| Additional noninterest expense | $298,000 | 7,666 |
| Pre-tax net operating income | $-180,000 | 8,368 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-180,000 | 8,406 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-180,000 | 8,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $266,000 | 1,894 |
| Cash dividends | $27,000 | 5,897 |
| Sale, conversion, retirement of capital stock, net | $-200,000 | 8,782 |
| Net operating income | $-180,000 | 8,384 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $125,000 | 8,804 |
| Total interest expense | $33,000 | 8,740 |
| Net interest income | $92,000 | 8,804 |
| Provision for loan and lease losses | $10,000 | 6,490 |
| Total noninterest income | $23,000 | 8,591 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $21,000 | 7,426 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,000 | 8,654 |
| Total noninterest expense | $120,000 | 8,830 |
| Salaries and employee benefits | $38,000 | 8,831 |
| Premises and equipment expense | $14,000 | 8,745 |
| Additional noninterest expense | $68,000 | 8,729 |
| Pre-tax net operating income | $-15,000 | 8,352 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-15,000 | 8,367 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-15,000 | 8,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 2,196 |
| Cash dividends | $27,000 | 5,153 |
| Sale, conversion, retirement of capital stock, net | $-200,000 | 8,824 |
| Net operating income | $-15,000 | 8,342 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $740,000 | 7,934 |
| Total interest expense | $165,000 | 8,063 |
| Net interest income | $575,000 | 7,807 |
| Provision for loan and lease losses | $80,000 | 3,732 |
| Total noninterest income | $125,000 | 6,674 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $107,000 | 4,896 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $18,000 | 7,744 |
| Total noninterest expense | $494,000 | 7,757 |
| Salaries and employee benefits | $230,000 | 8,015 |
| Premises and equipment expense | $79,000 | 7,176 |
| Additional noninterest expense | $185,000 | 7,245 |
| Pre-tax net operating income | $126,000 | 7,695 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $126,000 | 7,536 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $126,000 | 7,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 1,800 |
| Cash dividends | $22,000 | 4,940 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $126,000 | 7,494 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $359,000 | 8,035 |
| Total interest expense | $80,000 | 8,117 |
| Net interest income | $279,000 | 7,913 |
| Provision for loan and lease losses | $35,000 | 3,777 |
| Total noninterest income | $49,000 | 7,108 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $45,000 | 5,216 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,000 | 8,331 |
| Total noninterest expense | $252,000 | 7,782 |
| Salaries and employee benefits | $118,000 | 8,040 |
| Premises and equipment expense | $38,000 | 7,311 |
| Additional noninterest expense | $96,000 | 7,233 |
| Pre-tax net operating income | $41,000 | 8,010 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $41,000 | 7,917 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $41,000 | 7,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 967 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $41,000 | 7,887 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,526,000 | 7,854 |
| Total interest expense | $342,000 | 7,905 |
| Net interest income | $1,184,000 | 7,760 |
| Provision for loan and lease losses | $91,000 | 5,155 |
| Total noninterest income | $275,000 | 6,577 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $217,000 | 5,057 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $58,000 | 7,229 |
| Total noninterest expense | $1,195,000 | 7,454 |
| Salaries and employee benefits | $639,000 | 7,515 |
| Premises and equipment expense | $183,000 | 6,946 |
| Additional noninterest expense | $373,000 | 7,267 |
| Pre-tax net operating income | $173,000 | 7,869 |
| Securities gains (losses) | $5,000 | 3,151 |
| Applicable income taxes | $-33,000 | 8,645 |
| Income before extraordinary items | $211,000 | 7,591 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $211,000 | 7,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 2,587 |
| Cash dividends | $114,000 | 5,399 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $206,000 | 7,578 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,133,000 | 7,905 |
| Total interest expense | $259,000 | 7,929 |
| Net interest income | $874,000 | 7,826 |
| Provision for loan and lease losses | $61,000 | 5,112 |
| Total noninterest income | $221,000 | 6,496 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $171,000 | 4,982 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $50,000 | 7,056 |
| Total noninterest expense | $932,000 | 7,339 |
| Salaries and employee benefits | $505,000 | 7,321 |
| Premises and equipment expense | $142,000 | 6,853 |
| Additional noninterest expense | $285,000 | 7,216 |
| Pre-tax net operating income | $102,000 | 8,114 |
| Securities gains (losses) | $6,000 | 2,970 |
| Applicable income taxes | $-24,000 | 8,772 |
| Income before extraordinary items | $132,000 | 7,902 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $132,000 | 7,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 1,856 |
| Cash dividends | $76,000 | 4,790 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $126,000 | 7,886 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $747,000 | 7,983 |
| Total interest expense | $174,000 | 7,989 |
| Net interest income | $573,000 | 7,898 |
| Provision for loan and lease losses | $45,000 | 4,838 |
| Total noninterest income | $157,000 | 6,366 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $122,000 | 4,840 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $35,000 | 7,019 |
| Total noninterest expense | $663,000 | 7,241 |
| Salaries and employee benefits | $361,000 | 7,220 |
| Premises and equipment expense | $105,000 | 6,680 |
| Additional noninterest expense | $197,000 | 7,168 |
| Pre-tax net operating income | $22,000 | 8,411 |
| Securities gains (losses) | $1,000 | 3,212 |
| Applicable income taxes | $-18,000 | 8,827 |
| Income before extraordinary items | $41,000 | 8,305 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $41,000 | 8,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 1,379 |
| Cash dividends | $53,000 | 4,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $40,000 | 8,253 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $383,000 | 7,976 |
| Total interest expense | $89,000 | 8,022 |
| Net interest income | $294,000 | 7,886 |
| Provision for loan and lease losses | $9,000 | 5,706 |
| Total noninterest income | $55,000 | 7,060 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $60,000 | 4,803 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $-5,000 | 9,080 |
| Total noninterest expense | $341,000 | 7,193 |
| Salaries and employee benefits | $188,000 | 7,149 |
| Premises and equipment expense | $58,000 | 6,408 |
| Additional noninterest expense | $95,000 | 7,267 |
| Pre-tax net operating income | $-1,000 | 8,564 |
| Securities gains (losses) | $1,000 | 2,756 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $0 | 8,589 |
| Extraordinary gains, net | $11,000 | 11 |
| Net income | $9,000 | 8,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 2,391 |
| Cash dividends | $26,000 | 3,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-1,000 | 8,548 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,758,000 | 7,811 |
| Total interest expense | $429,000 | 8,018 |
| Net interest income | $1,329,000 | 7,612 |
| Provision for loan and lease losses | $689,000 | 1,643 |
| Total noninterest income | $228,000 | 7,112 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $280,000 | 4,478 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $-52,000 | 9,154 |
| Total noninterest expense | $1,353,000 | 7,162 |
| Salaries and employee benefits | $774,000 | 7,009 |
| Premises and equipment expense | $237,000 | 6,334 |
| Additional noninterest expense | $342,000 | 7,501 |
| Pre-tax net operating income | $-485,000 | 8,817 |
| Securities gains (losses) | $7,000 | 3,771 |
| Applicable income taxes | $30,000 | 6,608 |
| Income before extraordinary items | $-508,000 | 8,910 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-508,000 | 8,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $327,000 | 2,143 |
| Cash dividends | $235,000 | 4,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-515,000 | 8,852 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,356,000 | 7,854 |
| Total interest expense | $334,000 | 8,100 |
| Net interest income | $1,022,000 | 7,615 |
| Provision for loan and lease losses | $680,000 | 1,253 |
| Total noninterest income | $182,000 | 7,061 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $217,000 | 4,403 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-35,000 | 9,208 |
| Total noninterest expense | $1,009,000 | 7,185 |
| Salaries and employee benefits | $574,000 | 7,031 |
| Premises and equipment expense | $174,000 | 6,404 |
| Additional noninterest expense | $261,000 | 7,464 |
| Pre-tax net operating income | $-485,000 | 8,951 |
| Securities gains (losses) | $7,000 | 3,479 |
| Applicable income taxes | $22,000 | 6,754 |
| Income before extraordinary items | $-500,000 | 9,028 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-500,000 | 9,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $312,000 | 1,669 |
| Cash dividends | $213,000 | 3,940 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-507,000 | 8,973 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $929,000 | 7,852 |
| Total interest expense | $230,000 | 8,141 |
| Net interest income | $699,000 | 7,582 |
| Provision for loan and lease losses | $671,000 | 903 |
| Total noninterest income | $113,000 | 7,172 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $151,000 | 4,272 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $-38,000 | 9,243 |
| Total noninterest expense | $658,000 | 7,272 |
| Salaries and employee benefits | $382,000 | 7,060 |
| Premises and equipment expense | $113,000 | 6,446 |
| Additional noninterest expense | $163,000 | 7,598 |
| Pre-tax net operating income | $-517,000 | 9,071 |
| Securities gains (losses) | $7,000 | 3,077 |
| Applicable income taxes | $15,000 | 6,772 |
| Income before extraordinary items | $-525,000 | 9,138 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-525,000 | 9,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 1,483 |
| Cash dividends | $178,000 | 3,655 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-532,000 | 9,083 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $487,000 | 7,802 |
| Total interest expense | $118,000 | 8,202 |
| Net interest income | $369,000 | 7,486 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $74,000 | 6,601 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $70,000 | 4,383 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,000 | 8,607 |
| Total noninterest expense | $327,000 | 7,306 |
| Salaries and employee benefits | $191,000 | 7,087 |
| Premises and equipment expense | $55,000 | 6,522 |
| Additional noninterest expense | $81,000 | 7,638 |
| Pre-tax net operating income | $56,000 | 7,901 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $7,000 | 6,747 |
| Income before extraordinary items | $49,000 | 7,924 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $49,000 | 7,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 2,727 |
| Cash dividends | $159,000 | 2,463 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $49,000 | 7,774 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,094,000 | 7,748 |
| Total interest expense | $537,000 | 8,280 |
| Net interest income | $1,557,000 | 7,340 |
| Provision for loan and lease losses | $36,000 | 7,011 |
| Total noninterest income | $319,000 | 6,334 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $280,000 | 4,386 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $39,000 | 7,905 |
| Total noninterest expense | $1,269,000 | 7,323 |
| Salaries and employee benefits | $732,000 | 7,148 |
| Premises and equipment expense | $219,000 | 6,535 |
| Additional noninterest expense | $318,000 | 7,679 |
| Pre-tax net operating income | $571,000 | 6,513 |
| Securities gains (losses) | $30,000 | 2,835 |
| Applicable income taxes | $30,000 | 6,839 |
| Income before extraordinary items | $571,000 | 6,093 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $571,000 | 6,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,119 |
| Cash dividends | $542,000 | 3,319 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $542,500 | 6,054 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,409,000 | 7,840 |
| Total interest expense | $966,000 | 8,090 |
| Net interest income | $1,443,000 | 7,430 |
| Provision for loan and lease losses | $91,000 | 5,765 |
| Total noninterest income | $351,000 | 6,017 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $300,000 | 4,165 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $51,000 | 7,655 |
| Total noninterest expense | $1,159,000 | 7,556 |
| Salaries and employee benefits | $633,000 | 7,516 |
| Premises and equipment expense | $214,000 | 6,589 |
| Additional noninterest expense | $312,000 | 7,768 |
| Pre-tax net operating income | $544,000 | 6,382 |
| Securities gains (losses) | $2,000 | 4,242 |
| Applicable income taxes | $30,000 | 7,079 |
| Income before extraordinary items | $516,000 | 5,988 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $516,000 | 5,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,980 |
| Cash dividends | $520,000 | 3,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $514,100 | 5,886 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,382,000 | 8,035 |
| Total interest expense | $1,019,000 | 8,182 |
| Net interest income | $1,363,000 | 7,720 |
| Provision for loan and lease losses | $80,000 | 5,752 |
| Total noninterest income | $322,000 | 6,107 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $266,000 | 4,363 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 7,603 |
| Total noninterest expense | $1,137,000 | 7,650 |
| Salaries and employee benefits | $625,000 | 7,563 |
| Premises and equipment expense | $226,000 | 6,371 |
| Additional noninterest expense | $286,000 | 8,058 |
| Pre-tax net operating income | $468,000 | 7,160 |
| Securities gains (losses) | $2,000 | 1,609 |
| Applicable income taxes | $30,000 | 7,623 |
| Income before extraordinary items | $440,000 | 6,629 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $440,000 | 6,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,048 |
| Cash dividends | $267,000 | 4,693 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $438,120 | 6,656 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,181,000 | 8,294 |
| Total interest expense | $874,000 | 8,507 |
| Net interest income | $1,307,000 | 7,969 |
| Provision for loan and lease losses | $49,000 | 6,592 |
| Total noninterest income | $296,000 | 6,477 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $231,000 | 4,726 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 7,576 |
| Total noninterest expense | $1,123,000 | 7,781 |
| Salaries and employee benefits | $619,000 | 7,650 |
| Premises and equipment expense | $231,000 | 6,323 |
| Additional noninterest expense | $273,000 | 8,356 |
| Pre-tax net operating income | $431,000 | 7,447 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $31,000 | 7,987 |
| Income before extraordinary items | $400,000 | 6,994 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $400,000 | 6,992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,984 |
| Cash dividends | $448,000 | 3,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $400,000 | 6,965 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,108,000 | 8,547 |
| Total interest expense | $800,000 | 8,940 |
| Net interest income | $1,308,000 | 8,103 |
| Provision for loan and lease losses | $29,000 | 7,397 |
| Total noninterest income | $271,000 | 6,761 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $209,000 | 5,029 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 7,734 |
| Total noninterest expense | $943,000 | 8,296 |
| Salaries and employee benefits | $554,000 | 8,027 |
| Premises and equipment expense | $126,000 | 8,146 |
| Additional noninterest expense | $263,000 | 8,471 |
| Pre-tax net operating income | $607,000 | 6,872 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $30,000 | 8,700 |
| Income before extraordinary items | $580,000 | 6,158 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $580,000 | 6,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,985 |
| Cash dividends | $558,000 | 3,282 |
| Sale, conversion, retirement of capital stock, net | $400,000 | 591 |
| Net operating income | $577,150 | 6,062 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,056,000 | 8,931 |
| Total interest expense | $732,000 | 9,460 |
| Net interest income | $1,324,000 | 8,415 |
| Provision for loan and lease losses | $20,000 | 7,880 |
| Total noninterest income | $286,000 | 6,806 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 8,315 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $232,000 | 4,581 |
| Total noninterest expense | $841,000 | 8,888 |
| Salaries and employee benefits | $466,000 | 8,850 |
| Premises and equipment expense | $88,000 | 9,261 |
| Additional noninterest expense | $287,000 | 8,454 |
| Pre-tax net operating income | $749,000 | 6,783 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $30,000 | 9,560 |
| Income before extraordinary items | $719,000 | 5,824 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $719,000 | 5,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,500 |
| Cash dividends | $634,000 | 2,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $719,000 | 5,774 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,895,000 | 9,514 |
| Total interest expense | $628,000 | 10,186 |
| Net interest income | $1,267,000 | 8,849 |
| Provision for loan and lease losses | $16,000 | 8,168 |
| Total noninterest income | $247,000 | 7,627 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $175,000 | 6,012 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 8,006 |
| Total noninterest expense | $824,000 | 9,346 |
| Salaries and employee benefits | $456,000 | 9,203 |
| Premises and equipment expense | $115,000 | 8,909 |
| Additional noninterest expense | $253,000 | 9,368 |
| Pre-tax net operating income | $674,000 | 7,049 |
| Securities gains (losses) | $-11,000 | 10,330 |
| Applicable income taxes | $234,000 | 6,651 |
| Income before extraordinary items | $429,000 | 7,386 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $429,000 | 7,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,473 |
| Cash dividends | $405,000 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $436,150 | 7,282 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,796,000 | 10,034 |
| Total interest expense | $567,000 | 10,785 |
| Net interest income | $1,229,000 | 9,251 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $239,000 | 7,845 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 6,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 8,849 |
| Total noninterest expense | $834,000 | 9,629 |
| Salaries and employee benefits | $453,000 | 9,510 |
| Premises and equipment expense | $110,000 | 9,315 |
| Additional noninterest expense | $271,000 | 9,586 |
| Pre-tax net operating income | $622,000 | 7,756 |
| Securities gains (losses) | $18,000 | 1,987 |
| Applicable income taxes | $197,000 | 7,466 |
| Income before extraordinary items | $443,000 | 7,698 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $443,000 | 7,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,275 |
| Cash dividends | $414,000 | 3,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $430,580 | 7,774 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,675,000 | 10,398 |
| Total interest expense | $434,000 | 11,419 |
| Net interest income | $1,241,000 | 9,646 |
| Provision for loan and lease losses | $12,000 | 8,270 |
| Total noninterest income | $263,000 | 7,767 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 6,191 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 8,286 |
| Total noninterest expense | $828,000 | 10,099 |
| Salaries and employee benefits | $451,000 | 9,826 |
| Premises and equipment expense | $91,000 | 10,316 |
| Additional noninterest expense | $286,000 | 10,119 |
| Pre-tax net operating income | $664,000 | 7,623 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $189,000 | 7,532 |
| Income before extraordinary items | $477,000 | 7,481 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $477,000 | 7,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,341 |
| Cash dividends | $432,000 | 3,543 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $475,560 | 7,536 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,584,000 | 11,026 |
| Total interest expense | $443,000 | 11,987 |
| Net interest income | $1,141,000 | 10,258 |
| Provision for loan and lease losses | $14,000 | 9,467 |
| Total noninterest income | $242,000 | 8,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $197,000 | 6,027 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 10,391 |
| Total noninterest expense | $794,000 | 10,696 |
| Salaries and employee benefits | $434,000 | 10,303 |
| Premises and equipment expense | $89,000 | 10,821 |
| Additional noninterest expense | $271,000 | 10,808 |
| Pre-tax net operating income | $575,000 | 8,127 |
| Securities gains (losses) | $91,000 | 2,627 |
| Applicable income taxes | $210,000 | 7,434 |
| Income before extraordinary items | $456,000 | 7,923 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $456,000 | 8,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 11,050 |
| Cash dividends | $454,000 | 3,345 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $394,120 | 8,214 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,671,000 | 11,573 |
| Total interest expense | $560,000 | 12,484 |
| Net interest income | $1,111,000 | 10,662 |
| Provision for loan and lease losses | $35,000 | 9,755 |
| Total noninterest income | $302,000 | 7,713 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $216,000 | 5,697 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 8,594 |
| Total noninterest expense | $761,000 | 11,199 |
| Salaries and employee benefits | $420,000 | 10,630 |
| Premises and equipment expense | $83,000 | 11,388 |
| Additional noninterest expense | $258,000 | 11,433 |
| Pre-tax net operating income | $617,000 | 7,589 |
| Securities gains (losses) | $27,000 | 5,154 |
| Applicable income taxes | $204,000 | 7,478 |
| Income before extraordinary items | $440,000 | 7,830 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $440,000 | 7,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 8,726 |
| Cash dividends | $393,000 | 3,407 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $421,640 | 7,647 |
* 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.