Home > Highland Falls Federal Savings and Loan Association > Income and Expense
Highland Falls Federal Savings and Loan Association, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $578,000 | 6,867 |
| Total interest expense | $192,000 | 5,843 |
| Net interest income | $386,000 | 6,981 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $7,000 | 6,937 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $3,000 | 6,976 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,000 | 6,626 |
| Total noninterest expense | $546,000 | 6,616 |
| Salaries and employee benefits | $324,000 | 6,482 |
| Premises and equipment expense | $116,000 | 5,556 |
| Additional noninterest expense | $106,000 | 6,978 |
| Pre-tax net operating income | $-153,000 | 6,584 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $4,000 | 4,475 |
| Income before extraordinary items | $-157,000 | 6,684 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-157,000 | 6,685 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-157,000 | 6,685 |
| Net charge-offs | $0 | 5,507 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-157,000 | 6,604 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $295,000 | 6,903 |
| Total interest expense | $96,000 | 5,945 |
| Net interest income | $199,000 | 7,025 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $3,000 | 7,036 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $2,000 | 6,990 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,000 | 6,790 |
| Total noninterest expense | $275,000 | 6,665 |
| Salaries and employee benefits | $160,000 | 6,552 |
| Premises and equipment expense | $66,000 | 5,331 |
| Additional noninterest expense | $49,000 | 7,064 |
| Pre-tax net operating income | $-73,000 | 6,672 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $2,000 | 4,463 |
| Income before extraordinary items | $-75,000 | 6,763 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-75,000 | 6,765 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-75,000 | 6,765 |
| Net charge-offs | $0 | 4,730 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-75,000 | 6,698 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,333,000 | 6,879 |
| Total interest expense | $415,000 | 6,145 |
| Net interest income | $918,000 | 6,997 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $17,000 | 6,914 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $8,000 | 6,869 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $9,000 | 6,552 |
| Total noninterest expense | $1,085,000 | 6,756 |
| Salaries and employee benefits | $650,000 | 6,587 |
| Premises and equipment expense | $258,000 | 5,542 |
| Additional noninterest expense | $177,000 | 7,190 |
| Pre-tax net operating income | $-150,000 | 6,194 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $7,000 | 4,380 |
| Income before extraordinary items | $-157,000 | 6,311 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-157,000 | 6,315 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-157,000 | 6,315 |
| Net charge-offs | $0 | 6,441 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-157,000 | 6,239 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,015,000 | 6,934 |
| Total interest expense | $313,000 | 6,247 |
| Net interest income | $702,000 | 7,049 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $13,000 | 7,028 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $6,000 | 6,925 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $7,000 | 6,714 |
| Total noninterest expense | $796,000 | 6,814 |
| Salaries and employee benefits | $484,000 | 6,618 |
| Premises and equipment expense | $199,000 | 5,530 |
| Additional noninterest expense | $113,000 | 7,312 |
| Pre-tax net operating income | $-81,000 | 6,265 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $5,000 | 4,418 |
| Income before extraordinary items | $-86,000 | 6,395 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-86,000 | 6,398 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-86,000 | 6,398 |
| Net charge-offs | $0 | 6,185 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-86,000 | 6,305 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $691,000 | 6,974 |
| Total interest expense | $209,000 | 6,362 |
| Net interest income | $482,000 | 7,090 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $9,000 | 7,121 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $4,000 | 6,967 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,000 | 6,772 |
| Total noninterest expense | $526,000 | 6,895 |
| Salaries and employee benefits | $313,000 | 6,725 |
| Premises and equipment expense | $135,000 | 5,527 |
| Additional noninterest expense | $78,000 | 7,382 |
| Pre-tax net operating income | $-35,000 | 6,295 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $3,000 | 4,420 |
| Income before extraordinary items | $-38,000 | 6,396 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-38,000 | 6,395 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-38,000 | 6,396 |
| Net charge-offs | $0 | 5,875 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-38,000 | 6,336 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $347,000 | 7,025 |
| Total interest expense | $104,000 | 6,463 |
| Net interest income | $243,000 | 7,130 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $5,000 | 7,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 6,969 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $3,000 | 6,858 |
| Total noninterest expense | $258,000 | 6,958 |
| Salaries and employee benefits | $153,000 | 6,804 |
| Premises and equipment expense | $67,000 | 5,600 |
| Additional noninterest expense | $38,000 | 7,453 |
| Pre-tax net operating income | $-10,000 | 6,395 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $1,000 | 4,403 |
| Income before extraordinary items | $-11,000 | 6,444 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-11,000 | 6,444 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-11,000 | 6,444 |
| Net charge-offs | $0 | 5,107 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-11,000 | 6,423 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,460,000 | 7,083 |
| Total interest expense | $485,000 | 6,569 |
| Net interest income | $975,000 | 7,192 |
| Provision for loan and lease losses | $0 | 7,042 |
| Total noninterest income | $-1,107,000 | 7,553 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-1,124,000 | 7,646 |
| Additional Noninterest Income | $17,000 | 6,653 |
| Total noninterest expense | $1,074,000 | 6,999 |
| Salaries and employee benefits | $659,000 | 6,780 |
| Premises and equipment expense | $266,000 | 5,679 |
| Additional noninterest expense | $149,000 | 7,528 |
| Pre-tax net operating income | $-1,206,000 | 6,561 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-441,000 | 7,138 |
| Income before extraordinary items | $-765,000 | 6,488 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-765,000 | 6,490 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-765,000 | 6,490 |
| Net charge-offs | $0 | 6,851 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-765,000 | 6,444 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,106,000 | 7,178 |
| Total interest expense | $369,000 | 6,682 |
| Net interest income | $737,000 | 7,283 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $-1,110,000 | 7,700 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-1,124,000 | 7,751 |
| Additional Noninterest Income | $14,000 | 6,805 |
| Total noninterest expense | $799,000 | 7,071 |
| Salaries and employee benefits | $493,000 | 6,840 |
| Premises and equipment expense | $191,000 | 5,821 |
| Additional noninterest expense | $115,000 | 7,610 |
| Pre-tax net operating income | $-1,172,000 | 6,843 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-443,000 | 7,348 |
| Income before extraordinary items | $-729,000 | 6,787 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-729,000 | 6,788 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-729,000 | 6,788 |
| Net charge-offs | $0 | 6,672 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-729,000 | 6,742 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $739,000 | 7,238 |
| Total interest expense | $250,000 | 6,753 |
| Net interest income | $489,000 | 7,346 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $-1,114,000 | 7,787 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-1,124,000 | 7,823 |
| Additional Noninterest Income | $10,000 | 6,845 |
| Total noninterest expense | $543,000 | 7,115 |
| Salaries and employee benefits | $336,000 | 6,853 |
| Premises and equipment expense | $126,000 | 5,870 |
| Additional noninterest expense | $81,000 | 7,657 |
| Pre-tax net operating income | $-1,168,000 | 7,070 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-445,000 | 7,466 |
| Income before extraordinary items | $-723,000 | 6,974 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-723,000 | 6,974 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-723,000 | 6,974 |
| Net charge-offs | $0 | 6,372 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-723,000 | 6,943 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $364,000 | 7,356 |
| Total interest expense | $126,000 | 6,852 |
| Net interest income | $238,000 | 7,452 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $6,000 | 7,533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $6,000 | 6,920 |
| Total noninterest expense | $267,000 | 7,216 |
| Salaries and employee benefits | $170,000 | 6,925 |
| Premises and equipment expense | $64,000 | 5,914 |
| Additional noninterest expense | $33,000 | 7,824 |
| Pre-tax net operating income | $-23,000 | 6,392 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $1,000 | 4,457 |
| Income before extraordinary items | $-24,000 | 6,514 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-24,000 | 6,516 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-24,000 | 6,515 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-24,000 | 6,434 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,567,000 | 7,372 |
| Total interest expense | $613,000 | 6,888 |
| Net interest income | $954,000 | 7,483 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $17,000 | 7,604 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $17,000 | 7,025 |
| Total noninterest expense | $1,044,000 | 7,326 |
| Salaries and employee benefits | $669,000 | 7,046 |
| Premises and equipment expense | $247,000 | 6,088 |
| Additional noninterest expense | $128,000 | 7,921 |
| Pre-tax net operating income | $-73,000 | 5,543 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-15,000 | 6,274 |
| Income before extraordinary items | $-58,000 | 5,635 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-58,000 | 5,633 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-58,000 | 5,633 |
| Net charge-offs | $0 | 7,246 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-58,000 | 5,609 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,195,000 | 7,440 |
| Total interest expense | $474,000 | 6,969 |
| Net interest income | $721,000 | 7,548 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $9,000 | 7,766 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $9,000 | 7,300 |
| Total noninterest expense | $767,000 | 7,397 |
| Salaries and employee benefits | $501,000 | 7,079 |
| Premises and equipment expense | $185,000 | 6,139 |
| Additional noninterest expense | $81,000 | 8,030 |
| Pre-tax net operating income | $-37,000 | 5,761 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $2,000 | 4,371 |
| Income before extraordinary items | $-39,000 | 5,860 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-39,000 | 5,859 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-39,000 | 5,859 |
| Net charge-offs | $0 | 6,987 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-39,000 | 5,810 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $807,000 | 7,492 |
| Total interest expense | $324,000 | 7,038 |
| Net interest income | $483,000 | 7,596 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $6,000 | 7,866 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $6,000 | 7,431 |
| Total noninterest expense | $512,000 | 7,467 |
| Salaries and employee benefits | $339,000 | 7,122 |
| Premises and equipment expense | $126,000 | 6,151 |
| Additional noninterest expense | $47,000 | 8,136 |
| Pre-tax net operating income | $-23,000 | 5,887 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-23,000 | 5,992 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-23,000 | 5,991 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-23,000 | 5,991 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-23,000 | 5,925 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $409,000 | 7,529 |
| Total interest expense | $166,000 | 7,083 |
| Net interest income | $243,000 | 7,624 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $3,000 | 7,960 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $3,000 | 7,508 |
| Total noninterest expense | $257,000 | 7,487 |
| Salaries and employee benefits | $169,000 | 7,174 |
| Premises and equipment expense | $64,000 | 6,148 |
| Additional noninterest expense | $24,000 | 8,175 |
| Pre-tax net operating income | $-11,000 | 6,303 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-11,000 | 6,464 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-11,000 | 6,464 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-11,000 | 6,465 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-11,000 | 6,324 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,880,000 | 7,416 |
| Total interest expense | $878,000 | 6,988 |
| Net interest income | $1,002,000 | 7,588 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $4,000 | 8,061 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $4,000 | 7,828 |
| Total noninterest expense | $1,023,000 | 7,512 |
| Salaries and employee benefits | $661,000 | 7,257 |
| Premises and equipment expense | $257,000 | 6,180 |
| Additional noninterest expense | $105,000 | 8,198 |
| Pre-tax net operating income | $-17,000 | 6,357 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $4,000 | 4,719 |
| Income before extraordinary items | $-21,000 | 6,273 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-21,000 | 6,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,263 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-21,000 | 6,412 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,457,000 | 7,453 |
| Total interest expense | $691,000 | 7,026 |
| Net interest income | $766,000 | 7,635 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $3,000 | 8,184 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $3,000 | 7,993 |
| Total noninterest expense | $787,000 | 7,494 |
| Salaries and employee benefits | $511,000 | 7,212 |
| Premises and equipment expense | $196,000 | 6,154 |
| Additional noninterest expense | $80,000 | 8,265 |
| Pre-tax net operating income | $-18,000 | 6,788 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $4,000 | 5,079 |
| Income before extraordinary items | $-22,000 | 6,643 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-22,000 | 6,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,452 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-22,000 | 6,821 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $997,000 | 7,485 |
| Total interest expense | $482,000 | 7,069 |
| Net interest income | $515,000 | 7,660 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $2,000 | 8,267 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,000 | 8,087 |
| Total noninterest expense | $546,000 | 7,494 |
| Salaries and employee benefits | $356,000 | 7,203 |
| Premises and equipment expense | $137,000 | 6,068 |
| Additional noninterest expense | $53,000 | 8,324 |
| Pre-tax net operating income | $-29,000 | 7,043 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $2,000 | 5,394 |
| Income before extraordinary items | $-31,000 | 7,110 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-31,000 | 7,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-31,000 | 7,076 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $513,000 | 7,515 |
| Total interest expense | $250,000 | 7,136 |
| Net interest income | $263,000 | 7,688 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $0 | 8,338 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $0 | 8,220 |
| Total noninterest expense | $285,000 | 7,465 |
| Salaries and employee benefits | $189,000 | 7,104 |
| Premises and equipment expense | $68,000 | 6,121 |
| Additional noninterest expense | $28,000 | 8,343 |
| Pre-tax net operating income | $-22,000 | 7,292 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $1,000 | 5,476 |
| Income before extraordinary items | $-23,000 | 7,409 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-23,000 | 7,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-23,000 | 7,342 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,280,000 | 7,350 |
| Total interest expense | $993,000 | 7,180 |
| Net interest income | $1,287,000 | 7,388 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $5,000 | 8,355 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $5,000 | 8,181 |
| Total noninterest expense | $1,148,000 | 7,443 |
| Salaries and employee benefits | $767,000 | 7,066 |
| Premises and equipment expense | $274,000 | 5,993 |
| Additional noninterest expense | $107,000 | 8,396 |
| Pre-tax net operating income | $144,000 | 7,023 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $33,000 | 5,167 |
| Income before extraordinary items | $111,000 | 7,095 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $111,000 | 7,094 |
| 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 | $111,000 | 7,069 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,735,000 | 7,370 |
| Total interest expense | $732,000 | 7,235 |
| Net interest income | $1,003,000 | 7,386 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $4,000 | 8,387 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $4,000 | 8,224 |
| Total noninterest expense | $866,000 | 7,405 |
| Salaries and employee benefits | $581,000 | 7,019 |
| Premises and equipment expense | $209,000 | 5,970 |
| Additional noninterest expense | $76,000 | 8,430 |
| Pre-tax net operating income | $141,000 | 7,177 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $46,000 | 5,004 |
| Income before extraordinary items | $95,000 | 7,293 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $95,000 | 7,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $95,000 | 7,277 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,160,000 | 7,421 |
| Total interest expense | $477,000 | 7,300 |
| Net interest income | $683,000 | 7,402 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $3,000 | 8,449 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $3,000 | 8,264 |
| Total noninterest expense | $581,000 | 7,453 |
| Salaries and employee benefits | $386,000 | 7,075 |
| Premises and equipment expense | $143,000 | 5,942 |
| Additional noninterest expense | $52,000 | 8,474 |
| Pre-tax net operating income | $105,000 | 7,213 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $46,000 | 4,826 |
| Income before extraordinary items | $59,000 | 7,417 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $59,000 | 7,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $59,000 | 7,408 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $579,000 | 7,459 |
| Total interest expense | $230,000 | 7,376 |
| Net interest income | $349,000 | 7,401 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $1,000 | 8,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,000 | 8,340 |
| Total noninterest expense | $292,000 | 7,477 |
| Salaries and employee benefits | $193,000 | 7,125 |
| Premises and equipment expense | $74,000 | 5,891 |
| Additional noninterest expense | $25,000 | 8,508 |
| Pre-tax net operating income | $58,000 | 7,191 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $30,000 | 4,619 |
| Income before extraordinary items | $28,000 | 7,495 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $28,000 | 7,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $28,000 | 7,479 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,247,000 | 7,348 |
| Total interest expense | $800,000 | 7,323 |
| Net interest income | $1,447,000 | 7,249 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $10,000 | 8,485 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $10,000 | 8,253 |
| Total noninterest expense | $1,100,000 | 7,551 |
| Salaries and employee benefits | $726,000 | 7,189 |
| Premises and equipment expense | $260,000 | 6,109 |
| Additional noninterest expense | $114,000 | 8,512 |
| Pre-tax net operating income | $357,000 | 6,922 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $146,000 | 4,627 |
| Income before extraordinary items | $211,000 | 7,229 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $211,000 | 7,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $211,000 | 7,219 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,664,000 | 7,407 |
| Total interest expense | $576,000 | 7,379 |
| Net interest income | $1,088,000 | 7,311 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $8,000 | 8,564 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $8,000 | 8,304 |
| Total noninterest expense | $839,000 | 7,532 |
| Salaries and employee benefits | $559,000 | 7,124 |
| Premises and equipment expense | $196,000 | 6,131 |
| Additional noninterest expense | $84,000 | 8,565 |
| Pre-tax net operating income | $257,000 | 7,204 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $95,000 | 4,971 |
| Income before extraordinary items | $162,000 | 7,421 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $162,000 | 7,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $162,000 | 7,422 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,096,000 | 7,448 |
| Total interest expense | $367,000 | 7,414 |
| Net interest income | $729,000 | 7,355 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $6,000 | 8,600 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $6,000 | 8,317 |
| Total noninterest expense | $566,000 | 7,545 |
| Salaries and employee benefits | $374,000 | 7,142 |
| Premises and equipment expense | $132,000 | 6,106 |
| Additional noninterest expense | $60,000 | 8,570 |
| Pre-tax net operating income | $169,000 | 7,277 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $64,000 | 5,006 |
| Income before extraordinary items | $105,000 | 7,497 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $105,000 | 7,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $105,000 | 7,503 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $540,000 | 7,463 |
| Total interest expense | $173,000 | 7,482 |
| Net interest income | $367,000 | 7,356 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $2,000 | 8,640 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $2,000 | 8,382 |
| Total noninterest expense | $283,000 | 7,556 |
| Salaries and employee benefits | $185,000 | 7,194 |
| Premises and equipment expense | $68,000 | 6,040 |
| Additional noninterest expense | $30,000 | 8,585 |
| Pre-tax net operating income | $86,000 | 7,233 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $31,000 | 4,987 |
| Income before extraordinary items | $55,000 | 7,455 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $55,000 | 7,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $55,000 | 7,461 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,061,000 | 7,399 |
| Total interest expense | $612,000 | 7,296 |
| Net interest income | $1,449,000 | 7,368 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $13,000 | 8,642 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $13,000 | 8,328 |
| Total noninterest expense | $1,096,000 | 7,580 |
| Salaries and employee benefits | $685,000 | 7,324 |
| Premises and equipment expense | $245,000 | 6,267 |
| Additional noninterest expense | $166,000 | 8,412 |
| Pre-tax net operating income | $366,000 | 7,175 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $114,000 | 5,263 |
| Income before extraordinary items | $252,000 | 7,364 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $252,000 | 7,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $252,000 | 7,342 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,526,000 | 7,432 |
| Total interest expense | $440,000 | 7,319 |
| Net interest income | $1,086,000 | 7,409 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $11,000 | 8,694 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,000 | 8,325 |
| Total noninterest expense | $839,000 | 7,529 |
| Salaries and employee benefits | $528,000 | 7,235 |
| Premises and equipment expense | $186,000 | 6,209 |
| Additional noninterest expense | $125,000 | 8,410 |
| Pre-tax net operating income | $258,000 | 7,386 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $93,000 | 5,323 |
| Income before extraordinary items | $165,000 | 7,636 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $165,000 | 7,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $165,000 | 7,603 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $999,000 | 7,453 |
| Total interest expense | $280,000 | 7,316 |
| Net interest income | $719,000 | 7,433 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $7,000 | 8,700 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $7,000 | 8,349 |
| Total noninterest expense | $561,000 | 7,529 |
| Salaries and employee benefits | $343,000 | 7,306 |
| Premises and equipment expense | $124,000 | 6,206 |
| Additional noninterest expense | $94,000 | 8,273 |
| Pre-tax net operating income | $165,000 | 7,439 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $62,000 | 5,321 |
| Income before extraordinary items | $103,000 | 7,717 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $103,000 | 7,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $103,000 | 7,671 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $495,000 | 7,511 |
| Total interest expense | $133,000 | 7,378 |
| Net interest income | $362,000 | 7,465 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $3,000 | 8,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,454 |
| Total noninterest expense | $282,000 | 7,575 |
| Salaries and employee benefits | $169,000 | 7,392 |
| Premises and equipment expense | $65,000 | 6,146 |
| Additional noninterest expense | $48,000 | 8,312 |
| Pre-tax net operating income | $83,000 | 7,447 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $31,000 | 5,273 |
| Income before extraordinary items | $52,000 | 7,732 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $52,000 | 7,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $52,000 | 7,707 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,922,000 | 7,463 |
| Total interest expense | $565,000 | 7,077 |
| Net interest income | $1,357,000 | 7,510 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $18,000 | 8,790 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $18,000 | 8,274 |
| Total noninterest expense | $1,093,000 | 7,635 |
| Salaries and employee benefits | $750,000 | 7,116 |
| Premises and equipment expense | $234,000 | 6,361 |
| Additional noninterest expense | $109,000 | 8,786 |
| Pre-tax net operating income | $282,000 | 7,499 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $109,000 | 5,421 |
| Income before extraordinary items | $173,000 | 7,772 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $173,000 | 7,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $173,000 | 7,734 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,435,000 | 7,498 |
| Total interest expense | $425,000 | 7,074 |
| Net interest income | $1,010,000 | 7,558 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $13,000 | 8,864 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $13,000 | 8,331 |
| Total noninterest expense | $801,000 | 7,642 |
| Salaries and employee benefits | $544,000 | 7,149 |
| Premises and equipment expense | $183,000 | 6,237 |
| Additional noninterest expense | $74,000 | 8,852 |
| Pre-tax net operating income | $222,000 | 7,586 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $84,000 | 5,535 |
| Income before extraordinary items | $138,000 | 7,860 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $138,000 | 7,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $138,000 | 7,814 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $950,000 | 7,548 |
| Total interest expense | $292,000 | 7,029 |
| Net interest income | $658,000 | 7,636 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $6,000 | 8,946 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $6,000 | 8,561 |
| Total noninterest expense | $517,000 | 7,759 |
| Salaries and employee benefits | $353,000 | 7,284 |
| Premises and equipment expense | $116,000 | 6,415 |
| Additional noninterest expense | $48,000 | 8,917 |
| Pre-tax net operating income | $147,000 | 7,563 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $58,000 | 5,479 |
| Income before extraordinary items | $89,000 | 7,890 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $89,000 | 7,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $89,000 | 7,828 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $474,000 | 7,605 |
| Total interest expense | $147,000 | 7,076 |
| Net interest income | $327,000 | 7,676 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $4,000 | 8,960 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $4,000 | 8,419 |
| Total noninterest expense | $258,000 | 7,811 |
| Salaries and employee benefits | $178,000 | 7,301 |
| Premises and equipment expense | $57,000 | 6,454 |
| Additional noninterest expense | $23,000 | 8,965 |
| Pre-tax net operating income | $73,000 | 7,556 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $36,000 | 5,209 |
| Income before extraordinary items | $37,000 | 8,024 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $37,000 | 8,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $37,000 | 7,962 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,070,000 | 7,473 |
| Total interest expense | $750,000 | 6,876 |
| Net interest income | $1,320,000 | 7,630 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $29,000 | 8,949 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $29,000 | 8,154 |
| Total noninterest expense | $969,000 | 7,964 |
| Salaries and employee benefits | $629,000 | 7,585 |
| Premises and equipment expense | $243,000 | 6,261 |
| Additional noninterest expense | $97,000 | 9,018 |
| Pre-tax net operating income | $380,000 | 7,121 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $191,000 | 4,984 |
| Income before extraordinary items | $189,000 | 7,811 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $189,000 | 7,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,760 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $189,000 | 7,685 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,585,000 | 7,524 |
| Total interest expense | $582,000 | 6,932 |
| Net interest income | $1,003,000 | 7,660 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $25,000 | 8,985 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $25,000 | 8,058 |
| Total noninterest expense | $713,000 | 7,989 |
| Salaries and employee benefits | $459,000 | 7,617 |
| Premises and equipment expense | $186,000 | 6,196 |
| Additional noninterest expense | $68,000 | 9,079 |
| Pre-tax net operating income | $315,000 | 7,099 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $149,000 | 5,100 |
| Income before extraordinary items | $166,000 | 7,809 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $166,000 | 7,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,722 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $166,000 | 7,660 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,082,000 | 7,525 |
| Total interest expense | $412,000 | 6,899 |
| Net interest income | $670,000 | 7,688 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $15,000 | 9,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $15,000 | 8,141 |
| Total noninterest expense | $473,000 | 8,009 |
| Salaries and employee benefits | $300,000 | 7,690 |
| Premises and equipment expense | $127,000 | 6,126 |
| Additional noninterest expense | $46,000 | 9,097 |
| Pre-tax net operating income | $212,000 | 7,114 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $107,000 | 5,036 |
| Income before extraordinary items | $105,000 | 7,902 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $105,000 | 7,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,754 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $105,000 | 7,729 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $552,000 | 7,521 |
| Total interest expense | $213,000 | 6,902 |
| Net interest income | $339,000 | 7,665 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $7,000 | 9,082 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $7,000 | 8,228 |
| Total noninterest expense | $237,000 | 8,041 |
| Salaries and employee benefits | $148,000 | 7,751 |
| Premises and equipment expense | $67,000 | 5,985 |
| Additional noninterest expense | $22,000 | 9,147 |
| Pre-tax net operating income | $109,000 | 7,056 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $65,000 | 4,700 |
| Income before extraordinary items | $44,000 | 8,014 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $44,000 | 8,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,858 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $44,000 | 7,863 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,372,000 | 7,468 |
| Total interest expense | $1,106,000 | 6,670 |
| Net interest income | $1,266,000 | 7,808 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $55,000 | 8,921 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $55,000 | 7,472 |
| Total noninterest expense | $921,000 | 8,107 |
| Salaries and employee benefits | $575,000 | 7,822 |
| Premises and equipment expense | $252,000 | 6,109 |
| Additional noninterest expense | $94,000 | 9,190 |
| Pre-tax net operating income | $400,000 | 7,163 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $99,000 | 5,970 |
| Income before extraordinary items | $301,000 | 7,316 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $301,000 | 7,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $301,000 | 7,210 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,735,000 | 7,512 |
| Total interest expense | $1,662,000 | 6,669 |
| Net interest income | $1,073,000 | 8,141 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $45,000 | 9,216 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $45,000 | 7,826 |
| Total noninterest expense | $873,000 | 8,273 |
| Salaries and employee benefits | $545,000 | 7,954 |
| Premises and equipment expense | $241,000 | 6,196 |
| Additional noninterest expense | $87,000 | 9,445 |
| Pre-tax net operating income | $245,000 | 7,667 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $94,000 | 6,080 |
| Income before extraordinary items | $151,000 | 8,024 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $151,000 | 8,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,344 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $151,000 | 7,908 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,884,000 | 7,530 |
| Total interest expense | $1,598,000 | 6,971 |
| Net interest income | $1,286,000 | 7,897 |
| Provision for loan and lease losses | $30,000 | 7,204 |
| Total noninterest income | $40,000 | 9,456 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $40,000 | 8,167 |
| Total noninterest expense | $840,000 | 8,451 |
| Salaries and employee benefits | $513,000 | 8,185 |
| Premises and equipment expense | $230,000 | 6,312 |
| Additional noninterest expense | $97,000 | 9,648 |
| Pre-tax net operating income | $456,000 | 7,212 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $162,000 | 5,786 |
| Income before extraordinary items | $294,000 | 7,513 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $294,000 | 7,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $294,000 | 7,516 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,815,000 | 7,590 |
| Total interest expense | $1,692,000 | 6,561 |
| Net interest income | $1,123,000 | 8,355 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $23,000 | 9,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $23,000 | 9,132 |
| Total noninterest expense | $815,000 | 8,683 |
| Salaries and employee benefits | $479,000 | 8,465 |
| Premises and equipment expense | $232,000 | 6,305 |
| Additional noninterest expense | $104,000 | 9,897 |
| Pre-tax net operating income | $271,000 | 8,250 |
| Securities gains (losses) | $117,000 | 683 |
| Applicable income taxes | $146,000 | 6,331 |
| Income before extraordinary items | $242,000 | 7,988 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $242,000 | 7,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 9,262 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $167,120 | 8,492 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,047,000 | 7,482 |
| Total interest expense | $1,865,000 | 6,428 |
| Net interest income | $1,182,000 | 8,364 |
| Provision for loan and lease losses | $30,000 | 7,298 |
| Total noninterest income | $50,000 | 9,843 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $50,000 | 8,161 |
| Total noninterest expense | $822,000 | 8,710 |
| Salaries and employee benefits | $467,000 | 8,557 |
| Premises and equipment expense | $245,000 | 6,041 |
| Additional noninterest expense | $110,000 | 10,052 |
| Pre-tax net operating income | $380,000 | 7,981 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $153,000 | 6,799 |
| Income before extraordinary items | $227,000 | 8,415 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $227,000 | 8,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $227,000 | 8,339 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,158,000 | 7,565 |
| Total interest expense | $1,882,000 | 6,508 |
| Net interest income | $1,276,000 | 8,520 |
| Provision for loan and lease losses | $105,000 | 5,052 |
| Total noninterest income | $39,000 | 10,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $39,000 | 8,910 |
| Total noninterest expense | $967,000 | 8,460 |
| Salaries and employee benefits | $422,000 | 9,127 |
| Premises and equipment expense | $208,000 | 6,702 |
| Additional noninterest expense | $337,000 | 7,933 |
| Pre-tax net operating income | $243,000 | 9,332 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $87,000 | 8,619 |
| Income before extraordinary items | $156,000 | 9,528 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $156,000 | 9,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $302,000 | 1,949 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $156,000 | 9,486 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,187,000 | 7,750 |
| Total interest expense | $1,956,000 | 6,504 |
| Net interest income | $1,231,000 | 8,963 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $125,000 | 9,446 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $125,000 | 6,477 |
| Total noninterest expense | $1,057,000 | 8,482 |
| Salaries and employee benefits | $430,000 | 9,395 |
| Premises and equipment expense | $196,000 | 7,094 |
| Additional noninterest expense | $431,000 | 7,620 |
| Pre-tax net operating income | $239,000 | 9,553 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $120,000 | 8,404 |
| Income before extraordinary items | $119,000 | 10,054 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $119,000 | 10,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $119,000 | 9,999 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,244,000 | 7,871 |
| Total interest expense | $1,863,000 | 6,751 |
| Net interest income | $1,381,000 | 8,839 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $63,000 | 11,107 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $63,000 | 8,620 |
| Total noninterest expense | $816,000 | 9,705 |
| Salaries and employee benefits | $461,000 | 9,441 |
| Premises and equipment expense | $192,000 | 7,359 |
| Additional noninterest expense | $163,000 | 10,901 |
| Pre-tax net operating income | $568,000 | 8,058 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $263,000 | 6,470 |
| Income before extraordinary items | $305,000 | 8,891 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $305,000 | 8,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $305,000 | 8,860 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,793,000 | 8,394 |
| Total interest expense | $1,414,000 | 7,163 |
| Net interest income | $1,379,000 | 9,217 |
| Provision for loan and lease losses | $108,000 | 4,394 |
| Total noninterest income | $49,000 | 11,955 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $49,000 | 9,662 |
| Total noninterest expense | $774,000 | 10,362 |
| Salaries and employee benefits | $424,000 | 10,064 |
| Premises and equipment expense | $187,000 | 7,705 |
| Additional noninterest expense | $163,000 | 11,616 |
| Pre-tax net operating income | $546,000 | 8,343 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $234,000 | 6,767 |
| Income before extraordinary items | $312,000 | 9,013 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $312,000 | 9,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,849 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $312,000 | 9,086 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,778,000 | 8,700 |
| Total interest expense | $1,563,000 | 7,007 |
| Net interest income | $1,215,000 | 10,022 |
| Provision for loan and lease losses | $232,000 | 3,600 |
| Total noninterest income | $40,000 | 12,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $40,000 | 10,664 |
| Total noninterest expense | $737,000 | 10,983 |
| Salaries and employee benefits | $401,000 | 10,622 |
| Premises and equipment expense | $191,000 | 7,864 |
| Additional noninterest expense | $145,000 | 12,490 |
| Pre-tax net operating income | $286,000 | 10,353 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $93,000 | 9,919 |
| Income before extraordinary items | $193,000 | 10,734 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $193,000 | 10,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 8,555 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $193,000 | 10,513 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,280,000 | 8,503 |
| Total interest expense | $2,100,000 | 6,867 |
| Net interest income | $1,180,000 | 10,395 |
| Provision for loan and lease losses | $130,000 | 6,495 |
| Total noninterest income | $64,000 | 12,732 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $64,000 | 9,594 |
| Total noninterest expense | $697,000 | 11,533 |
| Salaries and employee benefits | $357,000 | 11,368 |
| Premises and equipment expense | $184,000 | 8,213 |
| Additional noninterest expense | $156,000 | 12,847 |
| Pre-tax net operating income | $417,000 | 9,089 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $154,000 | 8,513 |
| Income before extraordinary items | $263,000 | 9,745 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $263,000 | 9,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 9,883 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $263,000 | 9,376 |
* 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.