Home > Hyde Park Bank and Trust Company > Income and Expense
Hyde Park Bank and Trust Company, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $10,028,000 | 1,998 |
| Total interest expense | $3,199,000 | 1,103 |
| Net interest income | $6,829,000 | 2,401 |
| Provision for loan and lease losses | $600,000 | 2,031 |
| Total noninterest income | $893,000 | 2,990 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $318,000 | 2,844 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $575,000 | 2,737 |
| Total noninterest expense | $6,888,000 | 2,091 |
| Salaries and employee benefits | $4,001,000 | 1,879 |
| Premises and equipment expense | $117,000 | 6,135 |
| Additional noninterest expense | $2,770,000 | 1,791 |
| Pre-tax net operating income | $234,000 | 5,558 |
| Securities gains (losses) | $1,632,000 | 252 |
| Applicable income taxes | $586,000 | 1,775 |
| Income before extraordinary items | $1,280,000 | 2,939 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,280,000 | 2,939 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,280,000 | 2,938 |
| Net charge-offs | $171,000 | 3,465 |
| Cash dividends | $864,000 | 1,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $153,920 | 5,760 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $6,796,000 | 1,980 |
| Total interest expense | $2,158,000 | 1,136 |
| Net interest income | $4,638,000 | 2,348 |
| Provision for loan and lease losses | $675,000 | 1,451 |
| Total noninterest income | $624,000 | 2,871 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $210,000 | 2,849 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $414,000 | 2,598 |
| Total noninterest expense | $4,562,000 | 2,106 |
| Salaries and employee benefits | $2,691,000 | 1,857 |
| Premises and equipment expense | $37,000 | 6,855 |
| Additional noninterest expense | $1,834,000 | 1,815 |
| Pre-tax net operating income | $25,000 | 6,213 |
| Securities gains (losses) | $1,605,000 | 170 |
| Applicable income taxes | $545,000 | 1,414 |
| Income before extraordinary items | $1,085,000 | 2,464 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,085,000 | 2,464 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,085,000 | 2,464 |
| Net charge-offs | $82,000 | 3,600 |
| Cash dividends | $645,000 | 1,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $9,650 | 6,289 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,428,000 | 1,973 |
| Total interest expense | $1,104,000 | 1,147 |
| Net interest income | $2,324,000 | 2,353 |
| Provision for loan and lease losses | $675,000 | 847 |
| Total noninterest income | $288,000 | 3,004 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $102,000 | 2,891 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $186,000 | 2,759 |
| Total noninterest expense | $2,380,000 | 2,011 |
| Salaries and employee benefits | $1,382,000 | 1,814 |
| Premises and equipment expense | $43,000 | 6,083 |
| Additional noninterest expense | $955,000 | 1,743 |
| Pre-tax net operating income | $-443,000 | 7,016 |
| Securities gains (losses) | $1,137,000 | 119 |
| Applicable income taxes | $220,000 | 1,622 |
| Income before extraordinary items | $474,000 | 2,718 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $474,000 | 2,720 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $474,000 | 2,721 |
| Net charge-offs | $125,000 | 2,266 |
| Cash dividends | $322,000 | 1,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-299,160 | 6,955 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $14,762,000 | 1,910 |
| Total interest expense | $4,900,000 | 1,233 |
| Net interest income | $9,862,000 | 2,214 |
| Provision for loan and lease losses | $2,500,000 | 1,336 |
| Total noninterest income | $923,000 | 3,253 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $459,000 | 2,754 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $464,000 | 3,215 |
| Total noninterest expense | $9,301,000 | 2,055 |
| Salaries and employee benefits | $5,573,000 | 1,737 |
| Premises and equipment expense | $228,000 | 5,794 |
| Additional noninterest expense | $3,500,000 | 1,921 |
| Pre-tax net operating income | $-1,016,000 | 6,585 |
| Securities gains (losses) | $2,683,000 | 182 |
| Applicable income taxes | $266,000 | 2,637 |
| Income before extraordinary items | $1,401,000 | 2,920 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,401,000 | 2,922 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,401,000 | 2,922 |
| Net charge-offs | $2,474,000 | 1,359 |
| Cash dividends | $1,058,000 | 1,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-852,720 | 6,578 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $11,220,000 | 1,907 |
| Total interest expense | $3,745,000 | 1,270 |
| Net interest income | $7,475,000 | 2,206 |
| Provision for loan and lease losses | $1,300,000 | 1,655 |
| Total noninterest income | $753,000 | 3,112 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $342,000 | 2,770 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $411,000 | 2,996 |
| Total noninterest expense | $8,046,000 | 1,803 |
| Salaries and employee benefits | $4,157,000 | 1,754 |
| Premises and equipment expense | $227,000 | 5,258 |
| Additional noninterest expense | $3,662,000 | 1,412 |
| Pre-tax net operating income | $-1,118,000 | 6,826 |
| Securities gains (losses) | $2,296,000 | 168 |
| Applicable income taxes | $153,000 | 2,898 |
| Income before extraordinary items | $1,025,000 | 3,015 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,025,000 | 3,017 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,025,000 | 3,017 |
| Net charge-offs | $1,238,000 | 1,692 |
| Cash dividends | $800,000 | 1,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-972,520 | 6,822 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,520,000 | 1,905 |
| Total interest expense | $2,538,000 | 1,297 |
| Net interest income | $4,982,000 | 2,203 |
| Provision for loan and lease losses | $200,000 | 3,519 |
| Total noninterest income | $583,000 | 2,847 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $225,000 | 2,789 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $358,000 | 2,609 |
| Total noninterest expense | $4,928,000 | 1,954 |
| Salaries and employee benefits | $2,756,000 | 1,780 |
| Premises and equipment expense | $204,000 | 4,610 |
| Additional noninterest expense | $1,968,000 | 1,746 |
| Pre-tax net operating income | $437,000 | 4,052 |
| Securities gains (losses) | $421,000 | 416 |
| Applicable income taxes | $127,000 | 2,659 |
| Income before extraordinary items | $731,000 | 2,835 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $731,000 | 2,837 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $731,000 | 2,837 |
| Net charge-offs | $24,000 | 4,955 |
| Cash dividends | $529,000 | 1,366 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $373,150 | 4,017 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,814,000 | 1,883 |
| Total interest expense | $1,277,000 | 1,329 |
| Net interest income | $2,537,000 | 2,141 |
| Provision for loan and lease losses | $100,000 | 3,337 |
| Total noninterest income | $273,000 | 2,986 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $108,000 | 2,820 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $165,000 | 2,741 |
| Total noninterest expense | $2,499,000 | 1,941 |
| Salaries and employee benefits | $1,395,000 | 1,769 |
| Premises and equipment expense | $131,000 | 4,040 |
| Additional noninterest expense | $973,000 | 1,746 |
| Pre-tax net operating income | $211,000 | 4,149 |
| Securities gains (losses) | $50,000 | 760 |
| Applicable income taxes | $-6,000 | 6,967 |
| Income before extraordinary items | $267,000 | 3,453 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $267,000 | 3,450 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $267,000 | 3,451 |
| Net charge-offs | $0 | 5,107 |
| Cash dividends | $232,000 | 1,310 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $217,000 | 3,787 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $15,920,000 | 1,901 |
| Total interest expense | $5,421,000 | 1,535 |
| Net interest income | $10,499,000 | 2,078 |
| Provision for loan and lease losses | $2,150,000 | 1,973 |
| Total noninterest income | $175,000 | 6,128 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $521,000 | 2,564 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-346,000 | 7,358 |
| Total noninterest expense | $9,150,000 | 2,116 |
| Salaries and employee benefits | $5,034,000 | 1,932 |
| Premises and equipment expense | $686,000 | 3,358 |
| Additional noninterest expense | $3,430,000 | 2,036 |
| Pre-tax net operating income | $-626,000 | 6,315 |
| Securities gains (losses) | $3,072,000 | 174 |
| Applicable income taxes | $445,000 | 2,007 |
| Income before extraordinary items | $2,001,000 | 2,025 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,001,000 | 2,026 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $2,001,000 | 2,027 |
| Net charge-offs | $2,550,000 | 1,611 |
| Cash dividends | $800,000 | 1,753 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-518,040 | 6,329 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $12,295,000 | 1,883 |
| Total interest expense | $4,122,000 | 1,571 |
| Net interest income | $8,173,000 | 2,027 |
| Provision for loan and lease losses | $1,450,000 | 2,025 |
| Total noninterest income | $-424,000 | 7,626 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $399,000 | 2,596 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-823,000 | 7,635 |
| Total noninterest expense | $6,915,000 | 2,090 |
| Salaries and employee benefits | $3,762,000 | 1,922 |
| Premises and equipment expense | $529,000 | 3,326 |
| Additional noninterest expense | $2,624,000 | 1,972 |
| Pre-tax net operating income | $-616,000 | 6,609 |
| Securities gains (losses) | $4,022,000 | 98 |
| Applicable income taxes | $932,000 | 1,058 |
| Income before extraordinary items | $2,474,000 | 1,347 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $2,474,000 | 1,350 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $2,474,000 | 1,351 |
| Net charge-offs | $1,286,000 | 1,929 |
| Cash dividends | $516,000 | 1,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-462,060 | 6,582 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $8,222,000 | 1,910 |
| Total interest expense | $2,769,000 | 1,630 |
| Net interest income | $5,453,000 | 2,029 |
| Provision for loan and lease losses | $250,000 | 3,882 |
| Total noninterest income | $41,000 | 7,003 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $275,000 | 2,530 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-234,000 | 7,622 |
| Total noninterest expense | $4,633,000 | 2,091 |
| Salaries and employee benefits | $2,425,000 | 2,001 |
| Premises and equipment expense | $397,000 | 3,073 |
| Additional noninterest expense | $1,811,000 | 1,914 |
| Pre-tax net operating income | $611,000 | 3,267 |
| Securities gains (losses) | $392,000 | 584 |
| Applicable income taxes | $128,000 | 2,565 |
| Income before extraordinary items | $875,000 | 2,347 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $875,000 | 2,343 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $875,000 | 2,346 |
| Net charge-offs | $117,000 | 4,075 |
| Cash dividends | $258,000 | 2,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $533,960 | 3,185 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,065,000 | 1,968 |
| Total interest expense | $1,383,000 | 1,707 |
| Net interest income | $2,682,000 | 2,086 |
| Provision for loan and lease losses | $250,000 | 2,660 |
| Total noninterest income | $334,000 | 2,663 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $134,000 | 2,560 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $200,000 | 2,402 |
| Total noninterest expense | $2,403,000 | 2,046 |
| Salaries and employee benefits | $1,231,000 | 2,000 |
| Premises and equipment expense | $147,000 | 3,937 |
| Additional noninterest expense | $1,025,000 | 1,711 |
| Pre-tax net operating income | $363,000 | 2,994 |
| Securities gains (losses) | $85,000 | 855 |
| Applicable income taxes | $43,000 | 2,901 |
| Income before extraordinary items | $405,000 | 2,531 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $405,000 | 2,529 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $405,000 | 2,531 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $129,000 | 1,709 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $328,500 | 2,852 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $16,977,000 | 1,998 |
| Total interest expense | $6,633,000 | 1,765 |
| Net interest income | $10,344,000 | 2,123 |
| Provision for loan and lease losses | $1,675,000 | 2,715 |
| Total noninterest income | $1,234,000 | 2,917 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $595,000 | 2,551 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $639,000 | 2,805 |
| Total noninterest expense | $9,948,000 | 2,035 |
| Salaries and employee benefits | $4,904,000 | 2,007 |
| Premises and equipment expense | $691,000 | 3,495 |
| Additional noninterest expense | $4,353,000 | 1,712 |
| Pre-tax net operating income | $-45,000 | 5,502 |
| Securities gains (losses) | $908,000 | 538 |
| Applicable income taxes | $-157,000 | 6,685 |
| Income before extraordinary items | $1,020,000 | 2,731 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,020,000 | 2,730 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,020,000 | 2,731 |
| Net charge-offs | $1,089,000 | 2,765 |
| Cash dividends | $839,000 | 1,856 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $112,000 | 5,046 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $13,000,000 | 1,989 |
| Total interest expense | $5,174,000 | 1,780 |
| Net interest income | $7,826,000 | 2,097 |
| Provision for loan and lease losses | $1,275,000 | 2,437 |
| Total noninterest income | $960,000 | 2,897 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $446,000 | 2,567 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $514,000 | 2,768 |
| Total noninterest expense | $7,465,000 | 2,024 |
| Salaries and employee benefits | $3,748,000 | 1,984 |
| Premises and equipment expense | $537,000 | 3,442 |
| Additional noninterest expense | $3,180,000 | 1,699 |
| Pre-tax net operating income | $46,000 | 5,499 |
| Securities gains (losses) | $618,000 | 585 |
| Applicable income taxes | $-108,000 | 6,963 |
| Income before extraordinary items | $772,000 | 2,923 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $772,000 | 2,921 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $772,000 | 2,924 |
| Net charge-offs | $867,000 | 2,362 |
| Cash dividends | $581,000 | 1,838 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $154,000 | 5,014 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,836,000 | 1,986 |
| Total interest expense | $3,573,000 | 1,802 |
| Net interest income | $5,263,000 | 2,086 |
| Provision for loan and lease losses | $325,000 | 3,583 |
| Total noninterest income | $611,000 | 3,008 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $304,000 | 2,519 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $307,000 | 2,965 |
| Total noninterest expense | $4,998,000 | 2,034 |
| Salaries and employee benefits | $2,525,000 | 1,994 |
| Premises and equipment expense | $365,000 | 3,420 |
| Additional noninterest expense | $2,108,000 | 1,725 |
| Pre-tax net operating income | $551,000 | 3,146 |
| Securities gains (losses) | $355,000 | 662 |
| Applicable income taxes | $114,000 | 2,516 |
| Income before extraordinary items | $792,000 | 2,248 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $792,000 | 2,245 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $792,000 | 2,247 |
| Net charge-offs | $828,000 | 1,799 |
| Cash dividends | $516,000 | 1,585 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $483,150 | 3,051 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,417,000 | 2,010 |
| Total interest expense | $1,806,000 | 1,847 |
| Net interest income | $2,611,000 | 2,098 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $280,000 | 3,148 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $153,000 | 2,423 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $127,000 | 3,246 |
| Total noninterest expense | $2,743,000 | 1,806 |
| Salaries and employee benefits | $1,315,000 | 1,957 |
| Premises and equipment expense | $218,000 | 3,031 |
| Additional noninterest expense | $1,210,000 | 1,345 |
| Pre-tax net operating income | $148,000 | 4,530 |
| Securities gains (losses) | $322,000 | 477 |
| Applicable income taxes | $63,000 | 2,683 |
| Income before extraordinary items | $407,000 | 2,536 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $407,000 | 2,536 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $407,000 | 2,538 |
| Net charge-offs | $-15,000 | 7,940 |
| Cash dividends | $258,000 | 1,486 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $126,860 | 4,452 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $17,480,000 | 2,167 |
| Total interest expense | $8,301,000 | 1,895 |
| Net interest income | $9,179,000 | 2,380 |
| Provision for loan and lease losses | $2,250,000 | 1,674 |
| Total noninterest income | $2,078,000 | 2,080 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $734,000 | 2,262 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,344,000 | 1,733 |
| Total noninterest expense | $8,707,000 | 2,192 |
| Salaries and employee benefits | $5,034,000 | 2,010 |
| Premises and equipment expense | $624,000 | 3,818 |
| Additional noninterest expense | $3,049,000 | 1,983 |
| Pre-tax net operating income | $300,000 | 5,447 |
| Securities gains (losses) | $2,095,000 | 119 |
| Applicable income taxes | $443,000 | 1,971 |
| Income before extraordinary items | $1,952,000 | 2,034 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,952,000 | 2,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,233,000 | 1,205 |
| Cash dividends | $1,716,000 | 1,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $234,100 | 5,512 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $13,349,000 | 2,186 |
| Total interest expense | $6,474,000 | 1,909 |
| Net interest income | $6,875,000 | 2,401 |
| Provision for loan and lease losses | $1,500,000 | 1,422 |
| Total noninterest income | $1,761,000 | 1,962 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $567,000 | 2,227 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,194,000 | 1,607 |
| Total noninterest expense | $6,554,000 | 2,183 |
| Salaries and employee benefits | $3,892,000 | 1,980 |
| Premises and equipment expense | $474,000 | 3,784 |
| Additional noninterest expense | $2,188,000 | 1,989 |
| Pre-tax net operating income | $582,000 | 4,693 |
| Securities gains (losses) | $2,095,000 | 110 |
| Applicable income taxes | $661,000 | 1,592 |
| Income before extraordinary items | $2,016,000 | 1,767 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,016,000 | 1,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,770,000 | 904 |
| Cash dividends | $258,000 | 3,595 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $444,750 | 4,784 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,078,000 | 2,169 |
| Total interest expense | $4,573,000 | 1,886 |
| Net interest income | $4,505,000 | 2,420 |
| Provision for loan and lease losses | $1,400,000 | 996 |
| Total noninterest income | $834,000 | 2,549 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $364,000 | 2,280 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $470,000 | 2,344 |
| Total noninterest expense | $4,206,000 | 2,263 |
| Salaries and employee benefits | $2,522,000 | 2,060 |
| Premises and equipment expense | $279,000 | 4,179 |
| Additional noninterest expense | $1,405,000 | 2,041 |
| Pre-tax net operating income | $-267,000 | 7,396 |
| Securities gains (losses) | $1,835,000 | 121 |
| Applicable income taxes | $351,000 | 2,018 |
| Income before extraordinary items | $1,217,000 | 2,167 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,217,000 | 2,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,668,000 | 619 |
| Cash dividends | $155,000 | 3,691 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-214,300 | 7,407 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,694,000 | 2,153 |
| Total interest expense | $2,501,000 | 1,870 |
| Net interest income | $2,193,000 | 2,490 |
| Provision for loan and lease losses | $1,400,000 | 506 |
| Total noninterest income | $372,000 | 2,737 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $182,000 | 2,250 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $190,000 | 2,656 |
| Total noninterest expense | $1,991,000 | 2,378 |
| Salaries and employee benefits | $1,191,000 | 2,209 |
| Premises and equipment expense | $132,000 | 4,369 |
| Additional noninterest expense | $668,000 | 2,088 |
| Pre-tax net operating income | $-826,000 | 8,235 |
| Securities gains (losses) | $1,840,000 | 90 |
| Applicable income taxes | $258,000 | 1,649 |
| Income before extraordinary items | $756,000 | 1,901 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $756,000 | 1,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,355,000 | 368 |
| Cash dividends | $52,000 | 3,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-624,000 | 8,191 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $19,153,000 | 2,151 |
| Total interest expense | $10,107,000 | 1,935 |
| Net interest income | $9,046,000 | 2,434 |
| Provision for loan and lease losses | $750,000 | 1,744 |
| Total noninterest income | $1,272,000 | 3,023 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $856,000 | 2,015 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $416,000 | 3,663 |
| Total noninterest expense | $8,129,000 | 2,253 |
| Salaries and employee benefits | $5,266,000 | 1,906 |
| Premises and equipment expense | $479,000 | 4,496 |
| Additional noninterest expense | $2,384,000 | 2,266 |
| Pre-tax net operating income | $1,439,000 | 3,978 |
| Securities gains (losses) | $-262,000 | 8,292 |
| Applicable income taxes | $-180,000 | 8,111 |
| Income before extraordinary items | $1,357,000 | 3,655 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,357,000 | 3,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,253 |
| Cash dividends | $1,613,000 | 1,893 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,619,000 | 3,253 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $14,290,000 | 2,171 |
| Total interest expense | $7,363,000 | 1,973 |
| Net interest income | $6,927,000 | 2,417 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $920,000 | 3,081 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $647,000 | 1,985 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $273,000 | 3,925 |
| Total noninterest expense | $5,958,000 | 2,278 |
| Salaries and employee benefits | $3,828,000 | 1,965 |
| Premises and equipment expense | $372,000 | 4,380 |
| Additional noninterest expense | $1,758,000 | 2,255 |
| Pre-tax net operating income | $1,889,000 | 2,964 |
| Securities gains (losses) | $-262,000 | 8,402 |
| Applicable income taxes | $158,000 | 3,998 |
| Income before extraordinary items | $1,469,000 | 3,016 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,469,000 | 3,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,926 |
| Cash dividends | $155,000 | 4,335 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,704,800 | 2,689 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,385,000 | 2,216 |
| Total interest expense | $4,757,000 | 2,028 |
| Net interest income | $4,628,000 | 2,438 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $618,000 | 3,092 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $437,000 | 1,970 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $181,000 | 3,978 |
| Total noninterest expense | $4,009,000 | 2,275 |
| Salaries and employee benefits | $2,562,000 | 1,987 |
| Premises and equipment expense | $326,000 | 3,635 |
| Additional noninterest expense | $1,121,000 | 2,360 |
| Pre-tax net operating income | $1,237,000 | 3,050 |
| Securities gains (losses) | $-262,000 | 8,489 |
| Applicable income taxes | $68,000 | 4,497 |
| Income before extraordinary items | $907,000 | 3,227 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $907,000 | 3,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,315 |
| Cash dividends | $103,000 | 4,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,150,660 | 2,714 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,616,000 | 2,250 |
| Total interest expense | $2,332,000 | 2,050 |
| Net interest income | $2,284,000 | 2,474 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $297,000 | 3,128 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $214,000 | 1,950 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $83,000 | 4,134 |
| Total noninterest expense | $1,952,000 | 2,336 |
| Salaries and employee benefits | $1,265,000 | 2,034 |
| Premises and equipment expense | $77,000 | 5,781 |
| Additional noninterest expense | $610,000 | 2,158 |
| Pre-tax net operating income | $629,000 | 3,018 |
| Securities gains (losses) | $-262,000 | 8,593 |
| Applicable income taxes | $-13,000 | 8,267 |
| Income before extraordinary items | $380,000 | 3,619 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $380,000 | 3,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $52,000 | 3,552 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $642,000 | 2,473 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,920,000 | 2,186 |
| Total interest expense | $9,074,000 | 1,835 |
| Net interest income | $8,846,000 | 2,552 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $7,993,000 | 737 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $975,000 | 1,787 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $7,018,000 | 532 |
| Total noninterest expense | $8,182,000 | 2,163 |
| Salaries and employee benefits | $5,184,000 | 1,880 |
| Premises and equipment expense | $442,000 | 4,622 |
| Additional noninterest expense | $2,556,000 | 2,060 |
| Pre-tax net operating income | $8,657,000 | 1,138 |
| Securities gains (losses) | $-1,951,000 | 8,612 |
| Applicable income taxes | $1,998,000 | 1,338 |
| Income before extraordinary items | $4,708,000 | 1,543 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,708,000 | 1,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,716 |
| Cash dividends | $3,122,000 | 1,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $6,073,700 | 1,205 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,198,000 | 2,214 |
| Total interest expense | $6,633,000 | 1,829 |
| Net interest income | $6,565,000 | 2,603 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $7,585,000 | 618 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $745,000 | 1,770 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $6,840,000 | 454 |
| Total noninterest expense | $6,222,000 | 2,139 |
| Salaries and employee benefits | $3,890,000 | 1,876 |
| Premises and equipment expense | $400,000 | 4,110 |
| Additional noninterest expense | $1,932,000 | 2,032 |
| Pre-tax net operating income | $7,928,000 | 975 |
| Securities gains (losses) | $-1,951,000 | 8,697 |
| Applicable income taxes | $1,874,000 | 1,144 |
| Income before extraordinary items | $4,103,000 | 1,386 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,103,000 | 1,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,016 |
| Cash dividends | $853,000 | 2,158 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $5,449,190 | 1,052 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,524,000 | 2,236 |
| Total interest expense | $4,241,000 | 1,812 |
| Net interest income | $4,283,000 | 2,649 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $758,000 | 2,690 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $490,000 | 1,768 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $268,000 | 3,209 |
| Total noninterest expense | $3,601,000 | 2,456 |
| Salaries and employee benefits | $2,484,000 | 1,958 |
| Premises and equipment expense | $-85,000 | 8,774 |
| Additional noninterest expense | $1,202,000 | 2,169 |
| Pre-tax net operating income | $1,440,000 | 2,962 |
| Securities gains (losses) | $-404,000 | 8,682 |
| Applicable income taxes | $105,000 | 4,457 |
| Income before extraordinary items | $931,000 | 3,377 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $931,000 | 3,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,558 |
| Cash dividends | $103,000 | 4,316 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,294,600 | 2,614 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,132,000 | 2,262 |
| Total interest expense | $1,989,000 | 1,833 |
| Net interest income | $2,143,000 | 2,637 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $347,000 | 2,806 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $244,000 | 1,727 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $103,000 | 3,651 |
| Total noninterest expense | $1,832,000 | 2,413 |
| Salaries and employee benefits | $1,238,000 | 1,975 |
| Premises and equipment expense | $-44,000 | 8,787 |
| Additional noninterest expense | $638,000 | 2,040 |
| Pre-tax net operating income | $658,000 | 3,111 |
| Securities gains (losses) | $-388,000 | 8,737 |
| Applicable income taxes | $-43,000 | 8,634 |
| Income before extraordinary items | $313,000 | 4,312 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $313,000 | 4,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,205 |
| Cash dividends | $52,000 | 3,532 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $701,000 | 2,416 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,765,000 | 2,244 |
| Total interest expense | $6,333,000 | 1,789 |
| Net interest income | $8,432,000 | 2,576 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $1,993,000 | 2,218 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,106,000 | 1,574 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $887,000 | 2,387 |
| Total noninterest expense | $6,691,000 | 2,488 |
| Salaries and employee benefits | $4,799,000 | 1,927 |
| Premises and equipment expense | $-385,000 | 8,832 |
| Additional noninterest expense | $2,277,000 | 2,202 |
| Pre-tax net operating income | $3,734,000 | 2,336 |
| Securities gains (losses) | $1,000 | 2,117 |
| Applicable income taxes | $814,000 | 2,580 |
| Income before extraordinary items | $2,921,000 | 2,304 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,921,000 | 2,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,831 |
| Cash dividends | $919,000 | 2,621 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,920,220 | 2,269 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,732,000 | 2,261 |
| Total interest expense | $4,498,000 | 1,782 |
| Net interest income | $6,234,000 | 2,588 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $1,498,000 | 2,208 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $845,000 | 1,532 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $653,000 | 2,416 |
| Total noninterest expense | $5,042,000 | 2,454 |
| Salaries and employee benefits | $3,523,000 | 1,941 |
| Premises and equipment expense | $-251,000 | 8,857 |
| Additional noninterest expense | $1,770,000 | 2,101 |
| Pre-tax net operating income | $2,690,000 | 2,429 |
| Securities gains (losses) | $1,000 | 2,135 |
| Applicable income taxes | $570,000 | 2,728 |
| Income before extraordinary items | $2,121,000 | 2,384 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,121,000 | 2,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 3,970 |
| Cash dividends | $155,000 | 4,316 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,120,210 | 2,353 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,938,000 | 2,273 |
| Total interest expense | $2,872,000 | 1,762 |
| Net interest income | $4,066,000 | 2,612 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $775,000 | 2,598 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $573,000 | 1,475 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $202,000 | 3,748 |
| Total noninterest expense | $3,427,000 | 2,389 |
| Salaries and employee benefits | $2,299,000 | 1,966 |
| Premises and equipment expense | $-140,000 | 8,867 |
| Additional noninterest expense | $1,268,000 | 1,937 |
| Pre-tax net operating income | $1,414,000 | 2,881 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $239,000 | 3,487 |
| Income before extraordinary items | $1,176,000 | 2,696 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,176,000 | 2,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,128 |
| Cash dividends | $103,000 | 4,219 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,175,170 | 2,659 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,384,000 | 2,279 |
| Total interest expense | $1,347,000 | 1,772 |
| Net interest income | $2,037,000 | 2,604 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $385,000 | 2,562 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $290,000 | 1,419 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $95,000 | 3,827 |
| Total noninterest expense | $1,866,000 | 2,213 |
| Salaries and employee benefits | $1,140,000 | 2,006 |
| Premises and equipment expense | $-42,000 | 8,930 |
| Additional noninterest expense | $768,000 | 1,604 |
| Pre-tax net operating income | $556,000 | 3,405 |
| Securities gains (losses) | $1,000 | 1,514 |
| Applicable income taxes | $63,000 | 4,453 |
| Income before extraordinary items | $494,000 | 3,077 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $494,000 | 3,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 2,042 |
| Cash dividends | $52,000 | 3,396 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $493,110 | 3,044 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,568,000 | 2,284 |
| Total interest expense | $3,834,000 | 2,124 |
| Net interest income | $8,734,000 | 2,339 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $2,125,000 | 2,109 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,145,000 | 1,533 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $980,000 | 2,174 |
| Total noninterest expense | $7,061,000 | 2,265 |
| Salaries and employee benefits | $4,715,000 | 1,860 |
| Premises and equipment expense | $81,000 | 8,197 |
| Additional noninterest expense | $2,265,000 | 2,148 |
| Pre-tax net operating income | $3,798,000 | 2,144 |
| Securities gains (losses) | $244,000 | 733 |
| Applicable income taxes | $567,000 | 3,132 |
| Income before extraordinary items | $3,475,000 | 1,821 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,475,000 | 1,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,978 |
| Cash dividends | $1,419,000 | 1,805 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,265,160 | 1,883 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,133,000 | 2,331 |
| Total interest expense | $2,643,000 | 2,238 |
| Net interest income | $6,490,000 | 2,323 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $1,566,000 | 2,149 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $844,000 | 1,562 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $722,000 | 2,216 |
| Total noninterest expense | $5,277,000 | 2,247 |
| Salaries and employee benefits | $3,532,000 | 1,845 |
| Premises and equipment expense | $69,000 | 8,064 |
| Additional noninterest expense | $1,676,000 | 2,152 |
| Pre-tax net operating income | $2,779,000 | 2,200 |
| Securities gains (losses) | $465,000 | 443 |
| Applicable income taxes | $768,000 | 2,162 |
| Income before extraordinary items | $2,476,000 | 1,915 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,476,000 | 1,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,697 |
| Cash dividends | $154,000 | 4,273 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,122,600 | 2,146 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,909,000 | 2,381 |
| Total interest expense | $1,607,000 | 2,416 |
| Net interest income | $4,302,000 | 2,321 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,012,000 | 2,181 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $532,000 | 1,645 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $480,000 | 2,258 |
| Total noninterest expense | $3,443,000 | 2,305 |
| Salaries and employee benefits | $2,303,000 | 1,886 |
| Premises and equipment expense | $63,000 | 7,651 |
| Additional noninterest expense | $1,077,000 | 2,241 |
| Pre-tax net operating income | $1,871,000 | 2,161 |
| Securities gains (losses) | $645,000 | 297 |
| Applicable income taxes | $644,000 | 1,827 |
| Income before extraordinary items | $1,872,000 | 1,709 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,872,000 | 1,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $103,000 | 4,154 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,394,700 | 2,147 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,904,000 | 2,425 |
| Total interest expense | $763,000 | 2,563 |
| Net interest income | $2,141,000 | 2,326 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $502,000 | 2,154 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $265,000 | 1,608 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $237,000 | 2,209 |
| Total noninterest expense | $1,645,000 | 2,430 |
| Salaries and employee benefits | $1,126,000 | 1,943 |
| Premises and equipment expense | $28,000 | 7,868 |
| Additional noninterest expense | $491,000 | 2,404 |
| Pre-tax net operating income | $998,000 | 2,007 |
| Securities gains (losses) | $333,000 | 345 |
| Applicable income taxes | $349,000 | 1,734 |
| Income before extraordinary items | $982,000 | 1,622 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $982,000 | 1,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $51,000 | 3,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $735,580 | 1,999 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,229,000 | 2,536 |
| Total interest expense | $2,816,000 | 3,031 |
| Net interest income | $8,413,000 | 2,303 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $1,977,000 | 2,337 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,250,000 | 1,386 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $727,000 | 2,893 |
| Total noninterest expense | $6,462,000 | 2,429 |
| Salaries and employee benefits | $4,429,000 | 1,943 |
| Premises and equipment expense | $-157,000 | 9,179 |
| Additional noninterest expense | $2,190,000 | 2,207 |
| Pre-tax net operating income | $3,928,000 | 2,005 |
| Securities gains (losses) | $426,000 | 838 |
| Applicable income taxes | $940,000 | 2,267 |
| Income before extraordinary items | $3,414,000 | 1,820 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,414,000 | 1,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-76,000 | 9,004 |
| Cash dividends | $1,290,000 | 1,959 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,081,720 | 1,905 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,323,000 | 2,604 |
| Total interest expense | $2,125,000 | 3,117 |
| Net interest income | $6,198,000 | 2,363 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $1,433,000 | 2,431 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $942,000 | 1,388 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $491,000 | 3,174 |
| Total noninterest expense | $4,599,000 | 2,558 |
| Salaries and employee benefits | $3,264,000 | 1,973 |
| Premises and equipment expense | $-160,000 | 9,234 |
| Additional noninterest expense | $1,495,000 | 2,406 |
| Pre-tax net operating income | $3,032,000 | 2,032 |
| Securities gains (losses) | $426,000 | 762 |
| Applicable income taxes | $773,000 | 2,252 |
| Income before extraordinary items | $2,685,000 | 1,799 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,685,000 | 1,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-78,000 | 9,041 |
| Cash dividends | $154,000 | 4,351 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,352,720 | 1,927 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,462,000 | 2,668 |
| Total interest expense | $1,456,000 | 3,132 |
| Net interest income | $4,006,000 | 2,426 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $870,000 | 2,593 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $628,000 | 1,364 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $242,000 | 3,682 |
| Total noninterest expense | $2,927,000 | 2,663 |
| Salaries and employee benefits | $2,096,000 | 2,026 |
| Premises and equipment expense | $-141,000 | 9,266 |
| Additional noninterest expense | $972,000 | 2,430 |
| Pre-tax net operating income | $1,949,000 | 2,088 |
| Securities gains (losses) | $239,000 | 938 |
| Applicable income taxes | $498,000 | 2,320 |
| Income before extraordinary items | $1,690,000 | 1,895 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,690,000 | 1,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-77,000 | 9,080 |
| Cash dividends | $103,000 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,505,970 | 1,985 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,848,000 | 2,573 |
| Total interest expense | $708,000 | 3,292 |
| Net interest income | $2,140,000 | 2,272 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $409,000 | 2,624 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $306,000 | 1,356 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $103,000 | 3,872 |
| Total noninterest expense | $1,417,000 | 2,724 |
| Salaries and employee benefits | $1,044,000 | 2,028 |
| Premises and equipment expense | $-68,000 | 9,311 |
| Additional noninterest expense | $441,000 | 2,617 |
| Pre-tax net operating income | $1,132,000 | 1,838 |
| Securities gains (losses) | $251,000 | 573 |
| Applicable income taxes | $389,000 | 1,666 |
| Income before extraordinary items | $994,000 | 1,614 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $994,000 | 1,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-84,000 | 9,180 |
| Cash dividends | $52,000 | 3,389 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $813,280 | 1,837 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,964,000 | 2,566 |
| Total interest expense | $3,424,000 | 3,169 |
| Net interest income | $8,540,000 | 2,266 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $1,840,000 | 2,284 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,299,000 | 1,243 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $541,000 | 3,144 |
| Total noninterest expense | $5,946,000 | 2,485 |
| Salaries and employee benefits | $4,158,000 | 1,939 |
| Premises and equipment expense | $-187,000 | 9,350 |
| Additional noninterest expense | $1,975,000 | 2,332 |
| Pre-tax net operating income | $4,434,000 | 1,824 |
| Securities gains (losses) | $712,000 | 522 |
| Applicable income taxes | $1,424,000 | 1,716 |
| Income before extraordinary items | $3,722,000 | 1,608 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,722,000 | 1,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 4,383 |
| Cash dividends | $1,187,000 | 1,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,209,360 | 1,793 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,686,000 | 2,682 |
| Total interest expense | $5,166,000 | 3,068 |
| Net interest income | $7,520,000 | 2,385 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $1,779,000 | 2,214 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,229,000 | 1,219 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $550,000 | 2,973 |
| Total noninterest expense | $5,741,000 | 2,472 |
| Salaries and employee benefits | $3,857,000 | 1,947 |
| Premises and equipment expense | $-149,000 | 9,610 |
| Additional noninterest expense | $2,033,000 | 2,209 |
| Pre-tax net operating income | $3,558,000 | 1,958 |
| Securities gains (losses) | $-78,000 | 9,479 |
| Applicable income taxes | $883,000 | 2,266 |
| Income before extraordinary items | $2,597,000 | 2,012 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,597,000 | 2,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 9,298 |
| Cash dividends | $826,000 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,655,500 | 1,895 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,152,000 | 2,647 |
| Total interest expense | $5,810,000 | 2,873 |
| Net interest income | $7,342,000 | 2,414 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $1,403,000 | 2,464 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,165,000 | 1,162 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $238,000 | 4,393 |
| Total noninterest expense | $5,290,000 | 2,567 |
| Salaries and employee benefits | $3,677,000 | 1,949 |
| Premises and equipment expense | $-120,000 | 9,900 |
| Additional noninterest expense | $1,733,000 | 2,480 |
| Pre-tax net operating income | $3,455,000 | 2,109 |
| Securities gains (losses) | $4,000 | 1,432 |
| Applicable income taxes | $953,000 | 2,210 |
| Income before extraordinary items | $2,506,000 | 2,077 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,506,000 | 2,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 9,196 |
| Cash dividends | $2,657,000 | 1,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,503,120 | 2,077 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,988,000 | 2,705 |
| Total interest expense | $4,855,000 | 3,008 |
| Net interest income | $7,133,000 | 2,476 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $1,523,000 | 2,272 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,241,000 | 1,074 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $282,000 | 4,159 |
| Total noninterest expense | $5,530,000 | 2,451 |
| Salaries and employee benefits | $3,763,000 | 1,854 |
| Premises and equipment expense | $-77,000 | 10,218 |
| Additional noninterest expense | $1,844,000 | 2,363 |
| Pre-tax net operating income | $3,126,000 | 2,319 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $823,000 | 2,588 |
| Income before extraordinary items | $2,302,000 | 2,271 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,302,000 | 2,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,307 |
| Cash dividends | $464,000 | 3,665 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,302,740 | 2,246 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,227,000 | 2,874 |
| Total interest expense | $4,743,000 | 3,154 |
| Net interest income | $6,484,000 | 2,639 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $1,488,000 | 2,282 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,262,000 | 977 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $226,000 | 4,662 |
| Total noninterest expense | $5,732,000 | 2,278 |
| Salaries and employee benefits | $3,619,000 | 1,851 |
| Premises and equipment expense | $149,000 | 7,670 |
| Additional noninterest expense | $1,964,000 | 2,142 |
| Pre-tax net operating income | $2,240,000 | 3,043 |
| Securities gains (losses) | $68,000 | 1,523 |
| Applicable income taxes | $586,000 | 3,467 |
| Income before extraordinary items | $1,722,000 | 2,899 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,722,000 | 2,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,253 |
| Cash dividends | $581,000 | 3,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,671,000 | 2,885 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,028,000 | 2,958 |
| Total interest expense | $4,244,000 | 3,462 |
| Net interest income | $6,784,000 | 2,559 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $1,614,000 | 2,076 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,348,000 | 946 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $266,000 | 4,212 |
| Total noninterest expense | $5,825,000 | 2,209 |
| Salaries and employee benefits | $3,563,000 | 1,841 |
| Premises and equipment expense | $228,000 | 6,375 |
| Additional noninterest expense | $2,034,000 | 2,056 |
| Pre-tax net operating income | $2,573,000 | 2,840 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $673,000 | 3,353 |
| Income before extraordinary items | $1,902,000 | 2,701 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,902,000 | 2,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,126 |
| Cash dividends | $5,428,000 | 588 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,900,520 | 2,655 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,838,000 | 3,038 |
| Total interest expense | $4,266,000 | 3,495 |
| Net interest income | $6,572,000 | 2,696 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,554,000 | 2,240 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,308,000 | 1,012 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $246,000 | 4,581 |
| Total noninterest expense | $5,569,000 | 2,468 |
| Salaries and employee benefits | $3,356,000 | 1,966 |
| Premises and equipment expense | $211,000 | 6,844 |
| Additional noninterest expense | $2,002,000 | 2,456 |
| Pre-tax net operating income | $2,557,000 | 2,726 |
| Securities gains (losses) | $-3,000 | 9,684 |
| Applicable income taxes | $664,000 | 3,305 |
| Income before extraordinary items | $1,890,000 | 2,577 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,890,000 | 2,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 10,584 |
| Cash dividends | $1,224,000 | 1,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,892,220 | 2,527 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,752,000 | 3,084 |
| Total interest expense | $4,300,000 | 3,464 |
| Net interest income | $6,452,000 | 2,769 |
| Provision for loan and lease losses | $350,000 | 2,061 |
| Total noninterest income | $1,733,000 | 2,055 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,385,000 | 964 |
| Trading account gains and fees | $3,000 | 476 |
| Additional Noninterest Income | $345,000 | 3,648 |
| Total noninterest expense | $5,799,000 | 2,346 |
| Salaries and employee benefits | $3,138,000 | 2,114 |
| Premises and equipment expense | $365,000 | 4,887 |
| Additional noninterest expense | $2,296,000 | 2,147 |
| Pre-tax net operating income | $2,036,000 | 3,434 |
| Securities gains (losses) | $-24,000 | 10,683 |
| Applicable income taxes | $478,000 | 4,342 |
| Income before extraordinary items | $1,534,000 | 3,179 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,534,000 | 3,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $617,000 | 1,210 |
| Cash dividends | $640,000 | 2,807 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,552,240 | 3,124 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,467,000 | 2,906 |
| Total interest expense | $3,922,000 | 3,107 |
| Net interest income | $6,545,000 | 2,769 |
| Provision for loan and lease losses | $2,180,000 | 543 |
| Total noninterest income | $1,765,000 | 2,014 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,404,000 | 938 |
| Trading account gains and fees | $12,000 | 368 |
| Additional Noninterest Income | $349,000 | 3,726 |
| Total noninterest expense | $6,621,000 | 2,138 |
| Salaries and employee benefits | $3,218,000 | 2,052 |
| Premises and equipment expense | $517,000 | 3,690 |
| Additional noninterest expense | $2,886,000 | 1,873 |
| Pre-tax net operating income | $-491,000 | 12,381 |
| Securities gains (losses) | $221,000 | 465 |
| Applicable income taxes | $-379,000 | 12,459 |
| Income before extraordinary items | $109,000 | 11,302 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $109,000 | 11,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,241,000 | 519 |
| Cash dividends | $1,032,000 | 1,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-32,440 | 12,110 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,396,000 | 2,716 |
| Total interest expense | $3,959,000 | 3,199 |
| Net interest income | $7,437,000 | 2,410 |
| Provision for loan and lease losses | $25,000 | 8,682 |
| Total noninterest income | $1,975,000 | 2,002 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,441,000 | 916 |
| Trading account gains and fees | $12,000 | 411 |
| Additional Noninterest Income | $522,000 | 3,176 |
| Total noninterest expense | $6,536,000 | 2,223 |
| Salaries and employee benefits | $3,329,000 | 2,002 |
| Premises and equipment expense | $486,000 | 3,965 |
| Additional noninterest expense | $2,721,000 | 2,065 |
| Pre-tax net operating income | $2,851,000 | 2,413 |
| Securities gains (losses) | $254,000 | 1,445 |
| Applicable income taxes | $992,000 | 2,276 |
| Income before extraordinary items | $2,113,000 | 2,369 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,113,000 | 2,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 5,803 |
| Cash dividends | $1,690,000 | 1,177 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,940,280 | 2,443 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,991,000 | 2,710 |
| Total interest expense | $5,331,000 | 3,106 |
| Net interest income | $7,660,000 | 2,352 |
| Provision for loan and lease losses | $90,000 | 7,540 |
| Total noninterest income | $2,117,000 | 1,857 |
| Gross Fiduciary activities income | $8,000 | 1,554 |
| Service charges on deposit accounts | $1,506,000 | 870 |
| Trading account gains and fees | $16,000 | 385 |
| Additional Noninterest Income | $587,000 | 2,864 |
| Total noninterest expense | $6,506,000 | 2,250 |
| Salaries and employee benefits | $3,170,000 | 2,076 |
| Premises and equipment expense | $492,000 | 4,030 |
| Additional noninterest expense | $2,844,000 | 2,086 |
| Pre-tax net operating income | $3,181,000 | 1,954 |
| Securities gains (losses) | $201,000 | 2,003 |
| Applicable income taxes | $1,208,000 | 1,749 |
| Income before extraordinary items | $2,174,000 | 2,114 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,174,000 | 2,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 6,172 |
| Cash dividends | $1,689,000 | 985 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,045,360 | 2,057 |
* 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.