InsurBanc, Income and Expense
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,430,000 | 3,809 |
| Total interest expense | $255,000 | 3,105 |
| Net interest income | $1,175,000 | 3,887 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $31,000 | 6,167 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $26,000 | 5,216 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $5,000 | 6,416 |
| Total noninterest expense | $979,000 | 4,042 |
| Salaries and employee benefits | $528,000 | 4,022 |
| Premises and equipment expense | $70,000 | 5,062 |
| Additional noninterest expense | $381,000 | 3,628 |
| Pre-tax net operating income | $227,000 | 4,283 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $64,000 | 2,812 |
| Income before extraordinary items | $163,000 | 4,609 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $163,000 | 4,610 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $163,000 | 4,611 |
| Net charge-offs | $33,000 | 2,726 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $163,000 | 4,502 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $5,918,000 | 3,870 |
| Total interest expense | $1,316,000 | 2,987 |
| Net interest income | $4,602,000 | 4,030 |
| Provision for loan and lease losses | $137,000 | 4,371 |
| Total noninterest income | $148,000 | 5,984 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $105,000 | 5,360 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $43,000 | 5,944 |
| Total noninterest expense | $3,774,000 | 4,201 |
| Salaries and employee benefits | $2,115,000 | 4,006 |
| Premises and equipment expense | $288,000 | 5,049 |
| Additional noninterest expense | $1,371,000 | 4,001 |
| Pre-tax net operating income | $839,000 | 4,275 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $337,000 | 2,560 |
| Income before extraordinary items | $502,000 | 4,928 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $502,000 | 4,927 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $502,000 | 4,928 |
| Net charge-offs | $601,000 | 2,412 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $502,000 | 4,736 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $4,376,000 | 3,973 |
| Total interest expense | $1,025,000 | 3,017 |
| Net interest income | $3,351,000 | 4,182 |
| Provision for loan and lease losses | $137,000 | 3,993 |
| Total noninterest income | $70,000 | 6,445 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $78,000 | 5,449 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-8,000 | 6,732 |
| Total noninterest expense | $2,768,000 | 4,266 |
| Salaries and employee benefits | $1,585,000 | 4,014 |
| Premises and equipment expense | $216,000 | 5,115 |
| Additional noninterest expense | $967,000 | 4,194 |
| Pre-tax net operating income | $516,000 | 4,683 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $201,000 | 2,828 |
| Income before extraordinary items | $315,000 | 5,268 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $315,000 | 5,266 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $315,000 | 5,266 |
| Net charge-offs | $439,000 | 2,345 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $315,000 | 5,075 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $2,877,000 | 4,033 |
| Total interest expense | $709,000 | 3,028 |
| Net interest income | $2,168,000 | 4,272 |
| Provision for loan and lease losses | $137,000 | 3,486 |
| Total noninterest income | $71,000 | 6,124 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $50,000 | 5,517 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $21,000 | 6,119 |
| Total noninterest expense | $1,839,000 | 4,293 |
| Salaries and employee benefits | $1,056,000 | 4,041 |
| Premises and equipment expense | $144,000 | 5,134 |
| Additional noninterest expense | $639,000 | 4,237 |
| Pre-tax net operating income | $263,000 | 4,996 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $102,000 | 3,035 |
| Income before extraordinary items | $161,000 | 5,574 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $161,000 | 5,573 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $161,000 | 5,573 |
| Net charge-offs | $85,000 | 3,574 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $161,000 | 5,389 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,420,000 | 4,126 |
| Total interest expense | $371,000 | 3,027 |
| Net interest income | $1,049,000 | 4,380 |
| Provision for loan and lease losses | $75,000 | 3,178 |
| Total noninterest income | $38,000 | 6,134 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $24,000 | 5,577 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $14,000 | 6,009 |
| Total noninterest expense | $900,000 | 4,380 |
| Salaries and employee benefits | $526,000 | 4,080 |
| Premises and equipment expense | $72,000 | 5,172 |
| Additional noninterest expense | $302,000 | 4,370 |
| Pre-tax net operating income | $112,000 | 5,277 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $43,000 | 3,185 |
| Income before extraordinary items | $69,000 | 5,764 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $69,000 | 5,764 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $69,000 | 5,764 |
| Net charge-offs | $85,000 | 2,593 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $69,000 | 5,611 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $6,094,000 | 4,005 |
| Total interest expense | $1,742,000 | 3,076 |
| Net interest income | $4,352,000 | 4,303 |
| Provision for loan and lease losses | $139,000 | 5,028 |
| Total noninterest income | $309,000 | 5,165 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $95,000 | 5,599 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $214,000 | 4,373 |
| Total noninterest expense | $3,803,000 | 4,262 |
| Salaries and employee benefits | $2,140,000 | 3,985 |
| Premises and equipment expense | $278,000 | 5,397 |
| Additional noninterest expense | $1,385,000 | 4,067 |
| Pre-tax net operating income | $719,000 | 4,241 |
| Securities gains (losses) | $128,000 | 1,846 |
| Applicable income taxes | $289,000 | 2,573 |
| Income before extraordinary items | $558,000 | 4,498 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $558,000 | 4,501 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $558,000 | 4,500 |
| Net charge-offs | $176,000 | 4,451 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $473,520 | 4,606 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,721,000 | 3,969 |
| Total interest expense | $1,340,000 | 3,125 |
| Net interest income | $3,381,000 | 4,223 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $260,000 | 5,052 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 5,594 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $188,000 | 4,185 |
| Total noninterest expense | $2,887,000 | 4,217 |
| Salaries and employee benefits | $1,614,000 | 3,967 |
| Premises and equipment expense | $207,000 | 5,455 |
| Additional noninterest expense | $1,066,000 | 3,993 |
| Pre-tax net operating income | $754,000 | 3,830 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $295,000 | 2,283 |
| Income before extraordinary items | $459,000 | 4,463 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $459,000 | 4,464 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $459,000 | 4,464 |
| Net charge-offs | $-59,000 | 7,269 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $459,000 | 4,330 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,172,000 | 3,981 |
| Total interest expense | $906,000 | 3,191 |
| Net interest income | $2,266,000 | 4,227 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $149,000 | 5,321 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 5,592 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $101,000 | 4,526 |
| Total noninterest expense | $1,939,000 | 4,247 |
| Salaries and employee benefits | $1,078,000 | 4,000 |
| Premises and equipment expense | $137,000 | 5,510 |
| Additional noninterest expense | $724,000 | 4,002 |
| Pre-tax net operating income | $476,000 | 3,903 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $186,000 | 2,292 |
| Income before extraordinary items | $290,000 | 4,490 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $290,000 | 4,488 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $290,000 | 4,490 |
| Net charge-offs | $-59,000 | 7,326 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $290,000 | 4,421 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,541,000 | 4,078 |
| Total interest expense | $460,000 | 3,257 |
| Net interest income | $1,081,000 | 4,344 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $90,000 | 5,091 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 5,566 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $66,000 | 4,229 |
| Total noninterest expense | $972,000 | 4,251 |
| Salaries and employee benefits | $541,000 | 4,017 |
| Premises and equipment expense | $69,000 | 5,544 |
| Additional noninterest expense | $362,000 | 3,998 |
| Pre-tax net operating income | $199,000 | 4,239 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $78,000 | 2,458 |
| Income before extraordinary items | $121,000 | 4,756 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $121,000 | 4,754 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $121,000 | 4,756 |
| Net charge-offs | $-139,000 | 7,476 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $121,000 | 4,696 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $6,898,000 | 3,949 |
| Total interest expense | $2,083,000 | 3,448 |
| Net interest income | $4,815,000 | 4,063 |
| Provision for loan and lease losses | $150,000 | 5,638 |
| Total noninterest income | $194,000 | 5,998 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $194,000 | 4,633 |
| Total noninterest expense | $3,760,000 | 4,386 |
| Salaries and employee benefits | $2,124,000 | 4,068 |
| Premises and equipment expense | $270,000 | 5,654 |
| Additional noninterest expense | $1,366,000 | 4,253 |
| Pre-tax net operating income | $1,099,000 | 3,229 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $451,000 | 1,990 |
| Income before extraordinary items | $648,000 | 3,958 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $648,000 | 3,958 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $648,000 | 3,959 |
| Net charge-offs | $433,000 | 3,833 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $648,000 | 3,819 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,288,000 | 3,961 |
| Total interest expense | $1,592,000 | 3,543 |
| Net interest income | $3,696,000 | 4,049 |
| Provision for loan and lease losses | $65,000 | 6,068 |
| Total noninterest income | $139,000 | 6,171 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $139,000 | 4,762 |
| Total noninterest expense | $2,775,000 | 4,446 |
| Salaries and employee benefits | $1,576,000 | 4,129 |
| Premises and equipment expense | $201,000 | 5,732 |
| Additional noninterest expense | $998,000 | 4,307 |
| Pre-tax net operating income | $995,000 | 3,103 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $388,000 | 1,903 |
| Income before extraordinary items | $607,000 | 3,765 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $607,000 | 3,765 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $607,000 | 3,766 |
| Net charge-offs | $40,000 | 5,674 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $607,000 | 3,624 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,543,000 | 3,991 |
| Total interest expense | $1,074,000 | 3,616 |
| Net interest income | $2,469,000 | 4,049 |
| Provision for loan and lease losses | $55,000 | 5,779 |
| Total noninterest income | $91,000 | 6,216 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $91,000 | 4,777 |
| Total noninterest expense | $1,816,000 | 4,516 |
| Salaries and employee benefits | $1,033,000 | 4,202 |
| Premises and equipment expense | $132,000 | 5,782 |
| Additional noninterest expense | $651,000 | 4,373 |
| Pre-tax net operating income | $689,000 | 3,059 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $269,000 | 1,843 |
| Income before extraordinary items | $420,000 | 3,700 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $420,000 | 3,698 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $420,000 | 3,699 |
| Net charge-offs | $22,000 | 5,472 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $420,000 | 3,597 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,826,000 | 3,957 |
| Total interest expense | $542,000 | 3,712 |
| Net interest income | $1,284,000 | 3,972 |
| Provision for loan and lease losses | $40,000 | 5,088 |
| Total noninterest income | $34,000 | 6,601 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $34,000 | 5,280 |
| Total noninterest expense | $897,000 | 4,598 |
| Salaries and employee benefits | $511,000 | 4,288 |
| Premises and equipment expense | $65,000 | 5,884 |
| Additional noninterest expense | $321,000 | 4,404 |
| Pre-tax net operating income | $381,000 | 2,917 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $149,000 | 1,738 |
| Income before extraordinary items | $232,000 | 3,624 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $232,000 | 3,621 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $232,000 | 3,623 |
| Net charge-offs | $22,000 | 4,360 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $232,000 | 3,495 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,745,000 | 3,903 |
| Total interest expense | $2,685,000 | 3,707 |
| Net interest income | $5,060,000 | 3,923 |
| Provision for loan and lease losses | $481,000 | 4,595 |
| Total noninterest income | $182,000 | 6,357 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $182,000 | 4,794 |
| Total noninterest expense | $3,701,000 | 4,558 |
| Salaries and employee benefits | $2,034,000 | 4,307 |
| Premises and equipment expense | $408,000 | 4,947 |
| Additional noninterest expense | $1,259,000 | 4,603 |
| Pre-tax net operating income | $1,060,000 | 2,896 |
| Securities gains (losses) | $137,000 | 1,863 |
| Applicable income taxes | $448,000 | 1,648 |
| Income before extraordinary items | $749,000 | 3,247 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $749,000 | 3,245 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $749,000 | 3,246 |
| Net charge-offs | $46,000 | 6,254 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $661,320 | 3,389 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,755,000 | 3,996 |
| Total interest expense | $2,070,000 | 3,769 |
| Net interest income | $3,685,000 | 3,996 |
| Provision for loan and lease losses | $146,000 | 5,537 |
| Total noninterest income | $140,000 | 6,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $140,000 | 4,885 |
| Total noninterest expense | $2,825,000 | 4,518 |
| Salaries and employee benefits | $1,536,000 | 4,313 |
| Premises and equipment expense | $335,000 | 4,738 |
| Additional noninterest expense | $954,000 | 4,543 |
| Pre-tax net operating income | $854,000 | 3,009 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $334,000 | 1,817 |
| Income before extraordinary items | $520,000 | 3,623 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $520,000 | 3,621 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $520,000 | 3,623 |
| Net charge-offs | $0 | 6,987 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $520,000 | 3,535 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,783,000 | 4,064 |
| Total interest expense | $1,396,000 | 3,852 |
| Net interest income | $2,387,000 | 4,053 |
| Provision for loan and lease losses | $85,000 | 5,530 |
| Total noninterest income | $93,000 | 6,479 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $93,000 | 4,923 |
| Total noninterest expense | $1,881,000 | 4,553 |
| Salaries and employee benefits | $1,020,000 | 4,377 |
| Premises and equipment expense | $265,000 | 4,296 |
| Additional noninterest expense | $596,000 | 4,749 |
| Pre-tax net operating income | $514,000 | 3,252 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $201,000 | 1,944 |
| Income before extraordinary items | $313,000 | 3,902 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $313,000 | 3,901 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $313,000 | 3,901 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $313,000 | 3,779 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,860,000 | 4,153 |
| Total interest expense | $700,000 | 3,945 |
| Net interest income | $1,160,000 | 4,119 |
| Provision for loan and lease losses | $56,000 | 4,791 |
| Total noninterest income | $37,000 | 6,760 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $37,000 | 5,310 |
| Total noninterest expense | $921,000 | 4,542 |
| Salaries and employee benefits | $516,000 | 4,365 |
| Premises and equipment expense | $132,000 | 4,337 |
| Additional noninterest expense | $273,000 | 4,696 |
| Pre-tax net operating income | $220,000 | 3,879 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $86,000 | 2,332 |
| Income before extraordinary items | $134,000 | 4,536 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $134,000 | 4,540 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $134,000 | 4,540 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $134,000 | 4,369 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,143,000 | 4,429 |
| Total interest expense | $2,948,000 | 4,304 |
| Net interest income | $4,195,000 | 4,437 |
| Provision for loan and lease losses | $50,000 | 6,569 |
| Total noninterest income | $166,000 | 6,741 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $166,000 | 5,141 |
| Total noninterest expense | $3,484,000 | 4,654 |
| Salaries and employee benefits | $2,002,000 | 4,448 |
| Premises and equipment expense | $544,000 | 4,240 |
| Additional noninterest expense | $938,000 | 5,020 |
| Pre-tax net operating income | $827,000 | 4,100 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $323,000 | 2,307 |
| Income before extraordinary items | $504,000 | 4,437 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $504,000 | 4,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,039 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $504,000 | 4,595 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,263,000 | 4,548 |
| Total interest expense | $2,231,000 | 4,408 |
| Net interest income | $3,032,000 | 4,585 |
| Provision for loan and lease losses | $25,000 | 6,390 |
| Total noninterest income | $132,000 | 6,764 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $132,000 | 5,166 |
| Total noninterest expense | $2,601,000 | 4,659 |
| Salaries and employee benefits | $1,511,000 | 4,446 |
| Premises and equipment expense | $403,000 | 4,295 |
| Additional noninterest expense | $687,000 | 5,009 |
| Pre-tax net operating income | $538,000 | 4,819 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $218,000 | 2,814 |
| Income before extraordinary items | $320,000 | 5,133 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $320,000 | 5,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $320,000 | 5,303 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,437,000 | 4,686 |
| Total interest expense | $1,466,000 | 4,566 |
| Net interest income | $1,971,000 | 4,661 |
| Provision for loan and lease losses | $8,000 | 6,387 |
| Total noninterest income | $90,000 | 6,796 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $90,000 | 5,223 |
| Total noninterest expense | $1,732,000 | 4,687 |
| Salaries and employee benefits | $1,028,000 | 4,434 |
| Premises and equipment expense | $263,000 | 4,367 |
| Additional noninterest expense | $441,000 | 5,116 |
| Pre-tax net operating income | $321,000 | 5,173 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $131,000 | 3,169 |
| Income before extraordinary items | $190,000 | 5,682 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $190,000 | 5,682 |
| 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 | $190,000 | 5,618 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,718,000 | 4,769 |
| Total interest expense | $732,000 | 4,765 |
| Net interest income | $986,000 | 4,671 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $36,000 | 7,103 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $36,000 | 5,627 |
| Total noninterest expense | $852,000 | 4,746 |
| Salaries and employee benefits | $516,000 | 4,435 |
| Premises and equipment expense | $131,000 | 4,397 |
| Additional noninterest expense | $205,000 | 5,302 |
| Pre-tax net operating income | $170,000 | 5,246 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $67,000 | 3,264 |
| Income before extraordinary items | $103,000 | 5,802 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $103,000 | 5,805 |
| 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 | $103,000 | 5,708 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,808,000 | 4,812 |
| Total interest expense | $2,963,000 | 4,829 |
| Net interest income | $3,845,000 | 4,748 |
| Provision for loan and lease losses | $51,000 | 5,640 |
| Total noninterest income | $142,000 | 7,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $142,000 | 5,665 |
| Total noninterest expense | $3,208,000 | 4,804 |
| Salaries and employee benefits | $1,909,000 | 4,550 |
| Premises and equipment expense | $513,000 | 4,275 |
| Additional noninterest expense | $786,000 | 5,407 |
| Pre-tax net operating income | $728,000 | 5,377 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $292,000 | 3,409 |
| Income before extraordinary items | $436,000 | 5,917 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $436,000 | 5,917 |
| 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 | $436,000 | 5,913 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,078,000 | 4,836 |
| Total interest expense | $2,202,000 | 4,879 |
| Net interest income | $2,876,000 | 4,777 |
| Provision for loan and lease losses | $38,000 | 5,373 |
| Total noninterest income | $97,000 | 7,354 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $97,000 | 5,858 |
| Total noninterest expense | $2,352,000 | 4,845 |
| Salaries and employee benefits | $1,415,000 | 4,558 |
| Premises and equipment expense | $379,000 | 4,320 |
| Additional noninterest expense | $558,000 | 5,518 |
| Pre-tax net operating income | $583,000 | 5,494 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $236,000 | 3,490 |
| Income before extraordinary items | $347,000 | 6,068 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $347,000 | 6,066 |
| 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 | $347,000 | 6,053 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,309,000 | 4,936 |
| Total interest expense | $1,409,000 | 4,979 |
| Net interest income | $1,900,000 | 4,822 |
| Provision for loan and lease losses | $38,000 | 4,699 |
| Total noninterest income | $54,000 | 7,573 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $54,000 | 6,160 |
| Total noninterest expense | $1,529,000 | 4,955 |
| Salaries and employee benefits | $929,000 | 4,648 |
| Premises and equipment expense | $250,000 | 4,389 |
| Additional noninterest expense | $350,000 | 5,682 |
| Pre-tax net operating income | $387,000 | 5,573 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $158,000 | 3,572 |
| Income before extraordinary items | $229,000 | 6,162 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $229,000 | 6,161 |
| 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 | $229,000 | 6,147 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,599,000 | 5,028 |
| Total interest expense | $669,000 | 5,099 |
| Net interest income | $930,000 | 4,907 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $27,000 | 7,566 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $27,000 | 6,153 |
| Total noninterest expense | $764,000 | 4,945 |
| Salaries and employee benefits | $468,000 | 4,650 |
| Premises and equipment expense | $125,000 | 4,394 |
| Additional noninterest expense | $171,000 | 5,730 |
| Pre-tax net operating income | $193,000 | 5,589 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $78,000 | 3,616 |
| Income before extraordinary items | $115,000 | 6,160 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $115,000 | 6,159 |
| 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 | $115,000 | 6,145 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,128,000 | 4,936 |
| Total interest expense | $2,262,000 | 5,077 |
| Net interest income | $3,866,000 | 4,752 |
| Provision for loan and lease losses | $60,000 | 5,315 |
| Total noninterest income | $73,000 | 8,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $73,000 | 6,807 |
| Total noninterest expense | $3,098,000 | 4,778 |
| Salaries and employee benefits | $1,807,000 | 4,599 |
| Premises and equipment expense | $441,000 | 4,629 |
| Additional noninterest expense | $850,000 | 5,037 |
| Pre-tax net operating income | $781,000 | 5,704 |
| Securities gains (losses) | $3,000 | 1,365 |
| Applicable income taxes | $123,000 | 4,791 |
| Income before extraordinary items | $661,000 | 5,617 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $661,000 | 5,618 |
| 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 | $658,480 | 5,606 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,489,000 | 5,007 |
| Total interest expense | $1,596,000 | 5,179 |
| Net interest income | $2,893,000 | 4,797 |
| Provision for loan and lease losses | $60,000 | 4,851 |
| Total noninterest income | $58,000 | 8,054 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $58,000 | 6,732 |
| Total noninterest expense | $2,307,000 | 4,788 |
| Salaries and employee benefits | $1,322,000 | 4,653 |
| Premises and equipment expense | $330,000 | 4,638 |
| Additional noninterest expense | $655,000 | 4,939 |
| Pre-tax net operating income | $584,000 | 5,918 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $584,000 | 5,419 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $584,000 | 5,422 |
| 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 | $584,000 | 5,414 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,890,000 | 5,088 |
| Total interest expense | $984,000 | 5,270 |
| Net interest income | $1,906,000 | 4,860 |
| Provision for loan and lease losses | $37,000 | 4,826 |
| Total noninterest income | $36,000 | 8,152 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $36,000 | 6,875 |
| Total noninterest expense | $1,517,000 | 4,842 |
| Salaries and employee benefits | $833,000 | 4,865 |
| Premises and equipment expense | $225,000 | 4,575 |
| Additional noninterest expense | $459,000 | 4,762 |
| Pre-tax net operating income | $388,000 | 5,962 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $388,000 | 5,451 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $388,000 | 5,453 |
| 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 | $388,000 | 5,450 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,378,000 | 5,189 |
| Total interest expense | $449,000 | 5,397 |
| Net interest income | $929,000 | 4,925 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $16,000 | 8,235 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $16,000 | 7,000 |
| Total noninterest expense | $730,000 | 4,989 |
| Salaries and employee benefits | $392,000 | 5,082 |
| Premises and equipment expense | $115,000 | 4,545 |
| Additional noninterest expense | $223,000 | 4,845 |
| Pre-tax net operating income | $200,000 | 5,845 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $200,000 | 5,352 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $200,000 | 5,351 |
| 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 | $200,000 | 5,352 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,620,000 | 5,405 |
| Total interest expense | $1,536,000 | 5,168 |
| Net interest income | $3,084,000 | 5,419 |
| Provision for loan and lease losses | $148,000 | 4,176 |
| Total noninterest income | $68,000 | 8,270 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $68,000 | 6,995 |
| Total noninterest expense | $2,671,000 | 5,155 |
| Salaries and employee benefits | $1,409,000 | 5,264 |
| Premises and equipment expense | $435,000 | 4,612 |
| Additional noninterest expense | $827,000 | 5,061 |
| Pre-tax net operating income | $333,000 | 7,281 |
| Securities gains (losses) | $6,000 | 1,641 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $339,000 | 7,013 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $339,000 | 7,014 |
| 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 | $333,000 | 7,023 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,331,000 | 5,499 |
| Total interest expense | $1,102,000 | 5,165 |
| Net interest income | $2,229,000 | 5,547 |
| Provision for loan and lease losses | $115,000 | 3,957 |
| Total noninterest income | $55,000 | 8,250 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $55,000 | 6,929 |
| Total noninterest expense | $1,919,000 | 5,279 |
| Salaries and employee benefits | $1,008,000 | 5,391 |
| Premises and equipment expense | $325,000 | 4,580 |
| Additional noninterest expense | $586,000 | 5,199 |
| Pre-tax net operating income | $250,000 | 7,422 |
| Securities gains (losses) | $6,000 | 1,641 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $256,000 | 7,155 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $256,000 | 7,154 |
| 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 | $250,000 | 7,145 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,103,000 | 5,593 |
| Total interest expense | $683,000 | 5,231 |
| Net interest income | $1,420,000 | 5,667 |
| Provision for loan and lease losses | $100,000 | 3,338 |
| Total noninterest income | $43,000 | 8,121 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $43,000 | 6,655 |
| Total noninterest expense | $1,209,000 | 5,449 |
| Salaries and employee benefits | $633,000 | 5,575 |
| Premises and equipment expense | $221,000 | 4,481 |
| Additional noninterest expense | $355,000 | 5,472 |
| Pre-tax net operating income | $154,000 | 7,524 |
| Securities gains (losses) | $5,000 | 1,582 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $159,000 | 7,275 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $159,000 | 7,276 |
| 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 | $154,000 | 7,268 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,004,000 | 5,715 |
| Total interest expense | $324,000 | 5,275 |
| Net interest income | $680,000 | 5,819 |
| Provision for loan and lease losses | $52,000 | 3,132 |
| Total noninterest income | $13,000 | 8,505 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $13,000 | 7,447 |
| Total noninterest expense | $589,000 | 5,572 |
| Salaries and employee benefits | $313,000 | 5,651 |
| Premises and equipment expense | $110,000 | 4,551 |
| Additional noninterest expense | $166,000 | 5,678 |
| Pre-tax net operating income | $52,000 | 7,875 |
| Securities gains (losses) | $4,000 | 1,261 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $56,000 | 7,665 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $56,000 | 7,664 |
| 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 | $2,947,000 | 6,479 |
| Total interest expense | $1,048,000 | 5,528 |
| Net interest income | $1,899,000 | 6,759 |
| Provision for loan and lease losses | $152,000 | 4,209 |
| Total noninterest income | $86,000 | 8,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $86,000 | 6,660 |
| Total noninterest expense | $2,261,000 | 5,609 |
| Salaries and employee benefits | $1,238,000 | 5,598 |
| Premises and equipment expense | $452,000 | 4,387 |
| Additional noninterest expense | $571,000 | 6,151 |
| Pre-tax net operating income | $-428,000 | 8,625 |
| Securities gains (losses) | $21,000 | 2,362 |
| Applicable income taxes | $-12,000 | 8,590 |
| Income before extraordinary items | $-395,000 | 8,669 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-395,000 | 8,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,978 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-415,370 | 8,651 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,080,000 | 6,649 |
| Total interest expense | $746,000 | 5,643 |
| Net interest income | $1,334,000 | 6,935 |
| Provision for loan and lease losses | $127,000 | 3,888 |
| Total noninterest income | $77,000 | 8,109 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $77,000 | 6,376 |
| Total noninterest expense | $1,708,000 | 5,569 |
| Salaries and employee benefits | $924,000 | 5,583 |
| Premises and equipment expense | $344,000 | 4,338 |
| Additional noninterest expense | $440,000 | 6,005 |
| Pre-tax net operating income | $-424,000 | 8,746 |
| Securities gains (losses) | $20,000 | 2,305 |
| Applicable income taxes | $-9,000 | 8,727 |
| Income before extraordinary items | $-395,000 | 8,775 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-395,000 | 8,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,697 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-414,600 | 8,755 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,318,000 | 6,818 |
| Total interest expense | $478,000 | 5,776 |
| Net interest income | $840,000 | 7,120 |
| Provision for loan and lease losses | $102,000 | 3,423 |
| Total noninterest income | $23,000 | 8,724 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $23,000 | 7,596 |
| Total noninterest expense | $1,139,000 | 5,601 |
| Salaries and employee benefits | $627,000 | 5,551 |
| Premises and equipment expense | $231,000 | 4,319 |
| Additional noninterest expense | $281,000 | 6,175 |
| Pre-tax net operating income | $-378,000 | 8,846 |
| Securities gains (losses) | $15,000 | 2,191 |
| Applicable income taxes | $-9,000 | 8,788 |
| Income before extraordinary items | $-354,000 | 8,877 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-354,000 | 8,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,524 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-368,700 | 8,857 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $623,000 | 6,979 |
| Total interest expense | $233,000 | 5,901 |
| Net interest income | $390,000 | 7,318 |
| Provision for loan and lease losses | $53,000 | 3,225 |
| Total noninterest income | $8,000 | 8,856 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $8,000 | 7,967 |
| Total noninterest expense | $565,000 | 5,643 |
| Salaries and employee benefits | $321,000 | 5,515 |
| Premises and equipment expense | $120,000 | 4,238 |
| Additional noninterest expense | $124,000 | 6,581 |
| Pre-tax net operating income | $-220,000 | 8,926 |
| Securities gains (losses) | $9,000 | 2,096 |
| Applicable income taxes | $-9,000 | 8,853 |
| Income before extraordinary items | $-202,000 | 8,943 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-202,000 | 8,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-210,640 | 8,922 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,818,000 | 7,746 |
| Total interest expense | $687,000 | 7,082 |
| Net interest income | $1,131,000 | 7,908 |
| Provision for loan and lease losses | $111,000 | 5,159 |
| Total noninterest income | $19,000 | 9,014 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $19,000 | 8,467 |
| Total noninterest expense | $2,397,000 | 5,372 |
| Salaries and employee benefits | $1,455,000 | 4,944 |
| Premises and equipment expense | $423,000 | 4,549 |
| Additional noninterest expense | $519,000 | 6,432 |
| Pre-tax net operating income | $-1,358,000 | 9,030 |
| Securities gains (losses) | $70,000 | 2,206 |
| Applicable income taxes | $36,000 | 6,492 |
| Income before extraordinary items | $-1,324,000 | 9,074 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,324,000 | 9,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-1,394,000 | 9,041 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,269,000 | 7,972 |
| Total interest expense | $472,000 | 7,443 |
| Net interest income | $797,000 | 8,086 |
| Provision for loan and lease losses | $77,000 | 5,176 |
| Total noninterest income | $14,000 | 9,084 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $14,000 | 8,509 |
| Total noninterest expense | $1,805,000 | 5,314 |
| Salaries and employee benefits | $1,125,000 | 4,838 |
| Premises and equipment expense | $305,000 | 4,655 |
| Additional noninterest expense | $375,000 | 6,535 |
| Pre-tax net operating income | $-1,071,000 | 9,088 |
| Securities gains (losses) | $66,000 | 2,089 |
| Applicable income taxes | $26,000 | 6,659 |
| Income before extraordinary items | $-1,031,000 | 9,129 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-1,031,000 | 9,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-1,097,000 | 9,091 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $824,000 | 8,072 |
| Total interest expense | $295,000 | 7,704 |
| Net interest income | $529,000 | 8,133 |
| Provision for loan and lease losses | $56,000 | 5,002 |
| Total noninterest income | $6,000 | 9,151 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $6,000 | 8,732 |
| Total noninterest expense | $1,207,000 | 5,313 |
| Salaries and employee benefits | $764,000 | 4,782 |
| Premises and equipment expense | $189,000 | 4,885 |
| Additional noninterest expense | $254,000 | 6,484 |
| Pre-tax net operating income | $-728,000 | 9,125 |
| Securities gains (losses) | $55,000 | 1,944 |
| Applicable income taxes | $17,000 | 6,701 |
| Income before extraordinary items | $-690,000 | 9,173 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-690,000 | 9,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-745,000 | 9,128 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $382,000 | 8,248 |
| Total interest expense | $129,000 | 8,053 |
| Net interest income | $253,000 | 8,231 |
| Provision for loan and lease losses | $26,000 | 4,905 |
| Total noninterest income | $2,000 | 9,206 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $600,000 | 5,335 |
| Salaries and employee benefits | $385,000 | 4,742 |
| Premises and equipment expense | $88,000 | 5,119 |
| Additional noninterest expense | $127,000 | 6,476 |
| Pre-tax net operating income | $-371,000 | 9,175 |
| Securities gains (losses) | $34,000 | 1,611 |
| Applicable income taxes | $9,000 | 6,623 |
| Income before extraordinary items | $-346,000 | 9,203 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-346,000 | 9,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-380,000 | 9,168 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $999,000 | 8,860 |
| Total interest expense | $307,000 | 8,871 |
| Net interest income | $692,000 | 8,751 |
| Provision for loan and lease losses | $80,000 | 6,062 |
| Total noninterest income | $9,000 | 9,233 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,000 | 8,930 |
| Total noninterest expense | $2,449,000 | 5,151 |
| Salaries and employee benefits | $1,542,000 | 4,593 |
| Premises and equipment expense | $463,000 | 4,186 |
| Additional noninterest expense | $444,000 | 6,850 |
| Pre-tax net operating income | $-1,828,000 | 9,236 |
| Securities gains (losses) | $172,000 | 1,271 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-1,656,000 | 9,257 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,656,000 | 9,255 |
| 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 | $-1,828,000 | 9,238 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $408,000 | 9,462 |
| Total interest expense | $41,000 | 9,506 |
| Net interest income | $367,000 | 9,338 |
| Provision for loan and lease losses | $33,000 | 7,158 |
| Total noninterest income | $4,000 | 9,518 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,000 | 9,354 |
| Total noninterest expense | $1,527,000 | 6,738 |
| Salaries and employee benefits | $887,000 | 6,429 |
| Premises and equipment expense | $299,000 | 5,528 |
| Additional noninterest expense | $341,000 | 7,570 |
| Pre-tax net operating income | $-1,189,000 | 9,404 |
| Securities gains (losses) | $23,000 | 3,041 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-1,166,000 | 9,452 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-1,166,000 | 9,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $11,425,000 | 60 |
| Net operating income | $-1,189,000 | 9,420 |
* 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.