Home > Jefferson Bank > Income and Expense
Jefferson Bank, Income and Expense
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,530,000 | 3,736 |
| Total interest expense | $1,984,000 | 1,642 |
| Net interest income | $1,546,000 | 5,267 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $-1,233,000 | 7,460 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $87,000 | 4,645 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-1,320,000 | 7,457 |
| Total noninterest expense | $3,373,000 | 2,773 |
| Salaries and employee benefits | $1,315,000 | 3,450 |
| Premises and equipment expense | $588,000 | 2,142 |
| Additional noninterest expense | $1,470,000 | 2,284 |
| Pre-tax net operating income | $-3,060,000 | 7,269 |
| Securities gains (losses) | $17,000 | 2,165 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-3,043,000 | 7,296 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-3,043,000 | 7,295 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-3,043,000 | 7,296 |
| Net charge-offs | $1,219,000 | 1,307 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-3,060,000 | 7,285 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,842,000 | 3,625 |
| Total interest expense | $999,000 | 1,685 |
| Net interest income | $843,000 | 5,035 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $-856,000 | 7,538 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $43,000 | 4,615 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-899,000 | 7,543 |
| Total noninterest expense | $1,776,000 | 2,674 |
| Salaries and employee benefits | $701,000 | 3,326 |
| Premises and equipment expense | $303,000 | 2,115 |
| Additional noninterest expense | $772,000 | 2,175 |
| Pre-tax net operating income | $-1,789,000 | 7,375 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-1,789,000 | 7,388 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-1,789,000 | 7,388 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,789,000 | 7,388 |
| Net charge-offs | $1,011,000 | 854 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-1,789,000 | 7,386 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $11,218,000 | 2,669 |
| Total interest expense | $5,310,000 | 1,562 |
| Net interest income | $5,908,000 | 3,504 |
| Provision for loan and lease losses | $830,000 | 3,353 |
| Total noninterest income | $-828,000 | 7,528 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $308,000 | 3,582 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-1,136,000 | 7,504 |
| Total noninterest expense | $8,848,000 | 2,193 |
| Salaries and employee benefits | $3,019,000 | 3,104 |
| Premises and equipment expense | $1,407,000 | 1,829 |
| Additional noninterest expense | $4,422,000 | 1,630 |
| Pre-tax net operating income | $-4,598,000 | 7,074 |
| Securities gains (losses) | $2,141,000 | 251 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-2,457,000 | 6,929 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,457,000 | 6,929 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-2,457,000 | 6,930 |
| Net charge-offs | $4,926,000 | 1,034 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-4,598,000 | 7,125 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $9,289,000 | 2,483 |
| Total interest expense | $4,207,000 | 1,543 |
| Net interest income | $5,082,000 | 3,196 |
| Provision for loan and lease losses | $680,000 | 3,074 |
| Total noninterest income | $-442,000 | 7,630 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $244,000 | 3,537 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-686,000 | 7,613 |
| Total noninterest expense | $7,016,000 | 2,059 |
| Salaries and employee benefits | $2,372,000 | 2,996 |
| Premises and equipment expense | $1,094,000 | 1,773 |
| Additional noninterest expense | $3,550,000 | 1,498 |
| Pre-tax net operating income | $-3,056,000 | 7,208 |
| Securities gains (losses) | $1,987,000 | 222 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-1,069,000 | 6,926 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,069,000 | 6,926 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-1,069,000 | 6,926 |
| Net charge-offs | $3,995,000 | 913 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-3,056,000 | 7,257 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,625,000 | 2,356 |
| Total interest expense | $2,981,000 | 1,508 |
| Net interest income | $3,644,000 | 3,019 |
| Provision for loan and lease losses | $530,000 | 2,770 |
| Total noninterest income | $-19,000 | 7,567 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $166,000 | 3,514 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-185,000 | 7,596 |
| Total noninterest expense | $4,845,000 | 2,015 |
| Salaries and employee benefits | $1,620,000 | 2,942 |
| Premises and equipment expense | $736,000 | 1,770 |
| Additional noninterest expense | $2,489,000 | 1,428 |
| Pre-tax net operating income | $-1,750,000 | 7,218 |
| Securities gains (losses) | $446,000 | 525 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-1,304,000 | 7,187 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,304,000 | 7,186 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,304,000 | 7,187 |
| Net charge-offs | $3,493,000 | 727 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,750,000 | 7,287 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,454,000 | 2,320 |
| Total interest expense | $1,598,000 | 1,479 |
| Net interest income | $1,856,000 | 2,984 |
| Provision for loan and lease losses | $200,000 | 2,974 |
| Total noninterest income | $136,000 | 4,491 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $84,000 | 3,502 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $52,000 | 4,626 |
| Total noninterest expense | $2,643,000 | 1,885 |
| Salaries and employee benefits | $836,000 | 2,901 |
| Premises and equipment expense | $371,000 | 1,825 |
| Additional noninterest expense | $1,436,000 | 1,227 |
| Pre-tax net operating income | $-851,000 | 7,363 |
| Securities gains (losses) | $3,000 | 1,999 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-848,000 | 7,424 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-848,000 | 7,424 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-848,000 | 7,425 |
| Net charge-offs | $2,111,000 | 624 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-851,000 | 7,413 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $17,756,000 | 1,900 |
| Total interest expense | $8,168,000 | 1,464 |
| Net interest income | $9,588,000 | 2,283 |
| Provision for loan and lease losses | $12,417,000 | 720 |
| Total noninterest income | $-717,000 | 7,905 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $435,000 | 3,164 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-1,152,000 | 7,889 |
| Total noninterest expense | $11,514,000 | 1,773 |
| Salaries and employee benefits | $3,725,000 | 2,618 |
| Premises and equipment expense | $1,650,000 | 1,633 |
| Additional noninterest expense | $6,139,000 | 1,241 |
| Pre-tax net operating income | $-15,060,000 | 7,634 |
| Securities gains (losses) | $1,680,000 | 317 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-13,380,000 | 7,644 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-13,380,000 | 7,642 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-13,380,000 | 7,643 |
| Net charge-offs | $9,476,000 | 719 |
| Cash dividends | $216,000 | 3,570 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-15,060,000 | 7,676 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $13,692,000 | 1,893 |
| Total interest expense | $6,419,000 | 1,468 |
| Net interest income | $7,273,000 | 2,257 |
| Provision for loan and lease losses | $8,302,000 | 727 |
| Total noninterest income | $-598,000 | 8,019 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $341,000 | 3,096 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-939,000 | 8,008 |
| Total noninterest expense | $8,758,000 | 1,731 |
| Salaries and employee benefits | $2,877,000 | 2,559 |
| Premises and equipment expense | $1,234,000 | 1,654 |
| Additional noninterest expense | $4,647,000 | 1,212 |
| Pre-tax net operating income | $-10,385,000 | 7,753 |
| Securities gains (losses) | $1,680,000 | 241 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-8,705,000 | 7,747 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-8,705,000 | 7,745 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-8,705,000 | 7,746 |
| Net charge-offs | $8,889,000 | 553 |
| Cash dividends | $216,000 | 2,998 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-10,385,000 | 7,792 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $9,367,000 | 1,885 |
| Total interest expense | $4,499,000 | 1,478 |
| Net interest income | $4,868,000 | 2,240 |
| Provision for loan and lease losses | $7,102,000 | 585 |
| Total noninterest income | $-502,000 | 8,110 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $213,000 | 3,195 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-715,000 | 8,106 |
| Total noninterest expense | $5,993,000 | 1,714 |
| Salaries and employee benefits | $1,877,000 | 2,648 |
| Premises and equipment expense | $818,000 | 1,698 |
| Additional noninterest expense | $3,298,000 | 1,163 |
| Pre-tax net operating income | $-8,729,000 | 7,891 |
| Securities gains (losses) | $1,160,000 | 254 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-7,569,000 | 7,901 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-7,569,000 | 7,900 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-7,569,000 | 7,900 |
| Net charge-offs | $7,534,000 | 450 |
| Cash dividends | $216,000 | 2,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-8,729,000 | 7,928 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,961,000 | 1,806 |
| Total interest expense | $2,383,000 | 1,456 |
| Net interest income | $2,578,000 | 2,123 |
| Provision for loan and lease losses | $3,302,000 | 530 |
| Total noninterest income | $-91,000 | 8,150 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $106,000 | 3,154 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-197,000 | 8,156 |
| Total noninterest expense | $2,990,000 | 1,671 |
| Salaries and employee benefits | $942,000 | 2,679 |
| Premises and equipment expense | $405,000 | 1,743 |
| Additional noninterest expense | $1,643,000 | 1,023 |
| Pre-tax net operating income | $-3,805,000 | 7,982 |
| Securities gains (losses) | $836,000 | 214 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-2,969,000 | 7,972 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,969,000 | 7,973 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-2,969,000 | 7,973 |
| Net charge-offs | $3,627,000 | 398 |
| Cash dividends | $216,000 | 1,645 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-3,805,000 | 8,017 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $19,158,000 | 1,989 |
| Total interest expense | $9,047,000 | 1,781 |
| Net interest income | $10,111,000 | 2,197 |
| Provision for loan and lease losses | $4,706,000 | 1,046 |
| Total noninterest income | $89,000 | 7,408 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $437,000 | 3,281 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-348,000 | 8,198 |
| Total noninterest expense | $8,699,000 | 2,197 |
| Salaries and employee benefits | $4,070,000 | 2,471 |
| Premises and equipment expense | $1,665,000 | 1,655 |
| Additional noninterest expense | $2,964,000 | 2,032 |
| Pre-tax net operating income | $-3,205,000 | 7,626 |
| Securities gains (losses) | $251,000 | 616 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-2,954,000 | 7,601 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,954,000 | 7,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,285,000 | 1,187 |
| Cash dividends | $665,000 | 2,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-3,205,000 | 7,709 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $14,264,000 | 2,051 |
| Total interest expense | $6,854,000 | 1,834 |
| Net interest income | $7,410,000 | 2,263 |
| Provision for loan and lease losses | $2,206,000 | 1,112 |
| Total noninterest income | $355,000 | 5,055 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $343,000 | 3,225 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $12,000 | 7,702 |
| Total noninterest expense | $6,355,000 | 2,251 |
| Salaries and employee benefits | $3,066,000 | 2,492 |
| Premises and equipment expense | $1,229,000 | 1,688 |
| Additional noninterest expense | $2,060,000 | 2,108 |
| Pre-tax net operating income | $-796,000 | 7,430 |
| Securities gains (losses) | $251,000 | 527 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-545,000 | 7,223 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-545,000 | 7,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,670,000 | 947 |
| Cash dividends | $610,000 | 2,456 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-796,000 | 7,518 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,306,000 | 2,117 |
| Total interest expense | $4,569,000 | 1,889 |
| Net interest income | $4,737,000 | 2,325 |
| Provision for loan and lease losses | $886,000 | 1,335 |
| Total noninterest income | $288,000 | 4,719 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $219,000 | 3,299 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $69,000 | 5,660 |
| Total noninterest expense | $4,177,000 | 2,289 |
| Salaries and employee benefits | $2,057,000 | 2,510 |
| Premises and equipment expense | $783,000 | 1,747 |
| Additional noninterest expense | $1,337,000 | 2,110 |
| Pre-tax net operating income | $-38,000 | 7,065 |
| Securities gains (losses) | $159,000 | 704 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $121,000 | 6,200 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $121,000 | 6,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 1,936 |
| Cash dividends | $462,000 | 2,401 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-38,000 | 7,097 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,656,000 | 2,167 |
| Total interest expense | $2,377,000 | 1,954 |
| Net interest income | $2,279,000 | 2,404 |
| Provision for loan and lease losses | $340,000 | 1,271 |
| Total noninterest income | $151,000 | 4,598 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $103,000 | 3,386 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $48,000 | 5,134 |
| Total noninterest expense | $2,084,000 | 2,286 |
| Salaries and employee benefits | $1,054,000 | 2,465 |
| Premises and equipment expense | $373,000 | 1,826 |
| Additional noninterest expense | $657,000 | 2,132 |
| Pre-tax net operating income | $6,000 | 7,104 |
| Securities gains (losses) | $110,000 | 670 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $116,000 | 5,625 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $116,000 | 5,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 2,218 |
| Cash dividends | $379,000 | 1,662 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $6,000 | 7,102 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,414,000 | 2,237 |
| Total interest expense | $8,947,000 | 2,126 |
| Net interest income | $9,467,000 | 2,351 |
| Provision for loan and lease losses | $990,000 | 1,432 |
| Total noninterest income | $513,000 | 4,979 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $275,000 | 4,270 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $238,000 | 4,699 |
| Total noninterest expense | $7,499,000 | 2,431 |
| Salaries and employee benefits | $3,770,000 | 2,631 |
| Premises and equipment expense | $1,371,000 | 1,904 |
| Additional noninterest expense | $2,358,000 | 2,294 |
| Pre-tax net operating income | $1,491,000 | 3,913 |
| Securities gains (losses) | $58,000 | 746 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $1,549,000 | 3,366 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,549,000 | 3,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $485,000 | 1,731 |
| Cash dividends | $1,208,000 | 2,320 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,491,000 | 3,451 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,458,000 | 2,306 |
| Total interest expense | $6,441,000 | 2,187 |
| Net interest income | $7,017,000 | 2,396 |
| Provision for loan and lease losses | $552,000 | 1,440 |
| Total noninterest income | $348,000 | 5,223 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $187,000 | 4,481 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $161,000 | 4,932 |
| Total noninterest expense | $5,433,000 | 2,498 |
| Salaries and employee benefits | $2,691,000 | 2,735 |
| Premises and equipment expense | $1,029,000 | 1,892 |
| Additional noninterest expense | $1,713,000 | 2,316 |
| Pre-tax net operating income | $1,380,000 | 3,643 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $1,380,000 | 3,147 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,380,000 | 3,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $295,000 | 1,548 |
| Cash dividends | $928,000 | 2,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,380,000 | 3,130 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,601,000 | 2,410 |
| Total interest expense | $4,066,000 | 2,292 |
| Net interest income | $4,535,000 | 2,485 |
| Provision for loan and lease losses | $343,000 | 1,394 |
| Total noninterest income | $237,000 | 5,210 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $126,000 | 4,462 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $111,000 | 4,935 |
| Total noninterest expense | $3,546,000 | 2,581 |
| Salaries and employee benefits | $1,751,000 | 2,839 |
| Premises and equipment expense | $677,000 | 1,933 |
| Additional noninterest expense | $1,118,000 | 2,368 |
| Pre-tax net operating income | $883,000 | 3,807 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $883,000 | 3,304 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $883,000 | 3,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 1,385 |
| Cash dividends | $642,000 | 2,091 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $883,000 | 3,282 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,259,000 | 2,422 |
| Total interest expense | $1,997,000 | 2,319 |
| Net interest income | $2,262,000 | 2,492 |
| Provision for loan and lease losses | $170,000 | 1,311 |
| Total noninterest income | $123,000 | 5,068 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $63,000 | 4,424 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $60,000 | 4,749 |
| Total noninterest expense | $1,720,000 | 2,646 |
| Salaries and employee benefits | $863,000 | 2,878 |
| Premises and equipment expense | $333,000 | 1,961 |
| Additional noninterest expense | $524,000 | 2,512 |
| Pre-tax net operating income | $495,000 | 3,552 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $495,000 | 3,050 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $495,000 | 3,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 1,031 |
| Cash dividends | $430,000 | 1,591 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $495,000 | 3,032 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $16,388,000 | 2,369 |
| Total interest expense | $7,246,000 | 2,224 |
| Net interest income | $9,142,000 | 2,479 |
| Provision for loan and lease losses | $819,000 | 1,251 |
| Total noninterest income | $500,000 | 5,138 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $259,000 | 4,415 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $241,000 | 4,733 |
| Total noninterest expense | $6,518,000 | 2,682 |
| Salaries and employee benefits | $3,062,000 | 3,078 |
| Premises and equipment expense | $1,452,000 | 1,748 |
| Additional noninterest expense | $2,004,000 | 2,563 |
| Pre-tax net operating income | $2,305,000 | 3,328 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $2,305,000 | 2,788 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,305,000 | 2,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $484,000 | 1,200 |
| Cash dividends | $859,000 | 2,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,305,000 | 2,780 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,079,000 | 2,398 |
| Total interest expense | $5,258,000 | 2,230 |
| Net interest income | $6,821,000 | 2,515 |
| Provision for loan and lease losses | $719,000 | 1,032 |
| Total noninterest income | $375,000 | 5,158 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $186,000 | 4,543 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $189,000 | 4,650 |
| Total noninterest expense | $4,751,000 | 2,744 |
| Salaries and employee benefits | $2,262,000 | 3,101 |
| Premises and equipment expense | $1,059,000 | 1,796 |
| Additional noninterest expense | $1,430,000 | 2,668 |
| Pre-tax net operating income | $1,726,000 | 3,458 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $1,726,000 | 2,887 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,726,000 | 2,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $376,000 | 992 |
| Cash dividends | $599,000 | 2,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,726,000 | 2,878 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,775,000 | 2,430 |
| Total interest expense | $3,306,000 | 2,247 |
| Net interest income | $4,469,000 | 2,558 |
| Provision for loan and lease losses | $419,000 | 1,137 |
| Total noninterest income | $291,000 | 4,820 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $120,000 | 4,594 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $171,000 | 4,055 |
| Total noninterest expense | $3,461,000 | 2,551 |
| Salaries and employee benefits | $1,679,000 | 2,824 |
| Premises and equipment expense | $721,000 | 1,759 |
| Additional noninterest expense | $1,061,000 | 2,427 |
| Pre-tax net operating income | $880,000 | 4,107 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $880,000 | 3,503 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $880,000 | 3,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $245,000 | 951 |
| Cash dividends | $412,000 | 2,645 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $880,000 | 3,491 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,737,000 | 2,472 |
| Total interest expense | $1,516,000 | 2,313 |
| Net interest income | $2,221,000 | 2,550 |
| Provision for loan and lease losses | $244,000 | 957 |
| Total noninterest income | $92,000 | 5,770 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $61,000 | 4,498 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $31,000 | 6,011 |
| Total noninterest expense | $1,945,000 | 2,285 |
| Salaries and employee benefits | $995,000 | 2,453 |
| Premises and equipment expense | $358,000 | 1,776 |
| Additional noninterest expense | $592,000 | 2,182 |
| Pre-tax net operating income | $124,000 | 6,757 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $124,000 | 6,355 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $124,000 | 6,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 583 |
| Cash dividends | $228,000 | 2,255 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $124,000 | 6,351 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,552,000 | 2,435 |
| Total interest expense | $4,778,000 | 2,291 |
| Net interest income | $8,774,000 | 2,483 |
| Provision for loan and lease losses | $849,000 | 1,198 |
| Total noninterest income | $2,006,000 | 2,205 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $268,000 | 4,419 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,738,000 | 1,497 |
| Total noninterest expense | $8,866,000 | 1,907 |
| Salaries and employee benefits | $4,743,000 | 1,945 |
| Premises and equipment expense | $1,428,000 | 1,713 |
| Additional noninterest expense | $2,695,000 | 1,878 |
| Pre-tax net operating income | $1,065,000 | 5,192 |
| Securities gains (losses) | $5,000 | 1,712 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,070,000 | 4,653 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,070,000 | 4,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $550,000 | 1,083 |
| Cash dividends | $442,000 | 3,855 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,065,000 | 4,625 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,896,000 | 2,445 |
| Total interest expense | $3,373,000 | 2,305 |
| Net interest income | $6,523,000 | 2,489 |
| Provision for loan and lease losses | $659,000 | 1,131 |
| Total noninterest income | $1,651,000 | 2,055 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $197,000 | 4,490 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,454,000 | 1,401 |
| Total noninterest expense | $6,802,000 | 1,848 |
| Salaries and employee benefits | $3,708,000 | 1,860 |
| Premises and equipment expense | $1,063,000 | 1,711 |
| Additional noninterest expense | $2,031,000 | 1,836 |
| Pre-tax net operating income | $713,000 | 5,603 |
| Securities gains (losses) | $5,000 | 1,712 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $718,000 | 5,025 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $718,000 | 5,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $555,000 | 769 |
| Cash dividends | $325,000 | 3,400 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $713,000 | 5,001 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,323,000 | 2,484 |
| Total interest expense | $2,074,000 | 2,363 |
| Net interest income | $4,249,000 | 2,520 |
| Provision for loan and lease losses | $410,000 | 1,163 |
| Total noninterest income | $1,218,000 | 1,908 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $133,000 | 4,431 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,085,000 | 1,263 |
| Total noninterest expense | $4,675,000 | 1,783 |
| Salaries and employee benefits | $2,597,000 | 1,765 |
| Premises and equipment expense | $713,000 | 1,682 |
| Additional noninterest expense | $1,365,000 | 1,809 |
| Pre-tax net operating income | $382,000 | 6,091 |
| Securities gains (losses) | $5,000 | 1,582 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $387,000 | 5,523 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $387,000 | 5,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 1,164 |
| Cash dividends | $230,000 | 3,331 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $382,000 | 5,509 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,859,000 | 2,686 |
| Total interest expense | $899,000 | 2,539 |
| Net interest income | $1,960,000 | 2,697 |
| Provision for loan and lease losses | $161,000 | 1,324 |
| Total noninterest income | $756,000 | 1,560 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $64,000 | 4,460 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $692,000 | 1,049 |
| Total noninterest expense | $2,313,000 | 1,804 |
| Salaries and employee benefits | $1,322,000 | 1,745 |
| Premises and equipment expense | $353,000 | 1,700 |
| Additional noninterest expense | $638,000 | 1,922 |
| Pre-tax net operating income | $242,000 | 5,520 |
| Securities gains (losses) | $5,000 | 1,192 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $247,000 | 4,900 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $247,000 | 4,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 2,699 |
| Cash dividends | $150,000 | 2,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $242,000 | 4,901 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,459,000 | 2,975 |
| Total interest expense | $2,710,000 | 2,848 |
| Net interest income | $6,749,000 | 2,986 |
| Provision for loan and lease losses | $1,021,000 | 1,014 |
| Total noninterest income | $3,425,000 | 1,441 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $295,000 | 4,354 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,130,000 | 948 |
| Total noninterest expense | $10,213,000 | 1,592 |
| Salaries and employee benefits | $5,604,000 | 1,584 |
| Premises and equipment expense | $1,288,000 | 1,790 |
| Additional noninterest expense | $3,321,000 | 1,499 |
| Pre-tax net operating income | $-1,060,000 | 8,817 |
| Securities gains (losses) | $111,000 | 1,169 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-949,000 | 8,830 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-949,000 | 8,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $677,000 | 1,049 |
| Cash dividends | $275,000 | 4,480 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-1,060,000 | 8,823 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,854,000 | 3,031 |
| Total interest expense | $1,938,000 | 2,916 |
| Net interest income | $4,916,000 | 3,051 |
| Provision for loan and lease losses | $520,000 | 1,412 |
| Total noninterest income | $3,036,000 | 1,291 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $223,000 | 4,376 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,813,000 | 845 |
| Total noninterest expense | $7,950,000 | 1,533 |
| Salaries and employee benefits | $4,357,000 | 1,521 |
| Premises and equipment expense | $952,000 | 1,821 |
| Additional noninterest expense | $2,641,000 | 1,400 |
| Pre-tax net operating income | $-518,000 | 8,778 |
| Securities gains (losses) | $105,000 | 1,142 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-413,000 | 8,780 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-413,000 | 8,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $396,000 | 1,171 |
| Cash dividends | $275,000 | 3,569 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-518,000 | 8,796 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,422,000 | 3,107 |
| Total interest expense | $1,233,000 | 3,013 |
| Net interest income | $3,189,000 | 3,110 |
| Provision for loan and lease losses | $382,000 | 1,281 |
| Total noninterest income | $1,739,000 | 1,430 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $150,000 | 4,337 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,589,000 | 949 |
| Total noninterest expense | $5,535,000 | 1,461 |
| Salaries and employee benefits | $3,047,000 | 1,448 |
| Premises and equipment expense | $621,000 | 1,840 |
| Additional noninterest expense | $1,867,000 | 1,304 |
| Pre-tax net operating income | $-989,000 | 8,992 |
| Securities gains (losses) | $94,000 | 1,069 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-895,000 | 9,003 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-895,000 | 9,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $380,000 | 875 |
| Cash dividends | $275,000 | 3,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-989,000 | 8,994 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,036,000 | 3,340 |
| Total interest expense | $582,000 | 3,192 |
| Net interest income | $1,454,000 | 3,346 |
| Provision for loan and lease losses | $180,000 | 1,248 |
| Total noninterest income | $953,000 | 1,294 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $80,000 | 4,116 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $873,000 | 869 |
| Total noninterest expense | $2,391,000 | 1,695 |
| Salaries and employee benefits | $1,479,000 | 1,503 |
| Premises and equipment expense | $285,000 | 2,027 |
| Additional noninterest expense | $627,000 | 1,877 |
| Pre-tax net operating income | $-164,000 | 8,877 |
| Securities gains (losses) | $94,000 | 837 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-70,000 | 8,786 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-70,000 | 8,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 634 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-164,000 | 8,888 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,919,000 | 3,476 |
| Total interest expense | $2,638,000 | 3,209 |
| Net interest income | $5,281,000 | 3,546 |
| Provision for loan and lease losses | $598,000 | 1,886 |
| Total noninterest income | $10,082,000 | 650 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $347,000 | 3,974 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $9,735,000 | 462 |
| Total noninterest expense | $12,241,000 | 1,321 |
| Salaries and employee benefits | $7,316,000 | 1,167 |
| Premises and equipment expense | $1,055,000 | 2,154 |
| Additional noninterest expense | $3,870,000 | 1,286 |
| Pre-tax net operating income | $2,524,000 | 2,857 |
| Securities gains (losses) | $157,000 | 1,525 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $2,681,000 | 2,247 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,681,000 | 2,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,366 |
| Cash dividends | $425,000 | 3,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,524,000 | 2,249 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,039,000 | 3,473 |
| Total interest expense | $2,095,000 | 3,165 |
| Net interest income | $3,944,000 | 3,561 |
| Provision for loan and lease losses | $513,000 | 1,628 |
| Total noninterest income | $10,171,000 | 553 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $273,000 | 3,870 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,898,000 | 388 |
| Total noninterest expense | $10,031,000 | 1,212 |
| Salaries and employee benefits | $6,010,000 | 1,061 |
| Premises and equipment expense | $781,000 | 2,197 |
| Additional noninterest expense | $3,240,000 | 1,166 |
| Pre-tax net operating income | $3,571,000 | 1,754 |
| Securities gains (losses) | $157,000 | 1,387 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $3,728,000 | 1,332 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,728,000 | 1,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 2,593 |
| Cash dividends | $425,000 | 2,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,571,000 | 1,318 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,795,000 | 3,652 |
| Total interest expense | $1,475,000 | 3,098 |
| Net interest income | $2,320,000 | 3,936 |
| Provision for loan and lease losses | $296,000 | 1,889 |
| Total noninterest income | $6,526,000 | 561 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $181,000 | 3,850 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $6,345,000 | 399 |
| Total noninterest expense | $6,513,000 | 1,244 |
| Salaries and employee benefits | $4,051,000 | 1,052 |
| Premises and equipment expense | $506,000 | 2,235 |
| Additional noninterest expense | $1,956,000 | 1,274 |
| Pre-tax net operating income | $2,037,000 | 2,000 |
| Securities gains (losses) | $136,000 | 1,291 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $2,173,000 | 1,506 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,173,000 | 1,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,226 |
| Cash dividends | $425,000 | 2,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,037,000 | 1,495 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,855,000 | 3,731 |
| Total interest expense | $781,000 | 3,002 |
| Net interest income | $1,074,000 | 4,178 |
| Provision for loan and lease losses | $139,000 | 1,892 |
| Total noninterest income | $2,603,000 | 650 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $74,000 | 4,258 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,529,000 | 464 |
| Total noninterest expense | $2,974,000 | 1,358 |
| Salaries and employee benefits | $1,894,000 | 1,116 |
| Premises and equipment expense | $243,000 | 2,301 |
| Additional noninterest expense | $837,000 | 1,431 |
| Pre-tax net operating income | $564,000 | 3,218 |
| Securities gains (losses) | $112,000 | 936 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $676,000 | 2,257 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $676,000 | 2,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,840 |
| Cash dividends | $425,000 | 1,395 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $564,000 | 2,544 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,296,000 | 6,537 |
| Total interest expense | $1,088,000 | 6,709 |
| Net interest income | $2,208,000 | 6,308 |
| Provision for loan and lease losses | $283,000 | 3,595 |
| Total noninterest income | $-581,000 | 9,342 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $171,000 | 5,579 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-752,000 | 9,352 |
| Total noninterest expense | $5,623,000 | 2,629 |
| Salaries and employee benefits | $3,711,000 | 2,157 |
| Premises and equipment expense | $581,000 | 3,503 |
| Additional noninterest expense | $1,331,000 | 3,295 |
| Pre-tax net operating income | $-4,279,000 | 9,308 |
| Securities gains (losses) | $77,000 | 2,005 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-4,202,000 | 9,319 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-4,202,000 | 9,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 2,942 |
| Cash dividends | $160,000 | 5,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-4,279,000 | 9,301 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,508,000 | 7,742 |
| Total interest expense | $1,138,000 | 7,726 |
| Net interest income | $1,370,000 | 7,562 |
| Provision for loan and lease losses | $23,000 | 7,499 |
| Total noninterest income | $238,000 | 6,954 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $234,000 | 4,797 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,000 | 9,354 |
| Total noninterest expense | $1,378,000 | 7,060 |
| Salaries and employee benefits | $768,000 | 6,915 |
| Premises and equipment expense | $230,000 | 6,354 |
| Additional noninterest expense | $380,000 | 7,301 |
| Pre-tax net operating income | $207,000 | 7,840 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $207,000 | 7,676 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $207,000 | 7,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,506 |
| Cash dividends | $214,000 | 4,911 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $207,000 | 7,561 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,745,000 | 7,662 |
| Total interest expense | $1,215,000 | 7,772 |
| Net interest income | $1,530,000 | 7,423 |
| Provision for loan and lease losses | $115,000 | 5,030 |
| Total noninterest income | $226,000 | 7,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $176,000 | 5,411 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 7,811 |
| Total noninterest expense | $1,444,000 | 6,886 |
| Salaries and employee benefits | $850,000 | 6,501 |
| Premises and equipment expense | $230,000 | 6,312 |
| Additional noninterest expense | $364,000 | 7,444 |
| Pre-tax net operating income | $197,000 | 8,374 |
| Securities gains (losses) | $-3,000 | 7,730 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $194,000 | 8,101 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $194,000 | 8,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,164 |
| Cash dividends | $132,000 | 5,665 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $197,000 | 8,081 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,009,000 | 8,490 |
| Total interest expense | $837,000 | 8,595 |
| Net interest income | $1,172,000 | 8,254 |
| Provision for loan and lease losses | $54,000 | 6,426 |
| Total noninterest income | $166,000 | 7,898 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $107,000 | 6,576 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 7,752 |
| Total noninterest expense | $1,241,000 | 7,461 |
| Salaries and employee benefits | $706,000 | 7,205 |
| Premises and equipment expense | $191,000 | 6,951 |
| Additional noninterest expense | $344,000 | 7,756 |
| Pre-tax net operating income | $43,000 | 9,261 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $4,000 | 8,624 |
| Income before extraordinary items | $39,000 | 9,289 |
| Extraordinary gains, net | $-20,000 | 10,161 |
| Net income | $19,000 | 9,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,980 |
| Cash dividends | $33,000 | 6,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $39,000 | 9,255 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,589,000 | 9,174 |
| Total interest expense | $652,000 | 9,336 |
| Net interest income | $937,000 | 8,941 |
| Provision for loan and lease losses | $30,000 | 7,298 |
| Total noninterest income | $117,000 | 8,744 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 7,296 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,655 |
| Total noninterest expense | $835,000 | 8,652 |
| Salaries and employee benefits | $443,000 | 8,691 |
| Premises and equipment expense | $122,000 | 8,215 |
| Additional noninterest expense | $270,000 | 8,405 |
| Pre-tax net operating income | $189,000 | 8,957 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $32,000 | 8,664 |
| Income before extraordinary items | $157,000 | 8,929 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $157,000 | 8,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,505 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $157,000 | 8,860 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,071,000 | 10,232 |
| Total interest expense | $351,000 | 10,433 |
| Net interest income | $720,000 | 9,882 |
| Provision for loan and lease losses | $25,000 | 7,608 |
| Total noninterest income | $73,000 | 9,891 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 8,496 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 9,525 |
| Total noninterest expense | $695,000 | 9,413 |
| Salaries and employee benefits | $385,000 | 9,351 |
| Premises and equipment expense | $105,000 | 8,851 |
| Additional noninterest expense | $205,000 | 9,347 |
| Pre-tax net operating income | $73,000 | 10,164 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-16,000 | 10,542 |
| Income before extraordinary items | $89,000 | 10,026 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $89,000 | 10,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,371 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $89,000 | 9,987 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $247,000 | 11,362 |
| Total interest expense | $71,000 | 11,348 |
| Net interest income | $176,000 | 11,345 |
| Provision for loan and lease losses | $21,000 | 7,918 |
| Total noninterest income | $16,000 | 11,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $8,000 | 9,783 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 11,065 |
| Total noninterest expense | $355,000 | 11,097 |
| Salaries and employee benefits | $198,000 | 11,021 |
| Premises and equipment expense | $68,000 | 10,142 |
| Additional noninterest expense | $89,000 | 11,172 |
| Pre-tax net operating income | $-184,000 | 11,057 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-184,000 | 11,096 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-184,000 | 11,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-184,000 | 11,057 |
* 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.