Home > Lakewood Bank > Income and Expense
Lakewood Bank, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,068,000 | 3,812 |
| Total interest expense | $937,000 | 3,975 |
| Net interest income | $4,131,000 | 3,698 |
| Provision for loan and lease losses | $755,000 | 2,339 |
| Total noninterest income | $328,000 | 4,660 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $240,000 | 3,487 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $88,000 | 5,233 |
| Total noninterest expense | $2,929,000 | 4,178 |
| Salaries and employee benefits | $1,320,000 | 4,515 |
| Premises and equipment expense | $392,000 | 3,966 |
| Additional noninterest expense | $1,217,000 | 3,656 |
| Pre-tax net operating income | $775,000 | 3,786 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $334,000 | 2,154 |
| Income before extraordinary items | $441,000 | 4,520 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $441,000 | 4,521 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $441,000 | 4,521 |
| Net charge-offs | $1,139,000 | 1,774 |
| Cash dividends | $600,000 | 1,607 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 973 |
| Net operating income | $441,000 | 4,389 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,336,000 | 3,863 |
| Total interest expense | $666,000 | 3,936 |
| Net interest income | $2,670,000 | 3,790 |
| Provision for loan and lease losses | $465,000 | 2,403 |
| Total noninterest income | $397,000 | 3,569 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $155,000 | 3,525 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $242,000 | 3,198 |
| Total noninterest expense | $1,989,000 | 4,173 |
| Salaries and employee benefits | $862,000 | 4,615 |
| Premises and equipment expense | $256,000 | 4,046 |
| Additional noninterest expense | $871,000 | 3,534 |
| Pre-tax net operating income | $613,000 | 3,438 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $262,000 | 1,945 |
| Income before extraordinary items | $351,000 | 4,214 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $351,000 | 4,214 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $351,000 | 4,216 |
| Net charge-offs | $666,000 | 1,842 |
| Cash dividends | $350,000 | 1,761 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 928 |
| Net operating income | $351,000 | 4,120 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,657,000 | 3,917 |
| Total interest expense | $351,000 | 3,906 |
| Net interest income | $1,306,000 | 3,834 |
| Provision for loan and lease losses | $280,000 | 2,070 |
| Total noninterest income | $190,000 | 3,689 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $70,000 | 3,700 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $120,000 | 3,265 |
| Total noninterest expense | $1,000,000 | 4,183 |
| Salaries and employee benefits | $419,000 | 4,732 |
| Premises and equipment expense | $128,000 | 4,101 |
| Additional noninterest expense | $453,000 | 3,428 |
| Pre-tax net operating income | $216,000 | 4,105 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $95,000 | 2,235 |
| 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 | $329,000 | 1,663 |
| Cash dividends | $250,000 | 1,233 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 861 |
| Net operating income | $121,000 | 4,696 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,338,000 | 3,787 |
| Total interest expense | $2,022,000 | 3,535 |
| Net interest income | $5,316,000 | 3,790 |
| Provision for loan and lease losses | $395,000 | 4,470 |
| Total noninterest income | $769,000 | 3,733 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $350,000 | 3,335 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $419,000 | 3,441 |
| Total noninterest expense | $4,137,000 | 4,121 |
| Salaries and employee benefits | $1,829,000 | 4,474 |
| Premises and equipment expense | $545,000 | 3,975 |
| Additional noninterest expense | $1,763,000 | 3,583 |
| Pre-tax net operating income | $1,553,000 | 2,673 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $659,000 | 1,638 |
| Income before extraordinary items | $894,000 | 3,435 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $894,000 | 3,432 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $894,000 | 3,435 |
| Net charge-offs | $582,000 | 3,444 |
| Cash dividends | $700,000 | 1,924 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 1,165 |
| Net operating income | $894,000 | 3,313 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,483,000 | 3,874 |
| Total interest expense | $1,628,000 | 3,491 |
| Net interest income | $3,855,000 | 3,935 |
| Provision for loan and lease losses | $335,000 | 4,165 |
| Total noninterest income | $727,000 | 3,325 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $270,000 | 3,355 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $457,000 | 2,897 |
| Total noninterest expense | $3,048,000 | 4,179 |
| Salaries and employee benefits | $1,329,000 | 4,612 |
| Premises and equipment expense | $412,000 | 4,028 |
| Additional noninterest expense | $1,307,000 | 3,593 |
| Pre-tax net operating income | $1,199,000 | 2,777 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $509,000 | 1,655 |
| Income before extraordinary items | $690,000 | 3,534 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $690,000 | 3,532 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $690,000 | 3,534 |
| Net charge-offs | $363,000 | 3,478 |
| Cash dividends | $450,000 | 1,884 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,080 |
| Net operating income | $690,000 | 3,400 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,624,000 | 3,918 |
| Total interest expense | $1,131,000 | 3,459 |
| Net interest income | $2,493,000 | 4,025 |
| Provision for loan and lease losses | $165,000 | 4,492 |
| Total noninterest income | $448,000 | 3,434 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $192,000 | 3,225 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $256,000 | 3,092 |
| Total noninterest expense | $1,966,000 | 4,289 |
| Salaries and employee benefits | $890,000 | 4,610 |
| Premises and equipment expense | $268,000 | 4,100 |
| Additional noninterest expense | $808,000 | 3,772 |
| Pre-tax net operating income | $810,000 | 2,774 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $345,000 | 1,594 |
| Income before extraordinary items | $465,000 | 3,531 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $465,000 | 3,528 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $465,000 | 3,530 |
| Net charge-offs | $190,000 | 3,604 |
| Cash dividends | $250,000 | 2,089 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,022 |
| Net operating income | $465,000 | 3,425 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,878,000 | 3,891 |
| Total interest expense | $583,000 | 3,510 |
| Net interest income | $1,295,000 | 3,941 |
| Provision for loan and lease losses | $90,000 | 4,075 |
| Total noninterest income | $187,000 | 3,807 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $99,000 | 3,161 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $88,000 | 3,739 |
| Total noninterest expense | $942,000 | 4,457 |
| Salaries and employee benefits | $460,000 | 4,583 |
| Premises and equipment expense | $130,000 | 4,266 |
| Additional noninterest expense | $352,000 | 4,138 |
| Pre-tax net operating income | $450,000 | 2,604 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $192,000 | 1,463 |
| Income before extraordinary items | $258,000 | 3,424 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $258,000 | 3,422 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $258,000 | 3,424 |
| Net charge-offs | $65,000 | 3,502 |
| Cash dividends | $250,000 | 1,200 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 996 |
| Net operating income | $258,000 | 3,304 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,729,000 | 3,908 |
| Total interest expense | $2,279,000 | 4,121 |
| Net interest income | $5,450,000 | 3,727 |
| Provision for loan and lease losses | $795,000 | 3,849 |
| Total noninterest income | $584,000 | 4,426 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $364,000 | 3,505 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $220,000 | 4,481 |
| Total noninterest expense | $3,364,000 | 4,843 |
| Salaries and employee benefits | $1,626,000 | 4,956 |
| Premises and equipment expense | $487,000 | 4,450 |
| Additional noninterest expense | $1,251,000 | 4,628 |
| Pre-tax net operating income | $1,875,000 | 2,012 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $793,000 | 1,141 |
| Income before extraordinary items | $1,082,000 | 2,648 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,082,000 | 2,646 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,082,000 | 2,647 |
| Net charge-offs | $82,000 | 5,863 |
| Cash dividends | $900,000 | 1,759 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 1,295 |
| Net operating income | $1,082,000 | 2,599 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,847,000 | 3,943 |
| Total interest expense | $1,701,000 | 4,256 |
| Net interest income | $4,146,000 | 3,699 |
| Provision for loan and lease losses | $345,000 | 4,399 |
| Total noninterest income | $370,000 | 4,814 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $265,000 | 3,582 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $105,000 | 5,317 |
| Total noninterest expense | $2,439,000 | 4,952 |
| Salaries and employee benefits | $1,220,000 | 4,994 |
| Premises and equipment expense | $360,000 | 4,535 |
| Additional noninterest expense | $859,000 | 4,852 |
| Pre-tax net operating income | $1,732,000 | 1,829 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $727,000 | 1,066 |
| Income before extraordinary items | $1,005,000 | 2,476 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,005,000 | 2,474 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,005,000 | 2,477 |
| Net charge-offs | $27,000 | 6,096 |
| Cash dividends | $900,000 | 1,363 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,197 |
| Net operating income | $1,005,000 | 2,424 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,876,000 | 3,994 |
| Total interest expense | $1,131,000 | 4,390 |
| Net interest income | $2,745,000 | 3,705 |
| Provision for loan and lease losses | $180,000 | 4,468 |
| Total noninterest income | $231,000 | 4,966 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $166,000 | 3,694 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $65,000 | 5,467 |
| Total noninterest expense | $1,588,000 | 5,080 |
| Salaries and employee benefits | $807,000 | 5,068 |
| Premises and equipment expense | $238,000 | 4,593 |
| Additional noninterest expense | $543,000 | 5,009 |
| Pre-tax net operating income | $1,208,000 | 1,818 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $507,000 | 1,079 |
| Income before extraordinary items | $701,000 | 2,489 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $701,000 | 2,486 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $701,000 | 2,488 |
| Net charge-offs | $22,000 | 5,547 |
| Cash dividends | $650,000 | 1,329 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,157 |
| Net operating income | $701,000 | 2,409 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,879,000 | 4,123 |
| Total interest expense | $576,000 | 4,455 |
| Net interest income | $1,303,000 | 3,824 |
| Provision for loan and lease losses | $90,000 | 4,033 |
| Total noninterest income | $116,000 | 4,942 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $77,000 | 3,782 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $39,000 | 5,236 |
| Total noninterest expense | $734,000 | 5,241 |
| Salaries and employee benefits | $386,000 | 5,256 |
| Premises and equipment expense | $117,000 | 4,700 |
| Additional noninterest expense | $231,000 | 5,172 |
| Pre-tax net operating income | $595,000 | 2,068 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $251,000 | 1,226 |
| Income before extraordinary items | $344,000 | 2,855 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $344,000 | 2,855 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $344,000 | 2,856 |
| Net charge-offs | $3,000 | 5,319 |
| Cash dividends | $300,000 | 1,336 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,034 |
| Net operating income | $344,000 | 2,721 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,812,000 | 4,200 |
| Total interest expense | $2,696,000 | 4,543 |
| Net interest income | $5,116,000 | 3,890 |
| Provision for loan and lease losses | $873,000 | 2,910 |
| Total noninterest income | $589,000 | 4,511 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $393,000 | 3,491 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $196,000 | 4,868 |
| Total noninterest expense | $3,209,000 | 4,896 |
| Salaries and employee benefits | $1,482,000 | 5,373 |
| Premises and equipment expense | $470,000 | 4,640 |
| Additional noninterest expense | $1,257,000 | 4,139 |
| Pre-tax net operating income | $1,623,000 | 2,883 |
| Securities gains (losses) | $6,000 | 2,702 |
| Applicable income taxes | $696,000 | 1,524 |
| Income before extraordinary items | $933,000 | 3,414 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $933,000 | 3,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $712,000 | 2,341 |
| Cash dividends | $350,000 | 3,873 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,339 |
| Net operating income | $929,160 | 3,575 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,965,000 | 4,217 |
| Total interest expense | $2,078,000 | 4,588 |
| Net interest income | $3,887,000 | 3,872 |
| Provision for loan and lease losses | $263,000 | 3,771 |
| Total noninterest income | $462,000 | 4,508 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $290,000 | 3,546 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $172,000 | 4,722 |
| Total noninterest expense | $2,370,000 | 4,928 |
| Salaries and employee benefits | $1,099,000 | 5,412 |
| Premises and equipment expense | $352,000 | 4,645 |
| Additional noninterest expense | $919,000 | 4,146 |
| Pre-tax net operating income | $1,716,000 | 2,565 |
| Securities gains (losses) | $6,000 | 2,568 |
| Applicable income taxes | $724,000 | 1,493 |
| Income before extraordinary items | $998,000 | 3,107 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $998,000 | 3,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $305,000 | 2,538 |
| Cash dividends | $250,000 | 3,624 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $994,160 | 3,263 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,910,000 | 4,318 |
| Total interest expense | $1,426,000 | 4,656 |
| Net interest income | $2,484,000 | 3,990 |
| Provision for loan and lease losses | $155,000 | 3,554 |
| Total noninterest income | $314,000 | 4,526 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $186,000 | 3,629 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $128,000 | 4,591 |
| Total noninterest expense | $1,521,000 | 5,080 |
| Salaries and employee benefits | $704,000 | 5,581 |
| Premises and equipment expense | $224,000 | 4,819 |
| Additional noninterest expense | $593,000 | 4,236 |
| Pre-tax net operating income | $1,122,000 | 2,715 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $473,000 | 1,667 |
| Income before extraordinary items | $649,000 | 3,469 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $649,000 | 3,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,802 |
| Cash dividends | $250,000 | 3,175 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $649,000 | 3,420 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,920,000 | 4,441 |
| Total interest expense | $736,000 | 4,747 |
| Net interest income | $1,184,000 | 4,143 |
| Provision for loan and lease losses | $93,000 | 2,826 |
| Total noninterest income | $182,000 | 4,188 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $91,000 | 3,630 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $91,000 | 3,952 |
| Total noninterest expense | $737,000 | 5,191 |
| Salaries and employee benefits | $343,000 | 5,700 |
| Premises and equipment expense | $110,000 | 4,886 |
| Additional noninterest expense | $284,000 | 4,287 |
| Pre-tax net operating income | $536,000 | 2,931 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $227,000 | 1,803 |
| Income before extraordinary items | $309,000 | 3,737 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $309,000 | 3,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,066 |
| Cash dividends | $250,000 | 2,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $309,000 | 3,652 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,967,000 | 4,744 |
| Total interest expense | $2,503,000 | 5,262 |
| Net interest income | $4,464,000 | 4,311 |
| Provision for loan and lease losses | $150,000 | 4,308 |
| Total noninterest income | $507,000 | 4,999 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $352,000 | 3,768 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $155,000 | 5,525 |
| Total noninterest expense | $3,169,000 | 4,833 |
| Salaries and employee benefits | $1,702,000 | 4,925 |
| Premises and equipment expense | $690,000 | 3,479 |
| Additional noninterest expense | $777,000 | 5,445 |
| Pre-tax net operating income | $1,652,000 | 3,722 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $704,000 | 2,296 |
| Income before extraordinary items | $948,000 | 4,433 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $948,000 | 4,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-91,000 | 8,372 |
| Cash dividends | $850,000 | 2,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $948,000 | 4,428 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,093,000 | 4,827 |
| Total interest expense | $1,801,000 | 5,381 |
| Net interest income | $3,292,000 | 4,385 |
| Provision for loan and lease losses | $113,000 | 3,939 |
| Total noninterest income | $372,000 | 5,071 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $252,000 | 3,863 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $120,000 | 5,477 |
| Total noninterest expense | $2,384,000 | 4,804 |
| Salaries and employee benefits | $1,294,000 | 4,856 |
| Premises and equipment expense | $511,000 | 3,497 |
| Additional noninterest expense | $579,000 | 5,408 |
| Pre-tax net operating income | $1,167,000 | 4,012 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $499,000 | 2,538 |
| Income before extraordinary items | $668,000 | 4,794 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $668,000 | 4,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-167,000 | 8,449 |
| Cash dividends | $650,000 | 2,569 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $668,000 | 4,782 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,337,000 | 4,912 |
| Total interest expense | $1,177,000 | 5,436 |
| Net interest income | $2,160,000 | 4,459 |
| Provision for loan and lease losses | $75,000 | 3,728 |
| Total noninterest income | $249,000 | 5,086 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $167,000 | 3,877 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $82,000 | 5,477 |
| Total noninterest expense | $1,616,000 | 4,784 |
| Salaries and employee benefits | $886,000 | 4,811 |
| Premises and equipment expense | $343,000 | 3,495 |
| Additional noninterest expense | $387,000 | 5,402 |
| Pre-tax net operating income | $718,000 | 4,258 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $309,000 | 2,700 |
| Income before extraordinary items | $409,000 | 5,017 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $409,000 | 5,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-162,000 | 8,507 |
| Cash dividends | $450,000 | 2,579 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $409,000 | 5,011 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,648,000 | 4,946 |
| Total interest expense | $579,000 | 5,474 |
| Net interest income | $1,069,000 | 4,503 |
| Provision for loan and lease losses | $38,000 | 3,501 |
| Total noninterest income | $111,000 | 5,313 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $75,000 | 4,035 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $36,000 | 5,687 |
| Total noninterest expense | $762,000 | 4,955 |
| Salaries and employee benefits | $412,000 | 5,062 |
| Premises and equipment expense | $171,000 | 3,526 |
| Additional noninterest expense | $179,000 | 5,608 |
| Pre-tax net operating income | $380,000 | 4,118 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $164,000 | 2,653 |
| Income before extraordinary items | $216,000 | 4,887 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $216,000 | 4,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $250,000 | 2,166 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $216,000 | 4,861 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,266,000 | 5,409 |
| Total interest expense | $1,589,000 | 5,978 |
| Net interest income | $3,677,000 | 4,895 |
| Provision for loan and lease losses | $175,000 | 3,820 |
| Total noninterest income | $431,000 | 5,445 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $315,000 | 4,024 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $116,000 | 6,074 |
| Total noninterest expense | $2,450,000 | 5,555 |
| Salaries and employee benefits | $1,331,000 | 5,571 |
| Premises and equipment expense | $520,000 | 4,163 |
| Additional noninterest expense | $599,000 | 6,063 |
| Pre-tax net operating income | $1,483,000 | 4,306 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $630,000 | 2,821 |
| Income before extraordinary items | $853,000 | 5,074 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $853,000 | 5,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $266,000 | 1,826 |
| Cash dividends | $580,000 | 3,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $853,000 | 5,065 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,656,000 | 5,629 |
| Total interest expense | $1,068,000 | 6,181 |
| Net interest income | $2,588,000 | 5,143 |
| Provision for loan and lease losses | $100,000 | 4,067 |
| Total noninterest income | $318,000 | 5,515 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $226,000 | 4,151 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $92,000 | 5,992 |
| Total noninterest expense | $1,784,000 | 5,628 |
| Salaries and employee benefits | $950,000 | 5,701 |
| Premises and equipment expense | $411,000 | 4,037 |
| Additional noninterest expense | $423,000 | 6,241 |
| Pre-tax net operating income | $1,022,000 | 4,662 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $438,000 | 3,048 |
| 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 | $38,000 | 3,540 |
| Cash dividends | $330,000 | 3,507 |
| 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 | $2,037,000 | 6,068 |
| Total interest expense | $599,000 | 6,465 |
| Net interest income | $1,438,000 | 5,729 |
| Provision for loan and lease losses | $25,000 | 5,320 |
| Total noninterest income | $190,000 | 5,751 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $138,000 | 4,312 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $52,000 | 6,320 |
| Total noninterest expense | $1,010,000 | 6,138 |
| Salaries and employee benefits | $536,000 | 6,242 |
| Premises and equipment expense | $233,000 | 4,466 |
| Additional noninterest expense | $241,000 | 6,656 |
| Pre-tax net operating income | $593,000 | 5,020 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $254,000 | 3,278 |
| Income before extraordinary items | $339,000 | 5,761 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $339,000 | 5,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $339,000 | 5,756 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $506,000 | 7,586 |
| Total interest expense | $157,000 | 7,610 |
| Net interest income | $349,000 | 7,447 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $56,000 | 6,748 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $37,000 | 5,553 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $19,000 | 6,791 |
| Total noninterest expense | $259,000 | 7,710 |
| Salaries and employee benefits | $136,000 | 7,805 |
| Premises and equipment expense | $57,000 | 6,485 |
| Additional noninterest expense | $66,000 | 7,811 |
| Pre-tax net operating income | $146,000 | 6,470 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $64,000 | 4,174 |
| Income before extraordinary items | $82,000 | 7,017 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $82,000 | 7,018 |
| 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 | $82,000 | 7,018 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,465,000 | 4,861 |
| Total interest expense | $1,318,000 | 5,589 |
| Net interest income | $4,147,000 | 4,504 |
| Provision for loan and lease losses | $308,000 | 2,763 |
| Total noninterest income | $505,000 | 5,222 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $433,000 | 3,366 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $72,000 | 6,898 |
| Total noninterest expense | $2,968,000 | 4,798 |
| Salaries and employee benefits | $1,468,000 | 5,121 |
| Premises and equipment expense | $664,000 | 3,378 |
| Additional noninterest expense | $836,000 | 5,018 |
| Pre-tax net operating income | $1,376,000 | 4,593 |
| Securities gains (losses) | $-42,000 | 8,113 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,334,000 | 4,082 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,334,000 | 4,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,585 |
| Cash dividends | $423,000 | 3,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,376,000 | 3,973 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,011,000 | 4,910 |
| Total interest expense | $938,000 | 5,616 |
| Net interest income | $3,073,000 | 4,559 |
| Provision for loan and lease losses | $200,000 | 2,952 |
| Total noninterest income | $445,000 | 4,849 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $329,000 | 3,349 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $116,000 | 5,683 |
| Total noninterest expense | $2,270,000 | 4,708 |
| Salaries and employee benefits | $1,123,000 | 5,029 |
| Premises and equipment expense | $519,000 | 3,262 |
| Additional noninterest expense | $628,000 | 4,969 |
| Pre-tax net operating income | $1,048,000 | 4,648 |
| Securities gains (losses) | $-42,000 | 8,415 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $1,006,000 | 4,143 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,006,000 | 4,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,033 |
| Cash dividends | $268,000 | 3,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,048,000 | 3,996 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,595,000 | 4,940 |
| Total interest expense | $571,000 | 5,703 |
| Net interest income | $2,024,000 | 4,579 |
| Provision for loan and lease losses | $162,000 | 2,506 |
| Total noninterest income | $291,000 | 4,878 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $207,000 | 3,431 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $84,000 | 5,510 |
| Total noninterest expense | $1,466,000 | 4,795 |
| Salaries and employee benefits | $716,000 | 5,174 |
| Premises and equipment expense | $334,000 | 3,313 |
| Additional noninterest expense | $416,000 | 4,955 |
| Pre-tax net operating income | $687,000 | 4,671 |
| Securities gains (losses) | $-42,000 | 8,550 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $645,000 | 4,231 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $645,000 | 4,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 1,512 |
| Cash dividends | $268,000 | 3,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $687,000 | 3,990 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,245,000 | 5,069 |
| Total interest expense | $249,000 | 5,976 |
| Net interest income | $996,000 | 4,634 |
| Provision for loan and lease losses | $100,000 | 2,031 |
| Total noninterest income | $146,000 | 4,772 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $104,000 | 3,348 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $42,000 | 5,556 |
| Total noninterest expense | $710,000 | 4,947 |
| Salaries and employee benefits | $352,000 | 5,270 |
| Premises and equipment expense | $151,000 | 3,632 |
| Additional noninterest expense | $207,000 | 4,958 |
| Pre-tax net operating income | $332,000 | 4,738 |
| Securities gains (losses) | $-2,000 | 8,244 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $330,000 | 4,109 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $330,000 | 4,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 918 |
| Cash dividends | $90,000 | 3,047 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $332,000 | 4,053 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,641,000 | 5,080 |
| Total interest expense | $725,000 | 6,502 |
| Net interest income | $3,916,000 | 4,547 |
| Provision for loan and lease losses | $37,000 | 6,248 |
| Total noninterest income | $585,000 | 4,871 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $450,000 | 3,385 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $135,000 | 5,890 |
| Total noninterest expense | $3,020,000 | 4,638 |
| Salaries and employee benefits | $1,512,000 | 4,916 |
| Premises and equipment expense | $687,000 | 3,174 |
| Additional noninterest expense | $821,000 | 5,001 |
| Pre-tax net operating income | $1,444,000 | 4,338 |
| Securities gains (losses) | $-57,000 | 8,620 |
| Applicable income taxes | $3,000 | 7,000 |
| Income before extraordinary items | $1,384,000 | 3,827 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,384,000 | 3,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,501 |
| Cash dividends | $532,000 | 3,437 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,441,000 | 3,673 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,423,000 | 5,125 |
| Total interest expense | $531,000 | 6,557 |
| Net interest income | $2,892,000 | 4,596 |
| Provision for loan and lease losses | $25,000 | 6,158 |
| Total noninterest income | $455,000 | 4,793 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $338,000 | 3,389 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $117,000 | 5,624 |
| Total noninterest expense | $2,314,000 | 4,541 |
| Salaries and employee benefits | $1,142,000 | 4,841 |
| Premises and equipment expense | $555,000 | 2,973 |
| Additional noninterest expense | $617,000 | 4,966 |
| Pre-tax net operating income | $1,008,000 | 4,582 |
| Securities gains (losses) | $-4,000 | 8,316 |
| Applicable income taxes | $3,000 | 7,043 |
| Income before extraordinary items | $1,001,000 | 3,995 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,001,000 | 3,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,694 |
| Cash dividends | $532,000 | 2,593 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,005,000 | 3,918 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,234,000 | 5,191 |
| Total interest expense | $348,000 | 6,632 |
| Net interest income | $1,886,000 | 4,672 |
| Provision for loan and lease losses | $13,000 | 6,215 |
| Total noninterest income | $342,000 | 4,476 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $228,000 | 3,344 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $114,000 | 4,901 |
| Total noninterest expense | $1,573,000 | 4,509 |
| Salaries and employee benefits | $770,000 | 4,845 |
| Premises and equipment expense | $384,000 | 2,888 |
| Additional noninterest expense | $419,000 | 4,901 |
| Pre-tax net operating income | $642,000 | 4,665 |
| Securities gains (losses) | $2,000 | 3,048 |
| Applicable income taxes | $3,000 | 6,985 |
| Income before extraordinary items | $641,000 | 4,056 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $641,000 | 4,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,091 |
| Cash dividends | $360,000 | 2,613 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $639,000 | 3,987 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,106,000 | 5,243 |
| Total interest expense | $170,000 | 6,754 |
| Net interest income | $936,000 | 4,688 |
| Provision for loan and lease losses | $1,000 | 6,438 |
| Total noninterest income | $157,000 | 4,665 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $108,000 | 3,400 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $49,000 | 5,162 |
| Total noninterest expense | $794,000 | 4,503 |
| Salaries and employee benefits | $394,000 | 4,796 |
| Premises and equipment expense | $181,000 | 3,067 |
| Additional noninterest expense | $219,000 | 4,739 |
| Pre-tax net operating income | $298,000 | 4,824 |
| Securities gains (losses) | $2,000 | 2,612 |
| Applicable income taxes | $3,000 | 6,752 |
| Income before extraordinary items | $297,000 | 4,297 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $297,000 | 4,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,144 |
| Cash dividends | $204,000 | 2,128 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $295,020 | 4,184 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,912,000 | 5,722 |
| Total interest expense | $581,000 | 7,449 |
| Net interest income | $3,331,000 | 4,960 |
| Provision for loan and lease losses | $56,000 | 6,140 |
| Total noninterest income | $666,000 | 4,679 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $501,000 | 3,086 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $165,000 | 5,660 |
| Total noninterest expense | $2,930,000 | 4,679 |
| Salaries and employee benefits | $1,334,000 | 5,259 |
| Premises and equipment expense | $757,000 | 2,891 |
| Additional noninterest expense | $839,000 | 4,899 |
| Pre-tax net operating income | $1,011,000 | 5,152 |
| Securities gains (losses) | $68,000 | 2,232 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $1,079,000 | 4,434 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,079,000 | 4,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $375,000 | 4,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,011,000 | 4,446 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,852,000 | 5,877 |
| Total interest expense | $432,000 | 7,630 |
| Net interest income | $2,420,000 | 5,092 |
| Provision for loan and lease losses | $54,000 | 5,675 |
| Total noninterest income | $528,000 | 4,592 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $383,000 | 3,049 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $145,000 | 5,406 |
| Total noninterest expense | $2,138,000 | 4,761 |
| Salaries and employee benefits | $1,011,000 | 5,209 |
| Premises and equipment expense | $524,000 | 3,095 |
| Additional noninterest expense | $603,000 | 4,986 |
| Pre-tax net operating income | $756,000 | 5,306 |
| Securities gains (losses) | $68,000 | 2,055 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $824,000 | 4,516 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $824,000 | 4,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,999 |
| Cash dividends | $375,000 | 3,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $756,000 | 4,574 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,889,000 | 5,931 |
| Total interest expense | $290,000 | 7,735 |
| Net interest income | $1,599,000 | 5,124 |
| Provision for loan and lease losses | $36,000 | 5,560 |
| Total noninterest income | $358,000 | 4,526 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $243,000 | 3,137 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $115,000 | 5,080 |
| Total noninterest expense | $1,416,000 | 4,769 |
| Salaries and employee benefits | $662,000 | 5,283 |
| Premises and equipment expense | $353,000 | 3,056 |
| Additional noninterest expense | $401,000 | 4,997 |
| Pre-tax net operating income | $505,000 | 5,283 |
| Securities gains (losses) | $56,000 | 1,935 |
| Applicable income taxes | $6,000 | 7,135 |
| Income before extraordinary items | $555,000 | 4,516 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $555,000 | 4,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,782 |
| Cash dividends | $250,000 | 3,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $499,560 | 4,596 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $964,000 | 5,887 |
| Total interest expense | $148,000 | 7,788 |
| Net interest income | $816,000 | 5,019 |
| Provision for loan and lease losses | $12,000 | 5,906 |
| Total noninterest income | $144,000 | 4,993 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $105,000 | 3,424 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $39,000 | 5,739 |
| Total noninterest expense | $721,000 | 4,705 |
| Salaries and employee benefits | $350,000 | 5,087 |
| Premises and equipment expense | $182,000 | 2,985 |
| Additional noninterest expense | $189,000 | 5,173 |
| Pre-tax net operating income | $227,000 | 5,529 |
| Securities gains (losses) | $40,000 | 1,513 |
| Applicable income taxes | $3,000 | 7,063 |
| Income before extraordinary items | $264,000 | 4,589 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $264,000 | 4,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $125,000 | 2,703 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $224,400 | 4,807 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,086,000 | 5,834 |
| Total interest expense | $771,000 | 7,604 |
| Net interest income | $3,315,000 | 4,946 |
| Provision for loan and lease losses | $3,000 | 8,029 |
| Total noninterest income | $513,000 | 5,142 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $358,000 | 3,808 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $155,000 | 5,526 |
| Total noninterest expense | $3,082,000 | 4,366 |
| Salaries and employee benefits | $1,546,000 | 4,583 |
| Premises and equipment expense | $655,000 | 3,162 |
| Additional noninterest expense | $881,000 | 4,611 |
| Pre-tax net operating income | $743,000 | 5,950 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,000 | 7,560 |
| Income before extraordinary items | $741,000 | 5,399 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $741,000 | 5,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,332 |
| Cash dividends | $857,000 | 2,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $741,000 | 5,263 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,507,000 | 5,963 |
| Total interest expense | $1,399,000 | 7,192 |
| Net interest income | $3,108,000 | 4,931 |
| Provision for loan and lease losses | $20,000 | 7,552 |
| Total noninterest income | $534,000 | 4,890 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $324,000 | 3,973 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $210,000 | 4,823 |
| Total noninterest expense | $2,561,000 | 4,879 |
| Salaries and employee benefits | $1,225,000 | 5,237 |
| Premises and equipment expense | $627,000 | 3,253 |
| Additional noninterest expense | $709,000 | 5,241 |
| Pre-tax net operating income | $1,061,000 | 4,751 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $78,000 | 6,299 |
| Income before extraordinary items | $983,000 | 4,328 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $983,000 | 4,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,788 |
| Cash dividends | $1,008,000 | 2,204 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $983,000 | 4,213 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,863,000 | 5,843 |
| Total interest expense | $1,855,000 | 6,503 |
| Net interest income | $3,008,000 | 5,153 |
| Provision for loan and lease losses | $16,000 | 7,742 |
| Total noninterest income | $431,000 | 5,327 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $309,000 | 3,971 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 5,952 |
| Total noninterest expense | $2,442,000 | 4,947 |
| Salaries and employee benefits | $1,211,000 | 5,188 |
| Premises and equipment expense | $546,000 | 3,534 |
| Additional noninterest expense | $685,000 | 5,259 |
| Pre-tax net operating income | $981,000 | 5,299 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $127,000 | 6,208 |
| Income before extraordinary items | $854,000 | 4,843 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $854,000 | 4,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $742,000 | 2,819 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $854,000 | 4,853 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,351,000 | 6,058 |
| Total interest expense | $1,511,000 | 6,947 |
| Net interest income | $2,840,000 | 5,371 |
| Provision for loan and lease losses | $44,000 | 6,764 |
| Total noninterest income | $486,000 | 5,040 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $357,000 | 3,518 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 5,980 |
| Total noninterest expense | $2,446,000 | 4,961 |
| Salaries and employee benefits | $1,166,000 | 5,269 |
| Premises and equipment expense | $496,000 | 3,788 |
| Additional noninterest expense | $784,000 | 4,867 |
| Pre-tax net operating income | $836,000 | 5,802 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $148,000 | 6,305 |
| Income before extraordinary items | $688,000 | 5,511 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $688,000 | 5,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,364 |
| Cash dividends | $660,000 | 2,986 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 10,045 |
| Net operating income | $688,000 | 5,475 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,513,000 | 6,046 |
| Total interest expense | $1,685,000 | 6,792 |
| Net interest income | $2,828,000 | 5,363 |
| Provision for loan and lease losses | $84,000 | 5,485 |
| Total noninterest income | $532,000 | 4,761 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $335,000 | 3,601 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $197,000 | 4,997 |
| Total noninterest expense | $2,381,000 | 4,932 |
| Salaries and employee benefits | $1,246,000 | 4,924 |
| Premises and equipment expense | $380,000 | 4,596 |
| Additional noninterest expense | $755,000 | 4,872 |
| Pre-tax net operating income | $895,000 | 5,747 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $371,000 | 4,618 |
| Income before extraordinary items | $524,000 | 6,466 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $524,000 | 6,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,524 |
| Cash dividends | $291,000 | 4,700 |
| Sale, conversion, retirement of capital stock, net | $-257,000 | 10,367 |
| Net operating income | $524,000 | 6,357 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,302,000 | 8,630 |
| Total interest expense | $926,000 | 8,889 |
| Net interest income | $1,376,000 | 8,290 |
| Provision for loan and lease losses | $24,000 | 7,686 |
| Total noninterest income | $232,000 | 7,438 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $176,000 | 5,726 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 8,171 |
| Total noninterest expense | $1,296,000 | 7,345 |
| Salaries and employee benefits | $592,000 | 7,970 |
| Premises and equipment expense | $134,000 | 8,154 |
| Additional noninterest expense | $570,000 | 5,989 |
| Pre-tax net operating income | $288,000 | 9,056 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $173,000 | 7,274 |
| Income before extraordinary items | $115,000 | 9,870 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $115,000 | 9,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,179 |
| Cash dividends | $1,100,000 | 2,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $115,000 | 9,830 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,060,000 | 7,919 |
| Total interest expense | $1,507,000 | 7,557 |
| Net interest income | $1,553,000 | 8,141 |
| Provision for loan and lease losses | $32,000 | 7,338 |
| Total noninterest income | $257,000 | 7,493 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $197,000 | 5,613 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 8,463 |
| Total noninterest expense | $1,192,000 | 8,010 |
| Salaries and employee benefits | $679,000 | 7,653 |
| Premises and equipment expense | $256,000 | 6,170 |
| Additional noninterest expense | $257,000 | 9,318 |
| Pre-tax net operating income | $586,000 | 7,496 |
| Securities gains (losses) | $-8,000 | 10,177 |
| Applicable income taxes | $255,000 | 6,386 |
| Income before extraordinary items | $323,000 | 8,235 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $323,000 | 8,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $328,120 | 8,123 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,505,000 | 8,965 |
| Total interest expense | $1,245,000 | 8,441 |
| Net interest income | $1,260,000 | 9,182 |
| Provision for loan and lease losses | $6,000 | 8,588 |
| Total noninterest income | $236,000 | 7,897 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 5,848 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 9,472 |
| Total noninterest expense | $1,039,000 | 8,797 |
| Salaries and employee benefits | $557,000 | 8,671 |
| Premises and equipment expense | $187,000 | 7,460 |
| Additional noninterest expense | $295,000 | 9,291 |
| Pre-tax net operating income | $451,000 | 8,746 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $182,000 | 7,745 |
| Income before extraordinary items | $269,000 | 9,239 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $269,000 | 9,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,004 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $1,050,000 | 288 |
| Net operating income | $269,000 | 9,211 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,918,000 | 9,954 |
| Total interest expense | $714,000 | 10,024 |
| Net interest income | $1,204,000 | 9,756 |
| Provision for loan and lease losses | $7,000 | 8,694 |
| Total noninterest income | $231,000 | 8,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $182,000 | 6,224 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 9,662 |
| Total noninterest expense | $838,000 | 10,054 |
| Salaries and employee benefits | $448,000 | 9,847 |
| Premises and equipment expense | $199,000 | 7,444 |
| Additional noninterest expense | $191,000 | 11,259 |
| Pre-tax net operating income | $590,000 | 8,059 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $237,000 | 6,725 |
| Income before extraordinary items | $353,000 | 8,613 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $353,000 | 8,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,352 |
| Cash dividends | $400,000 | 3,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $353,000 | 8,671 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,883,000 | 10,420 |
| Total interest expense | $699,000 | 10,592 |
| Net interest income | $1,184,000 | 10,114 |
| Provision for loan and lease losses | $8,000 | 9,904 |
| Total noninterest income | $306,000 | 7,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,900 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 7,802 |
| Total noninterest expense | $819,000 | 10,575 |
| Salaries and employee benefits | $426,000 | 10,375 |
| Premises and equipment expense | $174,000 | 8,281 |
| Additional noninterest expense | $219,000 | 11,480 |
| Pre-tax net operating income | $663,000 | 7,556 |
| Securities gains (losses) | $7,000 | 5,826 |
| Applicable income taxes | $267,000 | 6,535 |
| Income before extraordinary items | $403,000 | 8,405 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $403,000 | 8,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 10,864 |
| Cash dividends | $200,000 | 5,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $398,520 | 8,174 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,183,000 | 10,516 |
| Total interest expense | $897,000 | 10,891 |
| Net interest income | $1,286,000 | 10,014 |
| Provision for loan and lease losses | $14,000 | 10,934 |
| Total noninterest income | $172,000 | 9,986 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $135,000 | 7,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 11,257 |
| Total noninterest expense | $743,000 | 11,295 |
| Salaries and employee benefits | $387,000 | 11,014 |
| Premises and equipment expense | $150,000 | 9,105 |
| Additional noninterest expense | $206,000 | 12,160 |
| Pre-tax net operating income | $701,000 | 7,088 |
| Securities gains (losses) | $20,000 | 5,594 |
| Applicable income taxes | $255,000 | 6,577 |
| Income before extraordinary items | $466,000 | 7,611 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $466,000 | 7,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 8,990 |
| Cash dividends | $225,000 | 4,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $453,000 | 7,353 |
* 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.