Home > Legacy Banks > Income and Expense
Legacy Banks, Income and Expense
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $17,861,000 | 815 |
| Total interest expense | $5,673,000 | 543 |
| Net interest income | $12,188,000 | 913 |
| Provision for loan and lease losses | $62,000 | 4,861 |
| Total noninterest income | $3,706,000 | 774 |
| Gross Fiduciary activities income | $228,000 | 576 |
| Service charges on deposit accounts | $644,000 | 1,136 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,834,000 | 645 |
| Total noninterest expense | $12,607,000 | 798 |
| Salaries and employee benefits | $6,087,000 | 824 |
| Premises and equipment expense | $1,969,000 | 646 |
| Additional noninterest expense | $4,551,000 | 787 |
| Pre-tax net operating income | $3,225,000 | 945 |
| Securities gains (losses) | $65,000 | 1,417 |
| Applicable income taxes | $1,101,000 | 706 |
| Income before extraordinary items | $2,189,000 | 1,130 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,189,000 | 1,130 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $2,189,000 | 1,130 |
| Net charge-offs | $403,000 | 2,355 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $7,617,000 | 43 |
| Net operating income | $2,145,450 | 1,118 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $8,924,000 | 821 |
| Total interest expense | $2,863,000 | 557 |
| Net interest income | $6,061,000 | 917 |
| Provision for loan and lease losses | $41,000 | 4,376 |
| Total noninterest income | $1,221,000 | 1,060 |
| Gross Fiduciary activities income | $109,000 | 599 |
| Service charges on deposit accounts | $319,000 | 1,137 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $793,000 | 976 |
| Total noninterest expense | $6,011,000 | 834 |
| Salaries and employee benefits | $2,826,000 | 892 |
| Premises and equipment expense | $1,009,000 | 651 |
| Additional noninterest expense | $2,176,000 | 819 |
| Pre-tax net operating income | $1,230,000 | 1,191 |
| Securities gains (losses) | $26,000 | 999 |
| Applicable income taxes | $437,000 | 820 |
| Income before extraordinary items | $819,000 | 1,454 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $819,000 | 1,454 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $819,000 | 1,454 |
| Net charge-offs | $357,000 | 1,611 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $802,100 | 1,435 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $40,794,000 | 741 |
| Total interest expense | $14,821,000 | 529 |
| Net interest income | $25,973,000 | 842 |
| Provision for loan and lease losses | $10,468,000 | 633 |
| Total noninterest income | $5,329,000 | 1,039 |
| Gross Fiduciary activities income | $950,000 | 410 |
| Service charges on deposit accounts | $1,349,000 | 1,112 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $3,030,000 | 1,059 |
| Total noninterest expense | $34,441,000 | 593 |
| Salaries and employee benefits | $14,797,000 | 655 |
| Premises and equipment expense | $3,873,000 | 664 |
| Additional noninterest expense | $15,771,000 | 497 |
| Pre-tax net operating income | $-13,607,000 | 7,435 |
| Securities gains (losses) | $1,872,000 | 282 |
| Applicable income taxes | $-3,974,000 | 7,566 |
| Income before extraordinary items | $-7,761,000 | 7,309 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-7,761,000 | 7,309 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-7,761,000 | 7,309 |
| Net charge-offs | $12,547,000 | 506 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $257,000 | 585 |
| Net operating income | $-8,996,520 | 7,336 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $31,160,000 | 732 |
| Total interest expense | $11,446,000 | 534 |
| Net interest income | $19,714,000 | 836 |
| Provision for loan and lease losses | $8,350,000 | 580 |
| Total noninterest income | $3,764,000 | 1,061 |
| Gross Fiduciary activities income | $786,000 | 384 |
| Service charges on deposit accounts | $982,000 | 1,187 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,996,000 | 1,102 |
| Total noninterest expense | $21,679,000 | 689 |
| Salaries and employee benefits | $10,979,000 | 649 |
| Premises and equipment expense | $2,927,000 | 660 |
| Additional noninterest expense | $7,773,000 | 705 |
| Pre-tax net operating income | $-6,551,000 | 7,446 |
| Securities gains (losses) | $1,530,000 | 285 |
| Applicable income taxes | $-1,729,000 | 7,582 |
| Income before extraordinary items | $-3,292,000 | 7,301 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-3,292,000 | 7,300 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-3,292,000 | 7,301 |
| Net charge-offs | $10,064,000 | 459 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $257,000 | 466 |
| Net operating income | $-4,301,800 | 7,358 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $21,047,000 | 730 |
| Total interest expense | $7,851,000 | 538 |
| Net interest income | $13,196,000 | 829 |
| Provision for loan and lease losses | $6,176,000 | 530 |
| Total noninterest income | $2,228,000 | 1,138 |
| Gross Fiduciary activities income | $559,000 | 374 |
| Service charges on deposit accounts | $643,000 | 1,222 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,026,000 | 1,268 |
| Total noninterest expense | $14,045,000 | 705 |
| Salaries and employee benefits | $7,193,000 | 660 |
| Premises and equipment expense | $1,963,000 | 665 |
| Additional noninterest expense | $4,889,000 | 739 |
| Pre-tax net operating income | $-4,797,000 | 7,543 |
| Securities gains (losses) | $865,000 | 296 |
| Applicable income taxes | $-1,329,000 | 7,643 |
| Income before extraordinary items | $-2,603,000 | 7,408 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,603,000 | 7,408 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-2,603,000 | 7,408 |
| Net charge-offs | $7,797,000 | 400 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $257,000 | 346 |
| Net operating income | $-3,173,900 | 7,454 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $10,652,000 | 728 |
| Total interest expense | $4,030,000 | 558 |
| Net interest income | $6,622,000 | 834 |
| Provision for loan and lease losses | $2,420,000 | 641 |
| Total noninterest income | $995,000 | 1,238 |
| Gross Fiduciary activities income | $280,000 | 374 |
| Service charges on deposit accounts | $305,000 | 1,285 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $410,000 | 1,486 |
| Total noninterest expense | $6,793,000 | 737 |
| Salaries and employee benefits | $3,475,000 | 695 |
| Premises and equipment expense | $982,000 | 680 |
| Additional noninterest expense | $2,336,000 | 776 |
| Pre-tax net operating income | $-1,596,000 | 7,541 |
| Securities gains (losses) | $-200,000 | 7,760 |
| Applicable income taxes | $-557,000 | 7,722 |
| Income before extraordinary items | $-1,239,000 | 7,525 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,239,000 | 7,526 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,239,000 | 7,526 |
| Net charge-offs | $5,410,000 | 316 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $132,000 | 272 |
| Net operating income | $-1,101,000 | 7,485 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $45,157,000 | 736 |
| Total interest expense | $18,912,000 | 606 |
| Net interest income | $26,245,000 | 825 |
| Provision for loan and lease losses | $4,883,000 | 1,456 |
| Total noninterest income | $5,224,000 | 1,055 |
| Gross Fiduciary activities income | $1,007,000 | 385 |
| Service charges on deposit accounts | $1,541,000 | 1,118 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,676,000 | 1,116 |
| Total noninterest expense | $27,578,000 | 763 |
| Salaries and employee benefits | $13,753,000 | 699 |
| Premises and equipment expense | $3,882,000 | 684 |
| Additional noninterest expense | $9,943,000 | 798 |
| Pre-tax net operating income | $-992,000 | 6,256 |
| Securities gains (losses) | $-8,665,000 | 7,935 |
| Applicable income taxes | $-3,225,000 | 7,644 |
| Income before extraordinary items | $-6,432,000 | 7,386 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-6,432,000 | 7,385 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-6,432,000 | 7,385 |
| Net charge-offs | $436,000 | 3,969 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $572,000 | 519 |
| Net operating income | $-626,450 | 6,152 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $34,345,000 | 743 |
| Total interest expense | $14,498,000 | 628 |
| Net interest income | $19,847,000 | 822 |
| Provision for loan and lease losses | $2,334,000 | 1,739 |
| Total noninterest income | $3,902,000 | 1,069 |
| Gross Fiduciary activities income | $723,000 | 392 |
| Service charges on deposit accounts | $1,165,000 | 1,109 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $2,014,000 | 1,144 |
| Total noninterest expense | $20,809,000 | 755 |
| Salaries and employee benefits | $10,343,000 | 708 |
| Premises and equipment expense | $2,972,000 | 690 |
| Additional noninterest expense | $7,494,000 | 767 |
| Pre-tax net operating income | $606,000 | 3,587 |
| Securities gains (losses) | $-6,035,000 | 8,018 |
| Applicable income taxes | $-1,533,000 | 7,665 |
| Income before extraordinary items | $-3,896,000 | 7,477 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-3,896,000 | 7,478 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-3,896,000 | 7,478 |
| Net charge-offs | $140,000 | 4,702 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $435,000 | 457 |
| Net operating income | $449,200 | 3,773 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $23,136,000 | 752 |
| Total interest expense | $9,937,000 | 654 |
| Net interest income | $13,199,000 | 819 |
| Provision for loan and lease losses | $2,234,000 | 1,315 |
| Total noninterest income | $2,740,000 | 1,036 |
| Gross Fiduciary activities income | $490,000 | 390 |
| Service charges on deposit accounts | $790,000 | 1,082 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,460,000 | 1,125 |
| Total noninterest expense | $14,114,000 | 754 |
| Salaries and employee benefits | $6,896,000 | 726 |
| Premises and equipment expense | $2,051,000 | 682 |
| Additional noninterest expense | $5,167,000 | 751 |
| Pre-tax net operating income | $-409,000 | 6,556 |
| Securities gains (losses) | $-2,815,000 | 8,084 |
| Applicable income taxes | $-933,000 | 7,736 |
| Income before extraordinary items | $-2,291,000 | 7,534 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,291,000 | 7,533 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,291,000 | 7,533 |
| Net charge-offs | $63,000 | 4,708 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $274,000 | 428 |
| Net operating income | $-292,350 | 6,516 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $11,725,000 | 747 |
| Total interest expense | $5,120,000 | 653 |
| Net interest income | $6,605,000 | 818 |
| Provision for loan and lease losses | $728,000 | 1,431 |
| Total noninterest income | $1,239,000 | 1,080 |
| Gross Fiduciary activities income | $221,000 | 413 |
| Service charges on deposit accounts | $399,000 | 1,040 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $619,000 | 1,205 |
| Total noninterest expense | $6,797,000 | 737 |
| Salaries and employee benefits | $3,445,000 | 732 |
| Premises and equipment expense | $1,039,000 | 683 |
| Additional noninterest expense | $2,313,000 | 736 |
| Pre-tax net operating income | $319,000 | 3,241 |
| Securities gains (losses) | $-1,499,000 | 8,154 |
| Applicable income taxes | $-371,000 | 7,846 |
| Income before extraordinary items | $-809,000 | 7,633 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-809,000 | 7,634 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-809,000 | 7,634 |
| Net charge-offs | $40,000 | 3,753 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $130,000 | 325 |
| Net operating income | $225,310 | 3,514 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $49,616,000 | 751 |
| Total interest expense | $23,066,000 | 690 |
| Net interest income | $26,550,000 | 811 |
| Provision for loan and lease losses | $1,465,000 | 2,192 |
| Total noninterest income | $5,077,000 | 1,039 |
| Gross Fiduciary activities income | $1,141,000 | 380 |
| Service charges on deposit accounts | $1,761,000 | 1,017 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,175,000 | 1,224 |
| Total noninterest expense | $25,441,000 | 781 |
| Salaries and employee benefits | $14,027,000 | 707 |
| Premises and equipment expense | $3,587,000 | 777 |
| Additional noninterest expense | $7,827,000 | 839 |
| Pre-tax net operating income | $4,721,000 | 1,153 |
| Securities gains (losses) | $-3,235,000 | 8,013 |
| Applicable income taxes | $480,000 | 1,895 |
| Income before extraordinary items | $1,006,000 | 3,280 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,006,000 | 3,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $392,000 | 3,146 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $704,000 | 476 |
| Net operating income | $3,205,800 | 1,367 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $37,336,000 | 772 |
| Total interest expense | $17,705,000 | 704 |
| Net interest income | $19,631,000 | 833 |
| Provision for loan and lease losses | $575,000 | 2,534 |
| Total noninterest income | $3,658,000 | 1,121 |
| Gross Fiduciary activities income | $855,000 | 388 |
| Service charges on deposit accounts | $1,328,000 | 1,018 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,475,000 | 1,374 |
| Total noninterest expense | $19,432,000 | 756 |
| Salaries and employee benefits | $10,934,000 | 692 |
| Premises and equipment expense | $2,727,000 | 771 |
| Additional noninterest expense | $5,771,000 | 810 |
| Pre-tax net operating income | $3,282,000 | 1,490 |
| Securities gains (losses) | $-999,000 | 7,927 |
| Applicable income taxes | $743,000 | 1,453 |
| Income before extraordinary items | $1,540,000 | 2,277 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,540,000 | 2,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $313,000 | 2,508 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $544,000 | 365 |
| Net operating income | $2,209,330 | 1,725 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $24,949,000 | 780 |
| Total interest expense | $12,200,000 | 701 |
| Net interest income | $12,749,000 | 855 |
| Provision for loan and lease losses | $571,000 | 1,766 |
| Total noninterest income | $2,389,000 | 1,152 |
| Gross Fiduciary activities income | $582,000 | 391 |
| Service charges on deposit accounts | $852,000 | 1,033 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $955,000 | 1,451 |
| Total noninterest expense | $12,865,000 | 757 |
| Salaries and employee benefits | $7,195,000 | 702 |
| Premises and equipment expense | $1,825,000 | 760 |
| Additional noninterest expense | $3,845,000 | 785 |
| Pre-tax net operating income | $1,702,000 | 1,953 |
| Securities gains (losses) | $-158,000 | 8,290 |
| Applicable income taxes | $436,000 | 1,764 |
| Income before extraordinary items | $1,108,000 | 2,364 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,108,000 | 2,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $273,000 | 1,888 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $374,000 | 302 |
| Net operating income | $1,221,760 | 2,116 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $12,573,000 | 801 |
| Total interest expense | $6,563,000 | 702 |
| Net interest income | $6,010,000 | 889 |
| Provision for loan and lease losses | $225,000 | 1,695 |
| Total noninterest income | $1,203,000 | 1,147 |
| Gross Fiduciary activities income | $279,000 | 401 |
| Service charges on deposit accounts | $420,000 | 1,031 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $504,000 | 1,409 |
| Total noninterest expense | $6,415,000 | 748 |
| Salaries and employee benefits | $3,575,000 | 709 |
| Premises and equipment expense | $903,000 | 773 |
| Additional noninterest expense | $1,937,000 | 750 |
| Pre-tax net operating income | $573,000 | 2,806 |
| Securities gains (losses) | $-177,000 | 8,433 |
| Applicable income taxes | $103,000 | 2,768 |
| Income before extraordinary items | $293,000 | 3,853 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $293,000 | 3,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 1,548 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $189,000 | 222 |
| Net operating income | $423,980 | 2,988 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $48,685,000 | 860 |
| Total interest expense | $26,144,000 | 749 |
| Net interest income | $22,541,000 | 976 |
| Provision for loan and lease losses | $1,051,000 | 1,371 |
| Total noninterest income | $4,383,000 | 1,211 |
| Gross Fiduciary activities income | $1,183,000 | 382 |
| Service charges on deposit accounts | $1,448,000 | 1,224 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,752,000 | 1,498 |
| Total noninterest expense | $26,120,000 | 719 |
| Salaries and employee benefits | $16,812,000 | 578 |
| Premises and equipment expense | $2,888,000 | 897 |
| Additional noninterest expense | $6,420,000 | 881 |
| Pre-tax net operating income | $-247,000 | 7,683 |
| Securities gains (losses) | $510,000 | 265 |
| Applicable income taxes | $-271,000 | 8,189 |
| Income before extraordinary items | $534,000 | 5,563 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $534,000 | 5,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 3,150 |
| Cash dividends | $4,000,000 | 908 |
| Sale, conversion, retirement of capital stock, net | $804,000 | 465 |
| Net operating income | $24,000 | 7,391 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $36,115,000 | 871 |
| Total interest expense | $19,158,000 | 770 |
| Net interest income | $16,957,000 | 976 |
| Provision for loan and lease losses | $598,000 | 1,359 |
| Total noninterest income | $3,047,000 | 1,286 |
| Gross Fiduciary activities income | $856,000 | 379 |
| Service charges on deposit accounts | $1,053,000 | 1,245 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,138,000 | 1,656 |
| Total noninterest expense | $18,223,000 | 754 |
| Salaries and employee benefits | $11,590,000 | 626 |
| Premises and equipment expense | $2,110,000 | 920 |
| Additional noninterest expense | $4,523,000 | 900 |
| Pre-tax net operating income | $1,183,000 | 3,979 |
| Securities gains (losses) | $559,000 | 214 |
| Applicable income taxes | $601,000 | 2,287 |
| Income before extraordinary items | $1,141,000 | 3,585 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,141,000 | 3,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 2,646 |
| Cash dividends | $4,000,000 | 674 |
| Sale, conversion, retirement of capital stock, net | $616,000 | 375 |
| Net operating income | $777,650 | 4,399 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $23,820,000 | 886 |
| Total interest expense | $12,414,000 | 795 |
| Net interest income | $11,406,000 | 982 |
| Provision for loan and lease losses | $438,000 | 1,155 |
| Total noninterest income | $1,891,000 | 1,381 |
| Gross Fiduciary activities income | $563,000 | 390 |
| Service charges on deposit accounts | $688,000 | 1,279 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $640,000 | 1,891 |
| Total noninterest expense | $11,953,000 | 781 |
| Salaries and employee benefits | $7,572,000 | 656 |
| Premises and equipment expense | $1,396,000 | 944 |
| Additional noninterest expense | $2,985,000 | 925 |
| Pre-tax net operating income | $906,000 | 3,746 |
| Securities gains (losses) | $393,000 | 203 |
| Applicable income taxes | $466,000 | 2,168 |
| Income before extraordinary items | $833,000 | 3,436 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $833,000 | 3,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 2,438 |
| Cash dividends | $4,000,000 | 501 |
| Sale, conversion, retirement of capital stock, net | $425,000 | 319 |
| Net operating income | $581,480 | 4,213 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $11,596,000 | 907 |
| Total interest expense | $5,902,000 | 830 |
| Net interest income | $5,694,000 | 982 |
| Provision for loan and lease losses | $245,000 | 982 |
| Total noninterest income | $864,000 | 1,456 |
| Gross Fiduciary activities income | $268,000 | 407 |
| Service charges on deposit accounts | $328,000 | 1,313 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $268,000 | 2,121 |
| Total noninterest expense | $5,884,000 | 795 |
| Salaries and employee benefits | $3,745,000 | 666 |
| Premises and equipment expense | $692,000 | 953 |
| Additional noninterest expense | $1,447,000 | 938 |
| Pre-tax net operating income | $429,000 | 3,846 |
| Securities gains (losses) | $88,000 | 324 |
| Applicable income taxes | $205,000 | 2,368 |
| Income before extraordinary items | $312,000 | 4,083 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $312,000 | 4,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 1,624 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $255,680 | 4,497 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $42,717,000 | 913 |
| Total interest expense | $20,339,000 | 825 |
| Net interest income | $22,378,000 | 993 |
| Provision for loan and lease losses | $233,000 | 3,256 |
| Total noninterest income | $4,566,000 | 1,182 |
| Gross Fiduciary activities income | $1,001,000 | 403 |
| Service charges on deposit accounts | $1,612,000 | 1,094 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,953,000 | 1,384 |
| Total noninterest expense | $20,840,000 | 846 |
| Salaries and employee benefits | $11,897,000 | 799 |
| Premises and equipment expense | $2,446,000 | 1,023 |
| Additional noninterest expense | $6,497,000 | 825 |
| Pre-tax net operating income | $5,871,000 | 1,646 |
| Securities gains (losses) | $-1,736,000 | 8,605 |
| Applicable income taxes | $1,462,000 | 1,697 |
| Income before extraordinary items | $2,673,000 | 2,481 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,673,000 | 2,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-223,000 | 8,589 |
| Cash dividends | $4,000,000 | 861 |
| Sale, conversion, retirement of capital stock, net | $1,250,000 | 465 |
| Net operating income | $3,801,400 | 1,855 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $31,505,000 | 931 |
| Total interest expense | $14,617,000 | 842 |
| Net interest income | $16,888,000 | 1,005 |
| Provision for loan and lease losses | $245,000 | 2,480 |
| Total noninterest income | $2,827,000 | 1,366 |
| Gross Fiduciary activities income | $739,000 | 401 |
| Service charges on deposit accounts | $1,227,000 | 1,089 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $861,000 | 2,022 |
| Total noninterest expense | $15,248,000 | 875 |
| Salaries and employee benefits | $8,671,000 | 835 |
| Premises and equipment expense | $1,859,000 | 1,024 |
| Additional noninterest expense | $4,718,000 | 859 |
| Pre-tax net operating income | $4,222,000 | 1,762 |
| Securities gains (losses) | $152,000 | 365 |
| Applicable income taxes | $1,579,000 | 1,341 |
| Income before extraordinary items | $2,795,000 | 1,952 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,795,000 | 1,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-226,000 | 8,646 |
| Cash dividends | $4,000,000 | 629 |
| Sale, conversion, retirement of capital stock, net | $616,000 | 434 |
| Net operating income | $2,697,720 | 2,005 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $20,606,000 | 932 |
| Total interest expense | $9,219,000 | 846 |
| Net interest income | $11,387,000 | 992 |
| Provision for loan and lease losses | $340,000 | 1,331 |
| Total noninterest income | $1,810,000 | 1,408 |
| Gross Fiduciary activities income | $499,000 | 403 |
| Service charges on deposit accounts | $819,000 | 1,084 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $492,000 | 2,237 |
| Total noninterest expense | $10,336,000 | 871 |
| Salaries and employee benefits | $5,785,000 | 841 |
| Premises and equipment expense | $1,255,000 | 1,006 |
| Additional noninterest expense | $3,296,000 | 827 |
| Pre-tax net operating income | $2,521,000 | 1,941 |
| Securities gains (losses) | $166,000 | 291 |
| Applicable income taxes | $974,000 | 1,430 |
| Income before extraordinary items | $1,713,000 | 2,101 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,713,000 | 2,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-133,000 | 8,620 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $403,000 | 355 |
| Net operating income | $1,606,760 | 2,207 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $10,118,000 | 919 |
| Total interest expense | $4,313,000 | 857 |
| Net interest income | $5,805,000 | 975 |
| Provision for loan and lease losses | $164,000 | 1,334 |
| Total noninterest income | $884,000 | 1,399 |
| Gross Fiduciary activities income | $238,000 | 418 |
| Service charges on deposit accounts | $403,000 | 1,065 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $243,000 | 2,229 |
| Total noninterest expense | $5,188,000 | 860 |
| Salaries and employee benefits | $2,835,000 | 867 |
| Premises and equipment expense | $663,000 | 958 |
| Additional noninterest expense | $1,690,000 | 790 |
| Pre-tax net operating income | $1,337,000 | 1,804 |
| Securities gains (losses) | $40,000 | 376 |
| Applicable income taxes | $498,000 | 1,406 |
| Income before extraordinary items | $879,000 | 2,012 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $879,000 | 2,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-79,000 | 8,600 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $197,000 | 248 |
| Net operating income | $853,400 | 2,049 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $37,658,000 | 865 |
| Total interest expense | $15,054,000 | 752 |
| Net interest income | $22,604,000 | 943 |
| Provision for loan and lease losses | $841,000 | 1,207 |
| Total noninterest income | $2,497,000 | 1,868 |
| Gross Fiduciary activities income | $890,000 | 424 |
| Service charges on deposit accounts | $1,817,000 | 958 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-210,000 | 8,836 |
| Total noninterest expense | $18,663,000 | 912 |
| Salaries and employee benefits | $10,964,000 | 834 |
| Premises and equipment expense | $2,199,000 | 1,106 |
| Additional noninterest expense | $5,500,000 | 943 |
| Pre-tax net operating income | $5,597,000 | 1,670 |
| Securities gains (losses) | $-65,000 | 8,285 |
| Applicable income taxes | $2,039,000 | 1,341 |
| Income before extraordinary items | $3,493,000 | 1,961 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,493,000 | 1,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 1,784 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $38,049,000 | 28 |
| Net operating income | $3,534,600 | 1,917 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $26,908,000 | 892 |
| Total interest expense | $10,915,000 | 733 |
| Net interest income | $15,993,000 | 985 |
| Provision for loan and lease losses | $476,000 | 1,463 |
| Total noninterest income | $2,884,000 | 1,332 |
| Gross Fiduciary activities income | $667,000 | 413 |
| Service charges on deposit accounts | $1,354,000 | 963 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $863,000 | 2,014 |
| Total noninterest expense | $13,228,000 | 952 |
| Salaries and employee benefits | $7,644,000 | 881 |
| Premises and equipment expense | $1,637,000 | 1,104 |
| Additional noninterest expense | $3,947,000 | 974 |
| Pre-tax net operating income | $5,173,000 | 1,392 |
| Securities gains (losses) | $114,000 | 622 |
| Applicable income taxes | $2,046,000 | 1,046 |
| Income before extraordinary items | $3,241,000 | 1,621 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,241,000 | 1,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 2,228 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,168,040 | 1,630 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $17,561,000 | 887 |
| Total interest expense | $6,982,000 | 720 |
| Net interest income | $10,579,000 | 987 |
| Provision for loan and lease losses | $377,000 | 1,249 |
| Total noninterest income | $1,759,000 | 1,410 |
| Gross Fiduciary activities income | $439,000 | 420 |
| Service charges on deposit accounts | $869,000 | 981 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $451,000 | 2,350 |
| Total noninterest expense | $8,863,000 | 942 |
| Salaries and employee benefits | $5,073,000 | 881 |
| Premises and equipment expense | $1,097,000 | 1,084 |
| Additional noninterest expense | $2,693,000 | 932 |
| Pre-tax net operating income | $3,098,000 | 1,505 |
| Securities gains (losses) | $52,000 | 766 |
| Applicable income taxes | $1,206,000 | 1,162 |
| Income before extraordinary items | $1,944,000 | 1,759 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,944,000 | 1,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 2,115 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,910,720 | 1,752 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $8,599,000 | 885 |
| Total interest expense | $3,359,000 | 719 |
| Net interest income | $5,240,000 | 988 |
| Provision for loan and lease losses | $246,000 | 943 |
| Total noninterest income | $857,000 | 1,417 |
| Gross Fiduciary activities income | $213,000 | 434 |
| Service charges on deposit accounts | $428,000 | 965 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $216,000 | 2,370 |
| Total noninterest expense | $4,370,000 | 957 |
| Salaries and employee benefits | $2,507,000 | 886 |
| Premises and equipment expense | $547,000 | 1,098 |
| Additional noninterest expense | $1,316,000 | 947 |
| Pre-tax net operating income | $1,481,000 | 1,534 |
| Securities gains (losses) | $42,000 | 592 |
| Applicable income taxes | $582,000 | 1,173 |
| Income before extraordinary items | $941,000 | 1,791 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $941,000 | 1,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 1,262 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $914,120 | 1,809 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $31,978,000 | 871 |
| Total interest expense | $12,102,000 | 674 |
| Net interest income | $19,876,000 | 998 |
| Provision for loan and lease losses | $575,000 | 1,740 |
| Total noninterest income | $3,927,000 | 1,298 |
| Gross Fiduciary activities income | $839,000 | 416 |
| Service charges on deposit accounts | $1,890,000 | 921 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,198,000 | 1,909 |
| Total noninterest expense | $17,534,000 | 927 |
| Salaries and employee benefits | $10,164,000 | 843 |
| Premises and equipment expense | $2,086,000 | 1,102 |
| Additional noninterest expense | $5,284,000 | 947 |
| Pre-tax net operating income | $5,694,000 | 1,497 |
| Securities gains (losses) | $130,000 | 1,074 |
| Applicable income taxes | $2,259,000 | 1,142 |
| Income before extraordinary items | $3,565,000 | 1,783 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,565,000 | 1,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 2,875 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,481,800 | 1,779 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $23,438,000 | 883 |
| Total interest expense | $8,787,000 | 689 |
| Net interest income | $14,651,000 | 1,012 |
| Provision for loan and lease losses | $352,000 | 1,994 |
| Total noninterest income | $2,931,000 | 1,330 |
| Gross Fiduciary activities income | $624,000 | 420 |
| Service charges on deposit accounts | $1,358,000 | 975 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $949,000 | 1,840 |
| Total noninterest expense | $13,059,000 | 936 |
| Salaries and employee benefits | $7,524,000 | 854 |
| Premises and equipment expense | $1,592,000 | 1,094 |
| Additional noninterest expense | $3,943,000 | 945 |
| Pre-tax net operating income | $4,171,000 | 1,546 |
| Securities gains (losses) | $99,000 | 1,176 |
| Applicable income taxes | $1,651,000 | 1,185 |
| Income before extraordinary items | $2,619,000 | 1,827 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,619,000 | 1,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,247 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,555,640 | 1,819 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $15,373,000 | 877 |
| Total interest expense | $5,692,000 | 696 |
| Net interest income | $9,681,000 | 1,007 |
| Provision for loan and lease losses | $100,000 | 3,453 |
| Total noninterest income | $1,808,000 | 1,383 |
| Gross Fiduciary activities income | $420,000 | 424 |
| Service charges on deposit accounts | $893,000 | 977 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $495,000 | 2,204 |
| Total noninterest expense | $8,738,000 | 926 |
| Salaries and employee benefits | $4,921,000 | 868 |
| Premises and equipment expense | $1,086,000 | 1,069 |
| Additional noninterest expense | $2,731,000 | 911 |
| Pre-tax net operating income | $2,651,000 | 1,586 |
| Securities gains (losses) | $118,000 | 935 |
| Applicable income taxes | $1,061,000 | 1,218 |
| Income before extraordinary items | $1,708,000 | 1,843 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,708,000 | 1,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,411 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,632,480 | 1,869 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $7,675,000 | 892 |
| Total interest expense | $2,847,000 | 715 |
| Net interest income | $4,828,000 | 1,017 |
| Provision for loan and lease losses | $-11,000 | 8,930 |
| Total noninterest income | $872,000 | 1,396 |
| Gross Fiduciary activities income | $207,000 | 426 |
| Service charges on deposit accounts | $433,000 | 980 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $232,000 | 2,245 |
| Total noninterest expense | $4,296,000 | 952 |
| Salaries and employee benefits | $2,390,000 | 909 |
| Premises and equipment expense | $558,000 | 1,057 |
| Additional noninterest expense | $1,348,000 | 914 |
| Pre-tax net operating income | $1,415,000 | 1,469 |
| Securities gains (losses) | $47,000 | 1,239 |
| Applicable income taxes | $567,000 | 1,186 |
| Income before extraordinary items | $895,000 | 1,752 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $895,000 | 1,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-54,000 | 8,865 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $864,920 | 1,731 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $30,535,000 | 916 |
| Total interest expense | $11,852,000 | 740 |
| Net interest income | $18,683,000 | 1,032 |
| Provision for loan and lease losses | $979,000 | 1,215 |
| Total noninterest income | $3,950,000 | 1,355 |
| Gross Fiduciary activities income | $781,000 | 432 |
| Service charges on deposit accounts | $1,906,000 | 907 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,263,000 | 2,046 |
| Total noninterest expense | $16,945,000 | 963 |
| Salaries and employee benefits | $9,697,000 | 875 |
| Premises and equipment expense | $2,286,000 | 1,003 |
| Additional noninterest expense | $4,962,000 | 1,029 |
| Pre-tax net operating income | $4,709,000 | 1,714 |
| Securities gains (losses) | $29,000 | 2,952 |
| Applicable income taxes | $1,736,000 | 1,426 |
| Income before extraordinary items | $3,002,000 | 2,040 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,002,000 | 2,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $992,000 | 937 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $-132,000 | 9,117 |
| Net operating income | $2,983,440 | 1,959 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $22,920,000 | 938 |
| Total interest expense | $8,911,000 | 775 |
| Net interest income | $14,009,000 | 1,046 |
| Provision for loan and lease losses | $692,000 | 1,235 |
| Total noninterest income | $2,924,000 | 1,396 |
| Gross Fiduciary activities income | $580,000 | 445 |
| Service charges on deposit accounts | $1,432,000 | 907 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $912,000 | 2,179 |
| Total noninterest expense | $12,745,000 | 966 |
| Salaries and employee benefits | $7,271,000 | 888 |
| Premises and equipment expense | $1,797,000 | 952 |
| Additional noninterest expense | $3,677,000 | 1,047 |
| Pre-tax net operating income | $3,496,000 | 1,796 |
| Securities gains (losses) | $-71,000 | 9,093 |
| Applicable income taxes | $1,226,000 | 1,587 |
| Income before extraordinary items | $2,199,000 | 2,142 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,199,000 | 2,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $781,000 | 817 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $-132,000 | 9,175 |
| Net operating income | $2,244,440 | 1,996 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $15,196,000 | 954 |
| Total interest expense | $6,026,000 | 799 |
| Net interest income | $9,170,000 | 1,065 |
| Provision for loan and lease losses | $280,000 | 1,947 |
| Total noninterest income | $1,916,000 | 1,407 |
| Gross Fiduciary activities income | $377,000 | 451 |
| Service charges on deposit accounts | $935,000 | 915 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $604,000 | 2,180 |
| Total noninterest expense | $8,557,000 | 962 |
| Salaries and employee benefits | $4,838,000 | 892 |
| Premises and equipment expense | $1,234,000 | 927 |
| Additional noninterest expense | $2,485,000 | 1,025 |
| Pre-tax net operating income | $2,249,000 | 1,845 |
| Securities gains (losses) | $-56,000 | 9,166 |
| Applicable income taxes | $783,000 | 1,655 |
| Income before extraordinary items | $1,410,000 | 2,219 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,410,000 | 2,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $603,000 | 748 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $-132,000 | 9,216 |
| Net operating income | $1,445,840 | 2,061 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $7,519,000 | 976 |
| Total interest expense | $3,152,000 | 777 |
| Net interest income | $4,367,000 | 1,119 |
| Provision for loan and lease losses | $69,000 | 3,098 |
| Total noninterest income | $937,000 | 1,398 |
| Gross Fiduciary activities income | $179,000 | 468 |
| Service charges on deposit accounts | $451,000 | 926 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $307,000 | 2,078 |
| Total noninterest expense | $4,026,000 | 1,008 |
| Salaries and employee benefits | $2,215,000 | 972 |
| Premises and equipment expense | $581,000 | 990 |
| Additional noninterest expense | $1,230,000 | 997 |
| Pre-tax net operating income | $1,209,000 | 1,740 |
| Securities gains (losses) | $-14,000 | 9,176 |
| Applicable income taxes | $1,125,000 | 711 |
| Income before extraordinary items | $70,000 | 7,482 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $70,000 | 7,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $588,000 | 434 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $-132,000 | 9,279 |
| Net operating income | $78,960 | 7,174 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $32,515,000 | 934 |
| Total interest expense | $15,236,000 | 739 |
| Net interest income | $17,279,000 | 1,112 |
| Provision for loan and lease losses | $140,000 | 5,057 |
| Total noninterest income | $3,843,000 | 1,290 |
| Gross Fiduciary activities income | $746,000 | 458 |
| Service charges on deposit accounts | $1,850,000 | 874 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,247,000 | 1,891 |
| Total noninterest expense | $17,365,000 | 901 |
| Salaries and employee benefits | $9,301,000 | 868 |
| Premises and equipment expense | $2,237,000 | 977 |
| Additional noninterest expense | $5,827,000 | 854 |
| Pre-tax net operating income | $3,617,000 | 2,153 |
| Securities gains (losses) | $-992,000 | 9,306 |
| Applicable income taxes | $881,000 | 2,418 |
| Income before extraordinary items | $1,744,000 | 3,113 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,744,000 | 3,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,336 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,398,720 | 2,353 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $29,228,000 | 1,163 |
| Total interest expense | $16,228,000 | 994 |
| Net interest income | $13,000,000 | 1,369 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $2,145,000 | 1,908 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,200,000 | 1,244 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $945,000 | 2,129 |
| Total noninterest expense | $11,268,000 | 1,289 |
| Salaries and employee benefits | $5,467,000 | 1,378 |
| Premises and equipment expense | $1,647,000 | 1,302 |
| Additional noninterest expense | $4,154,000 | 1,152 |
| Pre-tax net operating income | $3,877,000 | 1,816 |
| Securities gains (losses) | $172,000 | 1,318 |
| Applicable income taxes | $1,496,000 | 1,500 |
| Income before extraordinary items | $2,553,000 | 2,045 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,553,000 | 2,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 3,012 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,442,920 | 2,064 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $28,931,000 | 1,222 |
| Total interest expense | $16,503,000 | 1,068 |
| Net interest income | $12,428,000 | 1,413 |
| Provision for loan and lease losses | $285,000 | 2,968 |
| Total noninterest income | $1,992,000 | 1,883 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $912,000 | 1,504 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,080,000 | 1,771 |
| Total noninterest expense | $10,847,000 | 1,273 |
| Salaries and employee benefits | $5,406,000 | 1,314 |
| Premises and equipment expense | $1,275,000 | 1,628 |
| Additional noninterest expense | $4,166,000 | 1,117 |
| Pre-tax net operating income | $3,288,000 | 2,196 |
| Securities gains (losses) | $186,000 | 426 |
| Applicable income taxes | $1,053,000 | 2,031 |
| Income before extraordinary items | $2,421,000 | 2,136 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,421,000 | 2,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,236 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,290,800 | 2,264 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $25,538,000 | 1,277 |
| Total interest expense | $13,040,000 | 1,164 |
| Net interest income | $12,498,000 | 1,395 |
| Provision for loan and lease losses | $310,000 | 2,576 |
| Total noninterest income | $1,590,000 | 2,210 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $745,000 | 1,776 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $845,000 | 2,084 |
| Total noninterest expense | $9,974,000 | 1,390 |
| Salaries and employee benefits | $5,092,000 | 1,360 |
| Premises and equipment expense | $1,154,000 | 1,771 |
| Additional noninterest expense | $3,728,000 | 1,234 |
| Pre-tax net operating income | $3,804,000 | 1,933 |
| Securities gains (losses) | $20,000 | 1,398 |
| Applicable income taxes | $1,219,000 | 1,896 |
| Income before extraordinary items | $2,605,000 | 2,033 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,605,000 | 2,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,712 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,591,400 | 2,010 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $25,061,000 | 1,292 |
| Total interest expense | $12,833,000 | 1,214 |
| Net interest income | $12,228,000 | 1,379 |
| Provision for loan and lease losses | $395,000 | 2,085 |
| Total noninterest income | $1,083,000 | 2,905 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $585,000 | 2,198 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $498,000 | 2,992 |
| Total noninterest expense | $8,691,000 | 1,530 |
| Salaries and employee benefits | $4,445,000 | 1,471 |
| Premises and equipment expense | $1,043,000 | 1,901 |
| Additional noninterest expense | $3,203,000 | 1,371 |
| Pre-tax net operating income | $4,225,000 | 1,738 |
| Securities gains (losses) | $-6,000 | 10,112 |
| Applicable income taxes | $1,702,000 | 1,450 |
| Income before extraordinary items | $2,517,000 | 2,068 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,517,000 | 2,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 2,501 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,520,840 | 1,995 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $20,867,000 | 1,583 |
| Total interest expense | $9,989,000 | 1,551 |
| Net interest income | $10,878,000 | 1,588 |
| Provision for loan and lease losses | $350,000 | 2,319 |
| Total noninterest income | $1,040,000 | 2,955 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $476,000 | 2,745 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $564,000 | 2,606 |
| Total noninterest expense | $6,829,000 | 1,892 |
| Salaries and employee benefits | $3,755,000 | 1,738 |
| Premises and equipment expense | $851,000 | 2,302 |
| Additional noninterest expense | $2,223,000 | 1,914 |
| Pre-tax net operating income | $4,739,000 | 1,632 |
| Securities gains (losses) | $44,000 | 1,416 |
| Applicable income taxes | $2,035,000 | 1,302 |
| Income before extraordinary items | $2,748,000 | 1,921 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,748,000 | 1,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 2,794 |
| Cash dividends | $1,500,000 | 1,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,719,840 | 1,882 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $19,175,000 | 1,759 |
| Total interest expense | $9,216,000 | 1,714 |
| Net interest income | $9,959,000 | 1,778 |
| Provision for loan and lease losses | $690,000 | 1,345 |
| Total noninterest income | $896,000 | 3,409 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $473,000 | 2,865 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $423,000 | 3,281 |
| Total noninterest expense | $6,119,000 | 2,242 |
| Salaries and employee benefits | $3,359,000 | 1,964 |
| Premises and equipment expense | $712,000 | 2,740 |
| Additional noninterest expense | $2,048,000 | 2,399 |
| Pre-tax net operating income | $4,046,000 | 1,782 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $1,743,000 | 1,393 |
| Income before extraordinary items | $2,304,000 | 2,151 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,304,000 | 2,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $488,000 | 1,453 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,303,360 | 2,104 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $17,806,000 | 1,907 |
| Total interest expense | $8,352,000 | 1,888 |
| Net interest income | $9,454,000 | 1,893 |
| Provision for loan and lease losses | $710,000 | 1,207 |
| Total noninterest income | $903,000 | 3,356 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $509,000 | 2,667 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $394,000 | 3,338 |
| Total noninterest expense | $6,141,000 | 2,216 |
| Salaries and employee benefits | $3,178,000 | 2,093 |
| Premises and equipment expense | $696,000 | 2,822 |
| Additional noninterest expense | $2,267,000 | 2,176 |
| Pre-tax net operating income | $3,506,000 | 2,098 |
| Securities gains (losses) | $8,000 | 2,536 |
| Applicable income taxes | $1,511,000 | 1,640 |
| Income before extraordinary items | $2,003,000 | 2,512 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,003,000 | 2,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $673,000 | 1,144 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,997,880 | 2,493 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,605,000 | 1,975 |
| Total interest expense | $6,881,000 | 1,826 |
| Net interest income | $8,724,000 | 2,067 |
| Provision for loan and lease losses | $375,000 | 1,906 |
| Total noninterest income | $907,000 | 3,346 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $489,000 | 2,817 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $418,000 | 3,313 |
| Total noninterest expense | $6,070,000 | 2,314 |
| Salaries and employee benefits | $3,229,000 | 2,044 |
| Premises and equipment expense | $632,000 | 3,115 |
| Additional noninterest expense | $2,209,000 | 2,378 |
| Pre-tax net operating income | $3,186,000 | 2,228 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,265,000 | 1,802 |
| Income before extraordinary items | $1,921,000 | 2,529 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,921,000 | 2,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $406,000 | 1,574 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,921,000 | 2,549 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $15,542,000 | 2,022 |
| Total interest expense | $7,331,000 | 1,786 |
| Net interest income | $8,211,000 | 2,193 |
| Provision for loan and lease losses | $689,000 | 1,687 |
| Total noninterest income | $1,207,000 | 2,895 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $510,000 | 2,726 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $697,000 | 2,607 |
| Total noninterest expense | $6,400,000 | 2,271 |
| Salaries and employee benefits | $3,031,000 | 2,190 |
| Premises and equipment expense | $615,000 | 3,252 |
| Additional noninterest expense | $2,754,000 | 2,045 |
| Pre-tax net operating income | $2,329,000 | 2,898 |
| Securities gains (losses) | $99,000 | 2,530 |
| Applicable income taxes | $856,000 | 2,613 |
| Income before extraordinary items | $1,572,000 | 3,100 |
| Extraordinary gains, net | $231,000 | 906 |
| Net income | $1,803,000 | 2,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $524,000 | 1,715 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,507,650 | 3,066 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $17,278,000 | 2,052 |
| Total interest expense | $9,331,000 | 1,816 |
| Net interest income | $7,947,000 | 2,286 |
| Provision for loan and lease losses | $1,467,000 | 1,424 |
| Total noninterest income | $936,000 | 3,507 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $474,000 | 2,939 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $462,000 | 3,356 |
| Total noninterest expense | $6,273,000 | 2,323 |
| Salaries and employee benefits | $2,779,000 | 2,335 |
| Premises and equipment expense | $642,000 | 3,152 |
| Additional noninterest expense | $2,852,000 | 2,079 |
| Pre-tax net operating income | $1,143,000 | 5,119 |
| Securities gains (losses) | $97,000 | 3,051 |
| Applicable income taxes | $670,000 | 3,114 |
| Income before extraordinary items | $570,000 | 6,778 |
| Extraordinary gains, net | $845,000 | 135 |
| Net income | $1,415,000 | 3,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,139,000 | 1,440 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $507,920 | 6,888 |
* 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.