Home > Liberty Bank > Income and Expense
Liberty Bank, Income and Expense
| 2016-12-31 (YTD Data) | Rank | |
| Total interest income | $10,030,000 | 2,391 |
| Total interest expense | $808,000 | 2,802 |
| Net interest income | $9,222,000 | 2,336 |
| Provision for loan and lease losses | $0 | 4,332 |
| Total noninterest income | $1,316,000 | 2,644 |
| Gross Fiduciary activities income | $0 | 1,172 |
| Service charges on deposit accounts | $323,000 | 2,829 |
| Trading account gains and fees | $0 | 170 |
| Additional Noninterest Income | $993,000 | 2,409 |
| Total noninterest expense | $7,143,000 | 2,517 |
| Salaries and employee benefits | $4,104,000 | 2,455 |
| Premises and equipment expense | $725,000 | 2,658 |
| Additional noninterest expense | $2,314,000 | 2,460 |
| Pre-tax net operating income | $3,395,000 | 2,173 |
| Securities gains (losses) | $0 | 3,212 |
| Applicable income taxes | $1,119,000 | 1,537 |
| Income before extraordinary items | $2,276,000 | 2,565 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $2,276,000 | 2,563 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $2,276,000 | 2,564 |
| Net charge-offs | $-560,000 | 5,814 |
| Cash dividends | $783,000 | 2,479 |
| Sale, conversion, retirement of capital stock, net | $2,361,000 | 138 |
| Net operating income | $2,276,000 | 2,516 |
| 2016-09-30 (YTD Data) | Rank | |
| Total interest income | $7,542,000 | 2,387 |
| Total interest expense | $621,000 | 2,764 |
| Net interest income | $6,921,000 | 2,336 |
| Provision for loan and lease losses | $0 | 4,186 |
| Total noninterest income | $896,000 | 2,790 |
| Gross Fiduciary activities income | $0 | 1,132 |
| Service charges on deposit accounts | $240,000 | 2,854 |
| Trading account gains and fees | $0 | 169 |
| Additional Noninterest Income | $656,000 | 2,561 |
| Total noninterest expense | $5,301,000 | 2,529 |
| Salaries and employee benefits | $3,143,000 | 2,402 |
| Premises and equipment expense | $541,000 | 2,681 |
| Additional noninterest expense | $1,617,000 | 2,629 |
| Pre-tax net operating income | $2,516,000 | 2,236 |
| Securities gains (losses) | $0 | 3,160 |
| Applicable income taxes | $856,000 | 1,567 |
| Income before extraordinary items | $1,660,000 | 2,644 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $1,660,000 | 2,644 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $1,660,000 | 2,644 |
| Net charge-offs | $-649,000 | 5,887 |
| Cash dividends | $576,000 | 2,228 |
| Sale, conversion, retirement of capital stock, net | $84,000 | 445 |
| Net operating income | $1,660,000 | 2,583 |
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $5,108,000 | 2,368 |
| Total interest expense | $424,000 | 2,722 |
| Net interest income | $4,684,000 | 2,314 |
| Provision for loan and lease losses | $0 | 4,017 |
| Total noninterest income | $464,000 | 3,167 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $162,000 | 2,822 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $302,000 | 3,012 |
| Total noninterest expense | $3,481,000 | 2,573 |
| Salaries and employee benefits | $2,106,000 | 2,401 |
| Premises and equipment expense | $366,000 | 2,683 |
| Additional noninterest expense | $1,009,000 | 2,752 |
| Pre-tax net operating income | $1,667,000 | 2,223 |
| Securities gains (losses) | $0 | 2,835 |
| Applicable income taxes | $567,000 | 1,545 |
| Income before extraordinary items | $1,100,000 | 2,640 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,100,000 | 2,639 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $1,100,000 | 2,639 |
| Net charge-offs | $-697,000 | 5,999 |
| Cash dividends | $384,000 | 2,271 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 436 |
| Net operating income | $1,100,000 | 2,561 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $2,238,000 | 2,649 |
| Total interest expense | $217,000 | 2,692 |
| Net interest income | $2,021,000 | 2,616 |
| Provision for loan and lease losses | $0 | 3,656 |
| Total noninterest income | $233,000 | 3,129 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $85,000 | 2,699 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $148,000 | 2,995 |
| Total noninterest expense | $1,746,000 | 2,573 |
| Salaries and employee benefits | $1,056,000 | 2,416 |
| Premises and equipment expense | $184,000 | 2,699 |
| Additional noninterest expense | $506,000 | 2,750 |
| Pre-tax net operating income | $508,000 | 3,016 |
| Securities gains (losses) | $0 | 2,077 |
| Applicable income taxes | $173,000 | 1,974 |
| Income before extraordinary items | $335,000 | 3,442 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $335,000 | 3,437 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $335,000 | 3,439 |
| Net charge-offs | $-202,000 | 5,991 |
| Cash dividends | $192,000 | 1,988 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 332 |
| Net operating income | $335,000 | 3,379 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $8,605,000 | 2,697 |
| Total interest expense | $949,000 | 2,506 |
| Net interest income | $7,656,000 | 2,686 |
| Provision for loan and lease losses | $0 | 4,380 |
| Total noninterest income | $977,000 | 3,112 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $280,000 | 3,162 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $697,000 | 2,846 |
| Total noninterest expense | $5,896,000 | 2,902 |
| Salaries and employee benefits | $3,589,000 | 2,685 |
| Premises and equipment expense | $705,000 | 2,805 |
| Additional noninterest expense | $1,602,000 | 3,266 |
| Pre-tax net operating income | $2,737,000 | 2,478 |
| Securities gains (losses) | $0 | 3,216 |
| Applicable income taxes | $943,000 | 1,639 |
| Income before extraordinary items | $1,794,000 | 2,915 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,794,000 | 2,917 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,794,000 | 2,917 |
| Net charge-offs | $547,000 | 1,092 |
| Cash dividends | $573,000 | 2,793 |
| Sale, conversion, retirement of capital stock, net | $305,000 | 374 |
| Net operating income | $1,794,000 | 2,874 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $6,438,000 | 2,712 |
| Total interest expense | $725,000 | 2,499 |
| Net interest income | $5,713,000 | 2,716 |
| Provision for loan and lease losses | $0 | 4,232 |
| Total noninterest income | $735,000 | 3,116 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $206,000 | 3,215 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $529,000 | 2,839 |
| Total noninterest expense | $4,585,000 | 2,836 |
| Salaries and employee benefits | $2,699,000 | 2,686 |
| Premises and equipment expense | $521,000 | 2,878 |
| Additional noninterest expense | $1,365,000 | 3,001 |
| Pre-tax net operating income | $1,863,000 | 2,692 |
| Securities gains (losses) | $0 | 3,031 |
| Applicable income taxes | $643,000 | 1,783 |
| Income before extraordinary items | $1,220,000 | 3,149 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,220,000 | 3,148 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,220,000 | 3,149 |
| Net charge-offs | $570,000 | 785 |
| Cash dividends | $429,000 | 2,480 |
| Sale, conversion, retirement of capital stock, net | $304,000 | 309 |
| Net operating income | $1,220,000 | 3,092 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $4,275,000 | 2,724 |
| Total interest expense | $489,000 | 2,496 |
| Net interest income | $3,786,000 | 2,728 |
| Provision for loan and lease losses | $0 | 4,069 |
| Total noninterest income | $492,000 | 3,104 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $137,000 | 3,197 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $355,000 | 2,826 |
| Total noninterest expense | $3,105,000 | 2,819 |
| Salaries and employee benefits | $1,794,000 | 2,705 |
| Premises and equipment expense | $400,000 | 2,596 |
| Additional noninterest expense | $911,000 | 3,016 |
| Pre-tax net operating income | $1,173,000 | 2,777 |
| Securities gains (losses) | $0 | 2,636 |
| Applicable income taxes | $404,000 | 1,840 |
| Income before extraordinary items | $769,000 | 3,235 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $769,000 | 3,235 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $769,000 | 3,236 |
| Net charge-offs | $690,000 | 484 |
| Cash dividends | $285,000 | 2,482 |
| Sale, conversion, retirement of capital stock, net | $210,000 | 282 |
| Net operating income | $769,000 | 3,172 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $2,210,000 | 2,658 |
| Total interest expense | $245,000 | 2,520 |
| Net interest income | $1,965,000 | 2,650 |
| Provision for loan and lease losses | $0 | 3,703 |
| Total noninterest income | $177,000 | 3,618 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $71,000 | 3,105 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $106,000 | 3,517 |
| Total noninterest expense | $1,617,000 | 2,755 |
| Salaries and employee benefits | $942,000 | 2,649 |
| Premises and equipment expense | $197,000 | 2,681 |
| Additional noninterest expense | $478,000 | 2,880 |
| Pre-tax net operating income | $525,000 | 2,936 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $183,000 | 1,916 |
| Income before extraordinary items | $342,000 | 3,412 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $342,000 | 3,415 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $342,000 | 3,415 |
| Net charge-offs | $-22,000 | 5,709 |
| Cash dividends | $143,000 | 2,102 |
| Sale, conversion, retirement of capital stock, net | $145,000 | 220 |
| Net operating income | $342,000 | 3,331 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $9,051,000 | 2,627 |
| Total interest expense | $1,027,000 | 2,534 |
| Net interest income | $8,024,000 | 2,612 |
| Provision for loan and lease losses | $-917,000 | 6,343 |
| Total noninterest income | $1,246,000 | 2,785 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $327,000 | 3,048 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $919,000 | 2,435 |
| Total noninterest expense | $6,052,000 | 2,902 |
| Salaries and employee benefits | $3,596,000 | 2,713 |
| Premises and equipment expense | $804,000 | 2,651 |
| Additional noninterest expense | $1,652,000 | 3,312 |
| Pre-tax net operating income | $4,135,000 | 1,790 |
| Securities gains (losses) | $0 | 3,259 |
| Applicable income taxes | $1,112,000 | 1,441 |
| Income before extraordinary items | $3,023,000 | 2,010 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $3,023,000 | 2,009 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $3,023,000 | 2,009 |
| Net charge-offs | $-439,000 | 6,374 |
| Cash dividends | $141,000 | 3,918 |
| Sale, conversion, retirement of capital stock, net | $1,063,000 | 199 |
| Net operating income | $3,023,000 | 1,969 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $6,856,000 | 2,623 |
| Total interest expense | $781,000 | 2,550 |
| Net interest income | $6,075,000 | 2,608 |
| Provision for loan and lease losses | $-917,000 | 6,454 |
| Total noninterest income | $1,117,000 | 2,545 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $251,000 | 3,037 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $866,000 | 2,134 |
| Total noninterest expense | $4,573,000 | 2,895 |
| Salaries and employee benefits | $2,766,000 | 2,670 |
| Premises and equipment expense | $614,000 | 2,652 |
| Additional noninterest expense | $1,193,000 | 3,418 |
| Pre-tax net operating income | $3,536,000 | 1,608 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $985,000 | 1,322 |
| Income before extraordinary items | $2,551,000 | 1,818 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,551,000 | 1,818 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $2,551,000 | 1,817 |
| Net charge-offs | $-65,000 | 6,111 |
| Cash dividends | $141,000 | 3,296 |
| Sale, conversion, retirement of capital stock, net | $852,000 | 163 |
| Net operating income | $2,551,000 | 1,785 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $4,508,000 | 2,654 |
| Total interest expense | $527,000 | 2,546 |
| Net interest income | $3,981,000 | 2,635 |
| Provision for loan and lease losses | $-917,000 | 6,556 |
| Total noninterest income | $925,000 | 2,185 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $168,000 | 3,015 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $757,000 | 1,764 |
| Total noninterest expense | $3,017,000 | 2,933 |
| Salaries and employee benefits | $1,857,000 | 2,668 |
| Premises and equipment expense | $405,000 | 2,689 |
| Additional noninterest expense | $755,000 | 3,566 |
| Pre-tax net operating income | $2,806,000 | 1,356 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $818,000 | 1,115 |
| Income before extraordinary items | $1,988,000 | 1,552 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,988,000 | 1,555 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $1,988,000 | 1,554 |
| Net charge-offs | $-32,000 | 6,033 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $517,000 | 164 |
| Net operating income | $1,988,000 | 1,524 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $2,174,000 | 2,730 |
| Total interest expense | $266,000 | 2,555 |
| Net interest income | $1,908,000 | 2,731 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $323,000 | 2,699 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $87,000 | 2,933 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $236,000 | 2,323 |
| Total noninterest expense | $1,586,000 | 2,858 |
| Salaries and employee benefits | $935,000 | 2,677 |
| Premises and equipment expense | $207,000 | 2,699 |
| Additional noninterest expense | $444,000 | 3,171 |
| Pre-tax net operating income | $645,000 | 2,455 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $136,000 | 2,085 |
| Income before extraordinary items | $509,000 | 2,530 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $509,000 | 2,533 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $509,000 | 2,533 |
| Net charge-offs | $6,000 | 3,056 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 657 |
| Net operating income | $509,000 | 2,482 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $8,865,000 | 2,701 |
| Total interest expense | $1,145,000 | 2,663 |
| Net interest income | $7,720,000 | 2,694 |
| Provision for loan and lease losses | $1,014,000 | 1,081 |
| Total noninterest income | $1,551,000 | 2,532 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $338,000 | 3,149 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,213,000 | 2,125 |
| Total noninterest expense | $6,155,000 | 2,923 |
| Salaries and employee benefits | $3,449,000 | 2,834 |
| Premises and equipment expense | $794,000 | 2,721 |
| Additional noninterest expense | $1,912,000 | 3,089 |
| Pre-tax net operating income | $2,102,000 | 2,761 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $723,000 | 1,781 |
| Income before extraordinary items | $1,379,000 | 3,316 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,379,000 | 3,318 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $1,379,000 | 3,319 |
| Net charge-offs | $2,483,000 | 633 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $95,000 | 548 |
| Net operating income | $1,379,000 | 3,255 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $6,706,000 | 2,705 |
| Total interest expense | $863,000 | 2,737 |
| Net interest income | $5,843,000 | 2,674 |
| Provision for loan and lease losses | $902,000 | 949 |
| Total noninterest income | $1,215,000 | 2,516 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $246,000 | 3,216 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $969,000 | 2,090 |
| Total noninterest expense | $4,671,000 | 2,922 |
| Salaries and employee benefits | $2,593,000 | 2,841 |
| Premises and equipment expense | $597,000 | 2,737 |
| Additional noninterest expense | $1,481,000 | 3,002 |
| Pre-tax net operating income | $1,485,000 | 2,939 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $511,000 | 1,899 |
| Income before extraordinary items | $974,000 | 3,475 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $974,000 | 3,477 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $974,000 | 3,479 |
| Net charge-offs | $1,983,000 | 597 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 764 |
| Net operating income | $974,000 | 3,396 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $4,552,000 | 2,665 |
| Total interest expense | $574,000 | 2,800 |
| Net interest income | $3,978,000 | 2,623 |
| Provision for loan and lease losses | $902,000 | 731 |
| Total noninterest income | $911,000 | 2,351 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $156,000 | 3,275 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $755,000 | 1,922 |
| Total noninterest expense | $3,091,000 | 2,926 |
| Salaries and employee benefits | $1,731,000 | 2,854 |
| Premises and equipment expense | $394,000 | 2,776 |
| Additional noninterest expense | $966,000 | 3,045 |
| Pre-tax net operating income | $896,000 | 3,106 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $308,000 | 1,988 |
| Income before extraordinary items | $588,000 | 3,643 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $588,000 | 3,645 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $588,000 | 3,646 |
| Net charge-offs | $1,967,000 | 458 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 694 |
| Net operating income | $588,000 | 3,536 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,293,000 | 2,664 |
| Total interest expense | $287,000 | 2,880 |
| Net interest income | $2,006,000 | 2,608 |
| Provision for loan and lease losses | $430,000 | 768 |
| Total noninterest income | $345,000 | 2,789 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $77,000 | 3,284 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $268,000 | 2,369 |
| Total noninterest expense | $1,557,000 | 2,936 |
| Salaries and employee benefits | $875,000 | 2,837 |
| Premises and equipment expense | $203,000 | 2,738 |
| Additional noninterest expense | $479,000 | 3,087 |
| Pre-tax net operating income | $364,000 | 3,450 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $126,000 | 2,179 |
| Income before extraordinary items | $238,000 | 3,970 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $238,000 | 3,973 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $238,000 | 3,973 |
| Net charge-offs | $1,056,000 | 454 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 645 |
| Net operating income | $238,000 | 3,886 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $10,024,000 | 2,564 |
| Total interest expense | $1,396,000 | 2,880 |
| Net interest income | $8,628,000 | 2,483 |
| Provision for loan and lease losses | $1,490,000 | 1,335 |
| Total noninterest income | $983,000 | 3,282 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $284,000 | 3,592 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $699,000 | 2,892 |
| Total noninterest expense | $6,905,000 | 2,687 |
| Salaries and employee benefits | $3,701,000 | 2,641 |
| Premises and equipment expense | $882,000 | 2,529 |
| Additional noninterest expense | $2,322,000 | 2,744 |
| Pre-tax net operating income | $1,216,000 | 3,689 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $465,000 | 2,261 |
| Income before extraordinary items | $751,000 | 4,359 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $751,000 | 4,356 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $751,000 | 4,358 |
| Net charge-offs | $1,373,000 | 1,477 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 567 |
| Net operating income | $751,000 | 4,186 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $7,402,000 | 2,654 |
| Total interest expense | $1,089,000 | 2,885 |
| Net interest income | $6,313,000 | 2,584 |
| Provision for loan and lease losses | $903,000 | 1,546 |
| Total noninterest income | $622,000 | 3,621 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $193,000 | 3,837 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $429,000 | 3,173 |
| Total noninterest expense | $5,340,000 | 2,632 |
| Salaries and employee benefits | $2,886,000 | 2,559 |
| Premises and equipment expense | $667,000 | 2,538 |
| Additional noninterest expense | $1,787,000 | 2,690 |
| Pre-tax net operating income | $692,000 | 4,235 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $286,000 | 2,511 |
| Income before extraordinary items | $406,000 | 4,965 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $406,000 | 4,966 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $406,000 | 4,966 |
| Net charge-offs | $1,147,000 | 1,332 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $149,000 | 392 |
| Net operating income | $406,000 | 4,786 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,895,000 | 2,679 |
| Total interest expense | $759,000 | 2,878 |
| Net interest income | $4,136,000 | 2,631 |
| Provision for loan and lease losses | $630,000 | 1,518 |
| Total noninterest income | $363,000 | 3,844 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $124,000 | 3,895 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $239,000 | 3,411 |
| Total noninterest expense | $3,629,000 | 2,606 |
| Salaries and employee benefits | $1,950,000 | 2,512 |
| Premises and equipment expense | $449,000 | 2,532 |
| Additional noninterest expense | $1,230,000 | 2,623 |
| Pre-tax net operating income | $240,000 | 5,102 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $115,000 | 2,954 |
| Income before extraordinary items | $125,000 | 5,789 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $125,000 | 5,788 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $125,000 | 5,788 |
| Net charge-offs | $749,000 | 1,380 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $99,000 | 372 |
| Net operating income | $125,000 | 5,610 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,485,000 | 2,673 |
| Total interest expense | $397,000 | 2,879 |
| Net interest income | $2,088,000 | 2,617 |
| Provision for loan and lease losses | $341,000 | 1,387 |
| Total noninterest income | $259,000 | 3,190 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $65,000 | 3,802 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $194,000 | 2,709 |
| Total noninterest expense | $1,917,000 | 2,456 |
| Salaries and employee benefits | $1,077,000 | 2,318 |
| Premises and equipment expense | $225,000 | 2,538 |
| Additional noninterest expense | $615,000 | 2,593 |
| Pre-tax net operating income | $89,000 | 5,524 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $48,000 | 3,100 |
| Income before extraordinary items | $41,000 | 6,084 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $41,000 | 6,083 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $41,000 | 6,084 |
| Net charge-offs | $519,000 | 1,067 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 318 |
| Net operating income | $41,000 | 5,948 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $10,791,000 | 2,578 |
| Total interest expense | $2,380,000 | 2,418 |
| Net interest income | $8,411,000 | 2,603 |
| Provision for loan and lease losses | $5,432,000 | 733 |
| Total noninterest income | $976,000 | 3,154 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $311,000 | 3,530 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $665,000 | 2,714 |
| Total noninterest expense | $7,318,000 | 2,563 |
| Salaries and employee benefits | $3,836,000 | 2,499 |
| Premises and equipment expense | $925,000 | 2,571 |
| Additional noninterest expense | $2,557,000 | 2,547 |
| Pre-tax net operating income | $-3,363,000 | 6,951 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $-1,023,000 | 7,175 |
| Income before extraordinary items | $-2,340,000 | 6,880 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,340,000 | 6,879 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-2,340,000 | 6,880 |
| Net charge-offs | $4,575,000 | 868 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $5,009,000 | 135 |
| Net operating income | $-2,340,000 | 6,866 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $8,225,000 | 2,566 |
| Total interest expense | $1,869,000 | 2,414 |
| Net interest income | $6,356,000 | 2,600 |
| Provision for loan and lease losses | $1,414,000 | 1,567 |
| Total noninterest income | $826,000 | 2,945 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $236,000 | 3,511 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $590,000 | 2,448 |
| Total noninterest expense | $5,464,000 | 2,577 |
| Salaries and employee benefits | $2,885,000 | 2,490 |
| Premises and equipment expense | $701,000 | 2,572 |
| Additional noninterest expense | $1,878,000 | 2,600 |
| Pre-tax net operating income | $304,000 | 5,098 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $172,000 | 2,786 |
| Income before extraordinary items | $132,000 | 5,779 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $132,000 | 5,780 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $132,000 | 5,780 |
| Net charge-offs | $1,462,000 | 1,522 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $4,972,000 | 118 |
| Net operating income | $132,000 | 5,635 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,531,000 | 2,567 |
| Total interest expense | $1,283,000 | 2,434 |
| Net interest income | $4,248,000 | 2,596 |
| Provision for loan and lease losses | $953,000 | 1,535 |
| Total noninterest income | $585,000 | 2,836 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $205,000 | 2,960 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $380,000 | 2,511 |
| Total noninterest expense | $3,641,000 | 2,590 |
| Salaries and employee benefits | $1,994,000 | 2,427 |
| Premises and equipment expense | $350,000 | 3,258 |
| Additional noninterest expense | $1,297,000 | 2,562 |
| Pre-tax net operating income | $239,000 | 4,895 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $133,000 | 2,625 |
| Income before extraordinary items | $106,000 | 5,657 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $106,000 | 5,656 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $106,000 | 5,657 |
| Net charge-offs | $1,214,000 | 1,312 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $3,643,000 | 72 |
| Net operating income | $106,000 | 5,569 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,888,000 | 2,470 |
| Total interest expense | $667,000 | 2,419 |
| Net interest income | $2,221,000 | 2,481 |
| Provision for loan and lease losses | $577,000 | 1,318 |
| Total noninterest income | $322,000 | 2,710 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $108,000 | 2,820 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $214,000 | 2,380 |
| Total noninterest expense | $1,826,000 | 2,599 |
| Salaries and employee benefits | $1,012,000 | 2,408 |
| Premises and equipment expense | $176,000 | 3,290 |
| Additional noninterest expense | $638,000 | 2,595 |
| Pre-tax net operating income | $140,000 | 4,733 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $79,000 | 2,441 |
| Income before extraordinary items | $61,000 | 5,536 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $61,000 | 5,534 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $61,000 | 5,535 |
| Net charge-offs | $759,000 | 1,024 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $80,000 | 290 |
| Net operating income | $61,000 | 5,487 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $11,121,000 | 2,702 |
| Total interest expense | $3,636,000 | 2,176 |
| Net interest income | $7,485,000 | 2,903 |
| Provision for loan and lease losses | $2,624,000 | 1,768 |
| Total noninterest income | $1,419,000 | 2,614 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $420,000 | 2,985 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $999,000 | 2,182 |
| Total noninterest expense | $6,988,000 | 2,725 |
| Salaries and employee benefits | $3,877,000 | 2,480 |
| Premises and equipment expense | $654,000 | 3,483 |
| Additional noninterest expense | $2,457,000 | 2,731 |
| Pre-tax net operating income | $-708,000 | 6,354 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-152,000 | 6,917 |
| Income before extraordinary items | $-556,000 | 6,397 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-556,000 | 6,398 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-556,000 | 6,398 |
| Net charge-offs | $1,723,000 | 2,029 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $586,000 | 438 |
| Net operating income | $-556,000 | 6,359 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $8,282,000 | 2,771 |
| Total interest expense | $2,835,000 | 2,189 |
| Net interest income | $5,447,000 | 3,018 |
| Provision for loan and lease losses | $1,982,000 | 1,667 |
| Total noninterest income | $1,028,000 | 2,681 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $294,000 | 3,190 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $734,000 | 2,197 |
| Total noninterest expense | $5,282,000 | 2,711 |
| Salaries and employee benefits | $3,032,000 | 2,398 |
| Premises and equipment expense | $482,000 | 3,581 |
| Additional noninterest expense | $1,768,000 | 2,759 |
| Pre-tax net operating income | $-789,000 | 6,691 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-132,000 | 7,123 |
| Income before extraordinary items | $-657,000 | 6,754 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-657,000 | 6,755 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-657,000 | 6,755 |
| Net charge-offs | $1,230,000 | 1,967 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $579,000 | 353 |
| Net operating income | $-657,000 | 6,701 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,375,000 | 2,853 |
| Total interest expense | $1,919,000 | 2,239 |
| Net interest income | $3,456,000 | 3,135 |
| Provision for loan and lease losses | $1,934,000 | 1,307 |
| Total noninterest income | $638,000 | 2,750 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $190,000 | 3,239 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $448,000 | 2,248 |
| Total noninterest expense | $3,547,000 | 2,703 |
| Salaries and employee benefits | $2,041,000 | 2,391 |
| Premises and equipment expense | $312,000 | 3,696 |
| Additional noninterest expense | $1,194,000 | 2,734 |
| Pre-tax net operating income | $-1,387,000 | 7,134 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-30,000 | 7,009 |
| Income before extraordinary items | $-1,357,000 | 7,205 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,357,000 | 7,203 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,357,000 | 7,205 |
| Net charge-offs | $907,000 | 1,825 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $260,000 | 344 |
| Net operating income | $-1,357,000 | 7,193 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,614,000 | 2,982 |
| Total interest expense | $956,000 | 2,342 |
| Net interest income | $1,658,000 | 3,268 |
| Provision for loan and lease losses | $518,000 | 1,789 |
| Total noninterest income | $266,000 | 3,098 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $87,000 | 3,420 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $179,000 | 2,553 |
| Total noninterest expense | $1,778,000 | 2,731 |
| Salaries and employee benefits | $1,048,000 | 2,351 |
| Premises and equipment expense | $148,000 | 3,919 |
| Additional noninterest expense | $582,000 | 2,778 |
| Pre-tax net operating income | $-372,000 | 7,064 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-79,000 | 7,413 |
| Income before extraordinary items | $-293,000 | 7,067 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-293,000 | 7,068 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-293,000 | 7,067 |
| Net charge-offs | $375,000 | 1,827 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $140,000 | 263 |
| Net operating income | $-293,000 | 7,028 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $9,452,000 | 3,367 |
| Total interest expense | $3,507,000 | 3,051 |
| Net interest income | $5,945,000 | 3,497 |
| Provision for loan and lease losses | $2,023,000 | 2,462 |
| Total noninterest income | $662,000 | 4,178 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $278,000 | 4,034 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $384,000 | 3,600 |
| Total noninterest expense | $7,214,000 | 2,718 |
| Salaries and employee benefits | $4,419,000 | 2,224 |
| Premises and equipment expense | $685,000 | 3,521 |
| Additional noninterest expense | $2,110,000 | 3,180 |
| Pre-tax net operating income | $-2,630,000 | 6,807 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-706,000 | 7,157 |
| Income before extraordinary items | $-1,924,000 | 6,723 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,924,000 | 6,721 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,924,000 | 6,721 |
| Net charge-offs | $2,130,000 | 1,960 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $477,000 | 556 |
| Net operating income | $-1,924,000 | 6,724 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,853,000 | 3,518 |
| Total interest expense | $2,512,000 | 3,277 |
| Net interest income | $4,341,000 | 3,571 |
| Provision for loan and lease losses | $1,562,000 | 2,166 |
| Total noninterest income | $481,000 | 4,293 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $185,000 | 4,261 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $296,000 | 3,642 |
| Total noninterest expense | $5,448,000 | 2,714 |
| Salaries and employee benefits | $3,355,000 | 2,213 |
| Premises and equipment expense | $523,000 | 3,507 |
| Additional noninterest expense | $1,570,000 | 3,171 |
| Pre-tax net operating income | $-2,188,000 | 7,098 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-744,000 | 7,469 |
| Income before extraordinary items | $-1,444,000 | 6,981 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,444,000 | 6,981 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,444,000 | 6,982 |
| Net charge-offs | $1,702,000 | 1,660 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $304,000 | 507 |
| Net operating income | $-1,444,000 | 6,960 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,359,000 | 3,674 |
| Total interest expense | $1,589,000 | 3,528 |
| Net interest income | $2,770,000 | 3,679 |
| Provision for loan and lease losses | $503,000 | 2,955 |
| Total noninterest income | $266,000 | 4,686 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $114,000 | 4,395 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $152,000 | 4,094 |
| Total noninterest expense | $3,637,000 | 2,735 |
| Salaries and employee benefits | $2,221,000 | 2,275 |
| Premises and equipment expense | $355,000 | 3,494 |
| Additional noninterest expense | $1,061,000 | 3,150 |
| Pre-tax net operating income | $-1,104,000 | 7,067 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-375,000 | 7,492 |
| Income before extraordinary items | $-729,000 | 6,967 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-729,000 | 6,967 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-729,000 | 6,967 |
| Net charge-offs | $646,000 | 2,061 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $177,000 | 495 |
| Net operating income | $-729,000 | 6,952 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,119,000 | 3,778 |
| Total interest expense | $784,000 | 3,656 |
| Net interest income | $1,335,000 | 3,765 |
| Provision for loan and lease losses | $128,000 | 3,516 |
| Total noninterest income | $164,000 | 4,213 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $55,000 | 4,417 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $109,000 | 3,517 |
| Total noninterest expense | $1,781,000 | 2,704 |
| Salaries and employee benefits | $1,098,000 | 2,330 |
| Premises and equipment expense | $174,000 | 3,586 |
| Additional noninterest expense | $509,000 | 2,965 |
| Pre-tax net operating income | $-410,000 | 7,215 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-139,000 | 7,631 |
| Income before extraordinary items | $-271,000 | 7,151 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-271,000 | 7,151 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-271,000 | 7,152 |
| Net charge-offs | $234,000 | 2,015 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $92,000 | 379 |
| Net operating income | $-271,000 | 7,094 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $10,500,000 | 3,404 |
| Total interest expense | $4,824,000 | 3,056 |
| Net interest income | $5,676,000 | 3,619 |
| Provision for loan and lease losses | $2,364,000 | 1,617 |
| Total noninterest income | $2,489,000 | 1,815 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $179,000 | 4,994 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,310,000 | 1,175 |
| Total noninterest expense | $6,353,000 | 2,914 |
| Salaries and employee benefits | $3,827,000 | 2,608 |
| Premises and equipment expense | $605,000 | 3,910 |
| Additional noninterest expense | $1,921,000 | 2,960 |
| Pre-tax net operating income | $-552,000 | 6,803 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-223,000 | 7,237 |
| Income before extraordinary items | $-329,000 | 6,594 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-329,000 | 6,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $898,000 | 2,081 |
| Cash dividends | $153,000 | 4,708 |
| Sale, conversion, retirement of capital stock, net | $576,000 | 523 |
| Net operating income | $-329,000 | 6,742 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,095,000 | 3,394 |
| Total interest expense | $3,841,000 | 3,007 |
| Net interest income | $4,254,000 | 3,648 |
| Provision for loan and lease losses | $397,000 | 3,095 |
| Total noninterest income | $636,000 | 3,843 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $123,000 | 5,189 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $513,000 | 2,770 |
| Total noninterest expense | $4,637,000 | 2,963 |
| Salaries and employee benefits | $2,743,000 | 2,736 |
| Premises and equipment expense | $428,000 | 4,089 |
| Additional noninterest expense | $1,466,000 | 2,827 |
| Pre-tax net operating income | $-144,000 | 6,967 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-49,000 | 7,448 |
| Income before extraordinary items | $-95,000 | 6,775 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-95,000 | 6,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $264,000 | 2,714 |
| Cash dividends | $153,000 | 4,091 |
| Sale, conversion, retirement of capital stock, net | $228,000 | 539 |
| Net operating income | $-95,000 | 6,945 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,718,000 | 3,275 |
| Total interest expense | $2,824,000 | 2,866 |
| Net interest income | $2,894,000 | 3,591 |
| Provision for loan and lease losses | $275,000 | 2,680 |
| Total noninterest income | $510,000 | 3,455 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $82,000 | 5,200 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $428,000 | 2,475 |
| Total noninterest expense | $3,106,000 | 2,961 |
| Salaries and employee benefits | $1,849,000 | 2,744 |
| Premises and equipment expense | $266,000 | 4,337 |
| Additional noninterest expense | $991,000 | 2,763 |
| Pre-tax net operating income | $23,000 | 6,825 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $8,000 | 5,072 |
| Income before extraordinary items | $15,000 | 6,917 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $15,000 | 6,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,151 |
| Cash dividends | $153,000 | 3,709 |
| Sale, conversion, retirement of capital stock, net | $155,000 | 459 |
| Net operating income | $15,000 | 6,868 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,463,000 | 2,815 |
| Total interest expense | $1,734,000 | 2,519 |
| Net interest income | $1,729,000 | 3,111 |
| Provision for loan and lease losses | $30,000 | 4,346 |
| Total noninterest income | $380,000 | 2,692 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $41,000 | 5,179 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $339,000 | 1,822 |
| Total noninterest expense | $1,673,000 | 2,774 |
| Salaries and employee benefits | $997,000 | 2,592 |
| Premises and equipment expense | $129,000 | 4,432 |
| Additional noninterest expense | $547,000 | 2,513 |
| Pre-tax net operating income | $406,000 | 3,515 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $138,000 | 2,423 |
| Income before extraordinary items | $268,000 | 4,056 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $268,000 | 4,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,250 |
| Cash dividends | $77,000 | 3,129 |
| Sale, conversion, retirement of capital stock, net | $73,000 | 388 |
| Net operating income | $268,000 | 3,964 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $15,044,000 | 2,672 |
| Total interest expense | $7,037,000 | 2,614 |
| Net interest income | $8,007,000 | 2,728 |
| Provision for loan and lease losses | $642,000 | 1,962 |
| Total noninterest income | $1,418,000 | 2,810 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $172,000 | 5,188 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,246,000 | 1,914 |
| Total noninterest expense | $5,757,000 | 3,079 |
| Salaries and employee benefits | $3,439,000 | 2,858 |
| Premises and equipment expense | $501,000 | 4,355 |
| Additional noninterest expense | $1,817,000 | 2,904 |
| Pre-tax net operating income | $3,026,000 | 2,452 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,187,000 | 1,661 |
| Income before extraordinary items | $1,839,000 | 3,016 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,839,000 | 3,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 2,810 |
| Cash dividends | $205,000 | 4,857 |
| Sale, conversion, retirement of capital stock, net | $901,000 | 450 |
| Net operating income | $1,839,000 | 3,011 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,817,000 | 2,784 |
| Total interest expense | $4,950,000 | 2,763 |
| Net interest income | $5,867,000 | 2,792 |
| Provision for loan and lease losses | $552,000 | 1,440 |
| Total noninterest income | $1,042,000 | 2,833 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $130,000 | 5,196 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $912,000 | 1,952 |
| Total noninterest expense | $4,191,000 | 3,115 |
| Salaries and employee benefits | $2,508,000 | 2,912 |
| Premises and equipment expense | $370,000 | 4,393 |
| Additional noninterest expense | $1,313,000 | 2,951 |
| Pre-tax net operating income | $2,166,000 | 2,697 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $848,000 | 1,827 |
| Income before extraordinary items | $1,318,000 | 3,246 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,318,000 | 3,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 3,581 |
| Cash dividends | $136,000 | 4,468 |
| Sale, conversion, retirement of capital stock, net | $404,000 | 444 |
| Net operating income | $1,318,000 | 3,231 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,953,000 | 2,895 |
| Total interest expense | $3,203,000 | 2,829 |
| Net interest income | $3,750,000 | 2,932 |
| Provision for loan and lease losses | $432,000 | 1,169 |
| Total noninterest income | $707,000 | 2,815 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $91,000 | 5,130 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $616,000 | 1,944 |
| Total noninterest expense | $2,718,000 | 3,223 |
| Salaries and employee benefits | $1,605,000 | 3,062 |
| Premises and equipment expense | $243,000 | 4,462 |
| Additional noninterest expense | $870,000 | 2,968 |
| Pre-tax net operating income | $1,307,000 | 2,936 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $469,000 | 2,160 |
| Income before extraordinary items | $838,000 | 3,418 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $838,000 | 3,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,129 |
| Cash dividends | $68,000 | 4,566 |
| Sale, conversion, retirement of capital stock, net | $283,000 | 386 |
| Net operating income | $838,000 | 3,395 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,315,000 | 3,011 |
| Total interest expense | $1,598,000 | 2,829 |
| Net interest income | $1,717,000 | 3,165 |
| Provision for loan and lease losses | $162,000 | 1,354 |
| Total noninterest income | $375,000 | 2,676 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $45,000 | 5,093 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $330,000 | 1,834 |
| Total noninterest expense | $1,333,000 | 3,284 |
| Salaries and employee benefits | $784,000 | 3,141 |
| Premises and equipment expense | $123,000 | 4,440 |
| Additional noninterest expense | $426,000 | 3,006 |
| Pre-tax net operating income | $597,000 | 3,129 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $203,000 | 2,380 |
| Income before extraordinary items | $394,000 | 3,541 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $394,000 | 3,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,660 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $154,000 | 277 |
| Net operating income | $394,000 | 3,517 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,706,000 | 3,664 |
| Total interest expense | $4,434,000 | 3,324 |
| Net interest income | $5,272,000 | 3,862 |
| Provision for loan and lease losses | $367,000 | 2,424 |
| Total noninterest income | $892,000 | 3,792 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $156,000 | 5,454 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $736,000 | 2,704 |
| Total noninterest expense | $4,388,000 | 3,696 |
| Salaries and employee benefits | $2,512,000 | 3,596 |
| Premises and equipment expense | $420,000 | 4,770 |
| Additional noninterest expense | $1,456,000 | 3,368 |
| Pre-tax net operating income | $1,409,000 | 4,436 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $583,000 | 2,925 |
| Income before extraordinary items | $826,000 | 5,133 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $826,000 | 5,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,171 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $5,907,000 | 291 |
| Net operating income | $826,000 | 5,131 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,936,000 | 3,763 |
| Total interest expense | $3,126,000 | 3,396 |
| Net interest income | $3,810,000 | 3,984 |
| Provision for loan and lease losses | $157,000 | 3,335 |
| Total noninterest income | $588,000 | 4,109 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $117,000 | 5,519 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $471,000 | 2,945 |
| Total noninterest expense | $3,280,000 | 3,714 |
| Salaries and employee benefits | $1,876,000 | 3,613 |
| Premises and equipment expense | $307,000 | 4,862 |
| Additional noninterest expense | $1,097,000 | 3,367 |
| Pre-tax net operating income | $961,000 | 4,798 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $494,000 | 2,878 |
| Income before extraordinary items | $467,000 | 5,909 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $467,000 | 5,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,016 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $220,000 | 577 |
| Net operating income | $467,000 | 5,910 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,368,000 | 3,879 |
| Total interest expense | $2,003,000 | 3,373 |
| Net interest income | $2,365,000 | 4,204 |
| Provision for loan and lease losses | $86,000 | 3,640 |
| Total noninterest income | $342,000 | 4,410 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $72,000 | 5,670 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $270,000 | 3,197 |
| Total noninterest expense | $2,132,000 | 3,795 |
| Salaries and employee benefits | $1,209,000 | 3,723 |
| Premises and equipment expense | $199,000 | 4,947 |
| Additional noninterest expense | $724,000 | 3,377 |
| Pre-tax net operating income | $489,000 | 5,456 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $252,000 | 3,295 |
| Income before extraordinary items | $237,000 | 6,461 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $237,000 | 6,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $129,000 | 496 |
| Net operating income | $237,000 | 6,462 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,069,000 | 3,981 |
| Total interest expense | $953,000 | 3,369 |
| Net interest income | $1,116,000 | 4,382 |
| Provision for loan and lease losses | $54,000 | 3,025 |
| Total noninterest income | $156,000 | 4,573 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $35,000 | 5,651 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $121,000 | 3,366 |
| Total noninterest expense | $1,051,000 | 3,857 |
| Salaries and employee benefits | $587,000 | 3,828 |
| Premises and equipment expense | $100,000 | 4,961 |
| Additional noninterest expense | $364,000 | 3,364 |
| Pre-tax net operating income | $167,000 | 6,203 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $73,000 | 3,988 |
| Income before extraordinary items | $94,000 | 6,826 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $94,000 | 6,827 |
| 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 | $59,000 | 379 |
| Net operating income | $94,000 | 6,824 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,427,000 | 4,893 |
| Total interest expense | $2,128,000 | 4,252 |
| Net interest income | $3,299,000 | 5,191 |
| Provision for loan and lease losses | $925,000 | 1,121 |
| Total noninterest income | $274,000 | 6,506 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $142,000 | 5,708 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $132,000 | 5,948 |
| Total noninterest expense | $3,395,000 | 4,395 |
| Salaries and employee benefits | $1,852,000 | 4,377 |
| Premises and equipment expense | $279,000 | 5,922 |
| Additional noninterest expense | $1,264,000 | 3,708 |
| Pre-tax net operating income | $-747,000 | 8,573 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-433,000 | 8,755 |
| Income before extraordinary items | $-314,000 | 8,469 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-314,000 | 8,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $807,000 | 801 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $267,000 | 612 |
| Net operating income | $-314,000 | 8,451 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,561,000 | 5,296 |
| Total interest expense | $1,299,000 | 4,713 |
| Net interest income | $2,262,000 | 5,511 |
| Provision for loan and lease losses | $800,000 | 940 |
| Total noninterest income | $178,000 | 6,805 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $106,000 | 5,754 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $72,000 | 6,477 |
| Total noninterest expense | $2,387,000 | 4,564 |
| Salaries and employee benefits | $1,316,000 | 4,531 |
| Premises and equipment expense | $198,000 | 6,061 |
| Additional noninterest expense | $873,000 | 3,914 |
| Pre-tax net operating income | $-747,000 | 8,672 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-239,000 | 8,770 |
| Income before extraordinary items | $-508,000 | 8,647 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-508,000 | 8,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $705,000 | 649 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 685 |
| Net operating income | $-508,000 | 8,621 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,172,000 | 5,489 |
| Total interest expense | $725,000 | 5,039 |
| Net interest income | $1,447,000 | 5,605 |
| Provision for loan and lease losses | $760,000 | 664 |
| Total noninterest income | $118,000 | 6,779 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $73,000 | 5,656 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $45,000 | 6,573 |
| Total noninterest expense | $1,585,000 | 4,559 |
| Salaries and employee benefits | $905,000 | 4,401 |
| Premises and equipment expense | $85,000 | 7,031 |
| Additional noninterest expense | $595,000 | 3,835 |
| Pre-tax net operating income | $-780,000 | 8,744 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-251,000 | 8,805 |
| Income before extraordinary items | $-529,000 | 8,717 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-529,000 | 8,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 1,811 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-529,000 | 8,693 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $995,000 | 5,748 |
| Total interest expense | $322,000 | 5,294 |
| Net interest income | $673,000 | 5,854 |
| Provision for loan and lease losses | $711,000 | 346 |
| Total noninterest income | $59,000 | 6,784 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $35,000 | 5,695 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,543 |
| Total noninterest expense | $789,000 | 4,598 |
| Salaries and employee benefits | $441,000 | 4,507 |
| Premises and equipment expense | $49,000 | 6,814 |
| Additional noninterest expense | $299,000 | 3,812 |
| Pre-tax net operating income | $-768,000 | 8,887 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-242,000 | 8,887 |
| Income before extraordinary items | $-526,000 | 8,870 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-526,000 | 8,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 1,244 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-526,000 | 8,856 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,907,000 | 6,524 |
| Total interest expense | $959,000 | 5,786 |
| Net interest income | $1,948,000 | 6,694 |
| Provision for loan and lease losses | $185,000 | 3,829 |
| Total noninterest income | $229,000 | 6,930 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $151,000 | 5,769 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $78,000 | 6,806 |
| Total noninterest expense | $2,729,000 | 4,995 |
| Salaries and employee benefits | $1,461,000 | 5,045 |
| Premises and equipment expense | $207,000 | 6,676 |
| Additional noninterest expense | $1,061,000 | 4,138 |
| Pre-tax net operating income | $-737,000 | 8,738 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-242,000 | 8,836 |
| Income before extraordinary items | $-495,000 | 8,719 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-495,000 | 8,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,355 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $5,466,000 | 217 |
| Net operating income | $-495,000 | 8,692 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,080,000 | 6,649 |
| Total interest expense | $686,000 | 5,884 |
| Net interest income | $1,394,000 | 6,833 |
| Provision for loan and lease losses | $110,000 | 4,124 |
| Total noninterest income | $173,000 | 6,951 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $113,000 | 5,820 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $60,000 | 6,801 |
| Total noninterest expense | $1,994,000 | 5,043 |
| Salaries and employee benefits | $1,051,000 | 5,125 |
| Premises and equipment expense | $154,000 | 6,667 |
| Additional noninterest expense | $789,000 | 4,125 |
| Pre-tax net operating income | $-537,000 | 8,787 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-183,000 | 8,901 |
| Income before extraordinary items | $-354,000 | 8,754 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-354,000 | 8,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,844 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-354,000 | 8,730 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,387,000 | 6,697 |
| Total interest expense | $453,000 | 5,930 |
| Net interest income | $934,000 | 6,850 |
| Provision for loan and lease losses | $65,000 | 4,191 |
| Total noninterest income | $112,000 | 7,039 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $73,000 | 5,890 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $39,000 | 6,845 |
| Total noninterest expense | $1,236,000 | 5,330 |
| Salaries and employee benefits | $616,000 | 5,615 |
| Premises and equipment expense | $105,000 | 6,680 |
| Additional noninterest expense | $515,000 | 4,219 |
| Pre-tax net operating income | $-255,000 | 8,795 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-87,000 | 8,928 |
| Income before extraordinary items | $-168,000 | 8,771 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-168,000 | 8,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,407 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-168,000 | 8,746 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $695,000 | 6,734 |
| Total interest expense | $225,000 | 6,002 |
| Net interest income | $470,000 | 6,867 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $54,000 | 7,095 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $24,000 | 6,539 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $30,000 | 6,109 |
| Total noninterest expense | $589,000 | 5,509 |
| Salaries and employee benefits | $289,000 | 5,842 |
| Premises and equipment expense | $52,000 | 6,694 |
| Additional noninterest expense | $248,000 | 4,344 |
| Pre-tax net operating income | $-95,000 | 8,795 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-39,000 | 8,951 |
| Income before extraordinary items | $-56,000 | 8,765 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-56,000 | 8,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,279 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-56,000 | 8,732 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,717,000 | 6,827 |
| Total interest expense | $805,000 | 6,699 |
| Net interest income | $1,912,000 | 6,716 |
| Provision for loan and lease losses | $448,000 | 2,381 |
| Total noninterest income | $242,000 | 6,998 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $115,000 | 6,334 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $127,000 | 6,125 |
| Total noninterest expense | $2,221,000 | 5,641 |
| Salaries and employee benefits | $927,000 | 6,508 |
| Premises and equipment expense | $195,000 | 6,839 |
| Additional noninterest expense | $1,099,000 | 3,978 |
| Pre-tax net operating income | $-515,000 | 8,830 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-194,000 | 9,007 |
| Income before extraordinary items | $-321,000 | 8,828 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-321,000 | 8,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,493 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 848 |
| Net operating income | $-321,000 | 8,767 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,014,000 | 6,933 |
| Total interest expense | $605,000 | 6,833 |
| Net interest income | $1,409,000 | 6,819 |
| Provision for loan and lease losses | $40,000 | 6,097 |
| Total noninterest income | $182,000 | 7,061 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $87,000 | 6,376 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $95,000 | 6,182 |
| Total noninterest expense | $1,363,000 | 6,285 |
| Salaries and employee benefits | $681,000 | 6,551 |
| Premises and equipment expense | $145,000 | 6,860 |
| Additional noninterest expense | $537,000 | 5,402 |
| Pre-tax net operating income | $188,000 | 7,788 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $63,000 | 6,021 |
| Income before extraordinary items | $125,000 | 8,066 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $125,000 | 8,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 695 |
| Net operating income | $125,000 | 7,929 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,351,000 | 6,958 |
| Total interest expense | $409,000 | 6,921 |
| Net interest income | $942,000 | 6,822 |
| Provision for loan and lease losses | $40,000 | 5,444 |
| Total noninterest income | $118,000 | 7,103 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $64,000 | 6,188 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $54,000 | 6,441 |
| Total noninterest expense | $890,000 | 6,370 |
| Salaries and employee benefits | $438,000 | 6,688 |
| Premises and equipment expense | $100,000 | 6,763 |
| Additional noninterest expense | $352,000 | 5,458 |
| Pre-tax net operating income | $130,000 | 7,766 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $44,000 | 6,023 |
| Income before extraordinary items | $86,000 | 8,087 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $86,000 | 8,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 563 |
| Net operating income | $86,000 | 7,925 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $666,000 | 7,040 |
| Total interest expense | $201,000 | 7,054 |
| Net interest income | $465,000 | 6,859 |
| Provision for loan and lease losses | $20,000 | 5,233 |
| Total noninterest income | $52,000 | 7,298 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $29,000 | 6,311 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $23,000 | 6,700 |
| Total noninterest expense | $429,000 | 6,506 |
| Salaries and employee benefits | $208,000 | 6,865 |
| Premises and equipment expense | $52,000 | 6,665 |
| Additional noninterest expense | $169,000 | 5,559 |
| Pre-tax net operating income | $68,000 | 7,700 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $23,000 | 5,966 |
| Income before extraordinary items | $45,000 | 7,996 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $45,000 | 7,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 385 |
| Net operating income | $45,000 | 7,844 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,654,000 | 7,204 |
| Total interest expense | $940,000 | 7,085 |
| Net interest income | $1,713,000 | 7,098 |
| Provision for loan and lease losses | $159,000 | 4,820 |
| Total noninterest income | $190,000 | 7,415 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $135,000 | 6,042 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $55,000 | 7,472 |
| Total noninterest expense | $1,692,000 | 6,474 |
| Salaries and employee benefits | $791,000 | 6,912 |
| Premises and equipment expense | $243,000 | 6,234 |
| Additional noninterest expense | $658,000 | 5,615 |
| Pre-tax net operating income | $52,000 | 8,467 |
| Securities gains (losses) | $5,000 | 3,957 |
| Applicable income taxes | $19,000 | 7,067 |
| Income before extraordinary items | $38,000 | 8,595 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $38,000 | 8,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 3,329 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $-198,000 | 9,269 |
| Net operating income | $34,650 | 8,531 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,262,000 | 6,967 |
| Total interest expense | $1,565,000 | 6,855 |
| Net interest income | $1,697,000 | 6,984 |
| Provision for loan and lease losses | $22,000 | 7,515 |
| Total noninterest income | $148,000 | 7,880 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $100,000 | 6,572 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $48,000 | 7,736 |
| Total noninterest expense | $1,688,000 | 6,365 |
| Salaries and employee benefits | $831,000 | 6,651 |
| Premises and equipment expense | $250,000 | 6,089 |
| Additional noninterest expense | $607,000 | 5,793 |
| Pre-tax net operating income | $135,000 | 8,166 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $20,000 | 7,319 |
| Income before extraordinary items | $115,000 | 8,240 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $115,000 | 8,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,995 |
| Cash dividends | $70,000 | 5,993 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $115,000 | 8,132 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,711,000 | 6,720 |
| Total interest expense | $1,494,000 | 7,177 |
| Net interest income | $2,217,000 | 6,240 |
| Provision for loan and lease losses | $25,000 | 7,386 |
| Total noninterest income | $182,000 | 7,459 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $137,000 | 5,948 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 7,994 |
| Total noninterest expense | $1,602,000 | 6,476 |
| Salaries and employee benefits | $782,000 | 6,816 |
| Premises and equipment expense | $258,000 | 5,931 |
| Additional noninterest expense | $562,000 | 6,004 |
| Pre-tax net operating income | $772,000 | 5,966 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $262,000 | 4,878 |
| Income before extraordinary items | $510,000 | 6,258 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $510,000 | 6,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,922 |
| Cash dividends | $141,000 | 5,592 |
| Sale, conversion, retirement of capital stock, net | $90,000 | 707 |
| Net operating income | $510,000 | 6,283 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,349,000 | 6,988 |
| Total interest expense | $1,331,000 | 7,337 |
| Net interest income | $2,018,000 | 6,611 |
| Provision for loan and lease losses | $10,000 | 8,114 |
| Total noninterest income | $205,000 | 7,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 5,727 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 8,128 |
| Total noninterest expense | $1,423,000 | 6,981 |
| Salaries and employee benefits | $723,000 | 7,126 |
| Premises and equipment expense | $173,000 | 7,268 |
| Additional noninterest expense | $527,000 | 6,302 |
| Pre-tax net operating income | $790,000 | 5,968 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $277,000 | 4,990 |
| Income before extraordinary items | $513,000 | 6,349 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $513,000 | 6,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,975 |
| Cash dividends | $122,000 | 5,878 |
| Sale, conversion, retirement of capital stock, net | $-90,000 | 10,095 |
| Net operating income | $513,000 | 6,329 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,127,000 | 7,379 |
| Total interest expense | $1,281,000 | 7,721 |
| Net interest income | $1,846,000 | 6,953 |
| Provision for loan and lease losses | $96,000 | 5,205 |
| Total noninterest income | $241,000 | 7,102 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $149,000 | 5,953 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 6,828 |
| Total noninterest expense | $1,226,000 | 7,468 |
| Salaries and employee benefits | $621,000 | 7,637 |
| Premises and equipment expense | $142,000 | 7,842 |
| Additional noninterest expense | $463,000 | 6,700 |
| Pre-tax net operating income | $765,000 | 6,231 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $262,000 | 5,533 |
| Income before extraordinary items | $503,000 | 6,595 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $503,000 | 6,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,908 |
| Cash dividends | $84,000 | 6,457 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $503,000 | 6,473 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,957,000 | 7,811 |
| Total interest expense | $1,309,000 | 7,826 |
| Net interest income | $1,648,000 | 7,666 |
| Provision for loan and lease losses | $86,000 | 5,525 |
| Total noninterest income | $176,000 | 8,191 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $110,000 | 6,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 7,824 |
| Total noninterest expense | $1,201,000 | 7,674 |
| Salaries and employee benefits | $608,000 | 7,860 |
| Premises and equipment expense | $122,000 | 8,446 |
| Additional noninterest expense | $471,000 | 6,744 |
| Pre-tax net operating income | $537,000 | 7,726 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $209,000 | 6,766 |
| Income before extraordinary items | $330,000 | 8,153 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $330,000 | 8,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,315 |
| Cash dividends | $28,000 | 7,507 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $328,720 | 8,116 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,451,000 | 8,753 |
| Total interest expense | $1,048,000 | 8,857 |
| Net interest income | $1,403,000 | 8,507 |
| Provision for loan and lease losses | $57,000 | 6,361 |
| Total noninterest income | $144,000 | 9,105 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 7,959 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 8,357 |
| Total noninterest expense | $1,154,000 | 8,139 |
| Salaries and employee benefits | $571,000 | 8,315 |
| Premises and equipment expense | $125,000 | 8,668 |
| Additional noninterest expense | $458,000 | 7,398 |
| Pre-tax net operating income | $336,000 | 8,887 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-200,000 | 11,267 |
| Income before extraordinary items | $536,000 | 6,651 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $536,000 | 6,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,379 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $536,000 | 6,590 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,014,000 | 9,696 |
| Total interest expense | $773,000 | 10,044 |
| Net interest income | $1,241,000 | 9,222 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $107,000 | 10,118 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 9,212 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 8,932 |
| Total noninterest expense | $1,144,000 | 8,413 |
| Salaries and employee benefits | $534,000 | 8,821 |
| Premises and equipment expense | $136,000 | 8,625 |
| Additional noninterest expense | $474,000 | 7,482 |
| Pre-tax net operating income | $144,000 | 10,810 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-160,000 | 11,772 |
| Income before extraordinary items | $304,000 | 8,901 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $304,000 | 8,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $2,656,000 | 173 |
| Net operating income | $304,000 | 8,873 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,429,000 | 10,877 |
| Total interest expense | $471,000 | 11,222 |
| Net interest income | $958,000 | 10,529 |
| Provision for loan and lease losses | $45,000 | 6,361 |
| Total noninterest income | $62,000 | 11,679 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 9,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 11,641 |
| Total noninterest expense | $1,160,000 | 8,764 |
| Salaries and employee benefits | $554,000 | 8,928 |
| Premises and equipment expense | $187,000 | 7,705 |
| Additional noninterest expense | $419,000 | 8,628 |
| Pre-tax net operating income | $-185,000 | 12,255 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $-185,000 | 12,216 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-185,000 | 12,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,370 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-185,000 | 12,244 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,125,000 | 12,037 |
| Total interest expense | $434,000 | 12,046 |
| Net interest income | $691,000 | 11,914 |
| Provision for loan and lease losses | $49,000 | 7,550 |
| Total noninterest income | $77,000 | 11,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 9,975 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 11,679 |
| Total noninterest expense | $1,020,000 | 9,651 |
| Salaries and employee benefits | $449,000 | 10,159 |
| Premises and equipment expense | $157,000 | 8,726 |
| Additional noninterest expense | $414,000 | 9,111 |
| Pre-tax net operating income | $-301,000 | 12,764 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-301,000 | 12,827 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-301,000 | 12,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 9,413 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,273,000 | 425 |
| Net operating income | $-301,000 | 12,755 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $922,000 | 13,153 |
| Total interest expense | $439,000 | 13,024 |
| Net interest income | $483,000 | 13,134 |
| Provision for loan and lease losses | $60,000 | 8,535 |
| Total noninterest income | $72,000 | 12,504 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $44,000 | 10,547 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 11,929 |
| Total noninterest expense | $776,000 | 11,118 |
| Salaries and employee benefits | $350,000 | 11,434 |
| Premises and equipment expense | $158,000 | 8,881 |
| Additional noninterest expense | $268,000 | 11,302 |
| Pre-tax net operating income | $-281,000 | 13,156 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-281,000 | 13,239 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-281,000 | 13,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-281,000 | 13,131 |
* 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.